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Allstate Auto Insurance Review

Exceptional claims process, but slightly higher premiums and average customer satisfaction scores. ​
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Streamlined claims process with a satisfaction guarantee in more than 40 states
Strong online policy management and learning materials
24/7 claims center

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By Reviews Staff
Last updated on Nov 11, 2025

Reviews Report

  • Reviews.com scores Allstate auto insurance a 4.2 out of 5, based on financial strength, online resources, and coverage. 
  • Allstate’s core property-casualty subsidiaries carry an A.M. Best Financial Strength Rating of A+ (Superior) with a stable outlook, most recently affirmed in 2024, signaling very strong claims-paying ability.
  • J.D. Power’s latest public summaries show Allstate’s auto claims satisfaction broadly around the industry average as overall satisfaction has been pressured by repair delays and catastrophe activity.

Allstate auto insurance began in 1931 under Sears, Roebuck & Co. chairman Robert E. Wood. In 1939, Allstate was the first car insurance company to base quote rates on age, mileage, and usage, offering more competitive and personalized policy premiums. The industry followed suit and now, Allstate is the fourth-largest U.S. auto insurer.

With a wide range of coverages and a broad menu of discounts, Allstate offers reliable protection backed by recent industry studies. Allstate’s results in claims customer satisfaction are not called out among the highest or lowest performers in the latest public J.D. Power release, suggesting performance near the industry average; the company also offers a Claim Satisfaction Guarantee in select states. Allstate offers multiple ways to file a claim 24/7 and uses local agents, which is becoming rare in the auto insurance industry.

Allstate’s Full Coverage Average Premiums in the U.S.

Data Source: Coverage.com

Allstate Car Insurance Overview

Reviews.com Score
4.2
In business since
1931
AM Best AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
A+
J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
825*
States served
50 + D.C.

According to YouGov, Allstate remains among the most popular U.S. insurance brands. Allstate was recognized on Fortune’s World’s Most Admired Companies list in 2025, with multiple awards in recent years including top scores on the 2023–2024 HRC Corporate Equality Index, inclusion in the 2024 Bloomberg Gender-Equality Index, The Civic 50 honoree designation in 2024, placement on Newsweek’s America’s Most Responsible Companies 2024, and a top score on the 2024 Disability Equality Index.

Allstate offers pay-as-you-drive insurance (Milewise) and Drivewise telematics in select states, which can reduce premiums based on mileage and driving habits, subject to state rules. In recent J.D. Power research, overall auto insurance satisfaction and claims satisfaction have faced industry-wide pressure; public summaries place Allstate broadly around the industry average for purchase experience and overall customer satisfaction. With claims satisfaction similarly near industry norms in public summaries, Allstate’s performance aligns with broader market trends.

PROS

  • Bundle with home for savings: Customers may save up to 25% on home and auto by bundling both policies with Allstate.
  • Telematics savings programs: Allstate’s Drivewise and Milewise programs let drivers prove mileage and good driving habits to save on auto insurance.
  • Dedicated local agents: Drivers can get personalized customer service from expert local Allstate agents, in addition to online quotes.
  • Above-average claims satisfaction: Allstate has ratings for claims satisfaction by J.D. Power, and a Claim Satisfaction Guarantee program offered in 43 states.

CONS

  • Fewer discounts: Of all competitors, Allstate has the least amount of available discounts on car insurance.
  • High industry complaint index: Allstate has received twice as many complaints compared to similarly sized competitors in 2020.
  • Not available in all states: Not all coverages are available in all states, including rideshare insurance.
  • Below average customer satisfaction: Scores from J.D. Power 2021 studies are below average for customer satisfaction in several regions.

Allstate Car Insurance Highlights

Coverage
Customer Experience
Discounts & Add-Ons
Claims

Drivers can find standard car insurance coverage with Allstate, including collision, comprehensive, liability, medical payments, uninsured and underinsured motorist, and personal injury protection. Limits and deductibles can be chosen to meet state requirements, specific needs and budget. Allstate also offers specialty insurance for classic cars and drivers traveling to Mexico, which isn’t always offered by major auto insurers.

In most regions, Allstate is rated average or below the average in the J.D. Power Auto Insurance Study, though Allstate is No.1 for customer satisfaction in Florida. As for purchase experience, Allstate is just one point below average in the J.D. Power Insurance Shopping Study, with only two companies above average. These ratings suggest Allstate is average or above when handling and resolving customer complaints and issues.

Like many carriers, Allstate offers stackable discounts to lower premiums for auto insurance. Discounts from Allstate include the following:  

  • Drivewise
  • Paperless billing
  • Early signing
  • Multi-policy and vehicles
  • Smart student
  • New car
  • Autopay
  • Pay in full 
  • Anti-lock brakes
  • Anti-theft devices

Additionally, Allstate drivers can purchase add-on coverage for rideshare, sound systems, personal liability umbrella, roadside assistance, and rental car reimbursement.

Allstate auto claims customers have the option to file claims online, over the phone, or through the Allstate mobile app. Once filed, drivers can track their claims on the app or online. Some online Allstate insurance reviews from those who file claims with the company suggest poor claims experience, although this is not reflected in the NAIC complaint index for Allstate’s auto products, which is .88 — less than the average expected complaint ratio for the industry for auto insurance. J.D. Power rates Allstate above-average for auto claims satisfaction, as well.

Allstate Car Insurance vs. The Competition

Reviews.com Score J.D. Power Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality. AM Best AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. No. of Discounts
Pin Allstate4.2825*A+11
Pin Auto-Owners4.4845*A++13
Pin Geico4.8833*A++16
Pin State Farm5847*A++13

Information accurate as of November 2025. J.D. Power’s 2024 U.S. Auto Insurance Study is scored on a 1,000-point scale; public summaries highlight category leaders and industry averages.

Allstate vs. Auto-Owners

Both Allstate and Auto-Owners advertise discounts for car insurance, but their emphases differ. Allstate publicly features billing/loyalty-style savings (such as Early Signing, FullPay, EZ Pay Plan, and Responsible Payer) alongside common multi-policy, multi-vehicle, and driver-based discounts, while Auto-Owners highlights many of the standard driver, vehicle, and bundling options. Recent J.D. Power public summaries do not single out either carrier at the extremes for auto claims satisfaction, suggesting broadly industry-average experiences. Availability also differs: Allstate writes policies nationwide, whereas Auto-Owners maintains a more limited regional footprint.

Allstate vs. Geico

GEICO emphasizes affiliation-based discounts (military, federal employee, membership) and its DriveEasy telematics program, while Allstate stands out for billing/loyalty-style discounts and offers both Drivewise (behavior-based) and Milewise (pay-per-mile). J.D. Power’s most recent public summaries show mixed satisfaction trends across the industry; neither brand is consistently highlighted as a top or bottom performer. GEICO is a top-three auto insurer by market share, and Allstate remains #4 among large insurer peers.

Allstate vs. State Farm

Allstate and State Farm both provide broad coverage options and large agent networks. For telematics, Allstate offers Drivewise (behavior-based) and Milewise (pay-per-mile), whereas State Farm focuses on Drive Safe & Save (behavior-based). Public J.D. Power summaries generally place both brands around industry averages by region; State Farm remains the largest U.S. auto insurer, while Allstate remains fourth by market share. Allstate also offers more mileage-based customization via Milewise for low-mileage drivers.

Allstate Car Insurance FAQ