UPDATED: Sep 14, 2020
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|Current Executives||Tom Wilson -
Chair, President, CEO
Mario Rizzo -
Executive VP, CFO
|Number of Employees||42,900|
|Total Assets (2017)||$112.422 billion|
|HQ Address||2775 Sanders Rd.
|Premiums Written (Auto, 2017)||$21,430,405|
|Best For||Drivers with a clean record|
Allstate is one of the biggest and best-known car insurance companies in the United States and operates across the country. They have a long history and were originally a part of retail giant Sears Roebuck.
Allstate’s logo and “You’re in good hands” slogan have earned them major brand recognition, and they rank as the fourth largest car insurance company by market share in the nation. A lot of Americans do feel they’re in good hands with Allstate, but how can you know if they’re the right choice for your car insurance needs?
We’ll take an in-depth look at Allstate’s history, their policy offerings, and their reputation, as well as where they stand when it comes to premiums.
Read on for everything you need to know about one of the most recognized brands in car insurance.
Insurance companies make all kinds of promises, but company ratings provided by trusted third-party sources can get to the truth. How does Allstate rank? Let’s take a look.
|Better Business Bureau||A+|
|NAIC Complaint Index||1.28|
|JD Power||Claims Satisfaction 3/5
Shopping Study 2/5
AM Best, Moody’s, and Standard & Poors (S&P) ratings all relate to Allstate’s financial stability. High ratings from these sources tell consumers they shouldn’t have any trouble paying their claims. All of Allstate’s financial ratings are good.
The Better Business Bureau, J.D. Power, and Consumer Reports all provide ratings based on multiple areas of consumer satisfaction, including complaints and customer surveys. Each grade is the result of the combined ratings from a variety of factors.
J.D. Power also ranks companies based on regional performance; based on the two national surveys, Allstate is performing below average.
The Consumer Reports score represents an overall score out of 100. Consumer Affairs reviews of Allstate are 81 percent one-star, negative reviews. Geico, is at 40 percent. By comparison, number one auto insurance company State Farm has a 77 percent negative review ratio.
When reading reviews it is a good idea to take into consideration that more people take to the Internet to review an insurance company when they are angry than when all is well, which can skew these numbers.
The NAIC complaint index gives the number of complaints compared to the number of policies the company has in force. Allstate comes in a little above the national average of 1.16.
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Allstate was founded in 1931 by retailer Sears Roebuck, with auto insurance policies sold through direct mail, a method that fell right in line with Sears’ catalog sales approach. The name Allstate came from the brand of tires Sears had been selling since 1925, but it would eventually be better known as an insurance company.
In 1993 Sears sold off part of the company, and Allstate launched its IPO. By 1995 they were officially operating as an independent company. The next year they moved into the internet age with the launch of allstate.com.
Over the years a number of property and casualty products were added to the lineup; in addition to auto insurance, Allstate offers home, business, and specialty vehicle coverage among other products.
Today they’re the largest publicly traded insurance company in the U.S. and rank as the fourth-largest property & casualty insurance company.
In 2017, Allstate ranked at number 79 on the Fortune 500. Other companies under Allstate’s banner are:
- Encompass Insurance Company
- Allstate Fire and Casualty Insurance Company
- Allstate Insurance Company
- Allstate Life Insurance Company
- Allstate Property and Casualty Insurance Company
- Allstate New Jersey Property and Casualty Insurance Company
- Allstate New Jersey Insurance Company
- Allstate Life Insurance Company of New York
- Castle Key Insurance Company
- Castle Key Indemnity Company
- Allstate Texas Lloyd’s
- Allstate County Mutual Insurance Company
- American Heritage Life Insurance Company
- Allstate Insurance Company of Canada
In 2017, Allstate was the fourth largest car insurance company in America, with a market share of 9.26 percent.
That’s a drop out of the third place spot they had previously held with 9.70 percent of the share in 2016 and 10.03 percent in 2015.
Allstate’s steady decline saw them overtaken by Progressive’s steady increase in market share over the same time period. Why? Possible reasons include Progressive’s low rates and modern approach that may appeal to a new generation.
Allstate runs on a captive agent system, which means their products are sold by agents that work exclusively for Allstate.
While Allstate has complete online service for car insurance quoting and purchasing, you will still be assigned to a local agent who will manage your account and may reach out to you occasionally.
Allstate products can also be purchased over the phone; a local agent can help you get coverage without the need to go to the office. Of course, buying your insurance in person from an agent is also an option.
Since the 1950’s Allstate has been using the “You’re in good hands” slogan to advertise their products, and although they have changed the logo somewhat, the slogan remains the same.
Allstate’s commercials have featured spokesperson Dennis Haysbert since 2003. Haysbert was, up until then, probably best known for playing the President of the United States in Fox’s hit drama 24. He’s now better known as the Allstate guy, making promises on Allstate’s behalf with the slogan “That’s Allstate’s stand” and asking “Are you in good hands?”
In 2010 Allstate brought a little humor into their commercials with “Mayhem”, a personification of impending disaster. Actor Dean Winters plays the troublemaking role of the many hazards that can result in the need for an insurance claim.
While Mayhem amuses audiences, Haysbert remains the serious side of Allstate, returning in a new series of commercials that started in 2018.
Allstate gives back to the communities they serve on both a national level and locally.
The Allstate Foundation was created in 1952 and operates several different programs including:
- The Good Starts Young initiative to provide in-school and after-school support to students
- The Purple Purse domestic violence campaign to provide financial independence to victims
- The Nonprofit Leadership Center
- The Helping Hands program for local agents and employees volunteering in their communities
According to the Foundation website, Allstate agents and employees have volunteered more than 1.5 million hours since 2011, and the Good Starts Young program has raised more than $10 million.
Position for the Future
Allstate’s market share has been decreasing over the past few years, likely due to the lower prices available from direct-buy companies like Progressive and Geico.
Their financial ratings remain strong, however, and they have stayed on top of changing trends in the car insurance industry; Allstate is the only major insurance company offering a pay-per-mile service, for example (although it’s not yet available nationwide).
They’ve also got a hand in the direct-buy market through subsidiary Esurance.
Allstate looks like a solid bet to remain one of the top car insurance companies in the nation for the foreseeable future.
Working at Allstate
The average age of Allstate’s employees is 35, with an average tenure of 2.9 years, according to a ranking of Fortune 500 companies done by Payscale, a workplace data collection company.
36 percent of employees surveyed had a high level of job satisfaction, and 58 percent low job satisfaction.
Surveyed employees rated Allstate at a 3.4 out of five in terms of satisfaction, which is the same rating earned by major competitor State Farm.
Over at Glassdoor, Allstate employees rank the company at 3.5 out of five and praise Allstate for a good work/life balance. 75 percent of the employees surveyed have a positive impression of the CEO.
Awards and Accolades
Allstate regularly makes the list of top companies for workplace diversity from several sources. For 2018 they earned the following accolades, among others:
- Human Rights Campaign Best Places to Work for LGBTQ Equality
- Diversity Inc.’s Top 50 Companies for Diversity
- Diversity Best Practices Inclusion Index
Allstate has also been named one of the world’s most ethical companies for five years straight by the Ethisphere Institute.
Products and Services
Although they are known primarily as an auto insurance company, Allstate sells nearly every type of personal lines policy as well as a good range of commercial products. This allows them to cover all the needs of a single individual under one banner, which adds a convenience factor as well as the selling point of multi-policy discounts.
- Auto Insurance – Allstate’s flagship product and the majority of their policy sales, auto insurance policies come with all the standard features as well as a long list of add-ons and discounts. Among the options is the “Your Choice Auto” upgrade options, which gives you several trendy add-ons including “Accident Forgiveness” and “Safe Driving Bonus” for an extra cost. The “Platinum” option comes with the most options, and it costs more as a result.
- Homeowner’s Insurance – Homeowner’s policies from Allstate provide standard structure and personal property coverage. They also write landlord policies, renter’s insurance, and condo insurance, covering a range of home types.
- Motorcycle Insurance – Allstate isn’t well known for motorcycle coverage, mainly because they don’t advertise it as heavily as main competitor Geico. They do in fact write comprehensive policies and offer a list of available discounts and add-ons like New Motorcycle Replacement, similar to what’s available from their auto policies.
- Life Insurance – Several of Allstate’s subsidiaries, depending on where you live, write life insurance in the usual forms: term, whole, and universal.
- Recreational, Off-road, and Boat Insurance – Allstate writes policies for a wide variety of different toys, from RVs to ATVs and including boats, snowmobiles, and more.
- Business Insurance – Among the businesses Allstate covers are retail, service, contractors, medical, and wholesale. They provide a range of coverage including business property, liability, and commercial auto.
- Financial Products – Financial products include annuities, IRAs, mutual funds, and college savings plans provided through several of Allstate’s subsidiaries.
- Supplemental Health Insurance – Although Allstate doesn’t write full health insurance plans, they do offer a variety of products to provide extended coverage. These include disability, critical illness, cancer care, and accident protection.
