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| Allstate Overview | Details |
|---|---|
| Year Founded | 1931 |
| 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. Northbrook, IL 60062 |
| Phone Number | 1-877-810-2920 |
| Company Website | www.allstate.com |
| Premiums Written (Auto, 2017) | $21,430,405 |
| Loss Ratio | 59.51% |
| 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.
Allstate Ratings
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.
| Ratings Agency | Rating |
|---|---|
| A.M. Best | A+ |
| Better Business Bureau | A+ |
| Moody's | A3 |
| S&P | AA- |
| NAIC Complaint Index | 1.28 |
| JD Power | Claims Satisfaction 3/5 Shopping Study 2/5 |
| Consumer Reports | 88 |
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.
Company History
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.
– Sales
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.
– Commercials
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.
– Community Service
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
They also repeatedly land on the lists of best companies for women and win military-friendly employer awards from sources like Working Mother Magazine and Military Friendly.
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 % |
|---|---|---|---|---|
| Alaska | $3,421.51 | $3,145.31 | -$276.21 | -8.78% |
| Alabama | $3,566.96 | $3,311.52 | -$255.44 | -7.71% |
| Arkansas | $4,124.98 | $5,150.03 | $1,025.05 | 19.90% |
| Arizona | $3,770.97 | $4,904.10 | $1,133.13 | 23.11% |
| California | $3,688.93 | $4,532.96 | $844.03 | 18.62% |
| Colorado | $3,876.39 | $5,537.17 | $1,660.78 | 29.99% |
| Connecticut | $4,618.92 | $5,831.60 | $1,212.68 | 20.80% |
| District of Columbia | $4,439.24 | $6,468.92 | $2,029.68 | 31.38% |
| Delaware | $5,986.32 | $6,316.06 | $329.74 | 5.22% |
| Florida | $4,680.46 | $7,440.46 | $2,760.00 | 37.09% |
| Georgia | $4,966.83 | $4,210.70 | -$756.13 | -17.96% |
| Hawaii | $2,555.64 | $2,173.49 | -$382.15 | -17.58% |
| Iowa | $2,981.28 | $2,965.86 | -$15.42 | -0.52% |
| Idaho | $2,979.09 | $4,088.76 | $1,109.67 | 27.14% |
| Illinois | $3,305.48 | $5,204.41 | $1,898.93 | 36.49% |
| Indiana | $3,414.97 | $3,978.81 | $563.84 | 14.17% |
| Kansas | $3,279.62 | $4,010.23 | $730.61 | 18.22% |
| Kentucky | $5,195.40 | $7,143.92 | $1,948.52 | 27.28% |
| Louisiana | $5,711.34 | $5,998.79 | $287.45 | 4.79% |
| Maine | $2,953.28 | $3,675.59 | $722.31 | 19.65% |
| Maryland | $4,582.70 | $5,233.17 | $650.47 | 12.43% |
| Massachusetts | $2,678.85 | $2,708.53 | $29.68 | 1.10% |
| Michigan | $10,498.64 | $22,902.59 | $12,403.95 | 54.16% |
| Minnesota | $4,403.25 | $4,532.01 | $128.76 | 2.84% |
| Missouri | $3,328.93 | $4,096.15 | $767.22 | 18.73% |
| Mississippi | $3,664.57 | $4,942.11 | $1,277.54 | 25.85% |
| Montana | $3,220.84 | $4,672.10 | $1,451.26 | 31.06% |
| North Carolina | $3,393.11 | $7,190.43 | $3,797.32 | 52.81% |
| North Dakota | $4,165.84 | $4,669.31 | $503.47 | 10.78% |
| Nebraska | $3,283.68 | $3,198.83 | -$84.85 | -2.65% |
| New Hampshire | $3,151.77 | $2,725.01 | -$426.77 | -15.66% |
| New Jersey | $5,515.21 | $5,713.58 | $198.36 | 3.47% |
| New Mexico | $3,463.64 | $4,200.65 | $737.01 | 17.55% |
| Nevada | $4,861.70 | $5,371.62 | $509.92 | 9.49% |
| New York | $4,289.88 | $4,740.97 | $451.08 | 9.51% |
| Ohio | $2,709.71 | $3,197.22 | $487.51 | 15.25% |
| Oklahoma | $4,142.33 | $3,718.62 | -$423.70 | -11.39% |
| Oregon | $3,467.77 | $4,765.95 | $1,298.18 | 27.24% |
| Pennsylvania | $4,034.50 | $3,984.12 | -$50.38 | -1.26% |
| Rhode Island | $5,003.36 | $4,959.45 | -$43.91 | -0.89% |
| South Carolina | $3,781.14 | $3,903.43 | $122.29 | 3.13% |
| South Dakota | $3,982.27 | $4,723.72 | $741.45 | 15.70% |
| Tennessee | $3,660.89 | $4,828.85 | $1,167.96 | 24.19% |
| Texas | $4,043.28 | $5,485.44 | $1,442.16 | 26.29% |
| Utah | $3,611.89 | $3,566.42 | -$45.47 | -1.27% |
| Virginia | $2,357.87 | $3,386.80 | $1,028.93 | 30.38% |
| Vermont | $3,234.13 | $3,190.38 | -$43.75 | -1.37% |
| Washington | $3,059.32 | $3,540.52 | $481.20 | 13.59% |
| West Virginia | $2,595.36 | $3,820.68 | $1,225.32 | 32.07% |
| Wisconsin | $3,606.06 | $4,854.41 | $1,248.35 | 25.72% |
| Wyoming | $3,200.08 | $4,373.93 | $1,173.85 | 26.84% |
