Allstate

The Car Insurance Guide

Overall Personalized Rating: 4/5 (Very Good)

Summary

Allstate is one of the largest and most established insurance companies in the states. It's the largest publicly held insurance company in the USA, the second largest auto insurance carrier, and its roots go all the way back to 1931. For those seeking personalized service, the company employs thousands of agents all across the country. Their extensive insurance offerings include not only auto insurance, but a wide range of other policy types as well.

Key Benefits

Wide range of products to cover your insurance needs
Large network of insurance agents offer a more personal experience
Accident forgiveness program -- even if it was your fault, an accident won't necessarily make your rates increase
Allstate Safe Driving Bonus Program -- participants receive a check for every six months they're accident free

Ratings Summary

Ratings Highlights

Overall Rating

Allstate's extensive product offering and great service make it a prime option for drivers with clean driving records and high credit scores. If you are interested in a one-stop shop insurance experience, this is one carrier to check out.

Pricing

Allstate's pricing is generally fair, though not the cheapest in the industry. Their quality customer service, however, can make up the difference in price for drivers that prioritize customer experience, according to multiple survey respondents.

Handling Claims

Survey respondents ranked Allstate in the middle of the pack when it comes to claims servicing.

Uninsured Drivers

As Allstate focuses on customers with clean driving records and proven insurance histories, they are not the best choice for currently uninsured drivers.

Young Drivers

While this is by no means their target demographic, our research indicates that Allstate has surprisingly low rates for young drivers, at least when compared to other premium carriers. If you are under 26, we recommend getting a quote from them and comparing it to the rates offered by a few other carriers.

Bundling Auto with Other Insurance Types

Allstate is a great option for those interested in bundling, particularly when it comes to auto and home insurance packages. In general the carrier offers a broad range of products to suit all the needs of their customers.

Drivers with Tickets/Accidents

Allstate does not stand out when it comes to serving this driver group. While they do write policies for drivers with accidents, tickets, or other issues on their driving records, they may not offer the best pricing in these cases. They primarily serve drivers with clean records.

Premium Driver

Drivers with great credit and clean driving records can expect lower rates and fantastic service when working with Allstate, as this is their preferred customer base. Definitely consider getting a quote from them if you fall into this driver category.

Company Background

Allstate began as a part of the Sears Roebuck company in 1931, before becoming a fully independent brand in 1995. Throughout its tenure as an insurance company, the carrier has built and maintained a reputation as one of the top carriers in the country. With the acquiration of online-focused Esurance, Allstate has managed to diversify its traditional agent-based sales model and fully embrace the online insurance model, to great success. Their headquarters are just north of Chicago, Illinois.

The Car Insurance Guide's Reviews Methodology

The Car Insurance Guide uses a proprietary algorithm to evaluate the car insurance options presented. Factors reviewed and rated include pricing, handling of claims, age of driver, bundling, and driver type. These factors are evaluated and scored to provide an overall score for the carrier as well as being individually assessed to provide a detailed review of the fit of the carrier to the driver. The data comes from research The Car Insurance Guide conducts as an invite-only annual survey and from interviews with car insurance agents. Insights from experts, those whose job it is to understand and recommend the best insurance companies for their clients, is invaluable. Use of The Car Insurance Guide's 2024 reviews by third parties without the express written consent of The Car Insurance Guide is strictly prohibited.