Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.
Lisa McArdle is an insurance editor who joined the Bankrate team in 2023. She has more than 15 years of experience writing, editing and managing content in a variety of industries, including insurance, auto news and pop culture.
Lisa McArdle is an insurance editor who joined the Bankrate team in 2023. She has more than 15 years of experience writing, editing and managing content in a variety of industries, including insurance, auto news and pop culture.
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict,this post may contain references to products from our partners. Here's an explanation of.Our content is backed byCoverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our.
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At a glance
BEST HOME INSURANCE COMPANY OVERALL (TIE)
4.1
Rating: 4.1 stars out of 5
Bankrate Score
Score breakdown
Auto
Rating: 3.9 stars out of 5
3.9
Cost & ratings
Rating: 3.8 stars out of 5
3.8
Coverage
Rating: 4 stars out of 5
4.0
Support
Rating: 4 stars out of 5
4.0
Home
Rating: 4.2 stars out of 5
4.2
Cost & ratings
Rating: 3.8 stars out of 5
3.8
Coverage
Rating: 5 stars out of 5
5.0
Support
Rating: 4 stars out of 5
4.0
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
About Bankrate Score
Bankrate's take
Tied for a 2024 Bankrate Award for Best Homeowners Insurance Company Overall, Allstate offers home, auto and life insurance for those who want the convenience of a single carrier for all their insurance needs.
Who Allstate may be good for: With its diverse selection of coverage options, Allstate may be a strong option for those who find it easier to manage multiple policies by purchasing them from one company.
Who Allstate may not be good for: Allstate’s lackluster J.D. Power scores for auto insurance and pricey average rates for full coverage may deter potential customers.
Avg. annual auto insurance premium for full coverage: $2,630
Avg. annual auto insurance premium for min coverage: $545
Avg. annual home insurance premium for $250k dwelling coverage: $1,340
Payment address: Allstate Payments, 1501 N Plano Rd, Suite 100, Richardson, TX 75081
State availability: Allstate car insurance is available in all states and Washington, D.C. Allstate home insurance is available in all states (plus D.C.) except California.
Answer a few questions to see personalized rates from top carriers
New
What’s new with Allstate?
Allstate steadilyincreased auto rates throughout 2023 as part of a “comprehensive plan to increase profitability,” per a statement from the company. Additionally, Allstate stopped writing newhome and condominium insurance policies in California. California homeowners with active Allstate home insurance were not dropped, but the insurer stated that “wildfires, higher costs for repairing homes and higher reinsurance premiums” motivated the choice to limit new business.
Allstate car insurance
In our Allstate insurance review, Allstate car insurance received a Bankrate Score of 3.9 out of 5.0 possible points. To find thebest car insurance companies, our editorial team evaluated how well the auto insurance companies performed in a variety of categories, including policy options, discounts and third-party ratings from Standard & Poor’s,AM Best andJ.D. Power, as well as mobile app accessibility and other attributes.
To complement standard coverage and provide greater financial protection, drivers could consider adding rental reimbursement. Drivers may even considerclassic car insurance orrideshare insurance if they drive a vehicle that requires more tailored coverage.
Allstate’sDeductible Rewards program awards $100 off the collision deductible for every year of safe driving, up to $500. Allstate’s Safe Driving Bonus also allows drivers to earn cash back or credit to their car insurance policy for every six months without an accident. For those who want to be rewarded further for safe driving, Allstate offersDrivewise, a usage-based telematics program that provides savings for good driving habits and awards points for passing safe driving challenges.
Pros and cons of Allstate car insurance
When requestingcar insurance quotes, comparing carriers is easier when you understand what policy options, discounts and other features are offered for the estimated premium. Here are some pros and cons of Allstate car insurance:
Pros
Multiple reward options, such as Deductible Rewards and Drivewise, for driving safely, though availability may vary by state laws
Strong mobile and online tools for easy claims and policy support
Driving training program available tailored for teens to reduce accident risk
Cons
Scored below average in a majority of regions based on J.D. Power’s 2023 U.S. Auto Insurance Study
Few additional coverage options
Some policy and coverage options may be limited by state availability
Allstate car insurance cost
The average cost of Allstate car insurance is $2,977 per year for a full coverage policy and $796 per year for minimum coverage, according to Bankrate’s study of May 2024 premium data obtained from Quadrant Information Services.
