Is Allstate Insurance right for you? We collected information on annual premium costs, policyholder satisfaction with claim resolution, and coverage options. Keep reading to see how the company behind the famous Mayhem commercials compares to the competition!
By the end of this article, you will feel confident about whether or not Allstate Auto Insurance is the right coverage for you. Also, don’t miss our Car Insurance Pro Tips throughout the article!
Allstate Auto Insurance Review
We looked at nation-wide data to conduct our review of Allstate Auto Insurance Coverage. Here are our findings:
- Allstate annual premiums are more expensive than the national average.
- Allstate claims resolution satisfaction is lower than other major insurers.
- Allstate offers similar coverage and discounts to other companies.
It’s always worth looking at regional prices by speaking to an insurance agent, but the national trends can give some overall insights. You find a more detailed breakdown below.
Price: Allstate’s Premiums vs. Other Options
How does Allstate compare to other insurers regarding cost? Allstate premiums are significantly higher than the national average. We read through the research and reviews conducted by US News and selected relevant data to make comparisons.
This table compares the annual premium costs for Allstate compared to the national averages. We used the data for female drivers, but the trend for male drivers remains. For this article’s data and methodology, three tiers of insurance coverage options from each company were averaged. Individual rates will vary by coverage selection and driver profile.
| Age | National Average | Allstate |
|---|---|---|
| 17-year-old | $4,962.00 | $6,607.00 |
| 25-year-old | $1,734.00 | $2,262.00 |
| 35-year-old | $1,476.00 | $1,992.00 |
| 60-year-old | $1,332.00 | $1,827.00 |
We also reviewed data from other major insurance companies. Rates listed were averages we found running these profiles and vehicles:
- Driver who drives 12,000 miles per year
- 2017 & 2021 Honda Civic, 2017 & 2021 Toyota RAV4, and 2017 & 2021 Ford F-150
- Medium-tier coverage an clean driving record
Allstate is the second most expensive insurance for annual premium costs. Their premiums are $1,992 compared to a national average of $1,734.
| Insurance Carrier | Premium Price 25-year-old (Female) |
|---|---|
| Farmers | $2,141.00 |
| Allstate | $1,992.00 |
| Progressive | $1,877.00 |
| Nationwide | $1,550.00 |
| Travelers | $1,482.00 |
| State Farm | $1,368.00 |
| Geico | $1,246.00 |
| USAA | $1,189.00 |
To round out the price comparisons, we also pulled data on insuring a teen driver. Allstate is the sixth cheapest option for insuring a teen driver and is still above the national average.
This chart compares other major auto insurance companies and the annual premiums to insure a 17-year-old male driver. The national average for annual premiums is $5,661.
| Insurance Carrier | Teen Insurance (Male) |
|---|---|
| USAA | $3,309.00 |
| Geico | $3,555.00 |
| State Farm | $3,958.00 |
| Nationwide | $5,329.00 |
| Travelers | $5,356.00 |
| Allstate | $7,441.00 |
| Farmers | $8,103.00 |
| Progressive | $8,505.00 |
Claim Resolution: Allstate vs. Other Options
Cost isn’t everything when it comes to auto insurance. Drivers also want to know that claims will be handled well by their insurance company. Unfortunately, less than half of survey respondents were satisfied with Allstate’s resolution of their claim.
Using the data from the surveys conducted by US News, we compared how satisfied policyholders were with claims resolution. This chart shows the percentage of survey respondents who said they were completely satisfied with claims resolutions.
| Carrier | Completely Satisfied with Claims Resolution |
|---|---|
| USAA | 67% |
| Travelers | 65% |
| Farmers | 56% |
| State Farm | 55% |
| Geico | 49% |
| Nationwide | 48% |
| Allstate | 46% |
Allstate Coverage Options
Allstate’s Auto Insurance Coverage Options will be similar to most auto insurance companies. We will explain how each type of coverage protects you financially in the event of an accident or loss.
Allstate Auto Liability
Liability Insurance protects drivers when they’re at fault. Auto liability insurance includes limits for bodily injury and property damage. Remember that whatever is not covered by your insurance will be your payment out of pocket.
- Bodily Injury Liability Coverage covers the medical expenses and lost income of other drivers and their passengers when you’re at fault.
- Property Damage Liability Coverage covers the property damage of other vehicles and property when you’re at fault.
Pro Tip: No matter which insurance carrier you use, select high limits for liability to ensure the most protection. The legal minimum is inadequate coverage because accidents can easily surpass the mandated insurance amounts. And if your claim exceeds your coverage limits, you are responsible for the difference!
Allstate Uninsured & Underinsured Motorist
Uninsured and underinsured coverage will help pay for medical expenses when you’re not at fault. This includes you and your passengers.
Even though insurance is mandated in most states, some people still drive without insurance or with too little insurance. Underinsured and uninsured motorist coverage will provide money for those medical bills.
Collision Coverage through Allstate
Collision insurance covers the cost of replacement or repairs for the driver’s vehicle. Replacement will payout the actual cash value of the car. This coverage is optional unless there’s a lease or loan for the car.
Collision coverage has a deductible. That means you must pay the deductible for each claim before the insurance covers the cost. Deductibles tend to be $500-$1000 dollars.
Pro Tip: Do not choose a deductible you cannot afford in the case of an accident. The insurance company will not pay your claim if you cannot pay the deductible after an accident.
