Allstate Car Insurance Reviews

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About Allstate Car Insurance

Allstate is an auto insurance company with a large network of agents throughout the country. It offers online quotes and provides coverage for cars, motorcycles and ATVs. You can file claims with Allstate online, and the company extends discounts for bundling multiple insurance policies.

Pros
  • Coverage in all states
  • Various discount programs
  • Innovative technological resources
Cons
  • Premium increases after first term
  • Ride for Hire not in all states

Helpful Reviews

San Diego, CA
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I have been a customer of Allstate for over 30 years.My agent Jordie ** and Assistant Dee makes sure I have the best coverage. When I had an accident, the claim was processed quic...

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Gilbert, AZ
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...after my agent retired, I started shopping around and found an Allstate agent who introduced me to a whole new world in insurance needs… Allstate's customer service has been gr...

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What is Allstate auto insurance?

Allstate offers auto, home, renters, term life, condo, motorcycle and business insurance, as well as other coverage options. Allstate’s agents give auto policyholders personalized help and technological tools like Drivewise, and the company also offers specialty policies — e.g., classic car insurance and auto coverage for travel to Mexico.

Allstate extends its specialized packages to teen drivers, students and rideshare operators. Its policies include rewards, a safe driving bonus, accident forgiveness and new car replacement. Accident forgiveness coverage ensures a driver’s rates remain the same after an accident even if it’s their fault.

Allstate auto insurance coverage

To get a quote for Allstate’s car insurance, you’ll need to provide your name, date of birth and address, as well as the year, make and model of your vehicle. You’ll pick the type of coverage you want, choosing from:

  • Collision
  • Comprehensive
  • Liability
  • Medical payments
  • Sound system
  • Roadside
  • Personal umbrella
  • Uninsured
  • Rental reimbursement
  • Personal injury protection

After choosing your coverage, you’ll set coverage limits and select deductibles (make sure you take your state laws into consideration). Policyholders have access to resources like Drivewise and rideshare insurance, and some qualify for price cuts including new car and multipolicy discounts.

Allstate auto insurance rates

Average Allstate car insurance rates vary from around $1,770 to $1,983 per year. You can claim new car, multipolicy or teen driver discounts, and the company rewards good drivers with points that are redeemable for gift cards, sweepstakes and daily deals.

Allstate’s accident forgiveness policy ensures your rates won’t increase after an accident even if it’s your fault, and its Deductible Rewards program takes $100 off deductibles after sign-up and a further $100 off each year for safe driving (up to $500). Its Ride for Hire rideshare program provides deductible gap coverage for damages up to $2,500 but isn’t available in every state.

» MORE: How much is car insurance?

Allstate auto insurance FAQ

How much does Allstate car insurance cost?

Cost depends on various factors, including the driver’s age and car model. For example, a 25-year-old driver will pay between $2,000 and $2,100, a 35-year-old driver will pay around $1,850 and a 60-year-old will pay about $1,750. The average cost per annum is $1,880.

Does Allstate have comprehensive car insurance coverage?

Yes. Its comprehensive coverage is for damage related to vandalism, hail, fallen trees, theft and other circumstances.

How far back in your driving record does Allstate look?

In most cases, Allstate checks your record up to five years prior.

How can I lower the price of my Allstate car insurance?

You should avoid getting speeding tickets, consider changing your coverage and focus on safe driving. You might qualify for bonus rewards, which reduce rates for responsible drivers. You can also get discounts for signing multiple policies, buying a new car or achieving good grades. Setting higher deductibles or parking your car in a garage will also lower your premiums.

How do you file a claim with Allstate?

You can file a claim with Allstate over the phone, on the website or through the mobile app. Be sure to collect information about the incident prior to filing a claim such as the date, time, location, photos and the information of other parties involved.

Still have questions?

Is Allstate car insurance good?