Compared to the nationalaverage cost of car insurance, which is $2,299 per year for full coverage, Allstate’s average rates are 29 percent more. However, keep in mind that rates are influenced by several personalrating factors. The averages below are most useful for comparison purposes.
Allstate car insurance rates by driving history
Driving history plays an important role in determining car insurance rates. Drivers with a clean driving record — with no history of at-fault accidents or moving violations — typically have lower rates compared to those who have a mark on their driving record. To understand the variance in premiums between different driving histories, we’ve analyzed car insurance rates based on different driving infractions.
A major violation, like a DUI, typically results in the most expensive insurance surcharges. But keep in mind that not all car insurance companies will write policies for drivers with DUI convictions. Below is a table of car insurance rates comparing Allstate’s average full coverage premiums to the national average based on driving history.
Car insurance companies also consider adriver’s age when determining rates in most states. On average, older drivers with more years of driving experience pay lower rates compared to young drivers who have just started driving. The rates below show average car insurance premiums by age and are based on drivers with a clean driving record. We also show the difference between rates for young drivers on their parents’ policy versus their own policy.
Average cost of car insurance for drivers on their parents’ policy
Lowering your car insurance premium could be achieved by comparing multiple insurers to find the best rate for your current circumstances, keeping your driving record clean and/or taking advantage of discounts. Allstate offers a healthy selection of discounts, many of them linked to how you choose to pay your premium. Some of Allstate’s less common discount opportunities include:
If your vehicle has anti-lock brakes, you could earn a discount on your insurance.
Having an anti-theft device in your car might help you save money on your insurance.
Opting for automatic payments may help lower your premium.
Allstate offers a paperless electronic policy that might shave some money off your premium.
Allstate may reward customers who pay in full at the beginning of their policy term with a discount.
With Allstate, it might pay to pay on time. If you have not received a non-payment notice or cancellation for non-payment in the past year, you may qualify for the responsible payer discount.
Get personalized auto insurance quotes
Answering a few quick questions to check your availability with Allstate
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available instates where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Allstate home insurance
Allstate home insurance may be a good option for homeowners who appreciate local agents and want a variety of add-on home insurance options to tailor a policy to their needs. In 2024, Allstate was a Bankrate Awards winner, tied with USAA for the Best Home Insurance Company Overall. Additionally, the company earned a Bankrate score of 4.2 out of 5.0.
On top of standard home insurance coverage like dwelling, personal property, loss of use and liability, Allstate customers may include coverage for water backups, sports equipment, electronic data recovery and even business items stored at home. Those who partake inhome-sharing could purchase Allstate HostAdvantage, as well, which offers extra protection for personal belongings stolen or damaged by renters.
For new customers who are also claims-free,Allstate offers a discount and a Claim-Free Bonus, which gives a 5 percent rebate on the renewal premium every year there is no claim. However, homeowners worried about a potential future claim have an additional solution in Allstate’s Claim Rateguard, which can be purchased to prevent a premium increase due to filing a single claim over a five-year period.
BEST HOME INSURANCE COMPANY (TIE)
Why Allstate won
Allstate was one of Bankrate’s picks for Best Home Insurance Company Overall after careful analysis of dozens of home insurance carriers. Its near-nationwide availability, as well as its array of coverage options, 24/7 customer service, local agencies and robust mobile app, make it easy for homeowners to build a home insurance plan to protect one of their biggest assets.