This incredibly diverse list of coverage makes Allstate a convenient location for one-stop insurance shopping. Multi-policy discounts are one of the most attractive features of large companies with multiple product lines as well, which is a major draw for a lot of insurance shoppers.
Cheap Car Insurance Rates
Allstate’s rates for car insurance vary greatly from state to state as well as based on your driving record, credit history, coverage level, and other factors.
We’ve gathered some rates for comparison.
Rates By State
The data below shows rates for Allstate compared to the average rate in each state.
|State||Average||Allstate Average Annual Premium||Higher/Lower By $||Higher/Lower By %|
|District of Columbia||$4,439.24||$6,468.92||$2,029.68||31.38%|
Allstate’s highest rates based on this data are found in Michigan, where they come in at near 55 percent above average. That’s saying something given the fact that Michigan has the most expensive car insurance premiums in the nation.
The cheapest state to choose Allstate as your insurer is Georgia, where they come in nearly 18 percent below average.
Rates Compared to Other Providers
Here’s a state-by-state look at how Allstate stacks up to nine other top insurance companies in terms of rates.
|State||Average Annual Premiums||Allstate||American Family||Farmers||Geico||Liberty Mutual||Nationwide||Progressive||State Farm||Travelers||USAA|
|Alaska||$3,421.51||$3,145.31||$4,153.07||Data Not Available||$2,879.96||$5,295.55||Data Not Available||$3,062.85||$2,228.12||Data Not Available||$2,454.21|
|Alabama||$3,566.96||$3,311.52||Data Not Available||$4,185.80||$2,866.60||$4,005.48||$2,662.66||$4,450.52||$4,798.15||$3,697.80||$2,124.09|
|Arkansas||$4,124.98||$5,150.03||Data Not Available||$4,257.87||$3,484.63||Data Not Available||$3,861.79||$5,312.09||$2,789.03||$5,973.33||$2,171.06|
|Arizona||$3,770.97||$4,904.10||Data Not Available||$5,000.08||$2,264.71||Data Not Available||$3,496.08||$3,577.50||$4,756.25||$3,084.74||$3,084.29|
|California||$3,688.93||$4,532.96||Data Not Available||$4,998.78||$2,885.65||$3,034.42||$4,653.19||$2,849.67||$4,202.28||$3,349.54||$2,693.87|
|Colorado||$3,876.39||$5,537.17||$3,733.02||$5,290.24||$3,091.69||$2,797.74||$3,739.47||$4,231.92||$3,270.77||Data Not Available||$3,338.87|
|Connecticut||$4,618.92||$5,831.60||Data Not Available||Data Not Available||$3,073.66||$7,282.87||$3,672.34||$4,920.35||$2,976.24||$6,004.29||$3,190.00|
|District of Columbia||$4,439.24||$6,468.92||Data Not Available||Data Not Available||$3,692.81||Data Not Available||$4,848.98||$4,970.26||$4,074.05||Data Not Available||$2,580.44|
|Delaware||$5,986.32||$6,316.06||Data Not Available||Data Not Available||$3,727.29||$18,360.02||$4,330.21||$4,181.83||$4,466.85||$4,182.36||$2,325.98|
|Florida||$4,680.46||$7,440.46||Data Not Available||Data Not Available||$3,783.63||$5,368.15||$4,339.60||$5,583.30||$3,397.67||Data Not Available||$2,850.41|
|Georgia||$4,966.83||$4,210.70||Data Not Available||Data Not Available||$2,977.20||$10,053.44||$6,484.90||$4,499.22||$3,384.88||Data Not Available||$3,157.46|
|Hawaii||$2,555.64||$2,173.49||Data Not Available||$4,763.82||$3,358.86||$3,189.55||$2,551.83||$2,177.93||$1,040.28||Data Not Available||$1,189.35|
|Idaho||$2,979.09||$4,088.76||$3,728.79||$3,168.28||$2,770.68||$2,301.51||$3,032.19||Data Not Available||$1,867.96||$3,226.29||$1,877.61|
|Indiana||$3,414.97||$3,978.81||$3,679.68||$3,437.55||$2,261.07||$5,781.35||Data Not Available||$3,898.00||$2,408.94||$3,393.75||$1,630.86|
|Kentucky||$5,195.40||$7,143.92||Data Not Available||Data Not Available||$4,633.59||$5,930.97||$5,503.23||$5,547.63||$3,354.32||$6,551.68||$2,897.89|
|Louisiana||$5,711.34||$5,998.79||Data Not Available||Data Not Available||$6,154.60||Data Not Available||Data Not Available||$7,471.10||$4,579.12||Data Not Available||$4,353.12|
