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Allstate Car Insurance

Smart Score

73

Industry Average: 75

Smart Score

73
/100

Industry Average: 75

Customer Service

7.4
/10

Industry Average: 7.7

Claims Process

7.9
/10

Industry Average: 8

Value for Price

6.1
/10

Industry Average: 7

Allstate Overview

The Allstate Corporation is the largest publicly held personal lines property and casualty insurer in America. Allstate offers a broad array of protection products through multiple brands and diverse distribution channels, including auto, home, life and other, which makes it a great choice for customers looking for a “one-stop” company. Even if you are shopping solely for auto insurance, they offer generous perks like accident forgiveness, new car replacement and a safe-driving bonus every six months

Lines of Business:

Allstate Ratings Breakdown

Smart Score

73

Allstate: 73
Industry Average: 75
Allstate: 73
Industry Average: 75

Why our Smart Score matters

Allstate’s Smart Score of 73 was created by combining weighted averages of ratings for customer service, claims process, and value for price from 3rd party sources as well as our own research. We view these as the most important factors since they cover the entire experience of shopping for, maintaining, and making a claim on an insurance policy.


How our Smart Score is calculated

Data comes from customer reviews, officially filed complaints, financial stability data, and other insurance industry rating companies. Combining these metrics and sources provides the most accurate and broad-based analysis of what matters most when considering Allstate’s overall quality compared to other auto insurers. While there is some overlap between our three primary metrics, each has unique characteristics that set them apart from each other.


What does this mean for you?

With a score of 73, Allstate sits near the industry average of 75. While this metric isn’t the be-all and end-all, it’s definitely a good point of reference when comparing auto insurance options.

Customer Service

7.4

Allstate: 7.4
Industry Average: 7.7
Allstate: 7.4
Industry Average: 7.7

Our customer service score measures two primary things: user satisfaction when interacting with Allstate’s representatives, and their experience with online tools like quoting and managing a policy via website or app. Allstate’s customer service score comes from a variety of places. These include user reviews on Honest Policy, as well as other analytics companies such as JD Power, Insure.com, and Consumer Reports.


What does this mean for you?

As you can see from Allstate’s service score of 7.4, they have a weak rating compared to similar auto insurance companies, which clock in at an average of 7.7.


The ratings between sources are pretty consistent. Calculating with the given range and number of sources reporting, we’re almost certain the true score lies between 6.6 and 8.2. With those narrow bounds, we’re confident about the accuracy of their 7.4 rating.

Claims Process

7.9

Allstate: 7.9
Industry Average: 8
Allstate: 7.9
Industry Average: 8

Our claims process score looks at users' experiences when filing claims with Allstate. It takes into account not only claim outcomes, but also the ease of making and tracking a claim, as well as how fast Allstate handles it.


Allstate’s claim score is derived from various sources. These include reviews from Honest Policy users, and outside sources including Consumer Reports, Insure.com and JD Power. We round off our calculation with official complaints filed with the National Association of Insurance Commissioners (which primarily are claim related). These complaints are weighted against the size of each company to ensure an apples-to-apples comparison. This gives our claim score the most complete picture of what to expect when filing a claim with Allstate.


What does this mean for you?

Evident from a claims score of 7.9, Allstate has a reasonable rating compared to the average claim score of 8 for similar auto insurance companies.


The ratings between sources are pretty consistent. Calculating with the given range and number of sources reporting, we’re almost certain the true score lies between 7.1 and 8.7. With those narrow bounds, we’re confident about the accuracy of their 7.9 rating.

Value for Price

6.1

Allstate: 6.1
Industry Average: 7
Allstate: 6.1
Industry Average: 7

Allstate’s value score measures customer satisfaction when considering how much they pay versus the quality of their experience when dealing with the company.


How Allstate comes up with the price of a policy varies by state, and relates to a number of different factors. Some of these include driving record, how much you use your car, location, age, gender, and the car you drive. While price is a critical factor for most insurance customers, what they get for that money is even more important. As with our other scores, this rating comes from a variety of sources: Honest Policy, JD Power, Insure.com, Clearsurance, and Consumer Reports.


What does this mean for you?

Allstate’s value for price score of 6.1 is not great compared to the average of 7 from other auto insurance companies.

The ratings between sources vary a lot. Calculating with the given range and number of sources reporting, we’re almost certain the true score lies between 4.6 and 7.6. With those wide bounds, we’re only mildly confident about the accuracy of their rating.

