Allstate

The Car Insurance Guide

Overall Personalized Rating: 4/5 (Very Good)

Overall Personalized Rating: 4/5 (Very Good)

Summary

Allstate is one of the largest and most established insurance companies in the USA. 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. It has over 11,000 agents if you are seeking individual, personalized service. It has an extensive auto insurance product offering, not only in auto, but in other types of insurance as well.

Key Benefits

  • Large, financially stable company
  • Wide range of products to cover your insurance needs, way beyond auto
  • Large network of insurance agents if you are interested in a more personal experience
  • Accident forgiveness program--even if it was your fault, an accident won't make your rates increase.
  • Safe Driving Bonus: Receive a check every six months that is accident free, only with Allstate

Ratings Summary

Ratings Highlights

Overall Rating
Our insurance agent survey respondents think Allstate is a great choice for consumers with clean driving records and a good credit history. Our insurance agent respondents also praised Allstate for its extensive product offering and ability to provide one stop shopping for a consumer's insurance needs.
Pricing
Our pricing research found Allstate to have pricing that was in the middle of the pack.  If you are service focused Allstate's pricing could be mix of fair pricing and service.
Handling Claims
Allstate ranks in the middle of the pack by auto insurance agent respondents in terms of handling claims.
Uninsured Drivers
Our insurance agent respondents rank Allstate in the bottom half of carriers as being a good choice for uninsured consumers. The perception of our insurance agent respondents is that Allstate did much better for those with a clean driving record.
Young Drivers
Our insurance agent respondents rank Allstate in the bottom half for being a good choice for young consumers. Our pricing research shows Allstate to be surprisingly price competitive for young drivers when compared to other service oriented insurance companies.
Bundling Auto with Other Insurance Types
Our survey respondents rank Allstate near the top for providing bundled insurance products, like Auto and Home. With a broad selection of insurance products, Allstate is a great choice to one stop shop for your insurance needs.
Drivers with Tickets/Accidents
Allstate is ranked in the middle of the pack by our auto insurance agent respondents in terms of being a good match for those consumers who have either had an accident and/or tickets.  Our pricing researched highlighted that although they typically did not have the best pricing, they do write policies for drivers in this group. 
Premium Driver
Allstate may be the company for you if you have a clean driving record and good to great credit. Our insurance agent respondents rate Allstate near the top in terms of a good match for drivers with an untarnished driving record.

Company Background

Allstate has a long history, having offered insurance since 1931, when it began as part of the Sears Roebuck company until it was spun off in 1993. Fun fact, Allstate was a Sear’s tire brand before the name was borrowed for use in selling auto insurance via mail. In 2011, Allstate acquired online focused Esurance to diversify its traditional agent-based sales model. Allstate is headquartered just north of Chicago, Illinois and is the third largest insurance company in the United States with 9.7% market share.

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 2021 reviews by third parties without the express written consent of The Car Insurance Guide is strictly prohibited.