Allstate Auto Insurance Review
Allstate provides a streamlined claims process from the moment you file to the time of repairs. Features like its Claims Satisfaction Guarantee (available in more than 40 states) ensure that customers get the coverage they pay for. And a wide range of policy and coverage options allow the insurer to deliver on its promise of providing customers the protection that best suits their needs. That said, you will have to pay more for that protection — consumer studies indicate that the company has higher rates compared to competitors with similar coverage options.
Allstate claims that a policy with the company is “more than just car insurance.” With its “personalized help from expert agents” and “innovative tools,” it promises to take the complication out of coverage. It also guarantees a straightforward claims process. An online dashboard and its 24/7 claims center allow you to check the status of your claim and repairs day or night.
Is it true?
Allstate ranks 11th out of the 23 leading car insurance providers in the J.D. Power 2018 Auto Claims Satisfaction Study. This report indicates that Allstate provides about-average service during both the estimation and repair process compared to other industry leaders. As the third-leading provider of car insurance in the U.S., Allstate also has an expansive network of agents and over 3,500 trusted repair shops to help you get through the claims process and back on the road quickly and confidently.
The Allstate Tools and Resource section online also offers articles and video tutorials on a wide range of topics, from insurance terminology to tips for choosing coverage options. With tools like a car payment calculator, Allstate helps you understand exactly what your policy covers while staying within your budget. Most customers are probably already familiar with the fundamentals of auto insurance, but knowing the ins and outs of your coverage will help you navigate the more complicated claims process — that means less frustration and greater understanding between you and your Allstate agent.
However, it’s worth noting that the actual process of buying insurance from Allstate isn’t quite as easy. A separate J.D. Power study of customer satisfaction during the shopping process lists Allstate slightly below the industry average. According to the report, potential customers can expect higher rates and less helpful sales representatives compared to Allstate’s competitors. Although premiums differ by location and driving record, studies show that you’ll likely be able to find the same level of coverage for a better price elsewhere.
People who want a straightforward claims process or families with student drivers
People looking for lower premiums
|Price||Quotes differ from person to person|
|In business since||1931|
|Standout features|| Straightforward claims process|
Claims satisfaction guarantee
Online policy management and learning materials
Agents available in all 50 states
24/7 claims center
|Discounts|| Safe driver discount|
New car discount
Anti-lock brake and anti-theft discount
Good student discount
Automatic withdrawal discount
Responsible payer discount
Smart driver discount
Paying in full discount
Multiple policy discount
Early signing discount
|Number of states served||50|
|J.D. Power 2018 U.S. Insurance Shopping Study score||821/1,000 (below industry average)|
|J.D. Power 2018 U.S. Auto Claims Satisfaction Study score||857/1,000 (below industry average)|
|A.M. Best financial strength rating||A+ (superior)|
|Moody’s financial strength rating||Aa3 (great)|
|S&P Global rating||AA- (strong)|
Streamlined claims process
Allstate provides online and mobile claim filing tools that make it easier to file fast and get your car fixed. When an accident occurs or your car sustains other damage covered by your policy, Allstate’s detailed guides will help you through the process step by step — you can even download and print worksheets to help collect and organize all your claim information.
There are also no restrictions on choosing a repair facility, so you can use your favorite local repair shop or go with a facility in the Allstate Good Hands Repair Network. All of that results in a streamlined reporting procedure and repairs you can feel confident in. You always have the option of speaking with a claims agent for personalized service, as well.
Claims satisfaction guarantee
Although Allstate’s claims process is solid, if you’re not happy with your auto claim, its Claim Satisfaction Guarantee means you’ll receive credit amounting to six months’ worth of premium costs — no questions asked. The guarantee is only available in 42 states and Washington, D.C. but is included for free with all standard Allstate policies for those who have access.
Claims satisfaction guarantee is not available in these states:
- New Hampshire
- North Carolina
- North Dakota
As a leading provider, Allstate has agents that are available in all 50 states for those who prefer speaking to an agent in person when managing their policy or claim. Like most leading insurance companies, its claims department is also open 24/7, which means you’ll be able to ask questions about your claim day or night.
Unhelpful sales reps
Allstate scored slightly below the industry average in J.D. Power’s customer satisfaction study, earning an 821 out of 1,000, with the report noting that its sales representatives were overall less helpful than those of its competitors. If you’re having a subpar experience with Allstate’s sales reps, you can always work with a local agent instead, where service is generally more supportive.
More expensive on average than competitors
While insurance rates are highly individualized, you can expect to pay a bit more for Allstate’s coverage. In J.D. Power’s study, one of the major reasons for Allstate’s mediocre customer satisfaction score was that it gave shoppers more expensive quotes on average than other insurers. If you’re looking for the lowest premiums possible, you’ll likely have better luck elsewhere.
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Allstate vs. Nationwide
If you’re concerned by Allstate’s below-average rankings for customer satisfaction during the shopping process, Nationwide provides comparable coverage and discounts with higher satisfaction for prospective customers. It offers rental reimbursement and roadside assistance, plus a few additions that Allstate lacks: Supplemental coverage options include vanishing deductibles, which credit your account with a balance that can be used toward deductible payments for every accident-free year, and gap insurance, which pays for the difference between the value of a damaged car and the amount remaining on its loans. Notably missing from Nationwide’s coverage is rideshare protection, one of Allstate’s standout features, but most drivers will benefit from the insurer’s otherwise robust range of coverage options.
Allstate vs. Progressive
Progressive is a better option for one specific group of people: high-risk drivers. It has a history of insuring drivers other insurers won’t touch, so if you’re having trouble locking down coverage elsewhere, this is a great place to look. For most other drivers, we preferred Allstate’s higher number of supplemental coverage options and superior claims satisfaction scores.
Allstate Auto Insurance FAQ
What do I need to get a quote from Allstate?
You’ll need to provide a combination of personal and vehicle information. You should have your Vehicle Information Number (VIN), mileage, prior insurance carrier and the date it expired, and the date you purchased your car on hand before you start the process.
Does Allstate cover Uber/Lyft drivers?
In general, most personal auto insurance policies won’t cover accidents that occur when the vehicle’s being used for business. However, Allstate has recently created a rideshare coverage add-on for as little as $15 to $20 per year. There’s still a lot of variance in state laws regarding what type of coverage is needed, so be sure to check your state’s specific regulations before committing to a policy.
What are Allstate reward points?
As an Allstate customer, you’re automatically eligible to enroll in its Drivewise program, which gives you rewards points for safe driving. The Drivewise app automatically detects when you’re driving, deducting points for speeds over 80 mph, hard braking, and late-night driving. You get 5,000 points just for enrolling, and you earn more the longer you practice safe driving habits. You can redeem points for gift cards, local offers, and sweepstakes.
The Bottom Line
Allstate outperforms many competing insurance providers when it comes to offering a straightforward claims process, customer satisfaction for estimates and repairs, and additional online tools and resources that help you navigate your policy. The starting rates for most plans with Allstate are higher compared to other providers, but once you get past the purchasing process, Allstate offers dependable protection that can potentially save you big money in the event of an accident.