Is Allstate a good insurance company?
Whether or not Allstate is a good insurance company for you depends on what you are looking for. Although Allstate offers a wide variety of coverages and discounts, rates are typically high. In addition, customer complaints are high and revolve around poor customer service and claims satisfaction, but Allstate has an A+ A.M. Best rating. Allstate offers many ways to reduce rates, such as discounts and the Drivewise and Milewise programs.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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UPDATED: Dec 11, 2023
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Dec 11, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Allstate has been around for almost 100 years and is one of the top insurance companies in the country
- Allstate car insurance rates are higher than average, but it offers various discounts to lower rates
- While Allstate has an excellent A.M. Best rating, it is unrated by the Better Business Bureau
Allstate is a household name in regard to insurance. However, being well-known doesn’t indicate that it’s the perfect insurance company.
Is Allstate a good insurance company? Honestly, that depends on what you’re looking for in an insurance provider. Although Allstate has some of the highest car insurance rates in the industry, it offers a wide variety of coverages and discounts.
In addition, it has high financial ratings confirming that it can afford to pay claims. However, customer service and claims satisfaction are common issues.
So if you need multiple types of coverage like auto, home, motorcycle, and life insurance, Allstate may be a good fit. However, if you’re seeking affordable basic car insurance, Allstate won’t suit your needs.
Continue reading to determine if Allstate is a good insurance company for you and what coverages and discounts it offers.
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What insurance coverages does Allstate offer?
Allstate provides an abundance of insurance options and discounts. However, while Allstate makes obtaining a quote or filing a claim easy, customer service receives poor ratings.
Allstate is a great fit for drivers with other insurance needs, such as homeowner or renters insurance, although these insurance options come at a steep price. In fact, Allstate has some of the highest insurance rates in the industry.
In addition to full coverage, Allstate car insurance offerings include:
- Medical payments
- Personal injury protection
- Uninsured/underinsured motorist
- Roadside assistance
- Rental reimbursement
- Rideshare
- Accident forgiveness
- Vanishing deductible
- New car replacement
Other Allstate programs include Drivewise and Milewise. While Drivewise monitors driving behaviors and offers a discount, Milewise offers low-cost pay-per-mile insurance.
Allstate customers can also use the website or app for most insurance needs, such as proof of insurance, bill pay, and filing a claim.
In addition to car insurance, Allstate offers home, renters, condo, motorcycle, off-road, and life insurance coverages. While Allstate provides various insurance options, rates are typically more expensive than average across the board, and customer complaints are excessive.
Is Allstate a good home insurance company? While Allstate offers homeowners coverage and discounts, rates are high. In addition, customer complaints revolve around claims satisfaction and customer service.
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How much is Allstate car insurance?
Many factors affect car insurance rates, including your age, driving record, vehicle, ZIP code, and how much coverage you select.
Most states require drivers to carry at least a minimum amount of auto insurance. However, your vehicle remains unprotected with only liability coverage. Full coverage offers the most protection for you and your car.
This table reveals average rates from top car insurance companies, including Allstate, based on coverage type.
Average Annual Car Insurance Rates by Coverage Level
| Companies | Average Annual Rates for Low Coverage | Average Annual Rates for Medium Coverage | Average Annual Rates for High Coverage |
|---|---|---|---|
| Allstate | $4,628.03 | $4,896.81 | $5,139.02 |
| American Family | $3,368.49 | $3,544.37 | $3,416.40 |
| Farmers | $3,922.47 | $4,166.22 | $4,494.13 |
| Geico | $3,001.91 | $3,213.97 | $3,429.14 |
| Liberty Mutual | $5,805.75 | $6,058.57 | $6,356.04 |
| Nationwide | $3,394.83 | $3,449.80 | $3,505.37 |
| Progressive | $3,737.13 | $4,018.46 | $4,350.96 |
| State Farm | $3,055.40 | $3,269.80 | $3,454.80 |
| Travelers | $4,223.63 | $4,462.02 | $4,619.07 |
| USAA | $2,404.11 | $2,539.87 | $2,667.92 |
Allstate insurance rates are the second most expensive on the list and average $400 a month. Therefore, if you have accidents or tickets on your driving record, expect those rates to soar.
How is Allstate insurance rated?
Ratings are important because you need to know that you can count on your car insurance company to be there when you need it. Unfortunately, Allstate has very mixed ratings.
A.M. Best rates companies based on financial stability. Allstate received an A+ rating from A.M. Best, which reveals a superior ability to meet financial commitments. Knowing that your insurance company can afford to pay claims offers peace of mind.
The Better Business Bureau (BBB) rates companies on how well they interact with customers. However, Allstate is not rated or accredited with the BBB. In fact, it has a 1.2/5 customer review rating.
Poor BBB reviews center around Allstate’s denying claims or failing to respond. In addition, while Allstate boasts a six-month credit for claims satisfaction, if you aren’t satisfied with your claim, you have to notify Allstate within 180 days to qualify.
Read our Allstate Claim Satisfaction Guarantee Review to learn more about what you can do if you’re unhappy with your claim.
What car insurance discounts does Allstate offer?
Although Allstate auto insurance rates are high, it offers discounts to make coverage more affordable. For example, Allstate offers savings such as multi-policy, multi-car, and good student discounts.
Drivers can also receive discounts based on their policy as well as safety features on their vehicles. Although you probably won’t qualify for every discount offered, most drivers find at least one discount to lower their rates.
This table lists Allstate auto insurance discounts. Take a look to discover which discounts may be available for you.
Allstate Car Insurance Discounts
| Allstate Discounts | Percentage Saved |
|---|---|
| Anti-lock Brakes | 10% |
| Anti-Theft | 10% |
| Claim Free | 35% |
| Daytime Running Lights | 2% |
| Defensive Driver | 10% |
| Distant Student | 35% |
| Driver's Ed | 10% |
| Driving Device/App | 20% |
| Early Signing | 10% |
| Electronic Stability Control | 2% |
| Farm Vehicle | 10% |
| Full Payment | 10% |
| Good Student | 20% |
| Green Vehicle | 10% |
| Multiple Policies | 10% |
| Newer Vehicle | 30% |
| On-Time Payments | 5% |
| Paperless Documents | 10% |
| Paperless/Auto Billing | 5% |
| Passive Restraint | 30% |
| Safe Driver | 45% |
| Senior Driver | 10% |
| Utility Vehicle | 15% |
| Vehicle Recovery | 10% |
Since most drivers qualify for more than one discount, you can bundle them together for the most savings.
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Allstate Insurance Company: The Bottom Line
Whether or not Allstate is a good insurance company depends on you. While Allstate offers a wide variety of insurance coverages, rates are typically much higher than average.
In addition, Allstate has excellent financial ratings but isn’t rated by the BBB. Customer reviews are very low and revolve around poor claims satisfaction and customer service.
Allstate is a good fit for people who want to bundle various insurance coverages, such as home and auto. Discounts are also offered to help lower rates.
Keep in mind that most insurance companies offer various coverages as well as Allstate. So shop around to find the coverage you need with the lowest rates. Then, compare multiple companies to find your best deal.
Before you decide on Allstate, carefully consider rates, coverages, discounts, and ratings to determine if it’s the best insurance company for you.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.