CarInsurance.com Insights
- Allstate offers coverage options that some other insurers don’t, including rideshare insurance and gap coverage.
- While the average premiums were higher than those of other insurers, according to our rate analysis, Allstate offers a decent selection of discounts that can help you save money.
- Allstate receives mixed reviews on customer and claims satisfaction, according to reports from J.D. Power and our analysis of customer experience.
Allstate ranked 11th of the top car insurance providers in our Best Car Insurance Companies of 2025, with a score of 3.75 out of 5. We used rate data, NAIC scores, AM Best data, internal survey scores and J.D. Power data to analyze the top auto insurance companies and rank them based on our metrics.
Allstate offers a solid range of coverage options, including ones that are more difficult to find, such as rideshare insurance. The company receives mixed reviews for customer satisfaction. Still, it’s highly rated for its financial strength and could be a solid option for drivers with a history of accidents or tickets on their record.
At a glance
Pros
- Good for high-risk drivers
- Add-on options include accident forgiveness and rideshare insurance
- The Drivewise telematics program could lower your costs with good driving habits
- Available nationwide
Cons
- Premiums are higher than competitors’
- Limited number of discounts
- If you have poor driving habits, your premium could go up when you renew
- Mixed reviews for customer satisfaction
My personal experience of getting a car insurance quote from Allstate
Mary Beth Eastman, an auto insurance expert and contributing researcher at CarInsurance.com, shares her unfiltered experience requesting a quote from Allstate's online tool, covering what works, what doesn't and what to expect before you start your own quote journey.
Who is Allstate best for?
According to our analysis, Allstate is best for high-risk drivers. If you have violations, accidents, claims, or DUIs on your driving record, you may experience higher premiums than other drivers. For drivers with a DUI, the average annual premium is $6,255 per year or $521 per month.
Allstate offers features like accident forgiveness and various discounts that can make it more affordable for high-risk drivers to carry the car insurance they need. You can speak with an agent to explore the coverage options available for your budget and situation.
How much does Allstate car insurance cost?
According to our rate analysis, Allstate’s average monthly premium is $267, the highest of the insurers we studied. Your rates will vary based on your driving history, as well as other factors such as your location and the coverage you choose.
Allstate offers numerous discounts that could reduce your costs, including its Drivewise telematics program. Compare Allstate’s average monthly premium to the other top insurance companies in our study.
| Company | Full coverage monthly cost |
|---|---|
| Allstate | $267 |
| Farmers | $257 |
| American Family | $159 |
| GEICO | $179 |
| Nationwide | $205 |
| Progressive | $223 |
| State Farm | $239 |
| Travelers | $175 |
| USAA* | $131 |
*USAA is only available to military community members and their families.
Speak with a friendly agent and get your quote in minutes!
Allstate discounts and savings
Like most insurers, Allstate offers typical car insurance savings, such as a discount for bundling two or more policy types together. Other Allstate discounts include:
- Anti-lock brakes discount
- Anti-theft devices discount
- Responsible payer discount
- Good student discount
Another way to potentially save money is by enrolling in Allstate’s Drivewise telematics program. Drivewise is a feature of Allstate’s mobile app that tracks your driving habits, provides feedback on your driving behavior, and possibly helps you save money at renewal time.
This optional program is free to enroll, and you’ll save money just for signing up. The exact discount varies by state. Note that if Drivewise tracks poor driving habits like hard braking, speeding, and using your phone while driving, your premiums could increase.
Allstate’s coverage options
Allstate offers the basic bodily injury and property damage liability coverage that is required in almost all states.
These coverages help pay for expenses when you cause injury to another person or damage to their property. Allstate also offers several other coverage options that ensure you’re well-protected, including:
- Collision: This coverage pays to repair or replace your vehicle after a crash.
- Comprehensive: This coverage helps protect against other types of damage to your vehicle, such as hail, fire or theft.
- Medical payments: This coverage pays for medical expenses for you or your passengers if you’re hurt in an accident.
- Personal injury protection (PIP): Provides help with other costs after an accident, like lost wages or hospital bills.
- Uninsured/underinsured motorist coverage: This protection helps cover costs if you’re in an accident with a driver without sufficient car insurance.
- Rideshare: Allstate offers Ride for Hire® rideshare insurance to protect you while waiting for a ride request. It may also protect you beyond what’s provided by the rideshare network.
My experience getting a quote
Unfortunately, my experience getting a quote from Allstate was less than ideal.
First, I requested a quote online using Allstate’s website. I entered the ZIP code for my Pittsburgh-area home, but learned I could not complete the process online.
In case it was a coverage issue, I tried three other ZIP codes – one in Ohio, one in Illinois and one in California – and all three returned the same message.
I waited until the following morning during business hours and called an Allstate agent in my area. My call was answered with a recorded message, and then I was transferred to a human. Shortly after they said hello, the call was disconnected.
For my final attempt at requesting a quote, I called the 800 number listed in the message above (800-667-4669). After a recorded message directing my call, I was connected with a human, who walked me through the quote process.
