Allstate Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's Allstate Insurance Score
3 Stars
We award Allstate a final rating of 3 out of 5 stars. While Allstate has a superior rating from AM Best, the carrier is not accredited or rated by the Better Business Bureau (BBB). There have also been thousands of complaints filed against the carrier through the BBB in recent years. Allstate is one of the nation's largest insurance companies.
Allstate was founded in 1931 as part of Sears, Roebuck & Co. However, it has operated fully independently from Sears since 1995. While the carrier originally only sold car insurance, it has since greatly expanded its coverage catalog to include home insurance, motorcycle insurance, business insurance, life insurance, and much more.
Allstate is publicly traded and ranked on the Fortune 500 list. It recently acquired Esurance in order to keep pace with the changing insurance market.
We love that Allstate works with independent insurance agents to help make customers' experiences that much better. Offering 24/7 claims reporting is a nice feature, too. However, the higher-than-average car insurance rates and customer complaints are a legitimate cause for concern. Overall, we recommend looking into several options along with Allstate to be your next trusted carrier.
Allstate Insurance Pros and Cons:
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To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
Allstate Insurance Products by Type
Allstate sells a wide variety of personal and business coverages. Its products include the following:
Home & Property Insurance:
- Home insurance
- Renters insurance
- Condo insurance
- Landlord insurance
- Manufactured home insurance
Vehicle & Auto Insurance:
- Car insurance
- Electric car insurance
- Rideshare insurance
- Classic car insurance
- Motorcycle insurance
- ATV/off-road insurance
- Snowmobile insurance
- Boat insurance
- RV insurance
Other Insurance:
- Term life insurance
- Business insurance
- Personal umbrella insurance
- Pet insurance
- Event insurance
Allstate Auto Insurance
Allstate offers all the standard coverages you'd need in a car insurance policy, including comprehensive, liability, personal injury protection (PIP), collision, and uninsured/underinsured motorist. The carrier also offers a couple of optional coverages, including the following.
Coverage types, features, and benefits:
Roadside
Allstate's roadside assistance insurance can reimburse policyholders for the cost of emergency professional services such as towing, tire changes, jump-starts, lockouts, and fuel delivery.
Rental reimbursement
Allstate's rental reimbursement coverage can reimburse policyholders for the cost of a rental car.
Allstate Auto Insurance Average Prices
For a full coverage auto insurance policy, Allstate's average annual premium is $3,081. A minimum coverage policy averages $925 per year. The current national average cost of car insurance is $2,458 annually for full coverage. In comparison, Allstate's coverage costs about 25% more.
Here are some average rates for car insurance from Allstate by driver age.
Allstate Average Annual Car Insurance Cost by Driver Age
| Driver Age | National Average Full Coverage Policy Premium | Allstate Average Full Coverage Policy Premium |
|---|---|---|
| 16 | $5,229 | $5,478 |
| 18 | $4,501 | $4,581 |
| 20 | $4,972 | $6,103 |
| 25 | $3,031 | $3,714 |
| 30 | $2,622 | $3,148 |
Allstate's average auto insurance prices are considerably higher than the national average for every driver age category we studied. A 25-year-old driver pays nearly $700 more per year for a policy from Allstate.
Methodology
Average rates for car insurance were based on a sample driver who is 40 years old and has a good credit score and clean driving record. The sample customer was quoted for an auto insurance policy with bodily injury liability coverage of $300,000 per accident and $100,000 per person, property damage liability coverage of $50,000 per accident, personal injury protection coverage of $100,000 per accident, and uninsured motorist bodily injury coverage of $300,000 per accident and $100,000 per person. The driver's collision and comprehensive coverages each had a $500 deductible.
Allstate Homeowners Insurance
Allstate's standard homeowners insurance policies come with liability, dwelling, and personal property or contents coverage. The policies also include protection for medical costs for guest injuries.
Allstate can also help customers add optional flood insurance coverage from the National Flood Insurance Program to their policies to help protect their homes against losses due to natural water sources. A couple of additional coverage options are outlined below.
Coverage types, features, and benefits:
Personal umbrella
Optional personal umbrella coverage is also available to increase the homeowner's total liability coverage in case of an expensive lawsuit.
HostAdvantage
Allstate's optional HostAdvantage coverage can reimburse policyholders for stolen personal belongings while renting out their homes to others and for damage to personal property while hosting others in their homes.