To find the best overall home insurance companies, we started by analyzing metrics that we felt most impact customer experience. These included average rates from Quadrant Information Services as well as third-party scores and ratings from J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC), Standard & Poor’s (S&P) and Moody’s. We know that every homeowner has different needs, so we next reviewed coverage options and discounts. Lastly, we reviewed each insurer’s local agency availability, digital tools, corporate sustainability and giveback programs and national availability (which we define as being available in at least 48 states, since many insurers do not operate in Alaska or Hawaii).
We strive to help homeowners understand how to choose the best company, and to that end, we chose to feature two insurers as the best — USAA and Allstate — based on their ratings in our scoring model. While our Bankrate Awards can be a good guide, every insurance company has its own operating guidelines, so the best way to find out if a carrier is right for you is to get a quote.
Pros and cons of Allstate home insurance
When shopping for the best homeowners insurance, comparinghome insurance quotes may be more worthwhile when you understand the coverage and service you’re getting. Here’s a quick summary of Allstate home insurance to help you compare with other carriers:
Pros
Scored slightly below the segment average in the 2023 J.D. Power U.S. Home Insurance Study for customer satisfaction
Numerous discount opportunities to help you save
Customer service available 24/7
Cons
Scored below segment average in the 2022 J.D. Power U.S. Home Insurance Study for customer satisfaction
All endorsements may not be available in all states
Not writing new home and condo policies in California
Allstate home insurance cost
At $1,917 per year for $300,000 in dwelling coverage, Allstate’s home insurance costs slightly below the nationalaverage cost of homeowners insurance. On average, most U.S. homeowners pay around $2,153 per year for the same amount of dwelling coverage, but if you’re looking forcheap home insurance, comparing rates from more than one carrier can help.
Dwelling coverage limit
Allstate average premium
National average premium
$150K dwelling
Allstate average premium
$1,309
National average premium
$1,293
$300K dwelling
Allstate average premium
$1,917
National average premium
$2,153
$350K dwelling
Allstate average premium
$2,151
National average premium
$2,447
$450K dwelling
Allstate average premium
$2,410
National average premium
$3,034
$750K dwelling
Allstate average premium
$3,424
National average premium
$4,758
Home insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.
Like the discounts of many of thebest homeowners insurance companies, Allstate’s home insurancediscounts could help policyholders save significantly on their premiums. Some discounts available from Allstate include:
You could earn this discount if you recently purchased a home or the home you bought is newly constructed.
You might earn as much as 10 percent off your rate if your current homeowners insurance policy is within a week of expiring.
If you switch to Allstate without having a recent home insurance claim, you could save up to 20 percent off your premium.
Setting up automatic payments for your Allstate policy isn't just convenient — it can also save you up to 5 percent on your premium.
No longer satisfied with your current home insurance provider? Switching away from your current provider and over to Allstate may allow you to save up to 10 percent on your premium. Additionally, as long as you remain with Allstate, you'll continue to save every following year.
Prioritizing responsible payments can pay off. Keeping up a consistent history of on-time payments will likely help you lower your overall home insurance premium costs.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with Allstate
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available instates where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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Allstate life insurance
Allstate life insurance can help provide financial security for a variety of needs, including college tuition, taking care of future generations and covering outstanding debts. Allstate’sterm life insurance policies are underwritten by Direct General and are available in 19 states: Alabama, Arizona, Delaware, Georgia, Illinois, Indiana, Louisiana, Maryland, Massachusetts, Missouri, Nebraska, New Jersey, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Washington and Wisconsin. Term life insurance policies through Allstate are available for 10 to 40 years, depending on your coverage choice, and do not build cash value that policy owners can leverage during their lifetime.
For customers in the remaining 31 states and Washington D.C., Allstate’s broad network of insurance agents sells othertypes of life insurance (such aspermanent life insurance) on behalf of otherlife insurance companies like John Hancock, Lincoln Financial and Protective Life. While policies for these companies can be purchased via an Allstate agent, they may not be managed by Allstate. For instance, if you purchase a Lincoln Financial whole life insurance policy from Allstate, Lincoln Financial will manage your specific policy.