Allstate Auto Official Complaints

Official Complaints

Better than average

Tracks how many more or less official complaints Allstate has than average. With an index of 0.86 Allstate is better than average.


The complaint index comes from two variables for each year and type of insurance.

  • The percentage of how many complaints Allstate has filed against them with the National Association of Insurance Commissioners (NAIC) compared to the total number of complaints filed with every company.

  • The percentage of how much insurance business (total policy premiums) Allstate has compared to the total amount of business of all the other companies.

By weighting complaints and business against their totals, and then dividing share of compliants by share of the market, we get the index value. With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 0.86 Allstate is better than average.

Customer Reviews

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100%

of customers would reccomend this company to a friend

37 customer reviews

Jeeho Nam

Auto Customer

I had to file a claim with AllState after I was involved in a front end collision. The accident was my fault, and I called their help line right away. The representative was understanding and offered good customer service, but the coverage in my plan was not good.

Price Value: 2.5

Claim Satisfaction: 2

Customer Service: 3

Recommend: yes

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Rudy B

Auto Customer

My son who is on our policy was hit by another car that went through a red light. I called my insurance company, gave them whatever information they needed and they said they will handle all of it from there. They then said to take the car to an auto repair and have them file the clam with them. We did that and everything worked out fine.

Price Value: 3.5

Claim Satisfaction: 4

Customer Service: 4

Recommend: yes

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Rhonda King

Auto Customer

I have been with Allstate for over 30 years. They are knowlegable and have great customer service. i had a minor claim and it was handled perfectly. I can always reach someone on the phone and they are very courteous. I have never had any problems with billing. They give you discounts for various things too

Price Value: 4.5

Claim Satisfaction: 5

Customer Service: 5

Recommend: yes

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Rosetta Jeffries

Auto Customer

I have had the same insurance company for at least 40 years. I am very satisfied with them and Thank God have not had to really use them for any major situation. My husband had to use them for a minor fender bender and they were right on it with the information he needed and very pleasant and assuring. Also when calling for information or copies of something I needed they were always pleasant and got me the information I requested right away. I am very pleased with my insurance company.

Price Value: 5

Claim Satisfaction: 5

Customer Service: 5

Recommend: yes

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Otto T

Auto Customer

I have been with my insurer for over 20 years. The pricing and bundling are always better than the competition. I've had no issues with customer service and have always had an easy experience communicating with the company. All in all I am a satisfied customer.

Price Value: 4.5

Claim Satisfaction: 3

Customer Service: 4

Recommend: yes

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HonestPolicy User

Auto Customer

Allstate answers quickly to any questions I have. The only problem I have is that the rates go up every year.

Price Value: -

Claim Satisfaction: n/a

Customer Service: -

Recommend: yes

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Allstate Coverage Options

When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Allstate

Available OptionsWhat it meansSee something wrong?
Loss of Use Coverage

Covers any additional living expenses, meaning any necessary expense that exceeds what you normally spend.

Mechanical Breakdown Insurance

Covers failure of major vehicular systems, like your engine and transmission. It's similar to an extended warranty from a car manufacturer, but it provides coverage for more systems.

Roadside Assistance

Usually covers towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.

Rental Reimbursement

Helps you pay for transportation expenses, such as a rental car or public transportation fare, while your own vehicle is being repaired after a covered insurance claim.

Antique or Collector Car Insurance

Special insurance for antique and collectors cars.

No Fault Coverage

Insurance that pays no matter who was responsible for the incident causing the claim.

New Car Replacement Coverage

Pays the value of a brand new car of the same make and model of the your car if your car is declared a total loss.

Allstate availability in these states

Allstate Auto Discounts

While all companies offer a range of car insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.

What does this mean?

Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe Allstate has below in order to hlep determine which ones may fit your profile (though keep in mind that they can vary by state).

Available OptionsWhat it meansSee something wrong?
Good Driver

Typically relates to a driver's history (or lack thereof) of accidents and violations. Often has a 3 to 5 year lookback period.

Passive Restraint

Applies to vehicles with safety features such as automatic braking systems (ABS), airbags, or automatic seatbelts.

Anti Theft Device

This discount is for cars with alarms, and other theft deterrents. It typically only applies to comprehensive coverage however.

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How does Allstate compare to other insurance companies? Click the following links below to compare Allstate to other top insurance companies.

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