Allstate Comprehensive Coverage
Comprehensive coverage helps pay for damage not caused by a collision with another car. Comprehensive insurance also pays out when the vehicle is stolen. The maximum payout would be for the actual cash value of the vehicle.
Pro Tip: The actual cash value of a vehicle is determined by an adjuster after a claim has taken place. I always encourage my clients to provide the adjusters with comparable vehicles available at dealerships and private party sales to help get a fair price for the vehicle’s value (especially in the case of a total loss).
Examples of things covered by comprehensive insurance:
- Natural disasters or storms
- Damage caused by animals
- Damage from falling objects
- Theft or Vandalism
- Shattered or broken windshields and windows
Comprehensive insurance also has a deductible. You will have to pay the deductible for each claim before the insurance covers any costs.
Medical Payments Coverage from Allstate
Medical payments coverage protects you as the carrier regardless of which driver is at fault. Coverage extends to family members on the policy. Expenses like doctor’s visits, an ambulance, surgeries, and nursing care associated with an accident are covered.
This type of coverage extends to situations where you or your covered family members are injured as passengers in another vehicle or as pedestrians.
Personal Injury Protection Coverage
Often combined with medical payments coverage, Allstate offers Personal Injury Protection (PIP). Personal Injury Protection also helps cover income from lost wages, childcare needs after an injury, and funeral expenses.
PIP is not available in every state, but it is legally required in others. An insurance agent can help you determine what is needed in your state.
Pro Tip: In states where PIP is required, it is often allowed to be waived. I never recommend that anyone waive PIP coverage as it increases the costs after an accident significantly compared to the actual cost of PIP coverage.
Roadside Assistance through Allstate
Allstate offers three different payment plans for roadside assistance. Two plans are available for customers without an Allstate auto insurance policy.
- For Allstate policyholders, roadside assistance can be added to auto insurance for $25 per vehicle.
- For policyholders and other customers, a membership option is available for as low as $89 for the first year.
- A pay-per-use option is also available to policyholders and other customers. Each tow will cost $149 under the pay-per-use option.
Allstate Roadside offers services in the following services:
- Towing
- Lockouts
- Fuel Delivery
- Jump Starts
- Tire Changes
Roadside services are available through the Allstate app, by calling 1-877-597-3393, or by visiting the website.
Pro Tip: If your insurance carrier doesn’t offer Roadside coverage, you can also purchase a membership through AAA that will cover you as both a driver and a passenger.
Allstate Rental Reimbursement Coverage
Rental Reimbursement Coverage will help pay for the costs of a rental car when your car is in the shop for repairs. This coverage only applies to repairs due to a collision. It does not apply to routine maintenance or repairs not associated with an accident.
What Discounts Does Allstate Offer for Auto Insurance?
Allstate offers several discounts to customers. Most of these discounts can be found with competing carriers as well.
Allstate’s Discounts Include
- Anti-theft device discount
- Discount for Anti-lock brakes
- A discount for paperless statements
- Early signing discount
- Paying in full discount
- Responsible payer discount
- Discount for select students under age 25
- Safe driving club discount
- Discount for automatic withdrawal to pay premiums
- New car discount for the vehicle’s first owner
- Multiple policies (bundling insurance products)
Pro Tip: If you decide to get a quote with Allstate, ask the representative for these discounts. Make a point to ask because sometimes these things get forgotten otherwise (they are not always automatic discounts).
Conclusion: Should You Take an Allstate Auto Insurance Offer?
We found Allstate premiums to be more costly on average. They have a lower satisfaction for claim resolution when compared to other carriers and similar coverage and nearly the same discounts that can be found with most auto insurance companies. If you are in an area of the country where Allstate’s rates are competitive you may still consider options due to the lower satisfaction in claim resolution.
Frequently Asked Questions
Which insurance company is the best in claims settlement?
US News found that USAA had the highest satisfaction with claims resolutions. 67% of USAA claims filers were completely satisfied with the claim resolution. Traveler’s Insurance was a close second place, with 65% reporting complete satisfaction with claims resolution.
Who are the top five auto insurance companies?
US News found that USAA, Travelers, Farmers, State Farm, and Geico satisfied the most policyholders who filed auto claims. USAA, Geico, State Farm, Travelers, and Nationwide offered the least expensive auto insurance premiums.
Who normally has the cheapest car insurance premiums?
On average, USAA, Geico, and State Farm offer the most affordable insurance premiums. All three companies offer premiums well below the national average.
Resources
(2022). Allstate Auto Insurance. Allstate. Retrieved December 20, 2022, from https://www.allstate.com/auto-insurance
(2022). Allstate Roadside Assistance. Allstate. Retrieved December 22, 2022, from https://www.allstate.com/roadside-assistance
(2022). The Best Car Insurance Companies 2022. US News. Retrieved December 20, 2022, from https://www.usnews.com/insurance/auto/best-car-insurance-companies
Jesse Cunningham V is a professional writer and licensed insurance agent. He has worked in the insurance industry in different capacities, starting as a customer service representative and working his way up to an independent agency owner. He is licensed in the states of Maryland and Pennsylvania for Property, Casualty, Life, and Health products. Jesse has worked with many national carriers, including Nationwide, State Farm, Travelers, and Liberty Mutual, and specializes in car and home insurance and health, life, accidental death, and disability insurance. He writes for multiple publications including FIXD and Bauple.com. All articles by Jesse are opinion-based. Speak with your licensed insurance agent about the particulars of your insurance before making any decisions.
