Auto Insurance: Allstate's Rates In Tn Vs. Wy

Allstate is the fourth-largest auto insurance company in the United States, known for its slogan, Are you in good hands?. The company offers a range of insurance products, including auto, home, renters, health, life, and pet insurance. While Allstate provides good coverage options and multiple car insurance discounts, its rates tend to be higher than the national average and other competitors in the market.

In this introduction, we will explore and compare the cost of Allstate auto insurance in Tennessee and Wyoming, evaluating whether there are notable differences between the two states. We will also analyse the factors that contribute to insurance rates and how they may impact the cost of Allstate auto insurance in these two states.

Allstate's rates for young drivers

Allstate's auto insurance rates for young drivers are higher than the national average. For instance, the average annual rate for a 17-year-old driver is $4,351 for males and $3,478 for females. For 25-year-old drivers, the average annual rate is $4,076 for males and $2,707 for females.

Allstate provides a range of discounts that may be applicable to young drivers, including:

• Good student discount
• Defensive driver/safe driving discount
• Multiple policy discount
• Anti-lock brake discount
• Anti-theft device discount
• Safe driving club discount
• Smart student discount

Additionally, Allstate offers two usage-based programs: Drivewise and Milewise. Drivewise tracks driving habits and rewards safe driving with discounts, while Milewise is a pay-per-mile program where rates are determined by mileage.

Allstate's rates for senior drivers

Allstate auto insurance rates for senior drivers are 33% to 35% more expensive than the national averages. For a 60-year-old driver, the average annual rate is $2,987 for women and $3,053 for men. These rates are the highest in the industry, according to US News.

Allstate offers a "mature driver discount" of up to 10% for drivers aged 55 and older who are not working full-time or seeking full-time employment. This discount is dependent on the driver's continued safe driving record.

Senior drivers are considered a high-risk group by auto insurance providers due to the weakening of senses and reaction time that comes with age. However, they are also seen as being more cautious and spending less time on the road, which can lead to lower premiums.

In addition to Allstate, other insurance companies that offer discounts for senior drivers include GEICO, Farmers, and USAA.

Allstate's customer service

In a survey conducted by MarketWatch, 59% of Allstate customers said they were completely satisfied with the ease of contacting customer service. However, in the same survey, only 33% of Allstate policyholders had filed a claim, while 67% had not. Of those who had filed a claim, 48% said it was resolved in under two weeks, and another 34% said it took between two and four weeks. Most found it easy to file a claim online.

Allstate's mobile app, which allows customers to access their policies, pay bills, file claims, and contact roadside assistance, has a rating of 4.8 out of 5 stars on the Apple App Store and 3.9 stars on Google Play.

Allstate has received an A+ rating from the Better Business Bureau (BBB), but a low score of 1.1 out of 5 stars from customer reviews on the BBB website. However, it's worth noting that only a small percentage of Allstate's overall customer base has left a review on the BBB website.

In the J.D. Power 2024 U.S. Auto Insurance Study, Allstate ranked above average in the regions of Florida, New England, North Central, and Texas, but scored below average in other regions. For claims satisfaction, Allstate scored slightly higher than the national average.

According to the National Association of Insurance Commissioners (NAIC), Allstate has a complaint ratio of 0.92, which is slightly lower than the national average of 1.0.

Allstate's claims handling

Allstate offers a range of insurance coverage, including bodily injury/property damage liability, collision insurance, comprehensive insurance, medical payments, personal injury protection, and underinsured/uninsured motorist insurance. They also provide additional coverage options such as rideshare insurance, roadside coverage, rental reimbursement, and classic car insurance.

In terms of pricing, Allstate tends to be more expensive than its competitors, with average full-coverage rates of $3,340 per year or $278 per month. Minimum-liability plan prices average about $1,194 per year or $100 per month. The pricing varies depending on factors such as age, location, driving history, credit score, gender, and marital status.

Allstate's customer loyalty

Allstate is tied with Geico for sixth in customer loyalty. A survey found that 50% of respondents said they were very likely to renew their Allstate policy, and just over 42% said they were very likely to recommend Allstate to someone looking for car insurance. In comparison, Progressive outperforms Allstate in customer loyalty, with Allstate customers being more likely to stay with the company than Allstate's customers. Progressive also ranks higher than Allstate in the areas of likelihood to renew and likelihood to recommend.

Allstate has excellent customer service and claims handling. In a survey, 59% of Allstate customers said they were completely satisfied with the ease of contacting customer service. For comparison, 56% of Progressive customers said the same. In the area of claims handling, 53% of those who’d filed a claim with Allstate were completely satisfied with the way their claim was resolved, while 57% gave the same rating to Progressive.

Allstate also has a range of coverage options and a large number of discount opportunities for drivers. The company offers 12 types of car insurance coverage, including rideshare insurance and classic car coverage, as well as two usage-based programs that offer discounts based on safe driving habits and mileage.

Frequently asked questions