|Maine||$2,953.28||$3,675.59||Data Not Available||$2,770.15||$2,823.05||$4,331.39||Data Not Available||$3,643.59||$2,198.68||$2,252.97||$1,930.79|
|Maryland||$4,582.70||$5,233.17||Data Not Available||Data Not Available||$3,832.63||$9,297.55||$2,915.69||$4,094.86||$3,960.87||Data Not Available||$2,744.14|
|Massachusetts||$2,678.85||$2,708.53||Data Not Available||Data Not Available||$1,510.17||$4,339.35||Data Not Available||$3,835.11||$1,361.86||$3,537.94||$1,458.99|
|Michigan||$10,498.64||$22,902.59||Data Not Available||$8,503.60||$6,430.11||$20,000.04||$6,327.38||$5,364.55||$12,565.52||$8,773.97||$3,620.00|
|Minnesota||$4,403.25||$4,532.01||$3,521.29||$3,137.45||$3,498.54||$13,563.61||$2,926.49||Data Not Available||$2,066.99||Data Not Available||$2,861.60|
|Missouri||$3,328.93||$4,096.15||$3,286.90||$4,312.19||$2,885.33||$4,518.67||$2,265.35||$3,419.14||$2,692.91||Data Not Available||$2,525.78|
|Mississippi||$3,664.57||$4,942.11||Data Not Available||Data Not Available||$4,087.21||$4,455.94||$2,756.53||$4,308.85||$2,980.48||$3,729.32||$2,056.13|
|Montana||$3,220.84||$4,672.10||Data Not Available||$3,907.55||$3,602.35||$1,326.11||$3,478.26||$4,330.76||$2,417.74||Data Not Available||$2,031.89|
|North Carolina||$3,393.11||$7,190.43||Data Not Available||Data Not Available||$2,936.69||$2,182.71||$2,848.03||$2,382.61||$3,078.65||$3,132.66||Data Not Available|
|North Dakota||$4,165.84||$4,669.31||$3,812.40||$3,092.49||$2,668.24||$12,852.83||$2,560.35||$3,623.06||$2,560.53||Data Not Available||$2,006.80|
|Nebraska||$3,283.68||$3,198.83||$2,215.13||$3,997.29||$3,837.49||$6,241.52||$2,603.94||$3,758.01||$2,438.71||Data Not Available||$2,330.78|
|New Hampshire||$3,151.77||$2,725.01||Data Not Available||Data Not Available||$1,615.02||$8,444.41||$2,491.10||$2,694.45||$2,185.46||Data Not Available||$1,906.96|
|New Jersey||$5,515.21||$5,713.58||Data Not Available||$7,617.00||$2,754.94||$6,766.62||Data Not Available||$3,972.72||$7,527.16||$4,254.49||Data Not Available|
|New Mexico||$3,463.64||$4,200.65||Data Not Available||$4,315.53||$4,458.30||Data Not Available||$3,514.38||$3,119.18||$2,340.66||Data Not Available||$2,296.77|
|New York||$4,289.88||$4,740.97||Data Not Available||Data Not Available||$2,428.24||$6,540.73||$4,012.93||$3,771.15||$4,484.58||$4,578.79||$3,761.69|
|Oklahoma||$4,142.33||$3,718.62||Data Not Available||$4,142.40||$3,437.34||$6,874.62||Data Not Available||$4,832.35||$2,816.80||Data Not Available||$3,174.15|
|Pennsylvania||$4,034.50||$3,984.12||Data Not Available||Data Not Available||$2,605.22||$6,055.20||$2,800.37||$4,451.00||$2,744.23||$7,842.47||$1,793.37|
|Rhode Island||$5,003.36||$4,959.45||Data Not Available||Data Not Available||$5,602.63||$6,184.12||$4,409.63||$5,231.09||$2,406.51||$6,909.45||$4,323.98|
|South Carolina||$3,781.14||$3,903.43||Data Not Available||$4,691.85||$3,178.01||Data Not Available||$3,625.49||$4,573.08||$3,071.34||Data Not Available||$3,424.77|
|South Dakota||$3,982.27||$4,723.72||$4,047.47||$3,768.80||$2,940.29||$7,515.99||$2,737.66||$3,752.81||$2,306.23||Data Not Available||Data Not Available|
|Tennessee||$3,660.89||$4,828.85||Data Not Available||$3,430.07||$3,283.42||$6,206.69||$3,424.96||$3,656.91||$2,639.30||$2,738.52||$2,739.28|
|Texas||$4,043.28||$5,485.44||$4,848.72||Data Not Available||$3,263.28||Data Not Available||$3,867.55||$4,664.69||$2,879.94||Data Not Available||$2,487.89|
|Utah||$3,611.89||$3,566.42||$3,698.77||$3,907.99||$2,965.57||$4,327.76||$2,986.57||$3,830.10||$4,645.83||Data Not Available||$2,491.10|
|Virginia||$2,357.87||$3,386.80||Data Not Available||Data Not Available||$2,061.53||Data Not Available||$2,073.00||$2,498.58||$2,268.95||Data Not Available||$1,858.38|