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 | ALLSTATE | AMERICAN FAMILY | FARMERS | GEICO | LIBERTY MUTUAL | NATIONWIDE | PROGRESSIVE | STATE FARM | TRAVELERS | USAA |
|---|---|---|---|---|---|---|---|---|---|---|
| Alaska | $3,145.31 | $4,153.07 | NA in State | $2,879.96 | $5,295.55 | NA in State | $3,062.85 | $2,228.12 | NA in State | $2,454.21 |
| Alabama | $3,311.52 | NA in State | $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 | $5,150.03 | NA in State | $4,257.87 | $3,484.63 | NA in State | $3,861.79 | $5,312.09 | $2,789.03 | $5,973.33 | $2,171.06 |
| Arizona | $4,904.10 | NA in State | $5,000.08 | $2,264.71 | NA in State | $3,496.08 | $3,577.50 | $4,756.25 | $3,084.74 | $3,084.29 |
| California | $4,532.96 | NA in State | $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 | $5,537.17 | $3,733.02 | $5,290.24 | $3,091.69 | $2,797.74 | $3,739.47 | $4,231.92 | $3,270.77 | NA in State | $3,338.87 |
| Connecticut | $5,831.60 | NA in State | NA in State | $3,073.66 | $7,282.87 | $3,672.34 | $4,920.35 | $2,976.24 | $6,004.29 | $3,190.00 |
| District of Columbia | $6,468.92 | NA in State | NA in State | $3,692.81 | NA in State | $4,848.98 | $4,970.26 | $4,074.05 | NA in State | $2,580.44 |
| Delaware | $6,316.06 | NA in State | NA in State | $3,727.29 | $18,360.02 | $4,330.21 | $4,181.83 | $4,466.85 | $4,182.36 | $2,325.98 |
| Florida | $7,440.46 | NA in State | NA in State | $3,783.63 | $5,368.15 | $4,339.60 | $5,583.30 | $3,397.67 | NA in State | $2,850.41 |
| Georgia | $4,210.70 | NA in State | NA in State | $2,977.20 | $10,053.44 | $6,484.90 | $4,499.22 | $3,384.88 | NA in State | $3,157.46 |
| Hawaii | $2,173.49 | NA in State | $4,763.82 | $3,358.86 | $3,189.55 | $2,551.83 | $2,177.93 | $1,040.28 | NA in State | $1,189.35 |
| Iowa | $2,965.86 | $3,021.81 | $2,435.72 | $2,296.16 | $4,415.28 | $2,735.44 | $2,395.50 | $2,224.51 | $5,429.38 | $1,852.57 |
| Idaho | $4,088.76 | $3,728.79 | $3,168.28 | $2,770.68 | $2,301.51 | $3,032.19 | NA in State | $1,867.96 | $3,226.29 | $1,877.61 |
| Illinois | $5,204.41 | $3,815.31 | $4,605.20 | $2,779.16 | $2,277.65 | $2,711.81 | $3,536.65 | $2,344.88 | $2,499.76 | $2,770.21 |
| Indiana | $3,978.81 | $3,679.68 | $3,437.55 | $2,261.07 | $5,781.35 | NA in State | $3,898.00 | $2,408.94 | $3,393.75 | $1,630.86 |
| Kansas | $4,010.23 | $2,146.40 | $3,703.77 | $3,220.65 | $4,784.42 | $2,475.59 | $4,144.38 | $2,720.00 | $4,341.43 | $2,382.61 |
| Kentucky | $7,143.92 | NA in State | NA in State | $4,633.59 | $5,930.97 | $5,503.23 | $5,547.63 | $3,354.32 | $6,551.68 | $2,897.89 |
| Louisiana | $5,998.79 | NA in State | NA in State | $6,154.60 | NA in State | NA in State | $7,471.10 | $4,579.12 | NA in State | $4,353.12 |
| Maine | $3,675.59 | NA in State | $2,770.15 | $2,823.05 | $4,331.39 | NA in State | $3,643.59 | $2,198.68 | $2,252.97 | $1,930.79 |
| Maryland | $5,233.17 | NA in State | NA in State | $3,832.63 | $9,297.55 | $2,915.69 | $4,094.86 | $3,960.87 | NA in State | $2,744.14 |
| Massachusetts | $2,708.53 | NA in State | NA in State | $1,510.17 | $4,339.35 | NA in State | $3,835.11 | $1,361.86 | $3,537.94 | $1,458.99 |
| Michigan | $22,902.59 | NA in State | $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 | $4,532.01 | $3,521.29 | $3,137.45 | $3,498.54 | $13,563.61 | $2,926.49 | NA in State | $2,066.99 | NA in State | $2,861.60 |
| Missouri | $4,096.15 | $3,286.90 | $4,312.19 | $2,885.33 | $4,518.67 | $2,265.35 | $3,419.14 | $2,692.91 | NA in State | $2,525.78 |
| Mississippi | $4,942.11 | NA in State | NA in State | $4,087.21 | $4,455.94 | $2,756.53 | $4,308.85 | $2,980.48 | $3,729.32 | $2,056.13 |
| Montana | $4,672.10 | NA in State | $3,907.55 | $3,602.35 | $1,326.11 | $3,478.26 | $4,330.76 | $2,417.74 | NA in State | $2,031.89 |
| North Carolina | $7,190.43 | NA in State | NA in State | $2,936.69 | $2,182.71 | $2,848.03 | $2,382.61 | $3,078.65 | $3,132.66 | NA in State |
| North Dakota | $4,669.31 | $3,812.40 | $3,092.49 | $2,668.24 | $12,852.83 | $2,560.35 | $3,623.06 | $2,560.53 | NA in State | $2,006.80 |
| Nebraska | $3,198.83 | $2,215.13 | $3,997.29 | $3,837.49 | $6,241.52 | $2,603.94 | $3,758.01 | $2,438.71 | NA in State | $2,330.78 |
| New Hampshire | $2,725.01 | NA in State | NA in State | $1,615.02 | $8,444.41 | $2,491.10 | $2,694.45 | $2,185.46 | NA in State | $1,906.96 |
| New Jersey | $5,713.58 | NA in State | $7,617.00 | $2,754.94 | $6,766.62 | NA in State | $3,972.72 | $7,527.16 | $4,254.49 | NA in State |
