Allstate Auto Insurance Review 2020

Last modified: October 19, 2020
  • Claims 9
  • Buying 8.5
  • Transparency 9
  • Coverage Variety 10
  • Value For Money 8.5
  • OVERALL RATING 9
  • Financial Strength A+ (AM Best Rating)
  • BBB Rating A+
  • User Ratings TrustPilot 1.7 stars
  • Pricing $1,880
  • Discounts 5/5
  • User Ratings Consumer Affairs 1.6 stars
  • Availability All States
  • Support Email, Phone
  • Flexibility Policy customization possible

About the Company

On the hunt for auto insurance? You’ve probably seen the name Allstate auto insurance in reviews, but allow us to tell you more

Allstate Auto Insurance, founded in 1931, is among the largest and most recognized insurance companies in the country. This company offers a wide variety of insurance coverage and an outstanding range of discounts and perks for the customers. 

It provides customers with basic coverage policies, along with additional perks, like towing and labor coverage, and sound system coverage. It has scored AA and A+ on financial stability by S&P and AM Best rating respectfully, which indicates that the company is stable enough to settle claims. 

How we Reviewed

Here is what we did to review the cost and contents of Allstate auto insurance quotes.

We collected quotes for age groups 25, 40, 55 in the states of NY, NJ, CL, TX, MI, for a Honda Accord 2015 and some conditions mentioned here in this table:

Age 25-year-old 35-year-old 45-year-old
Car type Honda accord 2015 Honda accord 2015 Honda accord 2015
States NJ, NY, CL, TX, MI NJ, NY, CL, TX, MI NJ, NY, CL, TX, MI
Condition 1 Full and minimum coverage rate Full and minimum coverage rate Full and minimum coverage rate
Condition 2 Pre and post-accident rate Pre and post-accident rate Pre and post-accident rate
Condition 3 Excellent and poor credit score rate Excellent and poor credit score rate Excellent and poor credit score rate

Where is it Available

Allstate Auto Insurance covers all parts of the United States. You can easily find an agent in areas near you. 

Types of Insurance Covered and Missing Coverages

Allstate auto insurance offers coverage for various types of insurance, including the following:

  • Liability Coverage 
  • Uninsured and Underinsured Motorist
  • Collision and Comprehensive Coverage
  • Medical Payment 
  • Personal Injury Protection

Aside from these basic coverage options, Allstate also offers the following coverages:

Ride-Sharing Coverage – Rideshare coverage is offered in 47 states and works with Uber and Lyft. It ensures that your car is covered while you work throughout the day. 

Allstate Accident ForgivenessThis coverage makes sure that the rate doesn’t increase after you have had an at-fault accident. 

Roadside Assistance – Allstate offers roadside assistance in three tiers: roadside coverage, pay-per-use, and membership. The membership provides the best coverage, but each tier provides 24/7 coverage against dead batteries and flat tires. 

Allstate Drivewise – this coverage is a usage-based program and measures your driving habits to calculate your premium accurately. Good drivers can get great discounts. 

New Car Replacement – if your car is two years old or less, then you are eligible to get this coverage. The company will replace your totaled car with a new one. 

Vanishing Deductible – the deductible rewards by Allstate offer a $100 deductible discount for each accident-free year. 

Safe Driving Bonus – Allstate rewards the excellent driving behavior with a check in your mail after six months. 

Insurance Offers or Extras

Aside from the coverages mentioned above, there are plenty of offers and discounts offered by the company. Allstate auto insurance discounts are as follows: 

  • Multiple policy discounts
  • Allstate eSmart discount
  • EZ pay plan discount 
  • Responsible payer discount
  • Good student discount 
  • Student away from home discount
  • Safe driving program 
  • Anti-theft device discount
  • Anti-lock brake discount
  • New car discount

Customer Satisfaction and Reviews

The Allstate auto insurance rating for overall customer satisfaction is about average. They received higher than average ratings for claim satisfaction, which is better than most of its competitors. The financial stability of the company has been rated strong with S&P rating it AA and BM Best rating it A+.

Allstate has received the expected amount of complaints to the state regulators as per the size of the company.

Platform Rating
TrustPilot 1.7 stars
Consumer Affairs 1.6 stars
BBB A+

 

Customer Support

Allstate has separate contact details for different types of concerns. This makes it easier for the customers to reach an agent and get their issues resolved. 

They provide phone numbers for claims, quotes, roadside assistance, payment and billing, and so much more. Aside from that, you can get in touch with the agent near you to resolve your concern. You can also file claims, track the progress, and manage, set up, and keep track of your policies online. 