|Vermont||$3,234.13||$3,190.38||Data Not Available||Data Not Available||$2,195.71||$3,621.08||$2,128.21||$5,217.14||$4,382.84||Data Not Available||$1,903.55|
|Washington||$3,059.32||$3,540.52||$3,713.02||$2,962.00||$2,568.65||$3,994.73||$2,129.84||$3,209.52||$2,499.78||Data Not Available||$2,262.16|
|West Virginia||$2,595.36||$3,820.68||Data Not Available||Data Not Available||$2,120.80||$2,924.39||Data Not Available||Data Not Available||$2,126.32||Data Not Available||$1,984.62|
|Wisconsin||$3,606.06||$4,854.41||$1,513.27||$3,777.49||$3,926.20||$6,758.85||$5,224.99||$3,128.91||$2,387.53||Data Not Available||$2,975.74|
|Wyoming||$3,200.08||$4,373.93||Data Not Available||$3,069.35||$3,496.56||$1,989.36||$3,187.20||$4,401.17||$2,303.55||Data Not Available||$2,779.53|
Rates By Commute
As you can see below, on average Allstate’s rates aren’t that different for a longer commute.
|Commute Type||Allstate Average Rate|
|10-mile, 6,000 miles annually||$4,841.71|
|25-mile, 12,000 miles annually||$4,934.20|
Rates By Coverage Level
A lot of people decide how much coverage to carry based on how much it costs. Below you’ll see rates for three levels of coverage from Allstate. You’ll spend a little over $500 more a year to go from low to high coverage.
|Coverage Level||Average Allstate Rate|
Rates By Credit History
According to Experian, the average credit score in the United State is 675.
Not all states allow the use of credit scores in calculating car insurance rates, but most do. Here’s a look at how Allstate’s rates change based on your credit history.
|Credit History||Allstate Average Rates|
Rates By Driving Record
Your driving record is one of the biggest factors used to calculate rates. A driver will a clean record will always get a better rate than someone with a ticket or an at-fault accident.
We’ve compared average rates from Allstate for four common scenarios. You can see that a DUI is the most expensive of the scenarios, and will cost you quite a bit more than either a speeding ticket or an accident.
|Driving Record||Allstate Average Rate|
|1 Speeding Ticket||$4,483.51|
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Allstate offers a pretty comprehensive auto insurance program, with all of the basics covered as well as plenty of options including money-saving programs.
Types of Coverage
Allstate offers all of the legally-required liability and no-fault insurance coverage in every state. Depending on your state that may include at various minimum coverage levels:
- Bodily Injury Liability
- Property Damage Liability
- Personal Injury Protection (PIP)
- Medical Payments (Med Pay)
- Uninsured/Uniderinsured Motorist Bodily Injury
- Uninsured/Underinsured Motorist Property Damage
In addition to liability coverage, there are quite a few options that you can add to your policy at Allstate.
- Collision Coverage
- Comprehensive Coverage
- Rental Reimbursement
- Roadside Assistance
- Personal Property Protection
- Sound System Coverage
- Personal Umbrella
These coverages will vary by state depending on local laws and coverage requirements.
Allstate offers a discount to customers with more than one type of policy in force.
The auto and home bundle includes homeowners, condo owners, and renter’s insurance discounts.
Allstate also has a bundling discount for customer with both an auto and life insurance policy.
Area of Operation
Allstate is an international company operating in several countries and in all parts of the United States.
They write auto insurance in all 50 states and the District of Columbia.
Beyond the basics, Allstate has a lot of options available, including a variety of trendy new choices. Most, but not all, are available in all states. Allstate’s website doesn’t always make it clear which states are excluded from those not offered everywhere.
