UPDATED: OCTOBER 05, 2023 | 1 MIN READ
About Allstate
Allstate Auto insurance was founded in 1931. This insurance company is now one of the largest companies in America. When it was created, it was part of Sears, Roebuck, and Co., but in 1993, Allstate spun off on its own.
It is now the parent company of several others, including popular online-only insurer Esurance. As of 2018, it was ranked 79th on the Fortune 500 list of largest US corporations by revenue.
It is led by Thomas Wilson, CEO and president. Currently, Allstate offers auto, home, life, motorcycle, renters, boat, landlord, condo, recreational vehicle, retirement, and business insurance. In recent years, they have added banking services for larger corporate customers, but not personal lines.
Their slogan, since the 1950s, has been “You’re in good hands,” and today it is ranked as one of the most recognizable statements in advertising.
It was created by a company employee who entered a contest to draw the logo and develop a slogan. The winner walked away with $50 and a legacy that has endured for over half a century.
Satisfaction ratings:
- BBB Rating: A+
- Consumer Reports Rating: Very Satisfied
- JD Power Rating: 3.5 / 5
Allstate auto insurance pros and cons
-
The industry leader in automobile safety and education.
-
Offers to bundle for its various products.
-
Quoting system allows you to try on various levels of coverage and see how they change your premium.
-
In 2016, JD Power rated its customer service below average.
-
Only 6-month policies are on offer, meaning rates can change twice a year.
-
Some discounts do not show up in the online quoting system, meaning you'll have to talk to an agent to get them applied
Allstate car insurance review
Allstate has an A+ rating from the Better Business Bureau but a 3.7/5 score by AgileRates editors based on reviewing customer quotes and opinions. Varied experiences with Allstate can be found in reviews; most speak positively about their service, though some have encountered issues when filing claims payments. Even so, it still clocks higher than average compared to other auto insurance companies according to NAIC ratings at 2.73
Policies offered through Allstate auto insurance
Here are some of the types of coverages offered by Allstate:
- Liability: Allstate offers some of the highest limits available for the standard range of deductibles, but state minimums are also there if that’s what your policy needs.
- Collision: If your vehicle is not yet owned outright by you, then your lien holder will require this coverage. You can choose from a range of deductibles, usually from $0 to $2000, and the premium will adjust in real time with the tool.
- Comprehensive: Also called “other than collision,” this coverage is for any damage done to your vehicle that is not the result of a crash with another vehicle.
Upgrades and addons
Here are some of the upgrades and extra features you can add to your policy:
- Sound system: If you have comprehensive coverage, you can purchase this add-on to cover your sound system for up to $2500.
- Newer car replacement: If your new car is totaled in an accident, Allstate will cover the cost to replace it with one model year newer if you choose this optional upgrade.
- GAP: For cars that are still financed, you can include this coverage to pay off your loan in case of an accident that totals the vehicle. Normally it’s up to 25% of the actual cash value.
Available discounts with Allstate
You can earn discounts with the following Allstate programs:
- Economy car: Is your car good for gas and the environment? Fuel efficiency can get you up to 10% off.
- Paid in full: Planning on paying your policy in full? If you do, then Allstate will thank you for it with a small discount.
- eSmart: Okay with going paperless and keeping all of your policy documents online? If so, Allstate will treat you to this additional discount.
- Utility: If your utility vehicle was made before 2002, you might qualify for another discount of up to 15%.
- Premier: Is your driving record clean of incidents for the last three years? You could save up to 25% or more if your good driving has gone on even longer.
Special programs
These special programs and benefits are available from Allstate:
- DriveWise: This app keeps a record of things like speeding, hard stopping, and night driving to assess your safety on the road. Best of all, Allstate does not ding you for mistakes made while using the app. It only accounts for positive behavior. It requires ongoing participation, but the discount continues too. They share this app with their subsidiary, Esurance.
- teenSMART: Teenage drivers willing to participate in this online course will be eligible for potential additional discounts.
What you need to apply
Have this information on hand to get a fast, accurate quote:
- Name: Of course, they need to know who the policy is for, along with basic info like your birth date, which they will use to pull your public driving records.
- Address: Where you live affects how you drive. Approach any state line, and you’ll undoubtedly hear locals decrying the insane people in the next state. Cities, suburbs, and residential areas all have very different driving risks.
- VIN: You can find this 16-digit number inside your car door or auto manual. It belongs only to your vehicle and can identify the features included.
- Email: Since Allstate is an online company, you will conduct all of your business online. So, they will need an email address to communicate with you and share policy details and changes if you decide to buy.
FAQs
Is Allstate good at paying claims?
According to a 2023 survey completed by U.S. News, Allstate scored a 4.1 out of 5 for its claims process. They were tied with Progressive and Travelers. Of the customers surveyed, 46% of them were totally satisfied with the claims process.
Who is Allstate owned by?
Allstate is a publicly traded company. It’s owned by its shareholders, the biggest of which are BlackRock, State Street Corporation, and The Vanguard Group. The company is the largest publicly held personal insurance company in the United States.
What is Allstate Drivewise?
Drivewise is Allstate’s safe driving program. It works by monitoring your driving habits via your phone’s GPS. It measures your safe driving behaviors and rewards you for them.
How do you cheat Allstate Drivewise?
There’s no need to cheat Allstate’s Drivewise app. Unlike other programs that monitor your driving, Drivewise doesn’t use the data to increase your insurance rates. The program looks for safe driving behaviors and rewards you for maintaining them.
Is using Drivewise worth it?
The great thing about Allstate’s Drivewise program is that it never increases your insurance rates. It monitors your safe driving behaviors and rewards you by discounting your rates as long as you maintain them. It’s worth using the app because it can save you up to 40%.
Compare Allstate auto insurance policies
Now that you’ve seen how Allstate Auto insurance stacks up against the competition, it’s time to get a quote and see how much you could save. Head over to our rate form and enter your information in the form provided.
Within minutes, you could be on your way to finding cheaper Allstate car insurance that meets your needs. Have any questions? Feel free to contact us anytime for more information or help getting started. Thanks for reading our review!
Related content:
