2023 Allstate Review

Many consumers should find Allstate to be dependable albeit unremarkable when it comes to meeting their basic insurance needs. While its customer satisfaction ratings aren’t outstanding, it received a fairly low rate of home and auto insurance complaints in 2022.

The company also offers a solid range of homeowners and car insurance coverages plus numerous other types of insurance, giving it the potential to be a one-stop insurance shop for individuals, families and small business owners alike.

Read the rest of our Allstate insurance review below to learn more about the kinds of policies you can buy from Allstate and what discount opportunities the company offers.

Allstate auto insurance review summary: Allstate offers basic car insurance coverage types and a handful of useful add-ons including a roadside assistance plan that doesn’t even require you to have an Allstate car insurance policy. In addition, policyholders can have greater control over their premiums by signing up for telematics programs like Drivewise and Milewise. However, outside of Florida, Allstate tends to rank low when it comes to customer satisfaction compared to other major car insurance companies. Allstate home insurance review summary: You can get all of the standard homeowners insurance coverage types from Allstate plus some endorsements that provide unique coverage you may not be able to easily find elsewhere. Allstate also receives fewer home insurance complaints than expected given its market share, making it an appealing option if you prioritize a trouble-free customer experience.

Allstate Pros and Cons

Pros	Cons
8,400+ captive agents nationwide	No longer underwrites new home, condo and commercial policies in California
Second-highest customer satisfaction rating for car insurance in Florida	Middling customer satisfaction ratings overall compared to other major insurers
Relatively low rate of complaints for home and auto insurance according to the National Association of Insurance Commissioners (NAIC)

About Allstate

Allstate was founded by Sears executives in 1931. The company had 4,217 active car insurance policies by the end of its first year and 113,427 customers by the end of the 1930s. In 1939, Allstate began to set car insurance premiums using rating factors like the age, use and mileage of a vehicle, which were shortly adopted by other auto insurance carriers.^[1]

Allstate first introduced its iconic “you’re in good hands” slogan in 1950 and it remains an integral part of the company’s brand to this day. By 1995, the insurer had become fully publicly held after Sears sold off all of its shares in the company.^[1] Today, Allstate sells numerous types of insurance through a team of more than 8,400 exclusive agents and more than 8,700 independent agents in the United States.^[2]

Availability

Allstate operates in all 50 states plus the District of Columbia, although the availability of some coverage types may be limited depending on your location. For example, Allstate stopped selling new homeowners, condo and commercial insurance policies in California in 2022.^[3]

Coverage

Allstate offers a wide array of coverage types, meaning many customers may be able to satisfy all of their insurance needs by shopping from Allstate. Specifically, you may be able to purchase insurance products such as the following through Allstate:

• Auto
• Classic car
• Motorcycle
• RV
• ATV and off-road vehicle
• Boat
• Snowmobile
• Home
• Renters
• Condo
• Manufactured or mobile home
• Landlord
• Home sharing
• Flood
• Umbrella
• Life
• Commercial
• Identity theft protection
• Phone protection
• Pet
• Event
• Travel

Consumer Experience

Line of Business	J.D. Power Score (Out of 1,000)[4][5]	NAIC Complaint Index[6]	NAIC Share of Complaints in U.S. Market[6]
General	N/A	2.39	0.64%
Auto	813.64*	1.08	0.85%
Home	809	0.73	1.11%

^{*Average score among 11 profiled regions}

Customer Service

Allstate customers can access their accounts and view self-service resources online or through the Allstate Mobile app. Additional customer support resources are available via online chat and email. Customers can also get their questions answered by calling 800-726-6033 or mentioning the @Allstate account in a post on X, formerly known as Twitter.^[7]

Compared to other major insurance companies, Allstate has middling customer satisfaction ratings overall for auto, homeowners and renters insurance according to recent J.D. Power studies.^[4][5] That said, the customer experience may vary by location as Allstate was ranked second in customer satisfaction for car insurance in Florida.^[4]

Meanwhile, Allstate’s average NAIC complaint score was 2.39 across all lines of business in 2022, meaning it received more than twice as many complaints as expected for a company with its market share. However, the company’s overall score was predominantly made worse by its 4.44 complaint score for commercial property insurance. Conversely, Allstate had fairly low scores for home and private passenger auto insurance, suggesting customers had minimal complaints with two of the company’s most important lines of business.^[6]

Features

On the Allstate Mobile app, users can contact agents, make payments, access identification cards, view their policy details and more. Allstate’s app has somewhat mixed reviews across platforms, with Apple users rating it as nearly perfect across close to 1 million reviews, while Google users have posted fewer reviews and have rated the app as a little less useful overall.^[8][9]