| New Mexico | $4,200.65 | NA in State | $4,315.53 | $4,458.30 | NA in State | $3,514.38 | $3,119.18 | $2,340.66 | NA in State | $2,296.77 |
| Nevada | $5,371.62 | $5,441.18 | $5,595.56 | $3,662.09 | $6,201.55 | $3,477.14 | $4,062.57 | $5,796.34 | $5,360.41 | $3,069.07 |
| New York | $4,740.97 | NA in State | NA in State | $2,428.24 | $6,540.73 | $4,012.93 | $3,771.15 | $4,484.58 | $4,578.79 | $3,761.69 |
| Ohio | $3,197.22 | $1,515.17 | $3,423.01 | $1,867.19 | $4,429.74 | $3,300.89 | $3,436.96 | $2,507.88 | $3,135.16 | $1,478.46 |
| Oklahoma | $3,718.62 | NA in State | $4,142.40 | $3,437.34 | $6,874.62 | NA in State | $4,832.35 | $2,816.80 | NA in State | $3,174.15 |
| Oregon | $4,765.95 | $3,527.28 | $3,753.52 | $3,220.12 | $4,334.55 | $3,176.83 | $3,629.13 | $2,731.48 | $2,892.19 | $2,587.15 |
| Pennsylvania | $3,984.12 | NA in State | NA in State | $2,605.22 | $6,055.20 | $2,800.37 | $4,451.00 | $2,744.23 | $7,842.47 | $1,793.37 |
| Rhode Island | $4,959.45 | NA in State | NA in State | $5,602.63 | $6,184.12 | $4,409.63 | $5,231.09 | $2,406.51 | $6,909.45 | $4,323.98 |
| South Carolina | $3,903.43 | NA in State | $4,691.85 | $3,178.01 | NA in State | $3,625.49 | $4,573.08 | $3,071.34 | NA in State | $3,424.77 |
| South Dakota | $4,723.72 | $4,047.47 | $3,768.80 | $2,940.29 | $7,515.99 | $2,737.66 | $3,752.81 | $2,306.23 | NA in State | NA in State |
| Tennessee | $4,828.85 | NA in State | $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 | $5,485.44 | $4,848.72 | NA in State | $3,263.28 | NA in State | $3,867.55 | $4,664.69 | $2,879.94 | NA in State | $2,487.89 |
| Utah | $3,566.42 | $3,698.77 | $3,907.99 | $2,965.57 | $4,327.76 | $2,986.57 | $3,830.10 | $4,645.83 | NA in State | $2,491.10 |
| Virginia | $3,386.80 | NA in State | NA in State | $2,061.53 | NA in State | $2,073.00 | $2,498.58 | $2,268.95 | NA in State | $1,858.38 |
| Vermont | $3,190.38 | NA in State | NA in State | $2,195.71 | $3,621.08 | $2,128.21 | $5,217.14 | $4,382.84 | NA in State | $1,903.55 |
| Washington | $3,540.52 | $3,713.02 | $2,962.00 | $2,568.65 | $3,994.73 | $2,129.84 | $3,209.52 | $2,499.78 | NA in State | $2,262.16 |
| West Virginia | $3,820.68 | NA in State | NA in State | $2,120.80 | $2,924.39 | NA in State | NA in State | $2,126.32 | NA in State | $1,984.62 |
| Wisconsin | $4,854.41 | $1,513.27 | $3,777.49 | $3,926.20 | $6,758.85 | $5,224.99 | $3,128.91 | $2,387.53 | NA in State | $2,975.74 |
| Wyoming | $4,373.93 | NA in State | $3,069.35 | $3,496.56 | $1,989.36 | $3,187.20 | $4,401.17 | $2,303.55 | NA in State | $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 |
|---|---|
| Low | $4,628.03 |
| Medium | $4,896.81 |
| High | $5,139.02 |
-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 |
|---|---|
| Poor | $6,490.65 |
| Fair | $4,581.16 |
| Good | $3,859.66 |
-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 |
|---|---|
| Clean Record | $3,819.90 |
| 1 Speeding Ticket | $4,483.51 |
| 1 Accident | $4,987.68 |
| 1 DUI | $6,260.73 |
Coverages Offered
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.
– Bundling
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.
– Additional Options
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.
– Discounts Offered
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 |
| Loss Ratio | 65.22% | 64.75% | 59.51% |
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.
| Information | Required/Not Required |
|---|---|
| Driver's License Number | Not required |
| Social Security Number | Not required |
| Phone Number | Required |
| Email Address | 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
– Device AvailabilityAllstate 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.
– App Features
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.
Pros:
- Record witness and driver information after an accident
- Store Photos of personal property with Digital Locker
- Report/ submit a claim
Cons:
- 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.
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.
| Pros | Cons |
|---|---|
| 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.
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Review Information
I am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.
