Here’s a breakdown of how we reviewed and rated the top auto insurance providers
The listings that appear are from companies from which this website may receive compensation, which may impact how, where and in what order products appear. Not all companies, products or offers were reviewed in connection with this listing.
- Average Minimum-Coverage Monthly Premium: $83
- Average Full-Coverage Monthly Premium: $230
- MarketWatch Guides Overall Rating: 4.5/5
- Customer Satisfaction Rating*: 4.1/5
- NAIC Complaint Level**: Low
- Usage-based/Telematics Insurance: Yes – Drivewise and Milewise
- Average Monthly Premium: $230
- MarketWatch Guides Overall Rating: 4.5/5
- Customer Satisfaction Rating*: 3.9/5
- NAIC Complaint Level**: Medium
- Endorsements for Natural Disasters: Wind and Hail
- Standard Coverage: Replacement Cost or Actual Cash Value
*Customer Satisfaction Ratings are determined with data from our 2025 Auto and Home Insurance Surveys, featuring results from 1,000 respondents each. Satisfaction results are honed specifically for Allstate auto and home policyholders.
**The National Association of Insurance Commissioners (NAIC) Complaint Level indicates how many complaints an insurance company receives compared to the industry average, relative to the insurer’s size and market share.
Our Thoughts on Allstate Insurance
Allstate is a great auto and home insurance provider, with above-average ratings in our comprehensive review. While Allstate’s individual policy rates are more expensive than those offered by other insurance providers, the company offers numerous discounts and bundling opportunities.
By bundling your home and auto coverage with Allstate, you could save an average of 18% on your insurance bills. Our review team also appreciates Allstate’s discounts for auto and home policies, which give people more wiggle room in their budgets.
The listings that appear are from companies from which this website may receive compensation, which may impact how, where and in what order products appear. Not all companies, products or offers were reviewed in connection with this listing.
Allstate Insurance Pros and Cons
Allstate’s monthly home insurance premiums are cheaper than the national average
Ranked above average for customer satisfaction in several regions by J.D. Power
Plenty of discounts available, such as the home buyer discount and Drivewise auto discount
Auto insurance rates are above national average for both minimum and full coverage
1.2 out of 5-star Trustpilot rating
Our team reached out for a comment on Allstate’s higher-than-average costs and low customer review score but did not receive a response.
Allstate Auto Insurance Review
Allstate’s auto insurance is noteworthy for the company’s stellar reputation in the industry and among customers. In several regions, the company ranked above average in J.D. Power’s 2024 Auto Insurance Study, indicating high customer satisfaction. In addition, Allstate holds A+ ratings from several credit rating agencies and a low NAIC complaint index, which indicates minimal complaints for a company of its size. These reputational factors offset Allstate’s slightly higher-than-average rates.
Below, see how Allstate performed in our review. Overall, Allstate received above-average ratings for customer experience, availability, industry standing and coverage. Although it scored highly in our 2025 review, it did not quite make our list of the best car insurance companies.
Allstate Car Insurance Cost
Allstate’s full-coverage auto insurance is $230 per month on average, which is $27 more than the national average. Minimum-coverage car insurance from Allstate costs $83 per month on average, which is $22 more than the national average.
Compared to other top-rated providers, Allstate’s average premiums are also considerably higher. Those looking for cheap auto insurance should consider other companies, like Geico, which has an average minimum-coverage rate of $43 per month and full-coverage rate of $162 per month.
Car Insurance Rates by State
Allstate’s cheapest auto premiums are in Vermont. Drivers there pay the least for minimum and full coverage with the provider, at average rates of $26 and $131 per month, respectively.
Allstate’s minimum coverage is the most expensive in Delaware at $170 on average. The most expensive full-coverage Allstate auto policies are in Texas and Delaware, with average rates of $320 per month.
The cost data in this article comes from Quadrant Information Services and uses our standard driving profile of a 35-year-old driver with good credit and a clean driving record who drives a 2023 Toyota Camry.
