Allstate Insurance: A fair choice for most shoppers
Allstate earns a fair rating from The Zebra thanks to its wide range of discounts, extra coverage options, and pricing that comes in below average compared to similar-sized carriers.
Independent reviews back that up. Allstate consistently performs well in third-party rankings, with fewer customer complaints than the national average and strong financials that show it’s well-equipped to pay out when you need it most.
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Service Hours and Accessibility: Allstate support is available when you need it, including evenings and weekends.
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Online Account Management Capabilities: Handle routine tasks and updates online on your schedule.
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Regulatory actions or complaints: Frequent complaints suggest problems with claims and customer service.
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Communication During Claims Process: Poor communication forces you to chase down claim updates.
How much is Allstate car insurance?
Currently, the national average for a 6-month car insurance policy is $1,163, whereas Allstate is about $1,613
Discounts offered at Allstate: Many discounts to fit your needs
Allstate offers a number of ways to put money back in your pocket; the scope of these discounts is comparable with many of Allstate’s competitors. Individually, these discounts tend to be quite small but can add up to chip away at your total insurance premium.
After your first year with Allstate, you can earn a discount if you did not receive a cancellation notice for non-payment your previous year.
Get more value from your auto insurance when you carry multiple policies with Allstate. When you bundle home, auto and more, you can unlock extra savings while protecting what matters most.
Get this Allstate discount if your high school student has a grade average of at least B-.
Allstate’s customer service & claims experience: Helpful with policy, uninformative with claims.
Allstate’s customer service achives above averge scores in a few catagories. They shine in availibility and hours of support, ease of filing claims, and answering policy based questions.Where they seem to drop the ball, is the transparency and processing time of the claims that have been filed.
Allstate Customer Survey results
88.4% of customers recommend Allstate
The Zebra conducted a survey across 4,000+ users to gather ratings on major carriers’ customer service, claims process, ease of use, and more. See how Allstate was rated in individual categories by expanding the section below.[
How much will your rates climb after filing a claim with Allstate?
No one wants to file a claim, but sometimes it’s impossible to avoid. See the table below for some examples of what you could be facing after filing a claim.
| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| None | $1,556 |
| One comp claim | $1,599 |
| Two comp claims | $1,645 |
| At-fault accident – $1000-$2000 | $2,321 |
| At-fault accident – greater than $2000 | $2,426 |
Allstate’s ease of filing claims has garnished the highest scores with their policyholders survey. Post filiing process, unfortunately, leaves the policyholders bewildered. Through inconsistant communication to unfair resolutions, policyholders rank the overall claims experience as below average.
Coverage options: Flexible and customizable
Allstate provides all of the basic insurance coverage options like liability insurance, comprehensive and collision coverage, uninsured motorist coverage and more. The company offers an ample number of coverage options that are comparable with those of other large insurance companies like GEICO, State Farm and Liberty Mutual.
Additional features (and benefits) available through an Allstate insurance policy are detailed below. Some of these endorsements may come at an additional premium but could be worth adding to increase your level of protection on the road.
✔️ Mexico car insurance coverage
✔️ Rideshare coverage
✔️ Classic car insurance
✔️ Mexico car insurance coverage
Confirming your coverage is also easy to do on your Allstate declarations page.
Final thoughts: Is Allstate Right for You?
Allstate is one of the most expensive car insurance companies compared to its competitors but provides a great range of coverage options and myriad discount opportunities, including options for pay-per-mile for infrequent drivers and a telematics program. It also has a great reputation for claims satisfaction, lower than average number of consumer complaints and superior financial strength. We believe it’s a great option for most customers, but you should know to be wary of the price when you get your quote.
