Allstate Insurance Review (2025)
- Overall rating: fair (2.9/5 stars)
- Average cost: $1,460 for a 6-month policy
- 88.4% of customers recommend Allstate
Read more below to get a quote directly from Allstate.
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 The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is Allstate car insurance?
Currently, the national average for a 6-month car insurance policy is $1,084, whereas Allstate is about $1,460.[1]
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
See how Allstate stacks up against competitors →
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-.
| Anti-lock brake discount | Responsible payer discount |
| Anti-theft device discount | Good student discount |
To learn more about each discount Allstate has to offer, see their discounts page.
Compare with other companies
See how Allstate stacks up against similar companies
Cost: $1,460 average cost for a six month policy
Customer satisfaction: Medium
Our take:
- Outstanding online account management capabilities
- Average claims satisfaction
- Received a Superior financial strength rating from AM Best
Cost: $1,086 for a six month auto policy
Customer satisfaction: High
Our take:
- Cheaper prices than Allstate
- Better claims experience scores than Allstate
- Better bundling options than Allstate
Cost: $1,133 average cost for a six-month policy
Customer satisfaction: High
Our take:
- Cheaper prices than Allstate
- Better trust and reliability scores than Allstate
- More discount options than Allstate
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.
Thinking about Allstate?
See what other drivers are asking
Can an insurance company force me to be added to a policy?
Why does Allstate count hail damage against you?
Will Allstate cover my flooded car?
How does Allstate handle claims in high-risk areas?
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.[2]
Source: The Zebra
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.
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| None | $1,484 |
| One comp claim | $1,524 |
| Two comp claims | $1,566 |
| At-fault accident - $1000-$2000 | $2,156 |
| At-fault accident - greater than $2000 | $2,232 |
Source: The Zebra
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
✔️ Classic car insurance
✔️ Mexico car insurance coverage
Confirming your coverage is also easy to do on your Allstate declarations page.
Carrier pulse: Recent news from Allstate
- The Allstate Corporation has announced updates to its senior leadership team, effective Oct. 1, 2025.[3]
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.
Frequently Asked Questions about Allstate
Get quotes from Allstate and other top companies
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Survey. The Zebra
Allstate Reshuffles Leadership. Reuters News
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.