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Allstate was founded as an auto insurance company in 1931 by Robert E. Wood, the chairman of Sears, Roebuck & Co. He took the name from a type of tire sold by Sears at the time. Wood wanted to offer reduced rates to Sears' customers. In 1993, Sears sold its 19.8 percent stake in Allstate, and the company had an initial public offering. A couple years later, Allstate was completely publicly owned.

In 1939, Allstate was the first company to base insurance rates on mileage, use, and the age of the car. Every auto insurer would soon follow Allstate’s lead with variable rates based on the vehicle that was being insured. In 1959, Allstate took the initiative in offering discounts on insurance for owners of small cars.

The “You’re in Good Hands” slogan debuted in 1950, along with an illustration of a car being held in two cupped palms. The campaign was updated in 2016 to “It’s Good to Be IN Good Hands,” but the old slogan remains more recognizable after six decades in use. Since 2003, we’ve heard actor Dennis Haysbert reassuringly recite the line. In 2010, Allstate added some edge to its advertising with the Mayhem campaign, with actor Dean Winters personifying all the things that can go wrong in an auto accident – and then be made right by Allstate insurance.

Allstate Is the 8th Best Car Insurance Company

  1. USAA
  2. Travelers
  3. State Farm
  4. Geico
  5. Farmers
  6. Nationwide
  7. Progressive
  8. Allstate
  9. American Family

How We Created This Allstate Car Insurance Review

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Best Car Insurance Rankings. 

We surveyed 2,799 consumers who filed a car insurance claim in the last five years, asking questions about their car insurance company. These questions covered satisfaction with the ease of filing a claim, customer service, claim status communication, claim resolution, and overall value. We also asked whether they’d recommend the company and if they planned to renew their policy. We used their responses to build our Best Car Insurance Companies ranking and this head-to-head comparison.

Our Study Rates

To get comparative insurance rates for this study, U.S. News also worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 24, 35 and 60 who drive 15,000 miles per year, have medium coverage, good credit and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

Allstate Rating and Review

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Allstate auto insurance ranks in the bottom half of our survey. People were generally pleased with customer service and filing a claim, but they did not feel they were getting a great value from Allstate. The company does have some of the highest average rates in our survey, which we’ll dig into below.

Seventy-five percent of respondents were satisfied or very satisfied with how easy it was to file a claim with Allstate. As one person said, “I love my agent, but I’m not happy with rates.” About 12 percent said they were dissatisfied or very dissatisfied, which is echoed in the sentiment of one respondent: “I felt like no one was willing to go above and beyond during a difficult time to provide direction and guidance through the claim process.”

(Tim Boyle / Getty Images)

People seemed to like the customer service staff at Allstate, with 71 percent saying they were satisfied or very satisfied with it. Less than 20 percent gave it an unsatisfactory rating. Allstate’s updates during the claims process, however, were lacking for many. Fewer than half of those who took our survey said they were completely satisfied with claim updates. One frustrated respondent wrote, “[My] claim was not assigned to anyone who actually was responsible for taking action for four days.” Another noted, “all the work expected of the customer: taking images, multiple calls, hassle factor.”

Respondents did not feel that they were getting a good value from Allstate. Only 38 percent said they were completely satisfied, with another 20 percent saying they were neutral on the value they get from Allstate. Eighteen percent were dissatisfied or very dissatisfied with the value they get from Allstate.

The low perception value had caused several people in the survey to jump ship. “I moved my insurance not long after my last claim for a better rate,” said one. “Other companies are cheaper and give better coverage,” said another. Those who had decided to remain with Allstate cited the difficulty of disentangling themselves from their current insurance. “I stuck with them for three years, as other insurance companies penalize you for claims within three years,” one wrote. Bundling also plays a role for some: “Only stay with them because I have my home insurance and motorcycle insurance, and it’s too difficult to break apart.”

Allstate Car Insurance Costs

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Allstate has the most expensive overall average study rate: $1,778. That’s nearly twice the rate of the lowest average, USAA’s $895. Auto insurance rates differ for each person according to several variables, including the vehicle you're insuring, your age, the amount of insurance purchased, and your driving record. We’ll look at averages across several of the most common categories to help you make a decision when purchasing car insurance. These rates are just for comparative purposes; your insurance rates will differ.

Allstate Car Insurance Rates by Demographic

To determine Allstate's average rates based on gender and age, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Our 25-year-old driver profiles have study rates between $1,900 and $2,000 from Allstate. Representative rates drop to around $1,750 for our 35-year-old driver profiles. At age 60, our driver profiles see rates in our analysis that are about $1,650.

