Allstate Auto Insurance: Customer Ratings And Reviews

Allstate auto insurance is rated highly for its range of coverage options and large number of discount opportunities for drivers. However, its rates are higher than the national average for teens, young adults, and seniors. Allstate is ranked 9th out of 130 US insurance providers and is the fourth-largest auto insurance company in the US. It has a positive industry reputation and scores well on surveys related to claim services.

Customer service and ease of contact

Allstate auto insurance is generally considered easy to contact, with high marks for the ease of opening a new policy. According to a US News survey, nearly 50% of Allstate policyholders were completely satisfied with the customer service they received, and more than 50% were completely satisfied with how easy it was to contact customer service.

Allstate's mobile app also makes it easy for customers to access their policies, pay bills, file claims, and contact roadside assistance. The app has a 4.8-star rating on the Apple App Store and a 3.9-star rating on Google Play.

In terms of customer service ratings, Allstate received an overall satisfaction score of 76 out of 100 by its customers in a 2023 NerdWallet survey, which is slightly below the average score of 78 among the 11 insurers included in the survey. Allstate also received mixed ratings for consumer satisfaction with auto insurance claims in J.D. Power's 2023 U.S. Auto Insurance Claims Satisfaction Study.

Allstate ranked above average in the J.D. Power 2024 U.S. Auto Insurance Study for the regions of Florida, New England, North Central, and Texas, but scored below average in other regions. In the second quarter of 2024, Allstate was rated slightly below average for its shopping experience compared to other large companies in the J.D. Power 2024 U.S. Insurance Shopping Study.

Discounts and pricing

Allstate offers 12 car insurance discounts that fall under four main categories: driving history, car safety, loyalty, and payment. The company does not disclose exact discount amounts publicly, but you can check with the customer service department or your Allstate agent to see how much you could save.

Almost anyone who buys an Allstate car insurance policy will be eligible for some kind of discount. Safe drivers and people who consistently pay their entire Allstate bill on time via automatic withdrawal are especially likely to benefit from significant savings.

• Allstate eSmart discount: Save by going paperless and receiving all your documents online.
• Anti-lock brakes discount: Save if your car has anti-lock brakes.
• Anti-theft device discount: Save if your car has an anti-theft device.
• Early signing discount: Save if you purchase your policy at least a week before its start date.
• EZ pay plan discount: Save when you pay your premium via automatic withdrawal.
• FullPay discount: Save when you pay for your entire policy at once.
• Multi-policy discount: Save when you bundle auto insurance with a home, life, or renters policy.
• New car discount: Save if you are the first owner of a car from this year or last year.
• Passive restraint discount: Save if your car is equipped with a passive restraint system, such as automatic seatbelts.
• Responsible payer discount: Save if you did not receive a cancellation notice due to non-payment during the last 12 months.
• Safe driving club: Earn a safe driving bonus every six months you drive without accidents, plus get $100 off your collision deductible for each year without accidents (up to $500 total).
• Smart student discount: If you are under 25 years old and unmarried, you can save if you attend school more than 100 miles away from the car, successfully complete the teenSMART program, or maintain a GPA of at least 2.7 (a B- average).

Allstate offers other ways to save in addition to these discounts. For example, customers can choose Allstate Milewise, a pay-per-mile program that calculates your price based on a daily rate plus a small charge per mile driven. This program can save low-mileage drivers an average of 72% annually.

Similarly, if you sign up for Allstate Drivewise, the Allstate smartphone app will monitor your driving and provide safe driving discounts accordingly.

Claims handling

Allstate is ranked ninth in the claims handling subcategory, according to a US News review. Around 37% of Allstate customers who responded to the US News survey said they were completely satisfied with the ease of filing a claim, and 37% were completely satisfied with the status updates they received. A greater number of respondents, 51%, said they were completely satisfied with how their claim was resolved.

Allstate has a score of 882 out of 1000 for claims satisfaction, according to J.D. Power, which is slightly higher than the national average of 878.

In a survey conducted by MarketWatch, 33% of Allstate policyholders said they had filed a claim, while 67% had not. Of those who had filed a claim, nearly half (48%) said the claim was resolved in under two weeks, and 34% said it took between two and four weeks. Most respondents said it was easy to file a claim online.

Allstate received a score of 76 out of 100 for overall satisfaction in a 2023 NerdWallet survey. The average score among the 11 insurers was 78, and the highest was 82.

Customer satisfaction

MarketWatch's review of Allstate auto insurance gave the company a score of 9.1 out of 10, citing its coverage options and discount programs as positives. The review also noted that Allstate's costs are much higher than average. In a survey of 2,000 car insurance customers, Allstate scored below average for overall customer satisfaction and explanation of discounts. On Reddit, positive reviews mention helpful customer service, while negative reviews cite issues with cancelling policies and the claims process.

NerdWallet's survey of Allstate customers gave the company an overall satisfaction score of 76 out of 100, which is below average compared to other insurers. Allstate also received close to the expected number of complaints about auto insurance to state regulators relative to its size, according to data from the National Association of Insurance Commissioners.

Pros and cons

Pros

Allstate auto insurance has a wide range of coverage options and discount opportunities for drivers. It offers 12 types of car insurance coverage, including standard insurance such as liability, collision, and comprehensive insurance, as well as additional coverage options like rideshare insurance, roadside coverage, and rental reimbursement. Allstate also has two usage-based programs, Drivewise and Milewise, which offer discounts based on safe driving habits and mileage, respectively.

Allstate has a superior financial strength rating of A+ from A.M. Best and has scored above average in several J.D. Power studies, including the 2024 U.S. Auto Insurance Study and the 2024 U.S. Insurance Shopping Study. It also has a complaint ratio of 0.92, which is slightly lower than the national average of 1.0.

Cons

Allstate's auto insurance rates are higher than the national average, especially for teens, young adults, and seniors. Its sample annual rate of $3,374 is the highest among the providers analysed. Allstate's rates for full-coverage insurance are about 25% more expensive than the national average, and its rates for minimum-liability insurance are around 36% higher. Allstate's rates are also higher than those offered by competitors such as Progressive, Liberty Mutual, State Farm, and Geico.

Frequently asked questions