Is Allstate Car Insurance Good? Reviews and Expert Insights

Allstate car insurance is a strong option for drivers who want broad coverage choices, a large local agent network, and substantial discounts. 

Base premiums tend to run higher than average, but bundling and safe-driving programs can close much of that gap. According to Allstate, bundling home and auto can save an average of 20%.¹

Allstate car insurance costs on average $100 per month for minimum coverage and $259 per month for full coverage. 

Your exact premium depends on your: 

• Age

• ZIP code

• Driving record

• Vehicle

• Annual mileage

• Credit history (in most states)

Drivers with limited experience, recent at-fault accidents, or moving violations should expect higher rates from Allstate, as with any carrier. The most reliable way to learn your price is to request a quote and compare it against other carriers at identical coverage limits.

According to Allstate 2024 new customer surveys, drivers who switched only their auto insurance saved an average of $900 per year,² while customers who switched both home and auto saved an average of $1000.⁵ Savings vary by state, aren’t available everywhere, and depend on how you buy.

Allstate car insurance covers the standard liability and physical damage protections, plus a longer-than-typical list of optional add-ons.

Standard coverages include:

• Bodily injury liability: Pays for injuries you cause to others.

• Property damage liability: Pays for damage you cause to another person’s property.

• Collision and comprehensive coverage: Repairs or replaces your vehicle after an accident, theft, vandalism, or weather damage.

• Uninsured and underinsured motorist coverage: Protects you when an at-fault driver carries too little insurance.

• Medical payments or personal injury protection, depending on your state.

Optional add-ons include:

• Ride for Hire, an endorsement for drivers working with platforms like Uber and Lyft.

• Sound system coverage for permanently installed audio equipment.

• Roadside coverage for towing, jump starts, and lockout service.

• Accident forgiveness, which prevents a rate increase after an at-fault accident.

• Rental reimbursement while your car is in the shop after a covered claim.

• Deductible Rewards, which reduces your collision deductible for claim-free driving.

The main pros of Allstate car insurance are its bundling savings, coverage flexibility, and agent network. The main cons are higher-than-average base premiums and a below-average 2025 claims satisfaction score.

Allstate offers discounts for safe driving, bundling policies, vehicle safety features, and payment habits. The largest savings typically come from its telematics programs and the home-and-auto bundle.

According to a 2022 Allstate announcement, activating the Drivewise program in the Allstate mobile app earns up to a 10% discount, and combined safe-driving discounts can reach 40%.⁶ Drivewise scores your speed, braking, and the time of day you drive. 

Low-mileage drivers can also save 50% over a traditional policy with Milewise, Allstate’s pay-per-mile program.⁶

According to Allstate, in some states Drivewise participation allows the company to use your driving data for rating purposes, and rates could increase with high-risk driving.⁵ Ask an agent how Drivewise works in your state before enrolling.

Other Allstate discounts include:

• Multiple policy discount for bundling auto with home, renters, or condo insurance.

• New car discount for newer model-year vehicles.

• Smart student discount for young drivers with good grades or those attending school away from home.

• Anti-theft device discount for qualifying equipment.

• Pay-in-full discount for paying the entire premium upfront.

Allstate stands out for coverage flexibility, agent access, and bundling savings, while direct-to-consumer carriers often advertise lower base rates. Which carrier is better depends on whether you value in-person service and add-on breadth or the lowest possible sticker price.

Drivers who want a local agent, plan to bundle home and auto, or want rideshare and audio equipment protection will find Allstate competitive. Drivers shopping on price alone should compare quotes from several carriers at identical coverage limits before deciding. A platform like Luva shows those prices side by side in one place.

Allstate has mixed customer satisfaction results, pairing top-tier financial strength with a slightly below-average claims satisfaction score.

Financial strength and claims satisfaction measure different things. AM Best’s rating evaluates whether an insurer can pay its claims; J.D. Power measures how policyholders experience the process — speed, communication, and settlement amounts. Allstate’s first-place Florida result shows that experience also varies by region, which is why state-level complaint data tells you more than any national score.

You can get an Allstate car insurance quote online, through the Allstate mobile app, or by contacting a local agent. The online tool typically takes about 10 minutes.

To start a quote, you’ll provide basic personal information, vehicle details, household drivers, and your driving history. Allstate presents preselected Basic, Standard, and Enhanced coverage packages, and you can customize individual coverages and deductibles to see how each change affects your price.

Before you buy, gather your current declarations page, driver’s license numbers, and VIN. Comparing your Allstate quote against two or three other carriers at the same coverage limits is the most reliable way to confirm you're getting a fair price. You can run that comparison through Luva and match coverage limits across carriers.