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Allstate Insurance Review: Quotes For Car, Renter, Home, Life & Health

Updated: October 2019
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Allstate Insurance ReviewFounded in 1931, Allstate Insurance company is one of the largest auto insurance providers in the U.S. and in Canada. Offering home, auto, and life insurance, Allstate has customer satisfaction ratings average to other insurance companies, making the company a good choice for anyone who needs dependable insurance coverage. Allstate is your one-stop-shop for all of your insurance needs.

Table of Contents

NerdWallet Ratings

NerdWallet ranked Allstate 13th out of the top 24 car insurance companies. NerdWallet gave Allstate a 3.5-star rating out of a possible 5-star rating. NerdWallet used numerous factors to determine the Allstate ranking, including:

– Consumer complaints against the insurance company, with data compiled with information from the National Association of Insurance Commissioners

– Claims satisfaction, customer service, and customer satisfaction data compiled by J.D. Power & Associates

– Customer satisfaction ratings gathered by Consumer Reports

Allstate Insurance Review
ALLSTATE INSURANCE REVIEW
Allstate Insurance

Why Allstate Insurance?

  • Allstate is known as the leader in the industry when it comes to automobile safety and education.
  • Offers the chance to bundle auto, home, and life insurance for convenience.
  • Features an online quoting system so you can tailor your packages based on needs and price.
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Important Allstate Auto Insurance Coverage Information

Auto insurance is the most popular product offered by Allstate Insurance. Thousands of people trust their auto insurance needs to the company. Allstate offers a variety of policies to accommodate the needs of all drivers with competitive rates for coverage. A variety of discounts further reduce the costs of auto insurance coverage with the company, including multi-driver discount, multi-policy discounts, safe driver discounts, and many others.

Optional features available for policyholders to add-on to their policy include:

Safety Driving Bonus: Stay safe and Allstate rewards you with a safety bonus for every six-months you maintain accident-free driving. Finally, an insurance company that gives back to their customer!

Deductible Rewards: Drive an entire year without racking up any driving violations & Allstate rewards you with $100 off the collision deductible amount. Allstate will knock off up to $500 from the deductible amount. Even better, the first $100 is docked the moment you sign up!

Accident Forgiveness: Accidents happen. That’s why Allstate won’t increase your rates if you’re involved in one accident. Was the accident your fault? That’s okay; Allstate understands.

New Car Replacement: New car replacement kicks in if you total a new car within the first two years of ownership. You get a check for the full value of the totaled car.

Roadside Assistance: Roadside assistance includes services such as flat tire repair, fuel assistance, and towing. Add-on to your policy or use the pay-per-use service as an Allstate customer. The Allstate Motor Club is also available. This monthly subscription service is similar to the AAA service.

Add-on features availability varies from one state to another.

Sign of the Times

If you’re not already technology-inclined, it’s time to make a change. Download the Allstate app to get an automatic 3% discount each month. The app analyzes your driving behaviors, speed, and braking behaviors, when you drive most often, and similar information that Allstate uses to analyze important data. After six months of safe driving and 50 trips, you earn an additional 15% back (18% total) from your premium payment.

Claim Satisfaction Guarantee

Every Allstate customer (in an eligible state) receives the claim satisfaction guarantee when they insure with this company. Dissatisfied with the way that your claim was handled? Allstate will issue a credit of up to six-months on your car insurance premium as a way to say sorry. This service is available in selected states at no additional cost and is included in all standard policies.

Rideshare Insurance

Available in 47 states and Washington, D.C., Allstate offers Rideshare insurance to customers who drive for a ride-share service, such as Uber. Purchasing this coverage can provide superior protection that would otherwise be unavailable. Limited coverage applies between rides, but full coverage kicks in if there are passengers in the vehicle. As long as the drive-share app is turned on, the coverage kicks in.

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Allstate Home Insurance

Homeowners insurance provided by Allstate insures homes, apartments, mobile homes, and condos. Most of the home insurance policies cover not only the home, but other structures on the property that are attached, including sheds, the garage, and deck/patio. Several policies make it easy for every homeowner to find the perfect coverage for their needs. Add-on additional coverage options, including those listed below, for further protection.