Platform	Number of Reviews	Star Rating
App Store	857K	4.8
Google Play	104K	3.9

Through the Allstate Mobile app, you can access two telematics programs: Drivewise and Milewise. Drivewise provides a discount when you sign up and then tracks your driving behaviors and may provide an additional safe driving discount every six months.^[10] Meanwhile, Milewise tracks how much you drive and rewards policyholders who rarely drive by letting them pay a daily base rate plus a per-mile rate, although this program is only available in 21 states plus Washington, D.C.^[11]

Additionally, Allstate offers a car-buying service through TrueCar, which allows users to trade in or sell their vehicles, view prices for in-stock vehicles and see what other drivers paid for certain cars to get a better understanding of how much those cars should cost.^[12]

Pricing

See the below table for an overview of starting rates for various coverage types listed on Allstate’s website.

Coverage Type	Starting Rate
Renters insurance	$16 per month (or $4 per month if you bundle renters and car insurance)[13]
Roadside assistance	$8 per month[14]
Boat insurance	$25 per month[15]
Term life insurance	$10 per month[16]
Phone Protection Plus	$13 per month for one phone or $25 per month for a family plan that covers up to four phones[17]
Pet health insurance	$30 per month[18]
Trip cancellation insurance	$14 per trip[19]
Cruise travel insurance	$57 per trip[19]
Multi-trip insurance	$81 per year[19]

You should note that the Allstate website doesn’t publicly list starting rates for every coverage type the company offers. In addition, your exact rates will depend on factors like your location, personal information, insurance history and policy details. As a result, you may want to contact Allstate directly if you are interested in a more precise quote.

Claims

Allstate customers can file insurance claims via online portal, mobile app or mail. In addition, if you have a question regarding an auto or property insurance claim, you can call 1-800-255-7828 to talk to a representative from Allstate about your claim.^[20]

Allstate Car Insurance

Allstate offers numerous types of car insurance ranging from basic coverages that are usually required by law to extras that can enhance a policy to suit your specific coverage needs.

What’s Covered

Some of the coverage types you may be able to add to your Allstate car insurance policy include the following:^[21][22]

• Bodily injury and property damage liability coverage
• Uninsured and underinsured motorist coverage
• Personal injury protection (PIP)
• Medical payments coverage
• Comprehensive and collision coverage
• Roadside assistance
• Rental car reimbursement
• Mexican tourist auto insurance
• Accident forgiveness
• New car replacement insurance
• Extended vehicle care

What Isn’t Covered

While auto insurance exclusions can vary from policy to policy, examples of losses that may not be covered by a basic personal car insurance policy from Allstate include the following:^[23]

• Intentional losses
• Commercial activities
• Acts of war or insurrection
• Radioactive contamination
• Wear and tear
• Mechanical or electrical breakdowns
• Damage or loss of tires due to a source other than theft, fire, vandalism or malicious mischief
• Damage or loss of camper units and other items stored inside of a vehicle, mobile home or travel trailer

Allstate Home Insurance

Similarly, Allstate offers both the basic coverage types included in a standard homeowners insurance policy and a handful of optional coverages you may be able to customize your policy with.

What’s Covered

The main home insurance coverage types offered by Allstate are as follows:^[24][25]

• Dwelling coverage
• Other structures coverage
• Additional living expense coverage
• Personal property coverage
• Personal liability coverage
• Medical payments coverage
• Water backup coverage
• Scheduled personal property coverage
• Business property coverage
• Sports equipment coverage
• Green improvement reimbursement
• Yard and garden coverage
• Electronic data recovery coverage
• Musical instruments coverage

What Isn’t Covered

A home insurance policy will also typically include a handful of exclusions. For example, a standard Allstate homeowners insurance policy could decline to cover perils such as these:^[26]

• Flooding caused by overflowing bodies of water, sewer backups and sump pump overflows
• Ground movements like earthquakes, landslides and sinkholes
• Enforcement of local building codes
• Intentional losses or criminal actions
• Nuclear hazards and pollutants
• Acts of war or insurrection
• Faulty construction or poor maintenance

Additional Policies Allstate Offers

Beyond home and auto insurance, you may also be able to buy the following coverage types from Allstate.

Motorcycle

Allstate motorcycle insurance can provide coverage for cruisers, sports bikes, touring bikes, scooters and mopeds. A basic motorcycle insurance policy from Allstate should include liability insurance and medical payments coverage, although you can also add multiple optional coverage types to your policy.

