Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

Root or Allstate: Which company is best for you?

Root and Allstate both offer car and home insurance options — Root is more tech-forward with its app-based model, while Allstate is the more traditional option. Read on to learn more about these companies and decide which one is right for you.

Root car insurance

100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon

3 Rating from The Zebra Question mark icon

Root was among the early adopters of telematics technology, which helps to assign insurance rates based on driving habits instead of traditional rating factors. In fact, the company aims to discontinue using credit scores — a practice it calls "discriminatory" — by the year 2025. Root car insurance could be a solid option for those with a clean driving history or those who drive limited mileage. 

Pros Cons
  • Fast-growing geographic availability
  • Potentially low rates for low-mileage and/or safe drivers
  • Few customer complaints, considering its size
  • Lacks the brand recognition of some more traditional insurers
  • Higher-than-average customer complaint ratio (NAIC)                                     
Learn more

Allstate car insurance

100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon

4 Rating from The Zebra Question mark icon

Allstate is the fourth largest company in auto insurance market share. For drivers with complex needs, Allstate is a great option due to its extensive coverage options and wide geographic availability. However, rates tend to be a bit more expensive than those of some other comparable companies.

Pros Cons
  • Favorable third-party reviews
  • Wide-ranging coverage options
  • Few customer complaints, considering its size
  • More expensive than average rates                                      
Learn more

Which company comes out on top?

Tie


These companies cater to particular customer bases — Root's pricing strategy could be a good fit for drivers who seldom drive, while people who commute regularly and value better coverage options and savings may find Allstate to have what they're looking for. Because it's too close to call, we're calling this a tie.

Compare rates and start saving today!

or
Location pin icon
No junk mail. No spam calls. Free quotes.

Ratings comparison: Root vs. Allstate

Unbiased third-party publications evaluate insurance companies, measuring claims satisfaction, the number of customer complaints and other factors. We've gathered some of these ratings to provide perspective on the two companies' customer satisfaction standards, complaint ratios and financial stability.

Root vs. Allstate
Ratings comparison Root Allstate
Financial strength (A.M. Best) Not Rated Excellent
JD Power (claims satisfaction) Not Rated Average
JD Power (customer satisfaction) Not Rated Average
NAIC rating Below Average Excellent
The Zebra's editorial review score 3/5 4/5
The Zebra's Customer Satisfaction Survey Not Rated 4.3/5

Which company scores best?

Allstate


Not only was Allstate evaluated by more entities than was Root, it earned positive assessments for financial security and record of customer complaints. It also scored a strong 4.3 out of 5 in The Zebra's in-depth customer satisfaction survey. Additionally, The Zebra's editorial reviews — taking into account myriad factors — placed Allstate above Root.

The Zebra Customer Satisfaction Survey methodology

Findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2021.


Root vs. Allstate: discount comparison

See below for a comparison of the companies' discount options for car insurance.

Root vs. Allstate: discount comparison
Discount comparison Root Allstate
Good student
Multiple policies
Anti-theft device(s)
Good driver
Defensive driver
Affinity membership alum
eSign or ePay
Telematics
Annual Mileage

Telematics options: Root vs. Allstate

Each of these companies stands as a solid option for drivers interested in usage-based insurance. Telematics sits at the heart of Root's product, powering its entire pricing strategy.

Allstate also offers two telematics insurance programs: Drivewise, like Root, prices premiums based on an app that evaluates how you drive, while Milewise assesses your mileage.

root logo
Root Insurance

Root is one of the most prominent telematics-first insurance companies. Root uses its telematics app to gather information and calculate customer premiums. Rates are then set based on the insured's driving habits and frequency, rather than solely on demographic and historical information like past driving record or credit history.

allstate logo
Allstate Drivewise

Allstate Drivewise relies on a mobile app to track customers' driving. In addition to receiving 3% cashback for signing up, drivers can potentially earn discounts and rate reductions by driving safely. Allstate's app is available to both policyholders and "non-customers" alike to view driving data and receive feedback.

allstate milewise
Allstate Milewise

In Allstate's pay-per-mile insurance program, Milewise, mileage is tracked using a plug-in device and could benefit low mileage drivers. Allstate plans to expand Milewise to additional locations.

Zebra Tip: Turn to Root for telematics


Root is at the forefront of next-gen insurance technology, thanks to its intuitive app and usage-based pricing practices.


Roadside assistance: Root vs. Allstate

Find below summaries of the roadside assistance offerings available from Root and Allstate.