Group

Average Rate

Single 25-year old male

$1,991.16

Single 25-year old female

$1,908.47

Married 35-year old male

$1,742.19

Married 35-year old female

$1,760.38

Married 60-year old male

$1,676.41

Married 60-year old female

$1,629.81

Single 25-year old male

$1,991.16

Single 25-year old female

$1,908.47

Allstate Car Insurance Rates by Annual Mileage

We created two driver profiles to compare how annual mileage can change Allstate car insurance rates: one with low mileage (6,000 miles per year) and one with high mileage (12,000 miles per year). The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, a good credit score, and a clean driving record. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Allstate driver profiles are not severely penalized if they put more miles on their car. The average study rate for a driver profile with 6,000 miles on the odometer annually is about $1,735. Driving 12,000 miles per year, which is closer to the national average, only adds about $40 to Allstate’s representative rate.

Annual Mileage

Average Rate

6,000 miles annually

$1,735.00

12,000 miles annually

$1,777.66

Allstate Car Insurance Rates by Coverage Type

Allstate offers car insurance coverage in three general tiers: low, medium, and high (even if they don’t necessarily advertise it as such). We created identical profiles in our study to represent drivers, then found out how rates changed with the three levels of coverage. The profiles were assigned a clean driving record, a good credit score, and 12,000 miles of annual driving. We used both males and females with the ages of 25, 35, and 60. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis. 

Allstate’s study rates for low, medium, and high rates of coverage differ by only a few hundred dollars. Low coverage, which might cover only the basic requirements, has an average representative rate of $1,678. High coverage, which might have lower deductibles and higher limits, has an average rate of $1,876. It’s worth noting, though, that these rates are higher than all of Allstate’s competitors.

Coverage Type

Average Rate

Low

$1,678.31

Medium

$1,777.66

High

$1,876.14

Allstate Car Insurance Rates by Credit History

Our study verified that credit score affects car insurance rates using male and female driver profiles with ages of 25 years, 35 years, and 60 years. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a good credit score, a medium level of insurance coverage, and 12,000 miles of annual driving. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis. 

Driver profiles with good credit history have some of the lowest average study rates that we found with Allstate, at about $1,793. Fair credit adds about $300 to that average. Allstate’s average study rate for driver profiles with poor credit is $3,011 – about $1,200 more than the average for driver profiles with good credit.

Credit History

Average Rate

Good

$1,792.73

Fair

$2,108.31

Poor

$3,011.20

Allstate Car Insurance Rates by Driving Record

As you might expect, a person's driving record has a large impact on insurance rates, according to our study. To find out just how much of an effect, we made driving profiles with a clean record, with one speeding violation, with one accident, and with one instance of driving under the influence (DUI). These driving record representative profiles were based on 25-, 35-, and 60-year-old males and females with 12,000 miles of mileage per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. 

When it comes to driving records, Allstate rewards good driver profiles with its lowest representative rates. The average for driver profiles with a clean record in our analysis is about $1,778. One speeding ticket bumps that average up to $2,079, and one accident raises the representative rate to $2,514. The study rate jumps to $2,991 on average for the profile with a DUI, but that’s not unusual. Most auto insurers heavily penalize those who drive while under the influence.

Driving Record

Average Rate

Clean record

$1,777.66

With 1 speeding violation

$2,079.37

With 1 accident

$2,514.37

With 1 DUI

$2,990.62

Who Should Get Allstate Car Insurance?

Allstate’s average insurance study rates are higher than every other company’s representative rates in nearly every category we investigated. Only for the driving profile with a DUI did Allstate lose its distinction as the most expensive company. Nationwide came in with a higher study rate, knocking Allstate to second-most expensive for this profile.

Overall, Allstate's study rates came in at least a couple hundred dollars higher than the next most expensive company for most of our profiles. That's a penalty of about 20% when annual representative costs are generally less than $1,500 for most companies.

Allstate Auto Insurance vs. Progressive Auto Insurance

Progressive's study rates are about average for the industry, while Allstate’s are the highest in our analysis. Driver profiles with poor credit ratings can save an average of about $700 on their study rates with Progressive, and driver profiles with a DUI on their record will save about $1,200. In almost every other category we looked at, from young driver profiles to those who put 12,000 miles on their odometer each year, Progressive saves driver profiles hundreds of dollars.