Water Backup Coverage: Pays for drain backup and sump pump water damage.

Scheduled Property Coverage: Pays costs if valuable are damaged and/or stolen. This can be from a home invasion or robbery, theft from a vehicle, etc.

Electronic Data Recovery: Pays to replace lost or stolen data from a computer, including videos and photos. It is important to protect your data from this loss but when the inevitable happens, it is reassuring to know that insurance is available to recoup some of those losses for you.

Host Advantage: Allstate offers Host Advantage home insurance for individuals who use an Airbnb or similar service to temporarily rent their home. If a renter destroys the property or steals property, this coverage pays the costs. It’s one of the most affordable options to add-on to your home policy, with prices starting at just $50 per year!

Green Improvement: Covers costs of upgrading to energy-efficient home products after you’ve filed a claim. Various types of products qualify for a discount, including HVAC systems. Talk to your agent to learn more about the Green Improvement program and how to qualify.

Another discount on homeowners insurance people may not be aware of is having a home security system. This can cut insurance costs by up to 20% depending on your location and carrier. Check out our home security systems reviews to choose the best one that works for you.

 

 

Allstate Life Insurance

Term life insurance is one of the types of life insurance policies available from Allstate. With terms spanning lengths between 10 – 30 years, Allstate has an assortment of policies suitable to the needs of every person out there. Term life coverage is easier to obtain and more affordable than other options, as well as the most popular choice for most. Monthly payout and policy conversions are among the options available to term life insurance policyholders. Whole life, variable universal life, and universal life insurance are also available from Allstate.

A Look at Allstate

A.M. Best gives Allstate an A+ grade in financial strength. Allstate has a superior financial rating, giving customers assurance that their claims are handled efficiently. Some insurance companies struggle to pay out claims and this in turn affects the customer. You want to know that the insurance company you’ve chosen is financially secure and available to pay out a claim in the event that you are involved in an accident. Allstate has the financial security to put your mind at ease.

Complaints

The National Association of Insurance Commissioners reports that, in 2018, Allstate had fewer complaint calls than the median number of complaints to state regulators for home, auto, and life insurance coverage. Customers who are unhappy with an insurance company are certainly not afraid to pick up the phone and file a complaint. Allstate had fewer calls, making them a name that more people trust.

Customer Satisfaction

Allstate has good customer satisfaction ratings. A J.D. Power study revealed that Allstate ranks among the rest when shopping for coverage; about average for auto claims satisfaction; and average in home insurance and property insurance claims. Allstate works diligently to satisfy the needs of every customer.

 

Allstate Insurance Review

The Allstate Website

The Allstate website is fairly simple to use. An abundance of tools can be found on the website, providing shoppers & customers alike with a variety of services with a click. Request a quote, learn more about the Allstate brand or types of coverage, file a claim, find a local agent, and so much more, all with just a few clicks of the mouse. Website visitors will also find an abundance of resources, tips, articles, and information concerning various topics important to insurance shoppers.

The Allstate Mobile App

Remember the mobile app that we talked about earlier? Using the app chops off some of your premium costs, but there’s so much more to love about this mobile app. If you weren’t already convinced to use the app, perhaps the extras that you enjoy will sway you to click the download now button should you choose to insure with Allstate. Customers can easily create an account and login to pay their bill, manage their policy, file a claim, arrange roadside assistance, check claim status, and so much more.

Social Media

Join Allstate on social media to interact with the brand on a more personalized level. With a quick ‘follow,’ you’ll get up-to-date information and news about the company, can connect with agents, learn important insurance information, post and read reviews, and interact with others. Special deals, offers, and discounts may also be available on the insurance company’s social media pages. Allstate currently has accounts with Facebook, Instagram, YouTube, Twitter, LinkedIn, and Pinterest.

Allstate Digital Locker App

The Digital Locker app is another free app offered by Allstate. With this app, policyholders can create an inventory of the items inside their home & store them in the cloud. The easy-to-use app allows users to create lists by room, brand, or other specifications. Access the list in an emergency situation and protect yourself and your hard-earned money when filing a claim for damages.

