[Review] Allstate Auto Insurance With High Claims Satisfaction Ratings 2023

Allstate Auto Insurance

Allstate auto insurance began in 1931 under the leadership of Robert E. Wood, president of Sears, Roebuck & Co. In 1939, Allstate was the first auto 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 auto insurer in the country.

With a wide range of coverage and a decent set of discounts, Allstate offers reliable coverage backed by positive customer reviews.

Allstate has above-average rankings for claims customer satisfaction, offering a claims satisfaction guarantee in 43 states. Allstate offers multiple ways to file a claim 24/7 and uses local agents, which is becoming rare in the auto insurance industry.

According to YouGov, Allstate is the sixth most popular insurance brand, with 45% of respondents giving the company a positive opinion.

Allstate also received Fortune’s World’s Most Admired Companies award in 2020, and numerous awards have been received in recent years for inclusive diversity and innovation.

In 13 states, Allstate offers pay-as-you-drive insurance and telematics programs, which can lower annual premiums based on mileage and driving habits. Allstate was rated two points below average in the 2020 J.D. Power studies for shopping experience and overall customer satisfaction.

With an above-average claims satisfaction rating, Allstate appears to live up to its Claim Satisfaction Guaranteed, offered in select states.

Allstate Auto Insurance Details

Good

Available in all 50 states. Drivers nationwide (including Florida, Alaska, and Hawaii) can insure their cars with Allstate, but not all of its competitors.

High rates of complaint satisfaction. Allstate scored 876 out of 1,000 in the 2020 J.D. Power Automotive Claims Satisfaction Study, which places it above the industry average and well above other major insurance companies. car insurance like GEICO, Safeco and Liberty Mutual.

Wide range of discounts available. Allstate offers a long list of driver discounts, including savings for paying your policy in full, going paperless, and bundling your car with homeowners insurance or another policy through Allstate.

Unique savings opportunities. Allstate also offers its signature Drivewise program. Participating drivers use an app that tracks their driving behavior and can get money from their safe driving bonuses.

Will insure high risk drivers. In some states, Allstate offers non-standard auto insurance for drivers who are considered “high risk” and who may have difficulty finding coverage from other insurers.

The Bad

Our sample quote was above average. When we ran a sample quote for an average driver through Allstate, we got rates above the national average for auto insurance.

You may need to dig into their discounts in order to get the best deal on your coverage.

Some average consumer ratings. Although Allstate scores well on claims satisfaction, its overall customer ratings are about average with third-party agencies like J.D. Power and Consumer Reports.

How Much you Pay for Car Insurance?

Pay for Car Insurance

How much you pay for car insurance is determined by a number of factors unique to you, such as your address, age, credit score, driving history and vehicle.

Since every driver has a unique background and history, it’s hard to predict what any given driver will pay for car insurance.

That said, we can always look at a sample Allstate auto insurance policy to get an idea of what someone might pay for coverage.

Our sample driver is single, lives in Minnesota, and drives a 2015 Toyota Camry. Allstate quoted him $219 per month for a 6-month policy, or $2,628 total for the year.

That’s higher than the national average of about $99 per month, or $1,189.64 per year, cited by the National Association of Insurance Commissioners (NAIC).

Let’s take a look at the details of the policy:

Basic Coverages	Policy Limits
Bodily injury liability	$50,000 each person, $100,000 each accident
Property damage liability	$50,000 each accident
Personal injury protection	$40,000 each person
Uninsured motorists bodily injury	$50,000 each person, $100,000 each accident
Comprehensive	$1,000 deductible
Collision	$1,000 deductible

(Based on Rates current as of February 2021)

While $219 per month puts our sample driver’s rates well above the average annual cost of car insurance in Minnesota, it’s not necessarily indicative of what everyone will pay with Allstate.

Some drivers may find that Allstate offers them higher rates than their competitors, but others may find Allstate to be a more affordable option, especially if they qualify for multiple discounts.

Here are some of the discounts offered by Allstate:

Discount on anti-theft devices. Save money if you have a car alarm or similar anti-theft device installed in your car.
Discount on multiple policies. Savings for bundling your Allstate auto insurance with another of their offerings, such as home, renter, or motorcycle insurance.
Discount for early signing. Save if you buy your policy a week or more before the start date.
Remittance from Responsible Payor. Savings to track your payments.
Smart student discount. Savings for full-time students who maintain a certain GPA or complete Allstate’s teen driver education program.
New car discount. Save if you are the first owner of a new car.
EZ Payment Plan Discount. Savings to set your monthly payments on automatic withdrawal.
Allstate eSmart discount. Save money to free yourself from paper and receive your insurance documents electronically.
FullPay discount. Save to pay for your entire policy in full at the start of the policy term.
In the direction of driving. Save money for safe driving by letting Allstate track your driving habits with the Drivewise smartphone app.
Deductible Rewards $100 off your deductible, plus $100 each year you are accident free – up to $500

Remember that many of these discounts can change and vary based on driving record, eligibility, location and a variety of other information.

Allstate Auto Insurance Policy Options

When it comes to coverage options, Allstate offers all the basic auto insurance most drivers need, plus a few non-standard options that some drivers may want to consider.

Standard coverage options:

Allstate customers can get the standard coverage every driver should need, including:
Liability insurance. Liability insurance protects you from the financial burden if you damage someone’s property or injure someone with your car. Liability insurance is required in most states.
Protection against bodily injury. Pays for your medical expenses or lost wages if you or your passengers are injured in an accident.
Coverage for uninsured/underinsured motorists. Covers the cost if you are involved in an accident caused by a driver without insurance or whose insurance does not cover the full extent of the damage.
Collision coverage. Covers the costs of damage to your car after an accident, regardless of who was at fault.
Full coverage. Covers the costs of damage to your car that is not caused by a collision, including damage caused by animals, extreme weather conditions, floods, fires, falling objects, theft and vandalism.

Benefits and additional features

In addition to standard coverage, Allstate offers the following options:

Sound system insurance. Additional coverage if your advanced custom audio system is damaged or stolen from your vehicle.
Rent reimbursement coverage. Reimburses you for the cost of a rental car or additional transportation costs if your car is in the store after a covered loss.
Roadside assistance. Covers the types of issues that leave you stuck on the side of the road, like lockouts, dead batteries, and fuel deliveries.
Replacement of a new car. Pays to completely replace your car with a new one as long as your car is two model years or less
Milewise program. A pay-per-mile option with Allstate, this is a type of policy that offers big savings for people who use their car less than average, such as retirees and drivers who work from home and rarely drive.
Other Types of Insurance Offered Allstate may have started as an auto insurance company, but they’ve expanded to offer property insurance coverage for everything from your boat to your smartphone. However, not all insurance products are available in all states, so check with an insurance expert before planning your package.