|
State
|
Average Minimum-Coverage Premium
|
Average Full-Coverage Premium
|
|---|---|---|
| Alabama | $64 | $175 |
| Alaska | $33 | $177 |
| Arizona | $57 | $201 |
| Arkansas | $71 | $233 |
| California | $89 | $294 |
| Colorado | $89 | $310 |
| Connecticut | $93 | $227 |
| Delaware | $170 | $320 |
| District of Columbia | $125 | $303 |
| Florida | $133 | $299 |
| Georgia | $98 | $231 |
| Hawaii | $44 | $162 |
| Idaho | $47 | $169 |
| Illinois | $69 | $215 |
| Indiana | $68 | $194 |
| Iowa | $52 | $188 |
| Kansas | $77 | $218 |
| Kentucky | $130 | $265 |
| Louisiana | N/A | N/A |
| Maine | $47 | $141 |
| Maryland | $152 | $290 |
| Massachusetts | $88 | $215 |
| Michigan | $78 | $274 |
| Minnesota | $65 | $218 |
| Mississippi | $73 | $215 |
| Missouri | $66 | $262 |
| Montana | $60 | $205 |
| Nebraska | $57 | $239 |
| Nevada | $139 | $265 |
| New Hampshire | $66 | $151 |
| New Jersey | $119 | $272 |
| New Mexico | $68 | $205 |
| New York | $143 | $237 |
| North Carolina | $81 | $272 |
| North Dakota | $65 | $185 |
| Ohio | $51 | $156 |
| Oklahoma | $71 | $267 |
| Oregon | $83 | $179 |
| Pennsylvania | $72 | $194 |
| Rhode Island | $90 | $202 |
| South Carolina | $65 | $199 |
| South Dakota | $49 | $149 |
| Tennessee | $67 | $202 |
| Texas | $96 | $320 |
| Utah | $83 | $200 |
| Vermont | $26 | $131 |
| Virginia | $67 | $199 |
| Washington | $70 | $195 |
| West Virginia | $66 | $246 |
| Wisconsin | $66 | $204 |
| Wyoming | $53 | $203 |
Car Insurance Rates for High-Risk Drivers
For drivers deemed high-risk, such as those with an accident on their record, Allstate’s rates are higher than average nationally. For example, a driver with a DUI will pay 67% more on average for minimum coverage with Allstate, compared to what a similar policyholder would with other providers nationally. Drivers with a speeding ticket pay an average of 21% more than someone with a clean driving record when insured with Allstate, according to our research.
In high-risk categories, none of Allstate’s average rates are below the national premium average, meaning the company is likely to be a costly provider for drivers with a record of violations.
| Risk | Allstate Average Premium | National Average |
|---|---|---|
| Accident History | $141 | $98 |
| DUI | $139 | $114 |
| Speeding Ticket | $101 | $82 |
| Texting While Driving Ticket | $101 | $81 |
| Poor Credit | $128 | $116 |
| Risk | Allstate Average Premium | National Average |
|---|---|---|
| Accident History | $343 | $281 |
| DUI | $308 | $301 |
| Speeding Ticket | $268 | $247 |
| Texting While Driving Ticket | $268 | $244 |
| Poor Credit | $333 | $244 |
Auto Insurance Cost by Age
Allstate’s auto rates fluctuate for different age groups, with teenage drivers paying the highest premiums. This is common across the auto insurance industry, as younger drivers are seen as higher risks on the road.
See how minimum- and full-coverage rates from Allstate compare for your age group below.
| Averages by Age | ||
| Age | Allstate Average Premium | National Average Premium |
|---|---|---|
| 16 | $325 | $242 |
| 17 | $259 | $209 |
| 18 | $217 | $185 |
| 19 | $162 | $145 |
| 21 | $120 | $105 |
| 25 | $89 | $75 |
| 45 | $85 | $63 |
| 55 | $81 | $60 |
| 65 | $87 | $63 |
| 75 | $100 | $74 |
| Averages by Age | ||
| Age | Allstate Average Premium | National Average Premium |
|---|---|---|
| 16 | $516 | $487 |
| 17 | $502 | $457 |
| 18 | $476 | $429 |
| 19 | $427 | $389 |
| 21 | $348 | $312 |
| 25 | $253 | $235 |
| 45 | $227 | $198 |
| 55 | $214 | $184 |
| 65 | $222 | $187 |
| 75 | $248 | $212 |
Allstate Car Insurance Discounts
One of the best ways to offset high premiums is to find car insurance discounts and bundle different policy types. Bundling Allstate policies will earn you a discount and the amount varies depending on which policies you bundle.
Explore some of these potential savings below.
| Averages by Discounts | |||
| Discount | Allstate Average Premium | National Average | Average Savings |
|---|---|---|---|
| Home Insurance Multi-Policy | $72 | $56 | -14% |
| Home Owner | $81 | $63 | -3% |
| Life Insurance Multi-Policy | $85 | $64 | 2% |
| Paid-in-Full | $80 | $61 | -5% |
| Renters Insurance Multi-Policy | $81 | $61 | -3% |
| Averages by Discounts | |||
| Discount | Allstate Average Premium | National Average | Average Savings |
|---|---|---|---|
| Home Insurance Multi-Policy | $186 | $173 | -19% |
| Home Owner | $213 | $193 | -7% |
| Life Insurance Multi-Policy | $224 | $194 | -3% |
| Paid-in-Full | $206 | $187 | -11% |
| Renters Insurance Multi-Policy | $214 | $187 | -7% |
Allstate offers 11 auto insurance discounts, which is competitive among other providers. Below is a list of Allstate’s available car insurance discounts.