QuickTrip From Allstate

Quick Trip From Allstate is an awesome tool that lets you get more done each day so there is more time to experience the fun that life offers. Use this free tool to find the best routes for your trip, to organize your to-do list by importance, to learn traffic conditions and so much more. The innovative, easy-to-use tool is designed to improve efficiency in your everyday life and it does a good job of doing that.

The Allstate Foundation

The Allstate Foundation is committed to empowering individuals and communities through education, programs, workshops, and more. The Allstate Foundation is dedicated to various causes, including domestic violence and at-risk youth. The Foundation began serving the needs of various causes in early 2000 and continues to make a positive impact in the lives of many people across the world. Serena Williams serves as the Purple Purse Ambassador. The Purple Purse is the Allstate Foundation’s program designed to bring awareness to domestic violence.

Allstate Safe Driving Contract

Allstate launched a program in 2007 known as the Teen Safe Driving Campaign. Teen drivers are responsible for more accidents than drivers in other age brackets. Allstate feels that earning a driver’s license for the first time is an exciting and important time in a teen’s life, but only when responsible driving is promised. The Allstate Parent-Teen Safe Driving Contract helps parents set expectations for their teen’s driving, lays out consquences for misusing those privileges, and otherwise allows parents to talk to and encourage their teens to stay safe behind the wheel of a powerful automobile.

You’re in Good Hands With Allstate

It’s the company’s motto and their promise to each and every person who insures with Allstate. That’s more than 16 million people if you’re curious. People are familiar with and trust the Allstate brand to insure them with great policies at even better prices. Customers are confident that Allstate will be there in the darkest hour, ready to ease the headaches that come along with the claims process. No matter your needs, you’re in good hands with Allstate.

There’s many options when it comes to auto insurance so it’s important that you do your research. We reviewed the best auto insurance companies out there including USAA car insurance, Travelers car insurance, Progressive car insurance, State Farm car insurance, and many more. 

FAQ

General Allstate Questions

We’ll answer the general questions people have about Allstate in this section. Use this information to give yourself a foundation for more advanced questions.

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Is Allstate insurance good?

Lots of people think so – Allstate is one of the most popular insurance companies in nearly every category. That means they have the experience and resources to handle most insurance issues.

Can I buy Allstate insurance online?

Yes – you can shop for lots of different types of Allstate insurance policies online, including homeowner, renter, auto, and more.

How is Allstate insurance rated?

Allstate insurance is generally rated fairly highly in various reviews. The company offers lots of different insurance products, so their exact rating depends on the type of insurance you’re shopping for.

How much does Allstate insurance cost?

That depends on lots of different factors, including what kind of insurance you want, where you live, and other details. Contact Allstate for a more specific answer to your question.

Who owns Allstate insurance company?

Allstate was founded as part of Seas, Roebuck, and Co. in 1931. They were spun off as an independent company in 1993.

What is Allstate insurance?

Allstate insurance is an insurance company that offers a huge range of insurance products nationwide. Their products include home, auto, life, and more insurance options.

Is Allstate insurance cheap?

Allstate insurance is generally priced near the average for the various types of insurance products it offers. You’ll need to check with them and offer more specifics to get a detailed answer to your question.

What type of insurance does Allstate offer?

Allstate offers lots of insurance products. These include homeowners, renters, car insurance, supplemental health insurance, and more.

How is Allstate insurance with claims?

Allstate has a solid track record on claims. They don’t have very many complaints against them with the BBB and customer reviews we’ve looked at are mostly positive.

How to file an insurance claim with Allstate?

There are a few options for filing a claim with Allstate. You can file a claim through their website using your account login information. You can also call your specific Allstate agent to file a claim with them directly.

Who is the CEO of Allstate insurance?

Tom Wilson is the current CEO of Allstate insurance company. The company itself is headquartered in Northfield Township, IL.

Allstate Car Insurance

Allstate is one of the biggest names in car insurance, so it’s no surprise that so many people have questions about Allstate car insurance. We’ll answer those questions here.

