Allstate Auto Insurance Review (Updated for 2022)


WRITTEN BY: Julia Matseikovich

UPDATED: NOVEMBER 16, 2022 | 1 MIN READ

About Allstate

Allstate Auto insurance was founded in 1931, this insurance company is now one of the largest companies in America. When it was created, it was part of Sears, Roebuck, and Co., but in 1993, Allstate spun off on its own.

It now is the parent company of several others, including popular online-only insurer Esurance. As of 2018, it was ranked 79th on the Fortune 500 list of largest US corporations by revenue.

It is led by Thomas Wilson, CEO, and president. Currently, Allstate offers auto, home, life, motorcycle, renters, boat, landlord, condo, recreational vehicle, retirement, and business insurance. In recent years, they have added banking services for larger corporate customers, but not personal lines.

Their slogan, since the 1950s, has been “You’re in good hands,” and today it is ranked as one of the most recognizable statements in advertising.

It was created by a company employee who entered a contest to draw the logo and develop a slogan. The winner walked away with $50 and a legacy that has endured for over half a century.

Satisfaction Ratings

  • BBB Rating: A+
  • Consumer Reports Rating: Very Satisfied
  • JD Power Rating:  3.5 / 5 

Allstate Auto Insurance Pros and Cons

PROS
  • The industry leader in automobile safety and education.
  • Offers to bundle for its various products.
  • Quoting system allows you to try on various levels of coverage and see how they change your premium.
CONS
  • In 2016, JD Power rated its customer service below average.
  • Only 6-month policies are on offer, meaning rates can change twice a year.
  • Some discounts do not show up in the online quoting system, meaning you'll have to talk to an agent to get them applied

Allstate Car Insurance Review

4 Star Rating from Agile Rates

Whether you’re an experienced Allstate policyholder or a potential customer looking to switch, deciding on the best insurance provider can pose challenges every time your coverage expires.

In our analysis of this company, we found that their rates are often more expensive than those from competing companies with comparable ranges in terms of auto protection – even if they offer extra perks and benefits just as good (if not better) than some others offer.

While there’s no doubt these things play into what makes them stand apart, ultimately, it comes down to again decision-making process: do I need certain features my old insurer didn’t?

Policies Offered Through Allstate Auto Insurance

Here are some of the types of coverages offered by Allstate:

Liability – Allstate offers some of the highest limits available for the standard range of deductibles, but state minimums are also there if that’s what your policy needs. 

Collision  – If your vehicle is not yet owned outright by you, then your lien holder will require this coverage. You can choose from a range of deductibles, usually from $0 to $2000, and the premium will adjust in real time with the tool.

Comprehensive – Also called  “other than collision,” this coverage is for any damage done to your vehicle that is not the result of a crash with another vehicle.

Upgrades and Addons

Here are some of the upgrades and extra features you can add to your policy:

Sound System – If you have comprehensive coverage, you can purchase this add-on to cover your sound system for up to $2500. 

Newer Car Replacement – If your new car is totaled in an accident, Allstate will cover the cost to replace it with one model year newer if you choose this optional upgrade.

GAP – For cars that are still financed, you can include this coverage to pay off your loan in case of an accident that totals the vehicle. Normally it’s up to 25% of the actual cash value.

Available Discounts with Allstate Auto Insurance

You can earn discounts with the following Allstate programs:

Economy Car – Is your car good for gas and the environment? Fuel efficiency can get you up to 10% off.

Paid in Full  – Planning on paying your policy in full? If you do, then Allstate will thank you for it with a small discount.

eSmart  – Okay with going paperless and keeping all of your policy documents online? If so, Allstate will treat you to this additional discount.

Utility – If your utility vehicle was made before 2002, you might qualify for another discount of up to 15%.

Premier – Is your driving record clean of incidents for the last three years? You could save up to 25% or more if your good driving has gone on even longer.

Special Programs

These special programs and benefits are available from Allstate:

DriveWise  – This downloaded app keeps a record of things like speeding, hard stopping, and night driving to assess how safe you are on the road. Best of all, Allstate does not ding you for mistakes made while using the app. It only accounts for positive behavior. It requires ongoing participation, but the discount continues too. They share this app with their subsidiary, Esurance.

teenSMART Teenage drivers willing to participate in this online course will be eligible for potential additional discounts.

What You Need to Apply

Have this information on hand to get a fast, accurate quote:

Name  – Of course, they need to know who the policy is for, along with basic info like your birth date, which they will use to pull your public driving records.

Address Where you live affects how you drive. Approach any state line, and you’ll undoubtedly hear locals decrying the insane people in the next state. Cities, suburbs, and residential areas all have very different driving risks.

VIN  – You can find this 16-digit number inside your car door or auto manual. It belongs only to your vehicle and can identify the features included.

Email – Since Allstate is an online company, you will conduct all of your business online. So, they will need an email address to communicate with you and share policy details and changes if you decide to buy.

Compare Allstate Auto Insurance Policies

Now that you’ve seen how Allstate Auto insurance stacks up against the competition, it’s time to get a quote and see how much you could save. Head over to our rate form and enter your information in the form provided.

Within minutes, you could be on your way to finding cheaper Allstate car insurance that meets your needs. Have any questions? Feel free to contact us anytime for more information or help getting started. Thanks for reading our review!