J.D. Power didn’t include Allstate in its 2023U.S. Individual Life Insurance Study. However, John Hancock received a customer satisfaction rating of 782 out of 1,000, while Lincoln Financial earned 788 points and Protective Life earned 768 points. For reference, the study average was 790 out of 1,000 for individual life insurance products.
Pros and cons of Allstate life insurance
Understanding life insurance can be a complicated process, but don’t forget to review companies too when obtaininglife insurance quotes. Here’s a quick summary of Allstate’s life coverage:
Pros
Term life coverage terms can span from 10 to 40 years
Online quotes process
Educational life insurance content on its website
Cons
Medical exam may be required for some policy types
May need to speak to a live agent before finalizing policy
Permanent policies are not managed by Allstate directly
Allstate life insurance endorsements
While Allstate does not list the specific endorsements available for its life insurance policies, an Allstate agent can help you with understanding what policy options are available and recommending what may be best for your personal and financial goals.
Compare life insurance providers quickly and easily
See which provider is right for you.
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Please select age
The amount of coverage you need depends on many factors, including your age, income, mortgage and other debts and anticipated funeral expenses.
Please select Coverage amount
Whole life insurance combines life insurance with an investment component.
Coverage for life
Tax-deferred savings benefit if premiums are paid
3 variations of permanent insurance: whole life, universal life and variable life include investment component
Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.
Fixed premium over term
No savings benefits
Outliving policy or policy cancellation results in no money back
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available instates where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
While Allstate has several useful offerings, the company may not be the right fit for each person. It may be helpful to compare Allstate to other national insurers, a few of which are listed here:
Featured
Allstate
Rating: 4.1 stars out of 5
4.1
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate identified key carrier features, coverage offerings, discounts and more
Tied for a 2024 Bankrate Award for Best Homeowners Insurance Company Overall, Allstate offers home, auto and life insurance for those who want the convenience of a single carrier for all their insurance needs.
AAA is another large insurance carrier offering affordable home and auto insurance options as well as membership perks. Those who like convenience may also appreciate that some of AAA’s offices also offer services like DMV transactions, notary services and travel planning.
Depending on the characteristics of your home, Safeco could be worth a look, as it offers a robust selection of coverage endorsements for both home and auto insurance. Safeco also offers a highly rated mobile app and online portal for customers who want to manage their policies and claims online.
These features are some of the carrier’s most impressive
Safe driving rewards
Strong mobile and online tools
Teen driving training program
Military on-base discount
MyUSAA Legacy discount
SafePilot telematics program
Claims Free Cash Back program
Guaranteed Repair Network
RightTrack telematics program
AVG FULL COV. AUTO RATE
Average national annual cost of a full coverage auto insurance policy
$2,977
$2,366
No rates available
J.D. POWER AUTO SCORE
J.D. Power’s Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
889/1000
847/1000
865/1000
AVG HOME RATE
Average national annual cost of a home insurance policy with $300K in dwelling coverage
$1,917
$1,813
No rates available
J.D. POWER HOME SCORE
J.D. Power’s Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
809/1000
808/1000
809/1000
AM BEST RATING
AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
A+(Superior)
A(Excellent)
A(Excellent)
Is Allstate a good insurance company?
Headquartered in Northbrook, Illinois, Allstate’s network of over 12,000 exclusive and independent agents provides localized expertise and has helped solidify Allstate as a top insurer for millions of Americans, with more than188 million policies for home, auto, life and other insurance products. Customers who want to have all their insurance needs and financial planning managed in a single place may find Allstate to be a solution.
Understanding your insurance needs and building a financial plan can seem complex, but in the course of Bankrate’s Allstate Insurance review, we found the company has many tools to help make the process easier. Customers who want a balance between receiving personalized service from a local insurance agent and the ability to manage their policies online may find Allstate satisfies both these priorities. Although its average premiums for auto insurance may be higher compared to other insurers, its homeowners insurance is fairly competitive. Additionally, the company offers many discount and coverage options to save money on the financial protection you need.
