Our take

Allstate insurance is a good choice if you’re looking for a company with a strong track record for customer service and claims satisfaction. But that reputation comes at a high price. Among the top 15 insurers in our Best Car Insurance Companies of 2024 list, Allstate was the second most expensive, only slightly cheaper than CSAA Insurance Group (AAA).

It does come with a solid financial position and very few complaints filed with the National Association of Insurance Commissioners (NAIC), so you will have to weigh getting a low price against a solid reputation.

States where Allstate offers coverage

Available in all states.

What does Allstate auto insurance cover?

Allstate offers a full range of car insurance policies to meet most drivers' needs. This includes everything from full coverage car insurance to rideshare endorsements and coverage for your classic car.

All primary car insurance coverage options are available:

• Liability
• Collision
• Comprehensive
• Personal injury protection (PIP) and medical payments (MedPay)
• Uninsured and underinsured motorist coverage

Additional coverage offerings:

• Roadside assistance
• Rental reimbursement
• Classic car insurance
• Car insurance for travel to Mexico
• Rideshare coverage

How does Allstate insurance rank?

Compared to its largest competitors, Allstate is in the lower half of the top 15 carriers. Its good track record for customer satisfaction with claims handling was offset by its high premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. rates, which were the second highest among its peers. Overall, it ranked 11th out of 15 in our survey.

Here's a look at how it compared to a selection of peers:

*The lower a company’s score, the fewer the number of complaints filed with the NAIC. A score higher than 1.0 means it had a higher-than-average number of complaints.

How much is Allstate auto insurance?

Allstate may not be the best place to find a low price. Its rates are higher, on average, than major competitors.

The average full coverage rates for a 40-year-old driver with Allstate are $2,509 per year, while State Farm offers the same policy at $1,984 and Geico is even cheaper at $1,763.

Here is a comparison of Allstate's rates with several of its biggest competitors that also offer policies nationally. Premiums are based on full coverage insurance at 100/300/100, with a $500 collision/comprehensive deductible for a 40-year-old driver with a good driving record.

Allstate car insurance rates by state

How much you pay for insurance varies based on factors such as your age, gender, credit rating and the type of car you drive. One of the biggest factors, however, is where you live. 

Some states have considerably higher insurance rates due to such factors as frequent hail events, flooding and higher litigation costs.

Drivers in Delaware and Florida pay the highest rates for Allstate auto insurance while those in Maine and Vermont get some of the best deals.

Here’s a look at annual average rates by state for a 40-year-old driver.

Allstate insurance rates for teens

Teenagers pay the highest rates for car insurance because risk data show they are prone to more accidents, especially serious accidents. Allstate car insurance rates are no different.

Here’s a comparison of what teen driver car insurance costs annually with Allstate compared to drivers of other ages and other companies.

Allstate insurance rates for adults

Allstate rates average $2,939 a year for a male and $2,884 a year for a female at age 25. At age 40, those rates go down to $2,504 a year for a male and $2,515 a year for a female.

Insurance premiums will steadily decline as you age. Only the oldest drivers will see that trend begin to reverse.

While it can vary slightly by insurance company, adults will pay some of their cheapest rates at around the age of 60. At 60, Allstate’s average rate is the lowest at $2,309 a year.

Here’s what adults can expect to pay for full coverage car insurance with Allstate at various ages.

Allstate insurance rates for seniors

Adult drivers typically see their insurance rates steadily decline as they get older. That trend begins to level off approaching the age of 65 and rises again for the oldest drivers on the road.

Car insurance companies base their rates on risk profiles, and unfortunately, there is evidence that driving becomes riskier as we age. This may be related to slower reflexes, weaker eyesight, or other factors and will certainly vary from driver to driver.

For that reason, expect to see your rates begin to increase as you reach 65, but it will not be nearly as steep as the rates you saw in your teens and Allstate tends to increase car insurance rates for seniors less than some competitors.

Here’s what a senior can expect to pay with Allstate at various ages:

Allstate insurance rates by driver profile

Insurance companies invest a lot of resources into analyzing data and have extensive risk profiles of drivers at every age, stage of life and gender. Your driving record is another good indicator of your risk profile, and they also consider some factors you may not have considered, such as your credit rating.

Here’s a look at what drivers with common negative marks on their profiles can expect to pay for full coverage insurance with Allstate compared to rates for drivers with clean records. Poor credit will have the biggest impact on rates, but an at-fault accident is not far behind.

Allstate auto insurance discounts

Allstate policies are on the pricier side, so it can really pay to look into what auto insurance discounts might be available.

Carriers offer discounts for a wide range of items such as bundling insurance policies with the same carrierAn insurance carrier is the company that provides your car insurance policy and pays claims., installing safety devices in your vehicle, using driver monitoring (or telematics) programs and belonging to various professional, trade or alumni associations.

The discounts can be as much as 30% or more and sometimes you can qualify for multiple discounts.

Allstate offers a full array of discounts to clients including those bundling auto with its other offerings like homeowners and life insurance. Here are some of the discounts Allstate offers:

• Passive restraint discount
• Anti-lock brakes 
• Anti-theft device device 
• New-car discount
• Farm vehicle discount
• EZ pay plan sign-up
• ePolicy 
• FullPay 
• Multiple policy bundling
• Good payer
• 55 and retired
• Resident student discount
• Good student

Sources & Methodology

Methodology

Insurance.com editors in 2024 collected rates from Quadrant Information Services for a 40-year-old male and female driving a 2023 Honda Accord LX for state minimum coverage, liability only with 50/100/50 limits and a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductible. Rates were gathered for multiple driving records and different credit levels. The rates presented are the average of rates for males and females. We analyzed 53,409,632 quotes, 34,588 ZIP codes and 170 insurance companies nationwide.

Source

Allstate. “Car insurance discounts.” Accessed August 2024.

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