Drivewise is Allstate’s usage-based insurance program. In most states, it runs entirely on an app, although some states still use a plug-in device (Alaska, Indiana, and Florida). The program gathers information about driving habits and uses it to calculate a policy discount. Unlike many such programs, Drivewise runs continually, calculating a new discount amount every six months and applying it at renewal.
Allstate Rewards is a rewards program that can be used with or without Drivewise. It runs through the Allstate app and allows drivers to gather points in return for completing activities and challenges. Rewards is an unusual program in that you don’t actually have to be an Allstate customer to use it. Points can be redeemed for gift cards to a variety of retailers.
Milewise is another kind of usage-based program that’s a lot more unusual. It’s a pay-per-mile program, and aside from subsidiary Esurance, Allstate is the only major insurance company to offer it. The program is aimed at low-mileage drivers and charges premiums based on the actual miles driven rather than an overall monthly rate.
Currently, the Milewise program is only offered in a dozen states (DC, DE, ID, IL, IN, MD, NJ, OH, OR, TX, VA, and WA) but the company plans expansion.
Accident Forgiveness is an add-on that is fairly common in the insurance industry after becoming a trend a while back. Allstate’s program promises no rate increase after your first accident, even if the accident was your fault.
New Car Replacement can be added to the policy if the vehicle is two years old or less. This option provides full replacement cost for the vehicle if it’s totaled in an accident, rather than just paying the depreciated value.
Allstate rewards safe drivers with two add-on programs. The Safe Driving Bonus is a cash-back reward given every six months on renewal to drivers who have had no claims in the previous term. Deductible Rewards reduces your collision deductible by $100 just for signing up and then takes off another $100 every year the driver is claim-free, up to $500.
Ride For Hire is Allstate’s rideshare driver program. It provides coverage on top of a personal auto insurance policy for those driving for companies like Uber or Lyft. The terms vary by state and the program is designed to meet the specific state laws for rideshare driver liability.
Allstate TrueCar is a car buying service that assists customers with the purchase of a new vehicle through a network of certified dealers. The program promises price reductions on car purchases both new and used, along with added benefits for buying through TrueCar.
Included at no extra cost with every Allstate policy is their Preferred Repair Services, which connects the insured with a repair shop that’s part of the Good Hands Network.
The system provides help not only with collision repairs but also with mechanical breakdown issues. Online system Openbay allows customers to search for a reputable mechanic nearby and book appointments online.
Allstate is known for having a lot of discount options available on their car insurance programs.
We’ve already mentioned a few of the options, such as bundling and the Drivewise program, but there are plenty more. Here’s a look at the options and how much you can save.
|Discount||Percentage Off (up to)||Details/Requirements|
|New Car||15%||Current model year or one year older|
|Anti-lock Brakes||10%||Vehicles with anti-lock brakes|
|Anti-theft Device||10%||Vehicles equipped with qualifying anti-theft device|
|EZ Pay Plan||5%||Set up automatic withdrawal of premium payments|
|eSmart||10%||Sign up for online policy management|
|Full Pay||10%||Pay full term premium up front|
|Early Signing Discount||10%||Sign policy documents at least seven days before effective date|
|Responsible Payer||5%||No cancellation notices for non-payment in past year|
|Auto and Home||10% off auto|
25% off home
|Have both auto and home in force with Allstate|
|Auto and Life||Not stated||Have both auto and life in force with Allstate|
|Smart Student||35%||Must meet one of these:
-Student under 25 with good grades
-Complete teenSMART program
-Student more than 100 miles away at school
|Safe Driving Bonus Check||5%||Safe Driving Bonus every six months without an accident|
|DriveWise||3% for signing up|
15% (up to) earned cash back rewards
|Must install and use the DriveWise app (plug-in device in some states)|
|55 and Retired||10%||Drivers over age 55 and who are retired|
|Farm Vehicle||10%||For vehicles primarily used in farming activities|
|Green Car||10%||Vehicles qualified as "green"|
|Passive Restraint||30%||Vehicles with factory airbags and seatbelts|
There are a number of sources listing other discounts offered by Allstate, but we weren’t able to confirm them. These include a military discount, discount for switching to Allstate, and affinity discounts for occupations or group membership.
While the site doesn’t list a first responder discount, the auto insurance quoting system does ask if you’re a former or current firefighter, police officer, or EMT – which hints that there may be a discount not advertised.
Perhaps most surprising is the lack of a military discount, since Allstate has received repeated accolades as a military-friendly company.
Notable among Allstate’s discounts are the many options that are really very easy to qualify for, like early signing and responsible payment discounts.
Both auto pay and full payment options can earn you a discount too, which provides multiple ways to pay and still save some money on premiums.