Peter Kosanovich says
If you want a good insurance company DON’T use Allstate. I have been with them 30 years and have done nothing but raise my auto rates beyond all of their competitors. Their excuse was to say the state approves the pricing so they have no control over the cost. I say it’s greed and just servicing CEO’s and shareholders and damn the customer. The agent was no help and customer service was full of excuses. They were charging me a higher rate on a 2007 Mustang then I was paying on a new 2018 Explorer. The excuse was the cost of parts and accident data. They need to find a data company that the rest of them use. Boat insurance was higher and home insurance was so-so compared to others. Customer loyalty is not of any interest to Allstate so steer clear. Saving over $700 going to another insurer.
Nicholas Corbi says
Peter: You are absolutely correct. Allstate is interested in their bottom dollar, not their clients! As a former agent for Allstate, spending 35 years with this company, I can tell you they have no interest in their clients except for their premium dollars. And, watch out for their homeowners policies. The depreciate roofs. I bet their agents won’t tell you that in the sales process! If they did they would never get a sale! And, the only way Agents can get a viable Homeowner sale is to package it with an auto insurance sale. Stand-alone Homeowner policies from Allstate are not only very expensive but not as good as those from other companies. Why would anyone buy a policy where your roof is depreciated? Allstate agents were employees up until June 2000. At that point, they fired every agent (except New Jersey Agents) and forced them to become Independent Captive Agents. It was a sham and designed to take benefits away and transfer the office expenses to agents. Additionally, agents were given “quotas” or production goals, which, if they did not meet they would be “fired” or have their contracts terminated. The contract issue is a totally different story. It a one-sided contract, where Allstate can modify or change it at will, and they do. Agents are helpless and forced to sell products which may not be the most competitive or the best, for their clients ( just look at their Homeowner product). The agents also have Life Insurance and Financial Product “Quotas”. If they fail to meet this Life Production Goals, they lose any possibility of a bonus, get reduced commissions on Property and casualty products (auto and homeowners) by 10%, and can be terminated. The agents are boxed into a contract where they were promised they could pass their business down to anyone the wished. WRONG!!! The company needs to approve the sales and in many cases they won’t approve, forcing agents to take a minimal “Termination Payment”. So, if an Agent gets terminated, they get a 90-day termination notice and need to find a buyer within 90 days. That is very difficult. And the poor unsuspecting new buyers are just buying a job they can be terminated from. It’s a bad deal all around making for a very unhappy agency force. The first thing I did when I left was to change my insurance to another company. I was paying approximately $4000 per year for my two cars. My new company charged me $1800 per year and the coverage was better. Yes, I was a dumb ass for my allegiance to this company and should have moved my policies many years ago.
Rick says
I was a 10-year customer with Allstate Texas Lloyds company. I never had an accident, I just paid my monthly bill every month. I bought a new car and thought my insurance company would handle it efficiently. I was wrong. Allstate price gouged me and when I saw the quote called and canceled immediately. Weeks later I received a collection notice in the mail saying I owe them. Just WoW! I will tell all that will listen to not use this insurance company.
Torie says
You’re Not in Good Hands With Allstate
Be advised that the reward you receive for continued insured service from 1973 till today from Allstate is going back on their word, attempts to find ways to weasle out of providing coverage you pay for, and harassing their customers with incessant calls about what they won’t cover that you paid for. A recent tragedy occurred when a relative of mines in her 80s who cares for her sick husband and watches her great grandchild occurred when a fire broke loose in her a/c unit. Praise God she was having it serviced when this occurred which truly prevented this devastating event from becoming a fatality. Her apparent only mistake was believing she was in good hands with Allstate. Her adjuster [Redacted] stated initially they would cover the cost of replacing the unit, then the next day stated it wasn’t covered with various different reasons given, none of which made sense. An obvious excuse given to get out of covering a service that their customer has been paying for. If this wasn’t insult enough the insured customer had housing coverage for a year. Well, they legally have housed their two grandchildren who are in college and again as the only caregiver for her husband she elected to stay next door with her son which required the use of 3 bedrooms, and rather then pay for her stay there which accommodated way more services then a hotel 5 miles away at a decent rate. They were willing to pay $119 per night per room at a hotel in Ruston, but only wanted to pay $50 a night to stay closer to the resident which made it actually more convenient for them. Beware if you are in your golden years and face a problem in your domicile that with Allstate you may find yourself re-entering the war zone. This done inspite of the fact that she has two sons who have been faithful customers of Allstate, needless to say that is being rethought. Needless to say you’re in questionable hands with Allstate
Diana says
Allstate has by far been the worst company I have ever had to deal with. They lie to their customers when you begin your policy, then after a month of being with the company they raise your rates and tell you how underwriting changed things on your account without your permission. They have approached this misconduct, misrepresentation and false advertisement as an “oh well” situation. It’s been a month of trying to contact several people to get my issue resolved, but no one at the company wants to be bothered, no one calls you back, no one is ever at their desk to answer phone calls. And when you do get someone on the phone they rush you off and just want your money. It’s a disgrace how no one can take responsibility for their [redacted] up, and no one wants to address issues or correct them. How hard is it to answer a customer, or pick up a phone? Is this company so busy with complaints of unsatisfied customers that your too busy to address additional issues? This company has been nothing but [redacted] and lies. I hope this review warns other potential customers away from the hassles that I have been going through since the beginning of December, I have spoken to a [Redacted] who doesn’t want to be bothered and prefers to send you to other peoples voicemails instead of doing her job, a [Redacted] who was completely rude and dismissive, an [Redacted] who has no idea how to do her job or what is going on, a [Redacted] who lied saying my issue was resolved without even talking to me, how can an issue be resolved if you have no contact with the customer to resolve your issue, this company is in breach of my contract, we agreed on a policy and then they decided that they can change it at will after a month into it and you will have to just deal with it, and they have discriminated against non married couples. Plus the CEO Thomas J Wilson, doesn’t have a phone, or any way to contact him to let him know what is going on in this company, or to the board of directors. This company seems like a scam.