- Multiple policy discount
- New car discount
- Smart student discount
- Anti-lock brake discount
- Anti-theft device discount
- EZ pay plan discount
- Allstate eSmart discount
- Early signing discount
- FullPay discount
- Responsible payer discount
- Save driving club (through DriveWise or MileWise)
Allstate Car Insurance Coverage
All car insurance providers offer the same basic coverage options for full or minimum coverage, and Allstate is no exception. Among insurers, the main differences can be found in pricing, customer service, and the flexibility of selecting coverage amounts or add-ons.
Allstate Add-On Options
Below are Allstate’s auto insurance add-ons.
- Allstate Extended Vehicle Care: This add-on covers repairs for your vehicle’s core systems (steering, exhaust and suspension), comfort and technology (AC and heating, seats and safety restraints), and powertrain (transmission, engine and drive axle).
- Alternative Transportation: Allstate will cover ride-share costs or rental car costs while your car is being fixed after a covered incident.
- Roadside Assistance: 24/7 services for flat tires or towing will be covered.
- Trip Interruption: If your travel plans are interrupted, Allstate will reimburse you up to $500 for lodging and meals.
Allstate Home Insurance Review
Allstate homeowners insurance includes numerous coverage options to protect your property and those on it. The company’s home insurance coverage is less expensive than many of its competitors.
If stellar customer service and numerous coverage options are priorities in your search for home insurance, then Allstate is a competitive choice. The insurer earned near-perfect scores in these categories in our analysis and ranked well in other areas, including cost.
Allstate Homeowners Insurance Cost
The average premium from Allstate for home insurance is $2,763 annually, which is $164 less than the national average of $2,927. These averages are based on a $1,000 deductible and $350,000 dwelling amount.
Your average cost will vary depending on which state you live in. For example, Allstate has more affordable rates for home insurance in Vermont, Hawaii and Delaware than other parts of the country. Allstate’s homeowner insurance premiums are more expensive in Alabama, Arkansas and Oklahoma.
Other factors, such as your home’s size, your deductible, your home’s location, your credit score and your claims history also affect how much Allstate home insurance will cost.
Cost by State
As with all insurers, Allstate premiums for home insurance vary by state, with homeowners in some states paying less than $100 monthly and those in other states paying over $300 per month. See average costs in your state below.
The larger your home is — referred to as dwelling size — the more your premiums will be. Compared to other providers, Allstate’s rates by dwelling size are slightly more affordable than the nationwide average. For example, the nationwide average premium for $250,000 in dwelling coverage is $200 per month, while Allstate’s average rate is $191 per month.
| Dwelling | Allstate Average Premium |
|---|---|
| $250,000 | $191 |
| $350,000 | $230 |
| $450,000 | $273 |
| $750,000 | $387 |
| $1,000,000 | $478 |
Your claim history greatly impacts how much you pay for home insurance coverage. With Allstate, home insurance policyholders pay slightly more compared to the national average cost associated with certain claim histories.
| Claim Type | Allstate Average Premium | National Average |
|---|---|---|
| Wind and Hail | $253 | $240 |
| Fire and Lightning | $303 | $262 |
| Water Damage and Freezing | $291 | $259 |
In most states, insurers are allowed to raise or lower rates based on your credit score. Allstate’s average premium for those with good credit is slightly cheaper than the national average. Generally, the lower your credit score is, the more you’ll pay for home insurance.
| Claim Type | Allstate Average Premium | National Average |
|---|---|---|
| Poor | $399 | $386 |
| Good | $230 | $244 |
| Excellent | $191 | $194 |
Home Insurance Discounts
Allstate has eight home insurance discounts. Some common discounts, such as military or senior discounts, are not available through Allstate for home insurance coverage.
- Welcome and loyalty discounts
- Bundle discount for home and auto
- Claim-free discount
- Home buyer discount
- Easy Pay Plan
- Protective device discount
- Early signing discount
- Windstorm mitigation discounts*
*For Florida homes only
Allstate Home Insurance Coverage Options
Allstate generally offers the same basic home insurance coverage options as all other providers: covering your home’s structure, personal property and living expenses in specific instances. The only difference lies in the pricing, quality and flexibility when selecting coverage amounts. An Allstate representative can help you select your levels of liability protection, coverage limits and deductibles.
Allstate offers nine optional add-on coverages for your home insurance policy:
- Identity theft restoration covers legal fees and lost wages if your identity is stolen.