How to Make a Claim
Allstate’s website offers a straightforward and informative claims section that will walk policyholders through the steps. All necessary contact information is readily available, and claims section is easy to locate on the site.
We’ll take a look at the claims options after a quick look at the financial side of Allstate’s claims department.
Premiums Written and Loss Ratios
Data from the NAIC shows that Allstate’s direct premiums written have increased year over year from 2015 through 2017. During that same time period, loss ratios have steadily declined.
A loss ratio quantifies how much an insurance company is paying out in claims compared to how much they’re taking in from premiums.
A loss ratio over 100 percent means the company is paying out more than they’re making, while a loss ratio that’s too low means the company isn’t paying out as much as they should be.
The industry average loss ratio for 2017 was 68.79 percent. Allstate has been consistently paying out claims at a rate lower than the average.
For 2017, they were almost a full ten percent below the national average.
|Allstate Premiums and Loss Ratio||2015||2016||2017|
|Direct Premiums Written||$20,036,973||$20,813,858||$21,430,405|
What does it mean for a policyholder? Allstate may be denying claims or paying out less than they should be on valid claims.
There’s no concern, however, regarding Allstate’s financial stability given the fact that they’re bringing in more in premiums than they’re paying out on claims.
Ease of Making a Claim
Allstate offers a variety of ways to make a claim.
- Since they’re a captive agent company, the first option is to call your insurance agent directly.
- You can also call the 24/7 claims line at 1-800-ALLSTATE to get your claim started.
- If you prefer a more technology-based approach, there are several options. Allstate claims can be filed online two ways; if you have an existing account on the website, you can log in and file the claim from there. If you don’t have an account, there’s an online claims form that can be used without the need to log in.
- Finally, claims can be filed from your smartphone using the Allstate mobile app. This app allows the user not only to file a claim but also to upload photos of the accident scene and damage directly with the QuickFoto claim system.
With multiple options for filing claims, all but one of which that are available 24 hours a day, seven days a week, 365 days a year, making a claim with Allstate should be easy.
Allstate offers a Claim Satisfaction Guarantee. If you’re not satisfied with the claims experience and meet all of the qualification requirements, Allstate will refund you the full six-month term premium of your policy. A letter has to be sent out detailing your complaint within 180 days of the claim payment.
As with most programs, the guarantee isn’t available in all states, but you can see a list of which ones are included here.
How To Get a Quote Online
Allstate puts their online quoting system front and center, right on the main page of the website, so it’s not hard to find.
The first step is to select Auto and enter your zip code. From there, you’ll be asked to enter some basic personal information, starting with your name.
The following screens will ask for your date of birth, gender, and your home address. You’ll also be asked about your spouse, if you have one, and need to enter an email address to continue.
The next steps will ask questions about your vehicles and driving record.
You can enter vehicle information manually, or have the system search records to find vehicles registered to you.
After answering questions about your vehicles, drivers, driving history, and how your cars are used, Allstate will take you to the coverage section.
This section allows you to choose the coverage you want for each vehicle.
In this final step, you will be asked to provide a phone number and agree that it’s ok for an Allstate agent to contact you about your auto quote.
If you don’t want to enter your phone number, you will be directed to contact an agent, and won’t be able to continue or complete the quoting process online.
After entering your phone number and choosing your coverage you will get the quote details, which can be saved and retrieved at any time. The quote will also be sent to you via email.
Here’s a breakdown of what personal information Allstate requires for an online quote.
|Driver's License Number||Not required|
|Social Security Number||Not required|
|Vehicle Identification Number||Not required|
Design of Website/App
Allstate’s website is clean, well organized, and makes it easy to find the information you are seeking. Dropdown menus give quick access to quoting, policy and coverage information, claims information, and a variety of tools and resources.
Aside from all of the information aimed at making you the newest Allstate insured, the website is full of helpful articles and videos aimed at educating visitors about things like insurance options, road safety, and how to save money.
Allstate Insurance is now offering several useful mobile apps. AllstateSM Mobile is the choice for policy holders, but its usefulness can be extended with Digital Locker© to create a home inventory, Drivewise© Mobile to check how safely you are driving and to monitor teen driving, GoodRide© for planning trips and keeping track of maintenance and repairs, plus a dedicated Allstate Motor Club app to request roadside assistance quickly.
– Device Availability
Allstate mobile apps are available as free downloads at Google Play and iTunes.
Allstate Mobile—iPhone, iPod Touch, Android.
Digital Locker—iPhone, iPod Touch, Android, Web.