Terry Bartholomew says
I recently made a claim on my Allstate Auto Insurance policy. In the past ,they have been fine but this time they were a pain in the butt. They force you to use their “Quick Claim” process which is anything but quick and ceratinly not easy. It took days for them to finally process the “Quick” claim which was not accurate after sending them 10 photos and finally figuring out their process I ahd to wait two days after filing the claim, to enter their “Quick Claim” process.. When they finally decided to pay the claim, they asked to use direct deposit because it would be “quicker”. I got an email two days later saying they deposited the money and now after four days, my bank still has no record of the deposit. When I called Allstate, they said I should wait a couple more days and if it doesn’t show up, I should call them. How is this anyones idea of “Quick”?
V says
1 out of 10 stars – at least in terms of potential clients. I called Allstate to get a quote on a home I purchased for cash since I was told by others that I was paying with another insurance company and was advised to contact [Redacted] directly. I was redirected to [Redacted] and we had a good conversation. Afterward, he sent me an email with 3 quotes depending on deductible and as a response, I stated that I didn’t have an interest in proceeding with Allstate because my quotes rates were LITERALLY TWICE as high as the prior owner and then [Redacted] stated the following “do not appreciate your insulting of [Redacted]” – in other words, provided a false accusation. I had a good conversation with [Redacted] and was never insulting, I simply questioned why my quotes rates were literally twice as high as the prior owner. Either way, I don’t appreciate insurance companies treating their potential clients this way and literally providing false witnessing.
Bill Beach says
We’ve been with Allstate for almost 20 years and have been happy, but only because we didn’t need anything from them. Once we needed anything, it became very obvious that they just do not care about their customers or customer service.
This all started after an auto accident when the police officer taking the report recommended that we call our agent the next day. We did as the officer suggested. As soon as we reached someone, her first and only question was “was it your fault or the other driver’s?” No “oh sorry, is everyone ok?” No ” is anyone hurt?” No “I hope you’re all ok, is there anything we can do to help?” Upon telling her that it was the other driver’s fault we heard, in a very relieved tone, “then you need to call their insurance, not us.” When we said that the officer had said we should call our agent we got a curt “no you need to call their insurance.” (On an unrelated note, Nationwide was very helpful and seemed very concerned with getting everything and everyone back to normal)
We’ve since change insurance companies (Thanks USAA for the great rates and customer service to veterans!) for auto insurance but stayed with Allstate for homeowner’s insurance.
Just a few months later, there was a series of very bad hailstorms in the area damaging most of the roofs in the neighborhood. We had a roofing company inspect our roof. We were told that it looked like there was damage and they suggested that we call our insurance company to get an adjuster and file a claim. When they learned that we were with Allstate, they essentially said “oh, well you can still call them but they’ll probably deny it… you really should have been with another insurer.” Another roofing company said pretty much the same thing.
We had an adjuster come out to inspect the roof. We were relieved to hear that not only was there no damage but that our roof was “in great shape.”
With our roof in “great shape” we were a bit surprised just a few months later when water was dripping from our now sagging garage ceiling during a heavy rain. After getting access to the attic area where we thought it might be coming from, we see evidence that it had probably been leaking for a few months but only enough to cause interior damage when the rain was very heavy. We worked with three different roofing companies who all agreed that it at least needed extensive repairs or replacement.
So, we arranged for another adjuster to come out and re-inspect the roof. Frankly, throughout the entire process he acted rather aloof and like this was very much an inconvenience for him, even acting put out when we didn’t want to reschedule the original appointment time to better fit his schedule.
Sure enough, the second adjuster found that there was no damage and that nothing would be covered. Not even the interior damage that happened after the first adjuster said the roof was in “great shape.” Instead, the leak was due to the shingles being improperly nailed when the house was built. Apparently the first adjuster completely failed to notice the “nailing issue” or we could have at least gotten it fixed before the ceiling in the garage was damaged. It’s also quite the coincidence that the poor shingle nailing waited 20 years before suddenly manifesting itself at just about the same time that most houses in the neighborhood had their roofs damaged by severe storms.
I tried to call our agent to let them know how frustrated and disappointed we were but didn’t even have the option to leave a voicemail. I’ve had a few calls with Allstate since, just to express my disappointment with the level of concern for their customers and customer service. I really don’t expect them to do anything, but I do want them to know how upsetting their indifference is.
As I said, my expectations are low. The next person form Allstate we deal with could just come to the house, kick our dog, belch, and leave without saying a word and we wouldn’t be surprised.
“You’re in good hands” is a great marketing slogan but based on our experience, if Allstate wants to be truthful they should just change the slogan to “meh.” Oh, and yes, we were hurt in that auto accident but we’re ok now. Nationwide took care of it.
Tushar says
I aspire to discourage anyone from ever using Allstate because their ins.company, they
Discriminate, they’re liars, they’re phoneys, they do not care about individuals, whatsoever, I have read each of these reviews here, and I had been done dirty also.
It will not matter for me to list all the details ,none of us will choose the time, to do this here if we were not all burnt by Allstate. Please do not proceed with them, all these reviews are from those who’ve been hurt by Allstate and those are those who care for you. Reading this, we do not need others to be hurt by them.
Respect and Trust are a gift, Allstate will not ever make my confidence again, they all deserve to get their ins.