RV

Allstate also sells coverage for both motorized and towable recreational vehicles (RVs). RV insurance from Allstate can include many of the same coverage types as other kinds of vehicle insurance plus additional coverage for personal property, pets, vacation liability and more to account for the unique uses of an RV.

ATV

Similarly, Allstate sells insurance for a wide array of off-road vehicles including four-wheelers, snowmobiles, golf carts, dune buggies and more. All-terrain vehicle (ATV) insurance typically includes both liability and collision insurance to protect you, other riders and your vehicles in case of an accident along with comprehensive insurance to protect your vehicle from various non-collision sources of damage.

Commercial

Allstate also offers commercial insurance policies designed for small business owners. For example, the company sells business owners policies (BOPs) that combine general liability and commercial property insurance. Other commercial coverage types you can buy from Allstate include business interruption, equipment breakdown, professional liability, workers’ compensation and commercial auto insurance.^[27]

In addition, Allstate sells customized commercial insurance packages tailored to the needs of several different professions such as accountants, barbers, chiropractors, dentists, restaurant owners, healthcare workers, lawyers, photographers, real estate agents, retailers and more.^[27]

Renters

Renters insurance from Allstate is similar to homeowners insurance except that it does not include dwelling or other structures coverage since these should instead be covered by your landlord’s insurance policy. As a result, a standard renters insurance policy comes with personal property, personal liability, medical payments and additional living expense coverage.

Condo

Similarly, condo insurance from Allstate won’t cover the outer structure of your condo but should otherwise provide similar coverage to a standard homeowners insurance policy. This includes coverage for damage to the internal structure of your unit caused by covered perils.

Life

You can purchase either term or permanent life insurance from Allstate to secure a death benefit for your selected beneficiaries if you die during the policy’s coverage period. There are three kinds of policies available under the permanent life insurance umbrella: universal, variable and whole life insurance.

Allstate Discounts

See the below tables for an overview of the home and car insurance discounts that may help you lower your insurance premiums if you buy coverage from Allstate.^[28][29]

Auto Insurance Discounts

Discount Name	Description
Multiple Policy	Also known as a bundling discount, this discount applies if you purchase home or renters insurance from Allstate in addition to car insurance
New Car	You can qualify for this discount if you are the first owner of a car that is one model year old or newer
Smart Student	To qualify for a good student discount from Allstate, you must have at least a 2.7 grade point average (GPA), complete the teenSMART driver education program or go to school 100 miles away from where you car is garaged
Anti-Lock Brake	Installing safety features like anti-lock brakes into your vehicle will result in an auto insurance discount
Anti-Theft Device	Similarly, you may get to pay lower car insurance rates if you install devices aimed at lowering your risk of being the victim of car theft
EZ Pay Plan	Your rates will be lower if you participate in an automatic withdrawal system to pay your premiums
eSmart	Allstate offers a paperless discount to customers who sign up for ePolicy in order to view their insurance documents online
Early Signing	You can pay less for your auto insurance policy if you sign it at least a week before it becomes effective
FullPay	Pay for your car insurance policy in full up front rather than paying in monthly installments to qualify for this discount
Responsible Payer	If you haven’t received a cancellation notice for nonpayment in the past year, you can get a discount on your auto insurance premiums
Safe Driving Club	You can also earn substantial savings by adhering to Allstate’s safe driving requirements

Home Insurance Discounts

Discount Name	Description
Multi-Policy	You can get up to 25% off on your home insurance premiums if you bundle home and auto insurance
Responsible Payment	Allstate offers savings opportunities if you consistently pay on time, in full or through an escrow account
Claim-Free	If you haven’t recently filed a home insurance claim with your current insurer, you can get a discount of up to 20% when you switch to Allstate
Home Buyer	This discount may apply if you buy a newly-built home or have recently bought a new home in general
Easy Pay Plan	If you pay your homeowners insurance premiums through an automatic payment system, your rates may drop by up to 5%
Protective Device	You can also save on your premiums by installing devices designed to improve the safety of your home by lowering your risk of fire or theft
Early Signing	Sign a new home insurance policy at least a week before your current one expires and you could get a discount of up to 10%
Windstorm Mitigation	Florida homeowners can earn a discount by installing features that protect their homes from windstorm damage and having those features approved by a licensed inspector or general contractor

How Does Allstate Compare to Other Car Insurance Companies?

Allstate vs Allied	Allstate vs Auto Owners
Allstate vs Dairyland	Allstate vs Encompass
Allstate vs Farmers	Allstate vs Nationwide
Allstate vs Safeco	Allstate vs Travelers
Allstate vs USAA