Since graduating from the University of WA with a B.A. in English Literature, Shawn has been professionally writing in the spheres of entertainment, insurance, business, marketing, and politics. His work has been published on SUPERJUMP, FanFare, Den of Geek, and Amplihigher. He is passionate about using his writing skills and insurance knowledge to educate the general population on everyday iss...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP® Joel Ohman

UPDATED: Apr 21, 2022

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The Truth in a Nutshell

  • The Allstate Mobile app offers convenient features such as insurance ID card access, roadside assistance, and mobile claims
  • Allstate offers usage-based driving rewards through Drivewise which can save drivers up to 40% on car insurance
  • The Allstate Mobile app experience tends to be more positive for Apple users than Android users

More and more car insurance companies are offering discounts for drivers that consistently exhibit safe driving habits. The Allstate app is one of the most popular car insurance apps that could help you save on your monthly insurance bill.

Finding the right car insurance company is already hard enough. This article will break down the Allstate Drivewise app by covering its features, ratings, and any problems you may experience using the app. By the end, you should know whether or not the Allstate app is worth investing in.

What does the Allstate app do?

The Allstate app is a convenient tool for Allstate car insurance customers. It has a host of unique features that could prove to be convenient for users. The primary functions of the Allstate app include:

  • Digital insurance card access
  • Driving rewards program (Drivewise)
  • Digital footprint monitoring
  • Car insurance claims
  • Mobile payments
  • Roadside assistance
  • Policy and agent access

Convenience is important in modern times. If you forget to print your insurance cards or put them in your glove compartment, it’s nice to know you’ll have proof of insurance at hand if you get into an accident or get pulled over.

In addition, the Allstate app helps eliminate some of the guesswork if your vehicle becomes disabled. You can use the Allstate Mobile app to contact roadside assistance without wondering who you’ll need to call. If you were in an accident, you can file claims and upload photos from the scene instead of waiting until you get home.

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Is the Allstate app any good?

Just because a car insurance company offers a mobile app doesn’t mean it’s any good. Mobile apps can be dysfunctional due to developmental errors or simply because your phone isn’t new enough to handle the technology. When you’re investing in a mobile app in hopes of earning rewards, it’s important to know that you won’t have major issues.

There tend to be notable differences between Android apps and Apple apps, so we’ll analyze the reviews for each.

Allstate Mobile for Android (Google Play) — 3.7/5.0 Stars

If you have an Android device, you might experience some issues with the Allstate Mobile app. Most of the complaints come from policyholders that are trying to use the Drivewise function on the app. This is the rewards-based driving program that uses the phone’s GPS to monitor driving habits.

The National Association of Insurance Commissioners mentions that many people dislike usage-based driving programs because they do track a driver’s whereabouts.

In short, Drivewise is designed to initiate when you start driving and record the trip. During the trip, it should monitor speeds, braking habits, acceleration, and phone usage. There appear to be a few potential malfunctions — freezing and not recording trips, for example — for those using Drivewise with Android devices.

Allstate advertises up to 40% off of car insurance for those with perfect Drivewise ratings, but these issues could quickly limit that potential.

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Beyond issues with Drivewise, other users complain that the app is very slow. In some cases, the app won’t operate enough to navigate and prevents users from accessing ID cards or payment details. Some users suggest that the app is easy to navigate and they have no issues, so it appears to be dependent on the Android phone you own.

Allstate Mobile for Apple — 4.8/5.0 Stars

Apple users can anticipate a more positive experience based on the reviews from the Apple store. While most Apple users appear to have a better experience, that’s not always the case. Some Apple users also have problems with the Drivewise function of Allstate Mobile that include erroneous reports of speeding and hard braking.

Again, these complaints show that there may be some limitations with the Allstate Mobile app if you’re looking to earn rewards through the Drivewise program. At the very least, you’ll want to review your trip details to be sure everything looks accurate.

Should I use the Allstate Mobile app?

Using Allstate Mobile could potentially save you money on your car insurance policy. For some, it may be more of a hassle than it should be. If you’re an Apple user, the Allstate Mobile app is most likely worth investing in. For Android users, it might not be worth the time if you intend on using the Drivewise function.

If you haven’t purchased an Allstate car insurance policy and are hoping to benefit from a usage-based car insurance program, there are other options. Below, you can see a list of companies that also have programs that could help you save money on car insurance. There are many pros and cons to usage-based car insurance.

Usage-Based Car Insurance Options
Car Insurance CompanyProgramFormat
AAAAAADrive/AAAOnboardMobile App
AllstateDrivewiseMobile App
AllstateMilewiseMobile App
American FamilyKnowYourDrivePlug-in
EsuranceDriveSenseMobile App
Liberty Mutual/SafeCoRightTrackMobile App and Plug-in
Liberty MutualByMileMobile App and Plug-in
MetLifeMy JourneyPlug-in
NationwideSmartRideMobile App or Plug-in
NationwideSmartMilesMobile App or Plug-in
ProgressiveSnapshotMobile App or Plug-in
Mile AutoMile AutoNeither
State FarmDrive Safe & SaveMobile App or Plug-in
The HartfordTrueLanePlug-in
TravelersIntelliDriveMobile App
MetromileMetromileMobile App
GEICODriveEasyMobile App
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It’s unlikely that any of the usage-based rewards programs above are entirely error-free. State Farm’s Drive Safe & Save app has a better rating for Android phones (4.0/5.0 stars) but could still use some improvement.

You’ll want to investigate potential discounts along with the original rates you are offered if you’re going to compare usage-based programs. Don’t forget, you can always combine Drivewise rewards with other Allstate auto insurance discounts.

Allstate App Review: The Bottom Line

The Allstate Mobile app has mixed reviews. The reviews for Android users have a concerning number of complaints around the app’s functionality. Apple users tend to have a more positive experience using the Allstate app. For those looking to save money on car insurance, you may be able to use the Drivewise function to earn up to 40% off of your monthly bill.

Overall, the Allstate app offers some handy features as long as your phone can work effectively with the mobile app. If you’re an Android user, you may want to compare other usage-based rewards programs before investing in a car insurance policy.