Sara Chan says
If you believe “you’re in good hands with Allstate,” I have a bridge I want to sell to you. My brother had an automobile that had the unfortunate luck to be hit by a vehicle insured by Allstate. The operator of the other vehicle was ticketed and my brother’s was totaled. Allstate sent an adjuster to check the vehicle and his paperwork was sent to their main office. We were contacted and offered X-amount of money. My brother protested, as he had already checked the figures for what his vehicle was worth (make, model, year, condition, mileage, etc.). The Allstate offer was considerably less than resale price. When he protested, the agent said Allstate only used wholesale prices in honoring payments. After much discussion and the agent bluntly stating they would not negotiate, he finally ended the conversation before he said something he regretted. Anyone thinking of using Allstate had better rethink things and, if you still decide to go with them, bake some cookies for Santa Claus.
Roy Shepherd says
Allstate claimed that I was at fault in an accident that a judge in city court in Chattanooga, TN dismissed the case based on photos and illustrations I had of the accident. This same evidence was presented to Allstate and they ignored it. Instead, they took the word of the other driver, who gave false information on his written statement, thereby resulting in an inaccurate police report. I called the Nashville Allstate office that handled the claim but they weren’t interested in considering any possibility that they had made a wrong decision. Now I’m out the $1000 deductible and I have a collision claim on my driving record which has been clean for over 50 years.
Gonzalo Smith says
worse insurance i had, hard to get in-reach with them, many mistakes were made not willing to fix
Lorraine Oreilly says
My husband and I currently have insurance with Allstate (garbage insurance company and should be investigated). We left our old insurance company to save money and we did, but, however; when we needed to use them for the damage to our kitchen floor, we were told that we are not covered. [Redacted]!!! (and I don’t mean Wednesday, Thursday or Friday). When our home was structured in 07 the contractors must have used copper pipes, now it’s 2016 and the kitchen floor has black stains on it about 1 foot wide and 4 feet long. The floor has soften in that area, we called them to send out a rep to look at it, we were told in 3 three business days they would send someone out. Three days passed and we are still waiting on someone to come out. Today we went to a local Allstate agency and showed pictures of the damage. They made a phone call to an adjuster, we talked to him and he was very RUDE. He informed us that they don’t deal with water damage or anything dealing with mold. [Redacted]!!!! What is the purpose of having home insurance, if when its time to use it, you are not covered? I came home, reviewed the policy, nowhere did it say we were not covered with this water damage. The only thing it stated was and I quote: “Did you know you do not have water back-up coverage? Water back-up coverage may provide protection for a covered loss when; Water or any other substance backs up through sewers or drains; or water or any other substance overflows from a sump pump, sump pump well or other system designed for the removal of subsurface water which is drained from a foundation area of a structure”. Well, this is NOT the case with us. This water is NOT from a backed up sewage system, drain, or sump pump well. I will be contacting the News to put ALLSTATE on blast and to show others that you are not in good hands with them.
Jarda says
Bunch of liars tell you one thing and do another. I switched from Geico and they gave me a rate of $74, within of two months raise to $84 told me that they messed up and gave me one extra discount and they’re taking it back of. Four months later raised it to $94 without even telling me and when I called them they said oh they raised our premiums but we did tell you……… No they never did tell me just raised it!!!
Well now I am at 11 months Mark and it went up to $104, so in less than a year they raised my premium $30 and guess what this last time never even told me never sent no emails didn’t say anything I just looked at my bill and it was $104.
I guess I had enough looking for new insurance, I do not like people lying to you straight in your face say they were going to do something and turn around and do something different…..STRAIGHT UP LIARS!!!
Glenn says
I agree just dropped them very unprofessional rude. Ask questions they redirect me to corporate or billing… thought was all one company couldn’t answer simple questions or put the blame on me what happened to customer service.
Rock says
I completly agree with all negative comments…i had the for awhile they were great at first. My home was broken into in the first 2 days of a remodle and everything was taken. I was told it would replace only $500 dollars so i figured not really worth it cause it would raise my rate. Eventually got contacted by the “agent” quotes because she doesnt care it was the assistante that called and could do something and not raise the rates so i said alright lets do that. I recived a check of about 1750, not even half value but ok. The part that is in question is my rates more than doubled…sorry me paid them for three years…..after the third i received my escrow info and allstate had billed me $2500 even after doubling it it was $1500. So i called and called all i got is that what was billed, so wrong, not even worth a piss in a bucket, but eventually they said well we can drop you payment to $700…wait im talking about the year before…eventually just moved on…everything sucks, customer service them finding anything that they sent to resemble my premium even though i had 2 different statements that year..good hands my ass…even after they cut it went with a better carrier and for half of their price after the readjustment…BTW that raised the mortgage almost double just from their antics.
Judy says
I hope to discourage anyone from ever using Allstate as their ins.company,they
Discriminate,they are liars,they are phoneys,they don’t care about people,at all,I have read all these reviews here, and I was done dirty as well.
It doesn’t matter for me to list all the details ,none of us would take the time,to do this,here,if we weren’t all burnt by Allstate,Please don’t go with them,all these reviews,are from people who have been hurt by Allstate,and these are the people that care about you ,reading this,we don’t want others to be hurt by them.
Respect and Trust,are a gift,Allstate will never evet,earn my trust again,they deserve to have their ins. Companies close down.
julie moskal says
I have recently review my agent [Redacted] .I am sorry to say I wasn’t fair they are very hard working agents ,who keep me up dated and my best interest at hand. I have a bad day and the survey was a wrong choice to vent on. I would recommend and have recommend to others. I give them a ten in service and concern. I have been with your company since 1971 and no desire to change. Thank you.
