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Allstate Insurance: Reviews, Coverage Options, and Ratings

Allstate Insurance Review for 2020


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4.0 Rating from The Zebra

One of the largest auto insurance companies in the United States, Allstate is one of the most recognizable names in insurance. If you’re searching for a wide range of coverage and assistance from a local agent, Allstate could be the insurer for you. Let’s take a look at Allstate insurance reviews, customer-submitted complaints and praise, along with available coverage options.


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JD Power Rating — Below average: JD Power rates Allstate as below average in overall customer and claims satisfaction.

Financial strength — Superior: An insurance company’s financial strength reflects its ability to pay out claims. Allstate earns a Superior rating from A.M. Best.

NAIC Rating — Excellent: The National Association of Insurance Commissioners received fewer complaints regarding Allstate than average in 2019.

JD Power Rating — Below average: JD Power rates Allstate as below average in overall customer and claims satisfaction.

Financial strength — Superior: An insurance company’s financial strength reflects its ability to pay out claims. Allstate earns a Superior rating from A.M. Best.

NAIC Rating — Excellent: The National Association of Insurance Commissioners received fewer complaints regarding Allstate than average in 2019.

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Allstate car insurance coverage options

Allstate provides all the basic insurance coverage options: liability, comprehensive, collision, and uninsured motorist coverage. Outlined below are additional features available through an insurance policy with Allstate.

 

Ride-sharing coverage

Allstate currently provides ride-sharing car insurance coverage in 47 states and Washington, D.C. Allstate's ride-share coverage works with Lyft and Uber to ensure your vehicle is protected throughout your workday. Learn more about rideshare insurance.

 

Accident forgiveness

Allstate's accident forgiveness coverage ensures your rate won't go up after an accident — even if you're at fault. Learn more about accident forgiveness here.

 

Roadside assistance

Allstate has three tiers of roadside assistance: membership, pay-per-use, and roadside coverage. The membership tier provides the most robust coverage, although each promises 24/7 protection against flat tires and dead batteries.

 

Allstate Drivewise

Drivewise is Allstate’s usage-based insurance program. Drivewise uses a mobile app to measure your behavior behind the wheel and more accurately price your premium. Good driving habits can earn you a big discount. Explore other usage-based insurance options.

 

New car replacement

If your new vehicle is two model years old or less, Allstate will replace your vehicle with a new one in the event of a total loss, rather than issuing a check for its depreciated value. Learn more about this coverage.

 

Vanishing deductible

Allstate’s Deductible Rewards offering provides a $100 deductible discount for every accident-free year free of insurance claims. See more info about vanishing deductibles here.

 

Safe driving bonus

Allstate's safe driving bonus rewards safe drivers by providing a check in the mail every six months if you steer clear of collisions and maintain a good driving record.

 


 

Allstate discounts and rewards programs

Allstate offers a number of ways to put money back in your pocket. Below are common ways to save.

Policy discounts:
  • Multiple policy discount: If you bundle your renters, home, or other Allstate policy with your auto insurance, you can earn a multi-policy discount.
  • EZ pay plan discount: If you set up automatic payments from your bank account, you can earn a discount of up to 5%. 
  • Allstate eSmart discount: Creating an online account with Allstate can earn you as much as a 10% discount and make paying your car insurance bill quicker and easier.
  • FullPay discount: If you pay the entirety of your premium upfront, you can earn up to 10% back.
  • Early signing discount: Signing your policy documents at least seven days before your policy inception date can earn you a 10% discount.
  • Responsible payer discount: After your first year with Allstate, you can earn a 5% discount if you did not receive a cancellation notice for non-payment your previous year.

 

Young driver/teen discounts:

If you’re a young driver — under the age of 25 — you can save in three different ways with Allstate.

  • Good student discount: Full-time, unmarried students with good grades can earn up to 35% off. See other student discounts here.
  • Safe driving program: This program results in premium discounts of up to 25% if a teen driver completes the teenSMART driver education program through Allstate.
  • Student away from home: If a young driver attends school more than 100 miles away from their listed residence, Allstate offers up to 35% off.

 

Vehicle discounts:
  • New car discount: Save up to 15% by covering a new vehicle with Allstate.
  • Anti-lock brake discount: Save up to 10% if your car is equipped with anti-lock brakes.
  • Anti-theft device discount: Save up to 10% if your vehicle has an anti-theft device.

Learn more about common discounts on auto insurance.

 


 

Additional lines of insurance

In addition to car insurance, Allstate offers a variety of other coverage types:

 


 

Is Allstate right for you?

One of the leading insurance providers in the US, Allstate has excellent financial strength but a below-average JP Power rating in terms of customer satisfaction.

Allstate's array of coverage options should cover any of your insurance needs, including auto, home, and even your pet. What about the cost? Because car insurance is priced based on you, your location, and your driving habits, it's impossible to provide a precise estimate. The best way to find out whether Allstate is affordable for you is to get a quote.

Click here or below to see how much you could save with Allstate auto insurance and compare other car insurance quotes.

 

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Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.

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