After 21 minutes, I had my final quote: $164 per month for my husband and me for a 2015 Chevy Colorado and a financed 2025 Subaru Outback. My quote included 100/300/100 coverage for liability, a $500 deductible each for collision and comprehensive, and $10,000 in medical payments coverage, plus the rate for a separate roadside assistance policy.
Although I would have preferred to complete the process online, I was happy with the service and friendliness of the agent who assisted me.
Allstate’s claims experience
One important criterion when evaluating a car insurance company is how well it handles claims. As with most major insurers, you can file a claim with Allstate online or in the mobile app. You’ll need to log in to your Allstate account to begin the process.
You also have the option to start a claim report by calling 1-800-255-7828.
The Allstate app received a 4.8-star rating out of a possible five stars on the App Store for iOS, with more than a million reviews.
On the Google Play store, the app’s rating is 4.0 stars out of 5, with 121,000 reviews.
Allstate’s customer satisfaction
Allstate ranked in the lower half of insurers in our study of the best car insurers, with a customer satisfaction score of 4.32 out of 5. In the J.D. Power 2025 U.S. Auto Claims Satisfaction Study, Allstate scored slightly below the industry average, receiving 693 points out of 1,000, slightly below the study average of 700.
The NAIC Complaint Index, published by the National Association of Insurance Commissioners, reports that Allstate’s car insurance division receives just above the normal amount of complaints for an insurer of its size.
Allstate is very financially strong, receiving an A+ (Superior) rating from AM Best. A Superior Financial Strength Rating (FSR) indicates that the company has a strong balance sheet and is well-positioned to meet its financial obligations.
Frequently Asked Questions: Allstate car insurance
Is Allstate cheaper than other car insurance companies?
In our analysis, Allstate’s average premium was higher than other insurers. Your price with Allstate will depend on your unique driver characteristics, including your driving history, location, vehicle make and model, coverage level and other factors.
What discounts does Allstate offer?
Allstate offers a selection of car insurance discounts, including multi-policy, good student and vehicle safety features. Enrolling in Allstate’s telematics program, Drivewise, could save you money, and consistent good driving behaviors could score you additional savings.
Does Allstate offer accident forgiveness?
Yes, Allstate offers accident forgiveness as an optional add-on. You’ll usually need to opt in to this program when you purchase your policy.
Does Allstate have gap insurance?
Allstate offers Guaranteed Asset Protection, or gap insurance, which is a waiver rather than insurance. If your vehicle is stolen or totaled while you’re still paying off your car loan, the payout from the insurance company may not be enough to satisfy the loan due to a drop in your car’s value since you purchased it. With gap from Allstate, you’re no longer responsible for paying that difference.
How do I file a claim with Allstate?
The fastest way to file a claim with Allstate is to log in to your account online or in the Allstate mobile app. You can also contact your Allstate agent by phone or call 800-255-7828.
How does Allstate rank in customer satisfaction?
According to J.D. Power 2025 U.S. Auto Insurance Study, Allstate received scores below the study average in most regions of the U.S., with the exception of New England, where it was rated second-highest. Allstate received an average number of complaints compared to its size, according to the NAIC Complaint Index.
Does Allstate raise rates after an accident or ticket?
It’s possible your premiums with Allstate could go up after an accident or speeding ticket. Whether your rates go up, and by how much, depends on factors including whether you’re found at fault, how severe the claim is and your previous driving history.
Is Allstate good for high-risk drivers?
Yes. In our analysis, we found Allstate to be the best option for high-risk drivers, including those with a history of accidents or DUIs. Contact Allstate to find out whether you’re eligible for a policy and request a quote to see how much you could pay.
Does Allstate offer telematics or usage-based insurance?
Yes. Allstate offers Drivewise, a feature of the company’s mobile app that records your driving habits. Good driving habits could be rewarded with savings at your next policy renewal, while poor habits may cause your premium to go up.
What types of add-ons does Allstate provide?
Allstate offers common car insurance coverages like liability, comprehensive, and collision. Add-on coverage options include medical payments, personal injury protection, rideshare coverage and rental reimbursement. You can also find coverage for classic cars with Allstate.
Can I manage my policy online with Allstate?
Yes. Allstate, like most car insurance companies, offers online tools for policy management, where you can pay a bill, track a claim, or view your ID cards.
Is Allstate a good insurance company overall?
Allstate is one of the top insurance companies on the market. Whether it’s the right fit for you will depend on several factors, including your budget, driving history and desired add-ons and features. You can request a quote from Allstate to compare it to other insurers and find the best fit for your needs.
Sources
- Allstate. “Understanding auto insurance coverages.” Accessed January 2026.
- Allstate Vehicle Protection. “Allstate Guaranteed Asset Protection (GAP).” Accessed January 2026.
- AM Best. “AM Best Affirms Credit Ratings of The Allstate Corporation and Its Core Subsidiaries.” Accessed January 2026.
- National Association of Insurance Commissioners. “National Complaint Index Report.” Accessed January 2026.
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