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Allstate car insurance offers a simple, dependable process for your protection. Allstate is so confident in its ability to serve that it provides a Claim Satisfaction Guarantee in more than 40 states. Allstate offers a wide variety of coverage to ensure customers get the protection they need. There are also several discount options to help you save money when purchasing car insurance with Allstate.
Customer satisfaction ratings for claims and purchase experience are below average for Allstate, but overall, it offers reliable service. Customers are assigned expert local agents to handle their policies, and the 24/7 claims center means you can find help at any time.
Allstate’s Full Coverage Average Premium In Each State
Data Source: Coverage.com
- In business since: 1931
- J.D. Power 2019 Auto Claims Satisfaction score: 3/5
- AM Best financial strength: A+
- Moody’s financial strength: Aa3
- S&P Global financial strength: AA-
- Collision coverage
- Comprehensive coverage
- Liability coverage
- Medical payments coverage
- Personal injury protection
- Personal umbrella policy
- Rental reimbursement coverage
- Roadside coverage
- Sound system insurance
- Uninsured and underinsured motorist coverage
- Anti-lock brake discount
- Anti-theft device discount
- Automatic withdrawal discount
- Early signing discount
- Full-pay discount
- Multi-policy discount
- New car discount
- Paperless discount
- Responsible payer discount
- Safe driver discount
- Smart student discount
Allstate Car Insurance Review
- Drivewise program
- 24/7 claims center
- Agents available in every state
Allstate puts a lot of focus on customer service. Allstate’s optional Drivewise program helps customers improve their policy costs with safe driving rewards and feedback. It offers a 24/7 claims center, and there are agents available for customers in every state.
- Missing some common discounts
- Mediocre customer satisfaction scores
- Subpar customer service
While Allstate offers many discounts for its customers, there are some standard discounts that Allstate doesn’t provide. There’s no military discount and no discount for multiple cars. In terms of customer scoring, Allstate shows higher-than-average complaints on the NAIC company complaint index, and it also scored lower than average on the J.D. Power Claims Satisfaction Survey.
Claim satisfaction guarantee
Allstate promises customers that if they’re not satisfied with their claims, they get their money back guaranteed — it’s included for free in every Allstate policy. It’s important to point out that Claim Satisfaction Guarantee is not available in:
- New Hampshire
- North Carolina
- North Dakota
Allstate focuses on its personalized customer service. It pairs customers with experienced local agents dedicated to helping them. Together with the company’s innovative tools, Allstate agents make handling your car insurance easy.
24/7 claims center
Allstate ensures that customers can get the help they need, whenever they need it. Its 1-800 number offers 24/7 support to customers. Policyholders can also manage their policies using the mobile app.
Allstate car insurance is a good choice for customers looking for a straightforward process from a dedicated team. Its discounts, 24/7 claims center, dedicated agents and Claim Satisfaction Guarantee are just some ways Allstate helps make car insurance simple. On the downside, its customer experience is questionable, with a more than an average number of complaints and lower-than-average claims and customer purchase experience satisfaction scores. But overall, Allstate offers protection that customers can depend on for car insurance.
|A.M. Best Financial Strength Rating||J.D. Power 2019 Claims Satisfaction Study||24/7 Claims Support|
All information accurate as of 05/18/20
Allstate Car Insurance vs. GEICO Car Insurance
GEICO provides a highly intuitive experience through its website and mobile app if you prefer to handle your insurance online. GEICO lands higher on the J.D. Power Claims Satisfaction Survey than Allstate, and it topped the 2020 Purchase Satisfaction Survey. In terms of financial strength, however, they’re on par with one another. Allstate also includes roadside assistance, whereas GEICO only offers it as an add-on option.
The biggest difference between the companies is in the customer service approach. Even though both companies offer claims procedures online and over the phone, Allstate makes in-person service a priority, while GEICO’s focus is mainly online.
Allstate Car Insurance vs. Progressive Car Insurance
Progressive and Allstate offer similar coverage, with a few sizable differences. Allstate offers a wider variety of discounts for customers to save money, while Progressive’s savings come more from rewards than discounts. For example, Progressive offers declining deductibles to customers without claims every 6 or 12 months, depending on the policy. Allstate also has in-person customer service, but Progressive handles claims primarily online or over the phone.
Progressive and Allstate are neck and neck in customer satisfaction, according to J.D. Power, for claims satisfaction. However, Allstate is a few notches above Progressive for the insurance shopping experience.
Is Allstate car insurance expensive?
The cost of your car insurance policy depends on several factors, like the policy and deductible you choose. Your vehicle’s make and model and your driving history and location are also considered.
What do I need to get a quote from Allstate?
For a car insurance quote%7Cquote_box:Auhttps://purchase.allstate.com/onlineshopping/welcome?ZipCode=90210&State=CA&Product=Au&intcid=%2Fauto-insurance%2Fmain.aspx%7Ccar insurance quote%7Ccar insurance quote from Allstate, you need to provide:
- The make and model of your vehicle
- Your age and location
- Number of miles you drive annually
- Past traffic violations, if any