Read more in our Allstate vs. Progressive Head to Head »

Allstate Auto Insurance vs. State Farm Auto Insurance

State Farm’s average car insurance study rates are significantly lower than Allstate’s, and State Farm places significantly higher with those who filed a claim and took our survey. For example, some of the lowest study rates from any insurer are for married female driver profiles at age 60. State Farm’s average representative rate is $1,125, while Allstate’s average is $1,630, or about $500 higher. Across most of our profiles, Allstate's study rates were about $500 higher than State Farm's. The gap between the companies is especially wide for driver profiles with less than stellar driving histories. With one accident, a driver profile could save about $1,000 choosing State Farm over Allstate. For the profile with a DUI, State Farm's average study rate is about $1,200 lower.

Read more in our Allstate vs. State Farm Head to Head »

Allstate Auto Insurance vs. Geico Auto Insurance

Geico’s famous “15 minutes could save you 15 percent or more” slogan seems like an understatement when comparing its average study rates to Allstate’s. Across all our driver profiles, Geico's average representative rate of $1,063 is about 40% lower than Allstate's average.

Our 25-year-old driver profiles could pay about $850 less for Geico car insurance, according to average rates in our study. Low insurance coverage with Geico runs an average of about $985, compared to Allstate’s average study rate of about $1,678.

Geico raises study rates pretty steeply when a driver profile gets a DUI, but Allstate’s average is still higher. Geico’s average study rate for the profile with a DUI is $2,806, which is one of the highest for this category and a jump of more than $1,700 compared to a driver profile with a clean record. Allstate’s average for a driver profile with a DUI is $2,991, which is about $1,200 more than its study rate for a driver profile with a clean record.

Read more in our Allstate vs. Geico Head to Head »

Types of Coverage from Allstate Car Insurance

Allstate has been an early adopter of technologies. It established a website for consumers in 1996, which was practically the dark ages of the internet. In 2000, Allstate established the Good Hands Network pilot program in Oregon for customers to buy auto insurance online, in addition to using an agent in person or over the phone.

The company has continued to stay on top of the tech game with services like Drivewise, an app that monitors a driver’s speed, the time of day a trip is taken, and the number of hard braking incidents. Staying within the speed limit, driving less at night, and braking slowly can all earn driver discounts on insurance, as well as rewards such as discounts on restaurants and travel.

Allstate also uses Cellcontrol for anyone who wants to clamp down on phone usage while driving. The program is aimed at younger drivers, but there are plenty of adults who could benefit from the service, which shuts down texting, games, and social media apps. Cellcontrol does allow hands-free calling and calls to 911.

You can also opt into the Safe Driving Bonus program. Every six months that you don’t have an accident, Allstate will send you a check in the mail. The program also includes $100 off your collision deductible every accident-free year for up to four years.

Allstate Car Insurance Complaints

It’s probably clear by now that Allstate is one of the most expensive auto insurers, and people who took our survey noticed. Many of those who had complaints about the company had already switched auto insurance providers.

One respondent had changed companies, but the claim they mentioned in our survey was still filed with Allstate because it was the other driver’s insurance company. They said, “First of all I am a former Allstate customer, so I know from past experience that they are very expensive. Second, the service, process of the claim, and return calls were completely nonexistent. I called them, and any updates were from [my] own insurance company, not AllState.”

Another said simply, “I moved my insurance not long after my last claim for a better rate.” And yet another echoed most of the complaints: “Other companies are cheaper and give better coverage.”

Allstate Car Insurance Discounts

In addition to the typical discounts, such as bundling policies for multiple vehicles or multiple types of insurance, Allstate offers a few different discounts. You can save up to 15 percent if you buy a brand-new car and you’re its first owner, for instance.

Allstate, like many insurers, offers discounts for students who get good grades and complete a driver’s education program. Allstate also gives parents a discount if their child is on the policy but going to school away from home – at least 100 miles from where the car is garaged. If your college-age kid is only driving the car during holiday breaks, Allstate doesn’t require that you pay the full rate for young drivers who live at home year-round.

Other Types of Policies From Allstate

Allstate has coverage specifically for classic cars and those who drive for ride-sharing companies such as Uber and Lyft. They also offer the usual slate of insurance for toys like boats, motorcycles, ATVs, motorhomes, and snowmobiles.

Allstate Financial Fitness

For a long time, Allstate was the third largest insurer, with a market share of 9.73 percent in 2016. But in 2017, it fell to fourth place with 9.29 percent of the market. Progressive jumped ahead to the No. 3 spot with 9.88 percent of the market, behind Berkshire Hathaway, owner of Geico, in second place and market leader State Farm.

Other Insurance Brands Related to Allstate

Allstate bought insurance company esurance in 2011 for $1 billion. It offers auto insurance in 43 states and 2 Canadian provinces. Though esurance has 3,000 service representatives, it has only 17 physical locations since the company emphasizes the online experience.

Contact Allstate

www.allstate.com

877-810-2920

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