Allstate customer satisfaction
An insurance company’s customer satisfaction may be a priority for you, especially if you want strong customer service. Relying on third-party rating agencies, like J.D. Power, could be useful. J.D. Power conducts annual surveys from existing customers about some of the largest insurance companies in the country. J.D. Power results are ranked on a 1,000-point scale, with a higher score indicating more overall customer satisfaction.
The 2023 J.D. Power Auto Insurance Study was conducted on a regional basis. Allstate ranked above average in California, Florida, New England and New York but ranked below average in the Central, Mid-Atlantic, North Central, Northwest, Southeast and Southwest regions, as well as Texas. Due to the variance by area, it can help to reach out to current policyholders in your area, especially if they’re family or friends, to understand what their experience with Allstate has been like. However, the company ranked above average for claims satisfaction per the latest J.D. Power auto claims study.
J.D. Power Auto Claims Satisfaction Study
While Allstate ranked below average for homeowners insurance satisfaction, it wasn’t far off from the average. Allstate’s homeowners complaint score with the NAIC also helps paint a more positive picture, with a score below the baseline. This means that, on average, Allstate receives fewer complaints for its home insurance than some other companies of comparable size.
J.D. Power Property Claims Satisfaction Study
Allstate customer complaints
The National Association of Insurance Commissioners (NAIC) tracks customer complaints against insurance companies and makes this information available to the public. It uses a baseline of 1.0 to represent the average number of complaints a company might receive for its size, with scores above the baseline meaning more complaints than average and scores below the baseline meaning less complaints than average.
Allstate's NAIC complaint index for its private passenger product is slightly higher than the industry baseline. However, the complaint trend seems to be remaining fairly consistent over time.
Allstate's NAIC complaint index for home insurance indicates that customers may be more satisfied with the carrier's home coverage than auto coverage. However, historical data indicates that the company did see an above-average number of complaints against its home product in 2020.
Allstate’s diverse product offerings give customers an opportunity to have all of their insurance and financial needs met in a single place. These perks include:
Investment planning: Allstate’s financial representatives can also assist with 529 college savings plans, annuities, mutual funds, individual retirement accounts (IRAs) and workplace retirement plans. Allstate partners with several third parties — including American Funds, Franklin Templeton Investments, Fidelity, Equitable, Prudential, Protective and Lincoln Financial Group — to offer customers annuities, mutual funds and individual retirement accounts (IRAs).
Renters insurance: Renters can use this policy to help insure their belongings and provide liability and loss-of-use coverage.
Condominium insurance: This policy is specifically for condo unit owners who need coverage for the interior of their unit and their belongings. This policy also provides liability and loss-of-use coverage.
Landlord insurance: Allstate’s landlord policy can help keep you financially protected if you rent out property.
Identity theft insurance: Allstate identity theft insurance can alert you if your data is breached and help you with the next steps.
Umbrella insurance: For an added layer of liability protection, Allstate sells personal umbrella policies.
Pet insurance: For a monthly rate that is usually less than $50, you can keep your beloved pet's health insurance covered by Allstate. Your policy will cover a wide range of needs, from sudden accidents to genetic conditions.
Motorcycle insurance: If you get around by motorcycle, you may want to consider having proper insurance — both for your own safety and that of your bike.
ATV/off-road insurance: Allstate may be able to insure an ATV or other off-road vehicle — including snowmobiles.
Boat insurance: Whether your craft is a fishing boat, powerboat, sailboat or pontoon, Allstate boat insurance keeps you covered.
RV insurance: This insurance is available for motorized and towable recreational vehicles. A few examples of non-motorized RVs that may be covered by this insurance include camper trailers, conventional travel trailers, truck campers, fifth-wheel travel trailers and horse trailers.
Phone protection: Whether it’s a cracked screen, busted battery or waterlogged phone, Allstate’s phone protection plan can be purchased regardless of your primary cell carrier.
Event insurance: If you’re hosting a large party at your home, purchasing event insurance may give you extra liability coverage and reimburse you if you lose deposits due to an unforeseen event.