Drivewise Mobile—iPhone and Android.
GoodRide—iPhone and Android.
Motor Club—iPhone only.
Allstate Mobile is a valuable app for policy holders. You can view your policy and agent information; even email it from within the app. Unlike some apps, Allstate allows a variety of policy types including info on mobile home, boat, and even specialty auto policies.
It offers a checklist of steps if you are involved in an accident, including the ability to record driver and witness information, capture photos on the scene, and begin a claim using Quick Foto ClaimSM.
You can also request emergency roadside service if that is included in your policy (not Motor Club). Those enrolled in Drivewise can also check their performance. One useful feature is a parking locator to find your parked car. And of course, you can always pay your bill.
- Digital Locker — This app allows you to store photos and information on personal property—such as purchase date and price—in a cloud so that it is accessible from both your mobile device and the web.
- Drivewise Mobile — This app is designed to compete with Progressive’s innovative SnapShot program to lower your rate with safe driving. To use it, you must be an Allstate customer enrolled in the Drivewise or Star Driver (teens) program.
- GoodRide — Designed for motorcyclists, this app allows you to plan a ride, log your route, time, and miles plus add comments and photos, share your ride on Facebook and Twitter, and keep a log of repairs and routine maintenance, and for customers, Roadside Assistance service.
Google Play / iTunes / Amazon Reviews
- Allstate Mobile — 3.5 stars for current version on iTunes; 4.2 rating at Google Play. Main complaints include crashes and lost data. The newest version will not work on older Android versions.
- Digital Locker — 2.5 stars on iTunes; 3.7 rating at Google Play. Android users report frequent crashing with latest update. Even with a good phone, the picture quality can be an issue.
- Drivewise — 2.5 stars on iTunes; 3.1 rating at Google Play. Android and iPhone users complain that either the app doesn’t capture data or is always on and the GPS use drains the battery.
- GoodRide — 3.5 stars at iTunes; 3.8 rating at Google Play. Most reviews complain the new update does not sync from start of the ride to the end, so data is often lost, including maintenance records.
- Record witness and driver information after an accident
- Store Photos of personal property with Digital Locker
- Report/ submit a claim
- Complaints of App draining device batteries
- No digital ID card
Allstate Mobile—if you are an Allstate policy holder, there is no reason not to have this app on your phone. Although it can be buggy, it will do a reasonable job of helping you with a potential accident claim, and that is reason enough to have it.
Digital Locker—although policy holders may find this app advantageous, most users will find an app such as Encircle will have great support and better features.
Drivewise—although the app seems to have some problems with data capture and battery use, Allstate does offer a potential 10% discount for using it. On the other hand, if you sign up and the app doesn’t work well, the chance of a discount diminishes.
GoodRide—the idea behind GoodRide is excellent, but the actual execution has been less than sterling. Via Michelin may be a better option. As always, though, Allstate’s developers seem to be making an effort to improve the stability of this app.
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Pros and Cons
What does all of this information add up to? Is Allstate a good choice for your car insurance? Let’s break it down to the pros and cons of Allstate car insurance.
|Lots of discounts that are easy to qualify for||Above average pricing in most states|
|Cutting edge programs like pay-per-mile and rideshare coverage||Not all programs are offered in all states|
|Local agent service plus easy web and mobile access||Online quoting will lead to agent solicitation by phone|
|Solid financial ratings||Consumer satisfaction ratings are below average|
Frequently Asked Questions (FAQ)
We’ve covered a lot in this review but you may still have some questions. We’ve answered some common ones below, and you can visit Allstate’s tools & resources section for more detailed information. Allstate’s FAQ sections are found throughout the website connected to various topics.
Can Using Drivewise Increase My Rates? No, Allstate doesn’t increase rates for drivers using the Drivewise system, regardless of what behaviors the app captures. In some cases, however, the driver might not earn a cashback reward.
Can I Choose My Own Allstate Agent If I Quote Online? Yes. As you move through the quote process, the system will select a local agent for you, but you can simply click on “Choose a different agent” to select someone else.
You can use the Agent Locator button found both at the top and right side of most pages on the website to look for agents in your area.
How Does the Safe Driving Bonus Work? In order to get the safe driving bonus, you will first need to sign up for it, and it’s not available in all states (notably, California where Allstate ran into regulation problems).
As an add-on to your policy, it may well come with an additional premium, although the website doesn’t make that clear.
Allstate sends out a check for up to 5 percent of your premium every six months on renewal as long as you have been accident-free during that time period.
For a list of companies that we recommend, visit our Best Insurance Companies page.