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Is Allstate car insurance good?

Many people think so. Allstate usually provides some of the better comprehensive insurance policies in many of the markets they work in. Make sure to compare them to local competitors to ensure you get the best deal.

Does Allstate offer gap insurance?

Yes, you can get gap insurance with Allstate. In fact, many people have found that getting gap coverage from Allstate is cheaper than getting it from a car dealership.

How much does insurance go up after an accident Allstate?

There are lots of different factors that go into determining how much your Allstate insurance rates will go up after an accident, including the nature of the accident, who’s at fault, the number of injuries, any tickets issued, and your personal driving record.

Does Allstate offer rideshare insurance?

Allstate has a Ride for Hire policy that gives you deductible gap coverage when you’re signed on to your rideshare app. The cover offers up to $2,500 for issues not covered by your rideshare organization.

Does Allstate insurance cover car rentals?

That depends on your specific Allstate policy. Most comprehensive policies will also include coverage for rental cars, however you should check your insurance agreement to be sure.

Does Allstate insurance cover windshield replacement?

In most cases, yes. In fact, Allstate will waive the deductible to repair chipped windshields if you have a comprehensive insurance policy.

How much is full coverage car insurance with Allstate?

That depends on lots of factors, like your driving record, car, location, age, and more. Check with Allstate to get a specific price for your insurance coverage.

Does Allstate insurance have roadside assistance?

Some Allstate policies include roadside coverage. You’ll need to check your specific policy to see if roadside assistance is included. It’s also possible to get reduced cost roadside assistance if your policy doesn’t cover it fully.

How much is Allstate car insurance monthly?

That depends on lots of different factors like where you live, your specific driving history, what kind of car you drive, and so on. You’ll need to check with them to see how much it will cost to cover you on the road.

Does Allstate car insurance cover cracked windshield?

In many cases yes. You’ll want to check your specific insurance agreement to make sure. However, for comprehensive policy holders, Allstate usually even waives the deductible for fixing windshields.

Does Allstate insurance cover towing?

That depends on your specific Allstate insurance policy. You should check to see if your policy covers towing. If it doesn’t, you can add towing to your policy for as little as $25 per year.

Does Allstate insure rebuilt titles?

Generally, no. However, Allstate’s policy on rebuilt titles may change from state to state and situation to situation. You’ll need to talk to an Allstate representative to find out more about your specific situation.

Does Allstate offer SR22 insurance?

Yes – Allstate offers non-preferred policies to SR-22 drivers. Additionally, you can bundle this coverage with things like homeowners and life insurance to lower your monthly costs.

Does Allstate insure motorcycles?

Yes, Allstate covers motorcycles. You’ll need to talk to them to see the specifics on what’s covered and how their motorcycle coverage works to ensure it’s right for you.

Does Allstate insure salvage titles?

Not usually. Neither Allstate or the insurance companies that it underwrites generally don’t offer insurance on salvage titles.

How much is Allstate motorcycle insurance?

Allstate offers some of the best motorcycle insurance depending on things like your driving record, where you live, and what kind of bike you drive. You’ll need to check with them for more accurate pricing information.

How long to add new car to insurance Allstate?

Usually instantly – depending on the state laws where you live, Allstate can usually add a new car to your insurance almost immediately.

Does Allstate RV insurance cover water damage?

That depends on the type of water damage and your specific policy. You’ll need to review your policy and/or talk to an Allstate agent to see if your instance of water damage is covered.

Allstate Homeowners + Renters Insurance

This section covers the most common questions people have about Allstate Homeowners insurance and Allstate Renters insurance.

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Does Allstate homeowner’s insurance cover foundation repair?

That depends on your specific policy and what caused the foundation damage. For example, most policies don’t cover damage caused by earthquakes. However, you can buy supplemental coverage for things like earthquakes to ensure your foundation is covered.

Does Allstate homeowner’s insurance cover mold?

In most cases, yes. However, Allstate usually puts a $5,000 coverage limit on claims for mold damage.

Does Allstate homeowner’s insurance cover termite damage?

