CarInsurance.com Insights
- Allstate’s average premiums were higher, but it also offers coverage options that some other insurers don’t (like rideshare insurance and gap coverage), plus it accepts high-risk drivers.
- Allstate ranked No. 13 with a score of 3.57 out of 5 in CarInsurance.com’s 2026 Best Car Insurance Companies study.
- Allstate receives mixed reviews on customer and claims satisfaction, according to reports from J.D. Power and our analysis of customer experience.
Allstate ranked 13th of the top car insurance providers in our Best Car Insurance Companies of 2026, with a score of 3.57 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.
Although Allstate offers solid options for high-risk drivers, friendly agent support and A+ financial strength, its average rates were among the very highest in our study.
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.
At a glance
Allstate’s average rates are pricier, but it accepts high-risk drivers and offers strong agent support nationwide.
Pros
- Good for high-risk drivers
- 85% score for bundling was the highest among national insurers
- 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
Who is Allstate best for?
According to our analysis, Allstate is the best for high-risk drivers who want agent support and accident forgiveness. It’s the most accepting, though not the cheapest, 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 with Allstate is $5,513 per year or $459 per month. That’s 75% higher than Allstate’s base rate for a clean record ($3,159) — already the highest among the carriers we studied. The rates after an at-fault accident ($5,589) or a coverage lapse ($4,977) are also higher than those of other insurers in our study.
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 coverage options tailored to your budget and situation.
How much does Allstate car insurance cost?
According to our rate analysis, Allstate’s average monthly premium is $267, the second-highest of the insurers we studied. Your rates will vary based on your driving history and other factors, such as your location and the coverage you choose.
Quotable insight$267 is about 24% above the national full-coverage average of $215/month ($2,578/year). (Quadrant 2026).
I requested a quote from Allstate to sample the process. 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 800-667-4669. After a recorded message directed my call, I was connected to a human who walked me through the quote process. After 21 minutes on the phone with an agent, I was quoted $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 liability coverage, a $500 deductible each for collision and comprehensive, $10,000 in medical payments coverage, and the rate for a separate roadside assistance policy.
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 |
|---|---|
| American Family | $159 |
| Erie | $159 |
| Auto-Owners | $171 |
| Travelers | $175 |
| GEICO | $179 |
| Auto Club Group (AAA Midwest/South) | $185 |
| Nationwide | $205 |
| Progressive | $223 |
| Amica | $231 |
| State Farm | $239 |
| Auto Club Enterprises (AAA SoCal) | $243 |
| CSAA Insurance Group (AAA NorCal/NV/UT) | $251 |
| Farmers | $257 |
| Allstate | $267 |
| Mercury | $270 |
| USAA* | $131 |
*USAA is only available to military community members and their families. National full-coverage average: $2,578/year ($215/month), Quadrant Information Services, 2026.
Sophie’s Tip
Allstate’s average sits high, so get a real quote before deciding — agent-set rates like the one I got ($164/month) can land well below the $267 average for the right driver.
Speak with a friendly agent and get your quote in minutes!
Allstate’s discounts and savings
Allstate’s biggest discounts are bundling home and auto (which could save you up to 25%) and its Drivewise telematics program. Other Allstate discounts include:
- Anti-lock brakes discount
- Anti-theft devices discount
- Responsible payer discount
- Good student discount
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 in, 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
You’ll find standard car insurance coverages with Allstate as well as less-common coverages like rideshare and gap.
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.
Allstate’s claims experience
You can file a claim with Allstate online, in the Allstate app or by phone (800-255-7828). When I talked to an agent on the phone, I was pleased with how friendly and helpful the service was. If filing online or through the app, you’ll need to log in to your Allstate account to begin the process.
The Allstate app received a 4.8-star rating out of 5 stars on the App Store for iOS, with more than 1.2 million reviews as of May 31, 2026.
On the Google Play Store, the app’s rating is 4.1 out of 5 stars, with 125,000 reviews as of June 11, 2026.
Allstate’s customer satisfaction
Allstate has mixed claims satisfaction with a slightly above-average number of complaints, but its financial strength rating is very strong.
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, with an index of 1.2 compared to the 1.0 baseline.
Allstate is very financially strong, receiving an A+ (Superior) rating from AM Best, effective August 28, 2025. A Superior Financial Strength Rating (FSR) indicates that the company has a strong balance sheet and is well-positioned to meet its financial obligations.
My verdict
I’m mixed on Allstate, as were many of our survey respondents. Its pricing is high — the second-highest among all insurers we looked at, and the highest among the national carriers. But it accepts high-risk drivers, offers accident forgiveness, and has a strong A+ financial foundation. Allstate’s agent support is another plus; while I didn’t love the process of requesting a quote, once I reached an agent, they were exceptionally friendly and helpful.
Buy Allstate if agent support is a priority for you, if you need an insurer that accepts drivers with tickets, accidents, or DUIs, or if you want to bundle insurance. But if low prices are your top priority, keep looking.
Frequently Asked Questions: Allstate car insurance
Is Allstate cheaper than other car insurance companies?
In our analysis, Allstate’s average premium was higher than that of 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 coverage 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.
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.
Is Allstate expensive?
Allstate’s average full coverage rate is $267/month, 24% higher than the national average of $215 and the second-highest among the insurers we studied.
How much does Allstate go up after a DUI?
The average rate for Allstate coverage is $5,513, 75% higher than the clean-record rate of $3,159.
Sources
- AM Best. “AM Best Affirms Credit Ratings of The Allstate Corporation and Its Core Subsidiaries.” Accessed July 2026.
- National Association of Insurance Commissioners. “National Complaint Index Report.” Accessed July 2026.
- App Store. “Allstate Mobile.” Accessed July 2026.
- Google Play. “Allstate Mobile.” Accessed July 2026.
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