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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 car insurance 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.

The Best Car Insurance Companies in 2020

Our Car Insurance Ranking

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

Allstate Rating and Review

Rating: 4.10/5

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Allstate auto insurance ranks No. 3 in our consumer survey. People were generally pleased with customer service and how their claims were resolved, but the company lost some ground when we asked consumers if they would recommend Allstate to others. The company does have some of the highest average rates in our study, which we’ll dig into below.

Nearly 80% of respondents were satisfied or very satisfied with how easy it was to file a claim with Allstate. One respondent put it plainly: “Their claim process was easy.” About 10% said they were dissatisfied or very dissatisfied, which is echoed in the sentiment of one respondent: “The agent at the office is great, however the various claims reps were rude, did not communicate well, and took a very long time to get issues resolved.”

People seemed to like the customer service staff at Allstate, with almost 80% saying they were satisfied or very satisfied with it. Less than 10% gave it an unsatisfactory rating. Allstate’s updates during the claims process also earned high marks, with 80% of respondents saying they were satisfied or very satisfied with status updates.

Respondents did not feel that they were getting a good value from Allstate. Less than half of those in our survey said they were completely satisfied, with another 26% of consumers saying they were just satisfied. Again, about 10% were dissatisfied or very dissatisfied with the value they get from Allstate.

The low perception of value had caused several people in the survey to jump ship. “Good company but a bit expensive,” said one. Another told us “premiums were apparently not price competitive with [other insurers] with equal if not better services. Not a great value.” 

Those who had decided to remain with Allstate cited the difficulty of disentangling themselves from their current insurance. This person’s response was typical: “I might stay just because I don’t want the hassle of trying to find different auto insurance.”

Allstate Pros and Cons

Pros

    • Easy to file claims

    • Great customer service

Cons

    • Prices are not competitive

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 2,732 consumers who filed a car insurance claim in the last five years, asking questions about their car insurance company. Of the survey respondents, 166 filed a claim with Allstate.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 nine 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 study rates shown here, we computed the mean rate for male and female drivers ages 25, 35, and 60 who drive 12,000 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 Car Insurance Costs

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Allstate has the most expensive overall average study rate: $1,880. That’s more than twice the rate of the lowest average, USAA’s $885. 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.

The Cheapest Car Insurance Companies in 2020

Average Annual Rates:

Allstate Car Insurance Rates by Age

Age

National Average Rate

Single 25-year-old female

$2,012.48

Single 25-year-old male

$2,097.41

Married 35-year-old female

$1,853.99

Married 35-year-old male

$1,838.24

Married 60-year-old female

$1,716.82

Married 60-year-old male

$1,763.31

Our 25-year-old driver profiles have study rates between $2,000 and $2,100 from Allstate. Representative rates drop to around $1,850 for our 35-year-old driver profiles. At age 60, our driver profiles see rates in our analysis that are about $1,750.

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.

Allstate Car Insurance Rates by Annual Mileage

Annual Mileage

National Average Rate

6,000 miles

$1,836.09

12,000 miles

$1,880.37

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 $1,836. Driving 12,000 miles per year, which is closer to the national average, only adds about $45 to Allstate’s representative rate.

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 Car Insurance Rates by Coverage Type

Coverage Type

National Average Rate

Low

$1,772.46

Medium

$1,880.37

High

$1,983.44

Allstate’s study rates for low, medium, and high levels of coverage differ by only a few hundred dollars, though that is the largest gap between study rates of all the companies we studied. Low coverage, which might cover only the basic requirements, has an average representative rate of $1,772. High coverage, which might have lower deductibles and higher limits, has an average study rate of $1,983. It’s worth noting, though, that the medium and high coverage study rates are higher than all of Allstate’s competitors, and the representative premium for low coverage is higher than the rates of all but one of the insurers in our analysis. 

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 Car Insurance Rates by Credit History

Credit Score

National Average Rate

Good

$1,900.55

Fair

$2,220.45

Poor

$3,024.81

Driver profiles with good credit history have some of the lowest average study rates that we found with Allstate, at about $1,900. Fair credit adds more than $300 to that average. Allstate’s average study rate for driver profiles with poor credit is $3,025 – about $1,125 more than the average for driver profiles with good credit. 

That’s a big difference, dollars-wise. But it’s a 60% jump from average study rate for poor credit to the one for good credit. That’s in line with most other car insurance companies, though a few have average representative rates for poor credit profiles that are double those of good credit profiles. 

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. 

Allstate Car Insurance Rates by Driving Record

Driving Record

National Average Rate

Clean record

$1,880.37

With 1 speeding violation

$2,211.75

With 1 accident

$2,673.09

With 1 DUI

$3,251.65

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 $1,880. One speeding ticket bumps that average up to $2,212, and one accident raises the representative rate to $2,673. In both cases, the average study rates at Allstate for these profiles are more than $500 higher than the overall averages for all driver profiles with one accident or ticket in our study.

The study rate jumps to $3,252 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. That being said, Allstate’s study rate for drivers with a DUI is only less expensive than Nationwide’s rate, which tops $4,000.

To find out just how much of an affect an individual's driving history has on car insurance rates, 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. 

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.  There were a handful of specific profiles, such as 25-year-old male drivers, those who drive 6,000 miles a year, and drivers with one DUI, where Nationwide was more expensive. 

Overall, Allstate's study rates were only a hundred dollars or so more expensive than Nationwide’s. These two companies had average rates in our study that were less than $20 apart. And they often shared the distinction of being a few hundred dollars more expensive than their next closest competitors for the driver profiles we looked at. With Allstate, that translates to a penalty of about 25% when annual representative costs are generally less than $1,400 for most companies.

Allstate vs. Other Insurance 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 nearly $1,500. 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 $1,098, while Allstate’s average is $1,717, or more than $600 higher. Across most of our profiles, Allstate's study rates were about 30% 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 $1,200 choosing State Farm over Allstate. For the profile with a DUI, State Farm's average study rate is about half of Allstate’s average representative rate for this profile.

Read more in our Allstate vs. State Farm 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

PhotoAlto/Ale Ventura / Getty Images

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 for lower rates.

One respondent who was unlikely to renew with Allstate said they were “a senior citizen on a fixed income. Allstate is expensive.” No matter which auto insurance company people had, there were complaints about rates rising without explanation, and Allstate was no exception. “Too expensive and rates go up despite not making any claims in ten years,” said one typical  respondent. 

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-aged 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.

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

The Best Car Insurance Companies in 2020

Our Car Insurance Ranking

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

The Cheapest Car Insurance Companies in 2020

Average Annual Rates:

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