- Water backup covers water damage caused by a backed-up drain or failed sump pump.
- Scheduled personal property covers appraised items such as an engagement ring or an antique.
- Business property add-ons increase limits for business-related items in your home.
- Sports equipment covers expensive gear.
- Green improvement reimbursement covers replacing some items with more energy-efficient ones.
- Yard and garden coverage increases claim limits for items like trees or riding lawn mowers.
- Electronic data recovery covers expenses related to lost personal data on a computer.
- Musical instruments coverage pays for repairs or replacement of items like guitars or violins.
What Customers Think of Allstate Insurance
Allstate received generally positive customer satisfaction ratings in our 2025 auto and home insurance surveys. Each surveyed 1,000 respondents in total. Among Allstate car insurance policyholders, 91% said they’d recommend the company to a friend, with 78% being “satisfied” or “very satisfied” with coverage options. Several respondents specifically noted liking Allstate’s bundling options, good customer service and great coverage. For home insurance, 90% of respondents said they’d recommend Allstate to a friend, with 71% of policyholders being “satisfied” or “very satisfied.”
However, it's important to note that not all review websites have as strong ratings for the company. Trustpilot, for example, rates Allstate at 1.2 out of 5 stars (from over 500 reviews). Several reviewers noted disliking AI’s involvement in the claims process and complained of delayed customer service responses.
What Customers Like
Below are common features that Allstate auto and home insurance customers like.
- Smooth claims process: Several BBB reviewers noted that Allstate offered a decent claim payout and made the process easy.
- Easy app: Some Google reviewers like Allstate’s simple app features, such as calling roadside assistance, paying bills and getting discounts through Drivewise.
- Good customer service: Reviewers across multiple websites praise Allstate’s customer service representatives as helpful and patient.
What Customers Don’t Like
- Tracking within app: Some Google reviewers said they dislike tracking features associated with Allstate’s Drivewise app. Some felt the tracking was intrusive and reported it drained their phone battery.
- Canceled coverage or denied claim: Several customers on the BBB reported they were frustrated by canceled coverage due to a missing payment or a denied claim associated with carrying minimal coverage.
We reached out to Allstate for a comment on its negative review patterns but did not receive a response.
Allstate Claims Process
We asked Allstate policyholders how they felt about the claims process. In our survey, 51% of respondents said their Allstate home insurance claims were approved within one to two weeks. About 31% of respondents said their auto insurance claim was approved in one week or less.
These claim processing times and approval rates are on par with (or slightly better than) the industry standard.
| Rating Area | Allstate | Industry Average |
|---|---|---|
| Average Home Claim Approval Time | One to two weeks | One to two weeks |
| Average Auto Claim Approval Time | One week or less | One to two weeks |
| % of Home Claims Approved | 93% | 92% |
| % of Auto Claims Approved | 97% | 98% |
How Allstate Compares to Other Top Insurance Companies
Allstate policies fall in the middle in terms of costs when compared to competitors like Travelers and State Farm. The company has a higher NAIC complaint index than some competitors, however. Compare the differences between Allstate and other insurance providers below.
The listings that appear are from companies from which this website may receive compensation, which may impact how, where and in what order products appear. Not all companies, products or offers were reviewed in connection with this listing.
Allstate Insurance Review: FAQ
According to our 2025 surveys, over 89% of real Allstate home and auto policyholders say they’d recommend the company to a friend, suggesting that Allstate is a good insurance company to deal with.
The answer to whether Allstate or State Farm is better varies and depends on the type of coverage you need. For example, State Farm ranked lower than Allstate for auto insurance. For home insurance, State Farm earned a higher ranking than Allstate. We recommend conducting your own research to determine which insurance company best fits your needs and budget.
Allstate ranks above average among other insurance companies, receiving a 4.5 out of 5 score in our survey of home and auto insurance providers. Our analysis looked at customer service, discounts and range of coverage options. Based on these metrics, however, some competitors like Travelers, Progressive and USAA ranked higher than Allstate.
How We Rated the Best Home and Auto Insurance Providers
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best auto, home and life insurance companies. We collected data on dozens of insurance providers to grade the companies on a wide range of ranking factors. Learn more about how we rate insurance providers in each industry below:
- Auto Insurance: Our team has analyzed more than 130 auto insurers based on their industry standing, availability, coverage, cost and discounts, customer service, and technology. We evaluate both national and regional insurers to determine the most reputable options on the market. Learn more about our auto insurance methodology.
- Home Insurance: We assessed dozens of home insurance providers and created a scoring system to compare each company’s quality and service. We took a comprehensive look at insurers’ reputations in the industry, coverage offerings, average costs and customer service. See our rating process in more detail in our home insurance rating methodology.