Travel insurance: Allstate’s travel insurance even covers COVID-related occurrences, like positive tests and delays due to quarantine guidelines, as well as bad weather, medical emergencies or lost luggage.
Roadside assistance: If you worry about popping a tire or an unexpected engine malfunction, you can add roadside assistance to your Allstate car insurance policy.
Good Life: Allstate partners with TrueCar, Rategenius, AutoZone, Valvoline and Sirius XM to help give its customers discounted rates on services and products.
HomeAdvisor: With Allstate, customers could receive a free one-year subscription to Home Concierge by HomeAdvisor. This service can connect homeowners with professionals who can help with anything from gardening to landscaping to installing and repairing roofing, appliances, faucets and pipes, as well as services such as electrical work.
Digital Locker mobile app: This allows Allstate policyholders to take inventory of their personal belongings.
GoodHome: GoodHome is a tool that collects information about nearby home claims, weather forecasts and public records for homeowners to reference.
LifeTrek: LifeTrek may help you calculate how much life insurance you need and the right kind of policy for you.
My Money: This online tool can help with building a financial plan and investing and can even get you in touch with a financial consultant.
Frequently asked questions about Allstate
Filing a claim with Allstate can be doneonline or through the mobile app. Those who want to speak to a live agent can call 1-800-ALLSTATE (1-800-255-7828) 24 hours a day, 7 days a week or theirlocal insurance agent during normal business hours.
The Allstate Foundation supports a variety of causes, including diversity and inclusion efforts. These efforts focus on inclusive hiring by partnering with organizations like the Society of Women Engineers, Recruit Military and the National Association of Black Accountants. Allstate also focuses on youth empowerment and relationship violence prevention, recentlyinvesting $4 million in programs that advance these causes.
In partnership with Northwestern University Kellogg School of Management, the Allstate Foundation helps further the education of nonprofit leaders. Through theHelping Hands program, Allstate agency owners and employees who volunteer four to 16 hours can earn $500 to $1,000 toward the organization of their choice.
Allstate boasts an A+ (Superior) financial strength rating from AM Best and an above-average J.D. Power rating for auto claims satisfaction. Both of these ratings indicate that Allstate has sufficient financial resources to pay out claims. However, Allstate scored below average in J.D. Power’s 2023 Property Claims Satisfaction study and had a higher-than-average auto insurance complaint score on the NAIC index.
Tonegotiate with a car insurance provider after a total loss, getting a written estimate from a professional body shop or asking for a Certified Collateral Corporation (CCC) report can be helpful. The more evidence you have, the more likely you are to build a strong case.
Although Allstate and State Farm are comparable in many ways, State Farm ranked slightly better forauto andhome claims satisfaction in 2023 per J.D. Power. Whether Allstate is better than State Farm really depends on what you’re looking for in an insurance company. If price is the most important factor, get quotes from both companies to compare. If customer service matters most, you may want to readcompany reviews or speak with current customers. If digital tools are imperative, State Farm bests Allstate in J.D. Power’s 2023 U.S. Insurance Digital Experience Study.
Allstate is more expensive than Geico, on average. Geico's average annual full coverage premium rate is $1,782, while Allstate offers an average rate of $2,977 for full coverage car insurance.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
Methodology
Auto
Bankrate utilizes Quadrant Information Services to analyze May 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female homeowners with a clean claims and incidents history, good credit and the following coverage limits:
$100,000 bodily injury liability per person
$300,000 bodily injury liability per accident
$50,000 property damage liability per accident
$100,000 uninsured motorist bodily injury per person
$300,000 uninsured motorist bodily injury per accident
$500 collision deductible
$500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.
The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.
Homeowners
Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000
The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
Bankrate Scores
Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
5
Rating: 5 stars out of 5
Overall Score
Cost & ratings50%
Coverage & savings30%
Support20%
Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.
Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.
Lisa McArdle is an insurance editor who joined the Bankrate team in 2023. She has more than 15 years of experience writing, editing and managing content in a variety of industries, including insurance, auto news and pop culture.
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