Corey Hartson says
WARNING!!!! You are NOT in good hands with Allstate. I have had Allstate for a little over 3 years. I have never been so insulted by the lack of professionalism and the ignorance portrayed by a recent claim representative. I will summarize my experience and do my best to leave out any biased information. I will give it to you straight. I was involved in a motor vehicle accident last month. I called up to report the claim as required. The claim representative that was in charge of my claim took my recorded statement where I informed him of all the details I could recall of the incident at hand. After the recording was off, he immediately made the assumption that I was at fault. This was before reading the other drivers statement, receiving the police report, or having any other resources to make an accurate assessment. The truthfully informed both the officer at the scene and the claim representative that I had a very vague recollection of the facts. I was on the interstate for approximately 2 miles, driving in control of my vehicle, and noted that there were NO cars within a 1/4 mile vicinity. I attempted to change lanes as I approached the upcoming exit in a 1/2 mile. I looked in my side mirror, and checked my blind spot, put my directional on. As I shifted approximately 3 inches to the left (still in my lane to my recollection) I felt impact to the passenger side rear of my vehicle, I was then spun sideways where the other vehicle struck my passenger door. Upon the arrival of the state police, the other driver hollered and was uncontrollably insisting that “I intentionally ran him off the road due to road rage”. This was completely inaccurate and couldn’t be farther from the truth. I refuted and let the officer handle the scene. Once I gathered all that I could recall, it was apparent that the other vehicle attempted to pass me on the right, was speeding, and impacted my vehicle. Once I received the accident report it was apparent why this driver was accusing me. The operator was 18 years old and driving his parents sports car, thus causing the accident. I am 35 years old, married to a beautiful wife, with a perfect 5 year old at home. My car was less than 4 months new. There is no possible logic as to why I would intentionally damage my vehicle and jeopardize my life and another persons well being. I tried to leave the age discrimination out of the scenario, but when I am falsely accused of a wrongdoing, I can only speak the truth. I escalated the claim to a manager and again stated my side of the incident. The “at fault” was determined before the police report was even submitted and I was found liable. There was no effort on the part of the claims representative to argue on his client (myself) behalf. The claims rep didn’t even know what the state laws were. Never in my life have I been so insulted, frustrated, or place in an uncomfortable position. This is unacceptable and I will be switching to another insurance company for my homeowners, auto, and recreational vehicle policies. To add to the matter, the adjuster tried to short me on the repairs to my brand new vehicle, they attempted to have the autobody cut corners to keep cost down and wrote the check out for the wrong amount. This company is NOT there for their clients and I will NEVER be associated with this dishonest and uneducated company. I highly recommend staying away from Allstate for all your insurance needs.
charrla says
My experience with Allstate is terrible I had an agent [Redacted] she is very unpleasant and rude and can be unprofessional…I dont recommend them at all search around to see if u can find cheaper insurance……
David says
I’ve had Allstate home and auto coverage for 25+ years. Have had a few claims on both. Car accident claims, both at fault and not, were handled quickly, professionally, and paid fairly. Home claims were handled quickly and fairly as well. Most recently we had hail damage to the roof from a storm. Allstate adjuster came out, inspected, estimated the repairs, and printed a check for the full amount (less deductable) on the spot.
Overall, they’re not the cheapest, but my experience with their customer service has been excellent.
A.L says
If you are looking for an insurance company that is out of reality, then choose “ALLSTATE”. I had 2 cars insured with them, then when they started offering home insurance in the State of Massachusetts this year I transferred my home policy with them. Just to add to my surprise, I received a letter from indicating they’ve cancelled the home policy without a notice because there’s some peeling paint in the back of the house that was caused by the zillion storms we had this past winter, and therefore; they couldn’t insure my house.
What?? yes, that is exactly what I said. I called their agent in Quincy, MA who by the way never answers neither emails or calls ( NEVER) and left him several VMs to tell him (which he should already know) that we’ve several snow storms, I can paint the house if they could give me an extension of 2 months or something until I can come up with the money, but the answer ( through his admin) was a big fat NO. They wanted however, keep my auto policies active because my wife and I have a perfect driving record and only use both cars on Weekends, but, in my turn I had to say NO [Redacted} way. Both the cars and house come as a one package, you cancel one, better off cancel both.
To my surprise again, when I transferred everything to a different carrier, I save more than 35% in premiums for the same exact coverage.
I think it was all in good faith and was meant to be****Thank God***.
DO NOT CHOOSE them, you may be in good hands as they say for twice as much.
Marie Christopher says
YOU ARE NOT IN GOOD HAND WITH ALLSTATE!!!! When you have a claim they will not take responsibility for the damages. Their adjusters are completely incompetent and out of touch with the cost of repairing damages. Having Allstate home insurance is like not having any insurance. All they know is how to collect the money. If you have a claim THEY WILL NOT COVER DAMAGES. They did not even have the professional courtesy to send an adjuster to see that damages first hand.
My mother is 92 years old and a heart patient. She cannot go up the stairs and she uses a walker. We have been without bathroom facilities on the first floor for five weeks. Allstate denied my request to send an adjuster down when these damages first occurred. The adjuster tried to minimize the damages. The amount of money Allstate is willing to give does not cover the cost of replacing the damaged items, not to mention the cost of labor.