That’s all good, but Allstate customer reviews don’t stand out as mind-blowingly positive.

Ease of Use and Policy Customization

The website of Allstate offers numerous resources and tools to help customers get the right information on insurance policies. The website is user friendly and easy to navigate. It includes all the necessary information an existing or potential customer may want to look for. However, they don’t provide an option for online chat.

Allstate also has a mobile app that can be used to manage and track the policies, make payments, submit a claim, keep track of a claim, get roadside assistance, and more.  

Pricing Review

We’ve come to the probably most anticipated part of this Allstate review. Pricing.

The average national representative rate of Allstate auto insurance is $1,880, which makes it among the most expensive auto insurance available. Of course, the total amount depends on various factors, including your age, driving record, and more. 

The average car insurance rate for:

  • A 25-year-old driver is $2,000
  • A 35-year-old driver is $1,853, and 
  • A 45-year-old driver is $1,800

The average insurance rate for drivers as per coverage type is as follows:

  • For low insurance coverage, the rate is $1,772
  • For medium coverage, the rate is $1,880
  • For high coverage, the rate is $1,983

The average insurance rate for drivers as per the credit score is as follows:

  • For the drivers with good credit, the rate is $1,900 
  • For drivers with fair credit, the rate of $2,220 
  • For drivers with poor credit score, the rate is $3,024

Comparison with Competitors

Reviews often compare Allstate auto and its competitors. Here’s what we discovered::

Progressive Auto Insurance

Progressive and Allstate are similar in many ways. Both companies offer significant discounts, but the rates are still quite high. 

Progressive offers no-drop promise and pet coverage, Allstate offers airbag discounts and safe driver discounts. Allstate is more focused on in-person agents, but Progressive is all amount providing an online experience. 

If you have poor credit, then Allstate is a slightly better option for you as compared to
Progressive. Good credit score drivers should go with Progressive. 

For bad drivers, Progressive offers better rates. 

Geico Auto Insurance

If you are interested in low rates, then Geico offers better quotes than Allstate auto insurance. The discounts offered by both companies are rather impressive. The customer service rating was higher for Allstate as compared to Geico. 

Geico also offers mechanical breakdown coverage for repairs that are not included in comprehensive or collision coverage. It also offers a multiple-vehicle discount, affinity membership alum, and military discounts. 

On the other hand, Allstate offers a new vehicle discount, pay in full and advance payment discount, driver training discount, student away at school discount, and green vehicle discount. 

If you have a bad credit score, then Geico is a better option for you. Geico also offers a better rate for drivers with an exceptional credit score. If your driving record includes a DUI, reckless driving violation, ticket, or an at-fault accident, then Geico is a good option for you. 

State Farm Auto Insurance

The average rate of State Farm is significantly low as compared to Allstate. State Farm also ranks higher than Allstate in claim satisfaction and rates. State Farm has been rated among the top for customer service. Allstate, however, offers many more discounts and an outstanding reward system. 

Bad drivers can save more with State Farm. If you have bad credit, Allstate is the one to go with, but drivers with exceptional credit can get better rates with Allstate. 

Allstate offers an anti-lock brake discount, green vehicle discounts, new vehicle discount, and pay in full discount. Whereas, State Farm offers multiple vehicle discounts, Affinity membership alum, and annual mileage discount. 

Claims Handling

Filing a claim with Allstate auto insurance is simple.

You can file a claim online by first registering online and signing up. The process is straightforward from there, as Allstate guides the customer right from the start to the end. You can also submit and track the claim through their mobile app. 

Once the claim has been filed, the AllState claims management process is easy. The damage will be evaluated by a rep from the company. You will be guided regarding the repair choices and estimates. If the claim is eligible, you will have to submit photos to the company. 

You will receive an estimate of the repair settlement. Next, you can select where you want your car to be repaired. Allstate will either reimburse you for the repair costs or send the payment directly to the repair shop, depending on the situation. 

Pros & Cons

The Pros

  • Above-average good customer service
  • Competitive discounts and perks
  • Informative and user-friendly website

The Cons

  • High premiums
  • Phone number needed to get quotes
  • Rates not competitive

Final Verdict

The company is among the leading auto insurance provides in the country, as many Allstate car insurance reviews will tell you. It has outstanding financial stability but has a below-average ranking when it comes to customer satisfaction. The rates of this company are one of the highest in the industry. 

If you are looking for an insurance provider with affordable rates, this company is not for you. You will end up paying high premiums. If you are looking for a company that offers an outstanding rewards system and a range of coverage options, go with Allstate.