Root

Every Root policy includes roadside assistance, helping drivers in the event of car trouble. One of the few extra coverages available from Root is rental car coverage. If you purchase this coverage, Root will reimburse costs up to a specific amount for a rental car until your vehicle is fixed or replaced after a collision. Root also reimburses its customers for rides through Lyft

 

Allstate

Allstate offers three levels of roadside service alongside or separately from an Allstate insurance policy. Annual roadside membership plans and pay-per-use plans are available. If you have Allstate insurance, you can add roadside coverage to your policy. The pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $119 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services).

tow truck

Root vs. Allstate: home insurance

Root and Allstate both offer homeowners insurance. Consult our comparison below to find out which company might be the best fit for you and your home.

Root homeowners insurance review

100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon

3 Rating from The Zebra Question mark icon

Root partners with Homesite to allow existing auto insurance customers to bundle homeowners insurance. Root home insurance is not available as a standalone insurance policy — a customer must be enrolled in Root's car insurance program to be eligible and could receive a 10% discount by bundling.

Though the company is seen as financially stable, it receives more customer complaints than average. Customers looking for top-notch customer satisfaction may do well to look into a policy with a more established insurance provider. In addition, Root homeowners insurance quotes can only be found via the company's mobile app, not its website.

 

  • Customer satisfaction (J.D. Power) — Not rated: Root’s home insurance partner, Homesite, is currently unrated by J.D. Power.
  • Claims satisfaction (J.D. Power) — Not rated
  • Financial strength — Excellent: Homesite’s financial outlook is considered stable by AM Best.
  • NAIC Rating — Above average: Homesite received more customer complaints than average, according to the National Association of Insurance Commissioners (NAIC).
Learn more

Allstate homeowners review

100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon

4 Rating from The Zebra Question mark icon

In The Zebra's customer satisfaction survey of 15 popular homeowners insurance companies, Allstate finished in ninth place. Allstate's home insurance tends to be more expensive than other similar home insurance companies. The higher-than-average price of an Allstate policy could be worth it if good customer service and efficient claims processing are important to you.

While Allstate doesn't have the longest list of home insurance discounts, the company offers a number of add-on coverages.

  • The Zebra Customer Satisfaction Survey — 4.3/5: Allstate earned satisfactory marks in The Zebra's consumer survey.
  • Claims satisfaction (J.D. Power) — Average: Allstate was rated as average in claims satisfaction by J.D. Power.
  • Customer satisfaction (J.D. Power) — Above average: Allstate was among the top performers in J.D. Power's most recent study of customer satisfaction. 
  • Financial strength — Excellent: Allstate's finances earn an A+ from A.M. Best.
  • NAIC Rating — Above Average: Allstate's home insurance received fewer customer complaints than the national median.
Learn more

Which company comes out on top?

Allstate


Allstate is among the most established homeowners insurance companies in America, and that's reflected in its solid ratings and reviews. It's worth noting that if you're already a Root car insurance customer, Root home insurance may be a good option, especially with the 10% bundling discount.


Root vs. Allstate: homeowners discount comparison

Allstate and Root both offer home insurance discounts for customers. Compare these discounts head-to-head below.

ROOT VS. ALLSTATE: HOMEOWNERS DISCOUNT COMPARISON
Discount comparison Root Allstate
Claims free
Recent home buyer
Multi-policy
Early signing
Newer/more durable roof
Protective devices (smoke/burglar alarms, etc.)
New home construction

Zebra tip: Research potential discounts when choosing an insurance company


Both Allstate and Root offer a competitive selection of home insurance discounts. Be sure to do your due diligence to ensure you qualify for as many of these discount opportunities as possible when signing your contract.


Other insurance products and bundling options

Root and Allstate offer a variety of insurance products, along with the option to bundle policies for extra savings. Compare product offerings from the two carriers below.

Allstate vs. Root: other insurance products
Other products Root Allstate
Boat insurance
Condo insurance
Life insurance
Homeowners insurance
Travel trailer insurance
Renters insurance
RV insurance
Motorcycle insurance
Mobile home insurance
Umbrella
ATV insurance
Pet insurance
Commercial insurance

Find the best insurance policy for your needs.

or
Location pin icon
No junk mail. No spam calls. Free quotes.

RECENT QUESTIONS

Do I have to list my spouse as a driver?

You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.
May 5, 2019 Scottsboro, AL

Car insurance for elderly car owner who doesn't drive

There's a couple of ways to go about handling this. First, you need to be careful about your mother's registration.
Jun 20, 2018 Lake Worth, FL

What should I do if I cancelled my insurance policy but the company drafted money out of my account afterward?

While I can't say with a certainty, it sounds like you were set up for EFT (auto-draft) payments with Allstate so you didn't have to worry about calling in or mailing a payment. Unfortunately with EFT options, it may not be possible to stop a scheduled payment draft depending on when the payment is set to be withdrawn.
Mar 14, 2017 Detroit, MI

Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a freelance copywriter for over five years. 

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, BadCredit.orgCar and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

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 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.