Diane says
BEWARE: ALLSTATE INSURANCE COMPANY COMPLETE RIP OFF ARTISTS. THE GOVERNMENT SHOULD INVESTIGATE THAT COMPANY AND CLOSE THEM DOWN. THEY ARE SCAM ARTISTS! DON’T DO BUSINESS WITH THEM BECAUSE IF YOU THINK THAT YOUR LIFE, AUTO, AND HOME ARE PRPTECTED, YOU ARE DELUSIONAL! WHEN SOMETHING HAPPENS, THEY WILL NOT TAKE RESPONSIBILITY! IF YOU HAVE ALLSTATE INSURANCE FOR ANYTHING, YOU REALLY NEED TO FIND A DIFFERENT INSURANCE COMPANY BEFORE, GOD FORBID, YOU NEED TO FILE A CLAIM.
TERRIBLE COMPANY TO DO BUSINESS!!!
Rebecca says
I’m currently researching changing my auto policy to allstate and came across this review and the comments. While I’ve not decided on the change to auto policy yet, I felt compelled to provide our POSITIVE experience with an Allstate home insurance claim.
Our home was damaged by hail in October, 2010, but the damage was not all immediately visible and was presumed by us to be minor and not worth contacting the insurance company about. By the time the damage became much more obvious (gradual loss of paint on patio cover at only the locations of hail “dings” that couldn’t even been seen until the paint flecked off, loss of paint on the gable ends at the location of dings that then accelerated until most of the gable was bare, and other such), we assumed it was too late to make a claim, more than two years having passed. Then in September 2014 we had wind damage to the roof and made a claim. The adjuster came out promptly, noted the hail damage and said it would be more cost-efficient for us to file a claim for the older hail damage – that way, not only would the roof be repaired, but also the hail damage to the patio covers and fascia. The only thing he did NOT approve for coverage was damage to the wooden gables because, due to the amount of time that had passed, he said he was unable to tell if the damage was from the hail. He said we would be sent a check for the depreciated cost of the property damaged and, should we choose to have the repairs made, we would then be reimbursed for the repairs up to very reasonable approved amount. Upon calling in to Allstate to check one item, we were told the only caveat regarding reimbursement up to the approved amount was that we had to have the repairs made within six months of initiating the claim.
We had the depreciated value check in a week. Within the next couple of weeks, a team from Allstate came out to review the adjusters work – and approved MORE items for reimbursement (the aforementioned gables, for one) and sent us another check. Using that money to make the down payment for contractors repairs, we had the roof and all remaining damage fixed, faxed Allstate the final receipts and received the rest of reimbursement within less than a week. They covered absolutely every bit of the cost of repair minus improvements (not repair of hail damage) that we had long been desiring and had the contractor make at the same time.
So, in summary – 1. they were prompt; 2. they did not try to avoid paying anything and actually saved us money by advising us to make the claim for the older hail damage; 3. they explained up front that the only way to recoup replacement costs was to actually do the replacement; and 4. they explained shortly thereafter the timeline for doing the replacement.
We were thoroughly pleased, which is the reason we are now researching moving our auto insurance to them as well.
fred mark says
After 20 years with Allstate with no claims, currently 2 houses and 3 cars, Allstate is treating me like garbage.
I just got hit by a hit-and-run driver leaving $3700 worth of damages and Allstate will pay only 2,900 which is below $3800 on the car cash value. I’m paying full coverage premium, Allstate won’t pay for the collision repair.
DO NOT TRUST ALLSTATE. They will screw you over whenever they can.
christian says
I’m sorry to say that I believe this review to be skewed – Allstate frequently has secret new policies they do not inform their policyholders about until the policy holder has a problem and requires the help from Allstate. Claims are fought against the policyholder, and the value of a claim to be paid is 50-90 LOSS to the policyholder. Try repairing roof damage or replacing windows at the cost of Allstate’s low-balling adjusters. It truly is pathetic for an insurance company to rake in the millions from policyholders but deny them coverage when they truly need to file a claim against damage. Hail coverage, wind coverage, tornado coverage, all the acts of nature/God/whatever that the policyholder has no control over, Allstate refuses to pay. Apparently, Allstate doesn’t feel that extensive storm damage to a ROOF and WINDOWS demands a fair adjustment. It would have cost us triple the amount to repair damage, and Allstate gave us 1/4 needed to repair. Thanks, Allstate, for requiring high premiums but refusing to pay when your policyholders need you most. Oh, and don’t even think about claiming more than twice in a 10 year period, you’ll be cancelled just for asking about a claim.
Margie says
My family had a tragic complete loss home fire. The money for the house itself was sent right away as soon as Allstate saw us under contract to rebuild. The contents were a different story. They sent an adjuster out. My mom was the only person present while he came because I had to work. My mom could not remember everything that was in the home and had asked the adjuster if he could come back when I could be present. He agreed. My mom kept calling to try and make another appointment . After leaving several messages the adjuster finally called back and told us he would send a copy of the content list that he and my mom had filled out and I could fill out the rest. I did. Of course after you send the list you remember other items that you forgot to add. They sent a check for some of the items. We bought just what we needed. Shopping for your entire life of items is a very daunting job. Come to find out we were suppose to purchase everything then they would give us the full value of our items. Because the check they sent was a depreciated value for the item. It didn’t even matter if it were only a month or a few months old. We were told we were out of time to submit receipts. Spoke with a supervisor told her what happened. That we were never told about the “policy” that yo have to buy it to get paid for it. They gave us a month to re buy 80,000 thousand dollars worth of items. Needless to so, that is impossible. So we were told that there was nothing that can be done. The case was closed and here we sit saddened by the loss photos of children, memories of family vacations, jewelry that was passed down and loved. And two wonderful pets that can never, ever be replaced. Allstate claims that they are there when you need them most. Hmm. I feel like we were kicked to the curb.