Allstate Homeowners Insurance Average Prices
In contrast to its auto insurance prices, Allstate's average homeowners insurance rates are actually below the current national average. A home insurance policy with $300,000 in dwelling coverage from Allstate averages $2,288 annually, which is slightly below the national average of $2,304. Here are some average home insurance rates from Allstate by dwelling coverage amount.
Allstate Average Annual Home Insurance Cost by Dwelling Coverage Amount
| Dwelling Coverage Amount | National Average Policy Premium | Allstate Average Policy Premium |
|---|---|---|
| $150,000 | $1,406 | $1,532 |
| $300,000 | $2,304 | $2,289 |
| $350,000 | $2,571 | $2,554 |
| $450,000 | $3,118 | $3,074 |
| $750,000 | $4,549 | $3,817 |
Allstate's average home insurance premiums are cheaper than the current national average in every dwelling coverage amount category except for $150,000. For a policy with $150,000 in dwelling coverage, Allstate's average annual premium is about $126 higher per year than the national average.
What Discounts Does Allstate Offer?
Allstate offers several competitive discounts for its customers. Here are the carrier's car insurance discount options.
- Anti-lock brake (ABS) discount: Offered to customers who have ABS installed in their vehicles.
- Anti-theft device discount: Offered to customers whose vehicles have anti-theft devices.
- EZ pay plan discount: Offered to customers who choose automatic payments.
- eSmart discount: Offered to customers who choose paperless electronic payments and policy documents.
- FullPay discount: Offered to customers who pay their entire premium in full upfront.
- Responsible payer discount: Offered to customers who pay on-time consistently for at least a year.
An independent insurance agent can provide better discount information and premium quotes for coverage through Allstate. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.
Allstate Customer Service
Here's what to know about Allstate's customer service options and availability.
- Phone
- Live chat on website
- Mobile app available
- Snail mail
- Online claims reporting
- Phone customer service department is available 24/7
| Days | Hours | ||
| Monday-Friday | 24/7 | ||
| Saturday | 24/7 | ||
| Sunday | 24/7 |
To ensure a great customer service experience, work together with an independent insurance agent. These agents can help handle claims and other matters for you so you can relax and enjoy your coverage.
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Allstate Insurance FAQs
Claims are processed 24/7 and can easily be filed online or via the Allstate app. However, flood insurance, life insurance, and annuity claims must be filed by phone. The carrier does not make a specific claims response time frame promise.
Allstate is highly available to its customers. In addition to 24/7 phone service, policyholders can also use the Allstate website. Customers can also use the mobile app to contact a representative. Allstate can also connect its customers with independent insurance agents to provide a more comprehensive customer service experience.
Allstate allows customers to file some claims online, while others must be filed by phone. The carrier breaks down its claims process into four easy steps:
- File the claim
- Damage inspection
- Begin repairs
- Receive payment
If customers have further questions about the claims process, they can contact the carrier directly or ask their independent insurance agent.
Allstate's website seems a bit dated, and navigation is less polished than many other modern carriers' sites. However, the carrier does offer modern customer service options such as online claims reporting and find-an-agent.
As far as social media, Allstate appears to only have a presence on X, which is very limited compared to most other insurance companies. Overall, Allstate falls a bit short in the user-friendliness department.
Allstate has an excellent financial strength rating from AM Best. However, the carrier is not currently rated or accredited by the BBB, and thousands of complaints have been filed against it in recent years. The insurance company also has much higher-than-average car insurance rates. So, it may be up to individual interpretation as to whether Allstate can be considered a good insurance company.
Allstate's coverage may be right for individuals or professionals seeking auto, home, business, or life insurance. Coverage is available nationwide, but some products may not be sold in every state.
Allstate offers the standard home insurance coverages including liability, dwelling, and contents. The carrier also has additional coverage options for natural flood protection, personal umbrella insurance, and coverage for damage or theft of personal property while hosting one's home to others.
Allstate's home insurance rates are pretty affordable. A home insurance policy with $300,000 in dwelling coverage from Allstate averages $2,288 annually, which is slightly below the national average of $2,304.
https://www.allstate.com/
https://news.ambest.com/pr/PressContent.aspx?altsrc=2&refnum=35058
https://www.bbb.org/us/il/northbrook/profile/insurance-companies/allstate-insurance-0654-12014144
https://www.bankrate.com/insurance/reviews/allstate/