Not usually. Most homeowners policies, with Allstate and other companies, don’t include termite damage as part of their basic homeowners insurance policy.

Does Allstate homeowner’s insurance cover water damage?

That depends on the source of the water damage. Many policies don’t cover things like flooding. If your water damage is the result of an uncovered event, then your policy won’t cover the damages.

Does Allstate insure log homes?

Allstate makes decisions about covering log homes on a case to case basis depending on factors like the condition of the home and the state where the home is located. You may also want to look at home warranty programs for other types of coverage.

Does Allstate homeowner’s insurance cover pit bulls?

Yes, Allstate is actually one of the few insurance companies that will extend homeowners and rental insurance to cover pit bulls.

Does Allstate homeowner’s insurance cover raccoon damage?

Usually – Allstate will usually cover repairs to the home caused by raccoons, but you’ll be responsible for any personal items or possessions that are damaged.

Does Allstate offer earthquake insurance?

Not as standard but Allstate does have supplemental earthquake insurance policies that you can obtain as part of your homeowners insurance.

Does Allstate insure mobile homes?

Allstate does insure mobile homes, but you’ll want to review your policy carefully. There are frequently more exceptions and exemptions in the coverage of mobile homes than permanent structures. Also see if you can get the best car and home insurance rates by bundling them.

How to add interested party to renter’s insurance Allstate?

It’s easy to add an interested party to your Allstate renters insurance. You’ll just need to contact your renters insurance agent and tell them you want to add a party. You can also add an interested party through your online account.

Does Allstate renter’s insurance cover bed bugs?

Almost never. While there are some exceptions, most renters insurance agreements don’t cover damages from bedbugs.

Is Allstate home insurance good?

It is according to most reviews. Allstate has been in business since 1931 and offers some of the cheapest home insurance options. They haven’t stayed around this long by being bad at offering one of their primary products.

Other Allstate Insurance Products and Questions

This section answers questions about other Allstate insurance products as well as questions that don’t fit into our other categories.

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Does Allstate offer health insurance?

Sort of – Allstate offers supplemental health insurance plans for things like critical injuries or major illnesses. However, it doesn’t offer standard health insurance policies. If you’re using medicare then you may want to check out medicare supplement plans. Other than that you can compare health insurance plans with other companies. There are also short term medical options available if this is a temporary need.

Does Allstate offer small business insurance?

Yes. Any local Allstate agent can help you set up small business insurance for your company. You can also look for an agent or a policy online.

Does Allstate sell long term care insurance?

Yes – Allstate has long-term care insurance policies that can be used to help pay for things like custodial care. Additionally, many Allstate life insurance policies can be sold to cover the costs of long-term care.

How much is Allstate life insurance?

That depends on lots of different factors like your age, health, occupation, where you live, and how much protection you want. You’ll need to speak with an Allstate agent or go on their website to get more information about your specific needs.

Does Allstate offer pet insurance?

Yes – Allstate offers comprehensive pet insurance plans that include coverage for things like accidents and illnesses.

What does Allstate critical illness insurance cover?

Allstate critical illness insurance provides a lump sum of cash to help with out-of-pocket expenses associated with critical illnesses like hospitalization and lost wages.

Does Allstate have identity theft insurance?

Allstate does offer identity theft insurance. It’s called Allstate Identity Restoration Coverage, and it helps you protect your identity and prevent loss if your identity is stolen.

Does Allstate have life insurance?

Yes, Allstate offers both term and whole life insurance policies in nearly every market it operates in. you’ll need to check with your local Allstate agent to ensure that life insurance is available where you live.

Does Allstate have travel insurance?

Yes, you can get travel insurance quotes on their website. They cover nonrefundable deposits for things related to your vacation. It also includes coverage for things like lost or stolen baggage and medical bills while you’re traveling.

Jordan Beaumont

Jordan Beaumont

Financial Guru

Jordan's work focuses on helping people reach their financial goals so they can spend more time with family and friends and less time worrying about their budget. After finishing college with a degree in Accounting and Communication, he realized that these are the most important things in life and that people shouldn’t miss out because of money.