Allstate offers an easy-to-file claims process, and its services are available nationwide. While its rates can be a bit costly compared to competitors’, Allstate’s auto insurance is a solid option for drivers looking for convenient and accessible coverage with several policy options and flexible add-ons.

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Allstate Car Insurance Reviews

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    Page 1 Reviews 0 - 10
    CoverageStaffHonesty & Transparency

    Reviewed May 18, 2026

    I had Allstate for home and car. I discovered recently that Allstate car insurance I was paying double compared to other insurances. Also, their staff not knowledgeable about their products misleading customers. One particular agency is Christine ** insurance located in Manassas VA. I complaint to corporate office and also changed my insurance. KEEP AWAY FROM ALLSTATE. The company overcharge customers and above all they DO NOT KNOW WHAT THEY ARE DOING.

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    MaintenanceStaff

    Reviewed May 16, 2026

    Have rain pouring in our house and Allstate isn’t helping us at all. Said they’d fix the drywall which would literally just get soaked all over again. They won’t help because they can’t see damage to our siding, even though rain is pouring in multiple places on one wall of our home suddenly. Estimates repair is $15K. They won’t help us at all.

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      Verified purchase
      Customer ServiceContract & TermsCoveragePriceRates

      Reviewed May 13, 2026

      You're NOT in good hands with Allstate. Consumer beware. I've been a customer for 11 years - auto, home and life. Paid premium prices for comprehensive auto insurance. Bought a used vehicle on December 30, 2025 in pristine condition for a good price at fair market value ($21.500). I drove it less than 100 miles and on Jan 25, 2026 an interior fire from a heater blower caused enough damage that Allstate deemed it a total loss.

      After several emails and hours of attempting to reach a reasonable agreement, their best settlement offer was $18,500. DON'T BE FOOLED AND READ THE FINE PRINT. They use a company called CCC One to give their valuations and justify low market value. When I challenged the claims adjuster comparables (he just included more of the same). In other words, he sent me 22 "comparable" vehicles that had significantly higher mileage, different motor, style and features. They don't recognize the valuations of Kelly Blue Book, NADA, Edmonds, JD Powers, etc. I talked with the state insurance commission, an attorney and several auto dealers - all agreed that Allstate's valuations were low but protected by the FINE PRINT. The good news is this... I've easily switched to State Farm and will be saving +/- $300 a month for auto and home insurances. If you are considering them, don't.

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      Customer ServiceCoverageTechPriceRefunds & PayoutsRates

      Reviewed May 11, 2026

      I had a horrible experience with Allstate. They aren't my insurance provider but I dealt with them because a person insurance with them hit my vehicle. I should have known they were up to NO good when they asked me the innocent bystander to pay for the rental car and then claimed I would be reimbursed for it. In hindsight I should have been told in the initial phone call when asked what body shop I would be using and them setting up a reservation for me with Enterprise of a daily rate they were going to cover. I wasn't provided this information. Enterprise didn't have a car available which I would assume is what they only cover at full price, even thought I drive a nice pickup truck. So since I was given a daily rate I assumed they would cover whatever vehicle was available at the time at full price. I was so very wrong.

      I just got notified that I'm only getting a fraction back because of they daily rate they cove or the "National minimum amount stated by the state" something to that effect the manager said. During the long conversation we had he acknowledged they dropped the ball but he was unwilling to make it right. Please be careful when dealing with Allstate. They will not budge even if you have a solid argument on how you're right and they are wrong.

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      Customer ServiceRefunds & PayoutsStaffBilling

      Reviewed May 8, 2026

      My overall experience was fairly good until this past year. I change to a different company, and my mortgage company sent the renewal payment to Allstate after my cancellation in error. Since March the check was sent, and Allstate staff has confirmed the check was cashed 4/6/26. I have called multiple times a week. I have reach out to my mortgage company they have provided proof of the canceled check and to date 5/8/26. Allstate refuses to return the payment to me or my mortgage company. Every call is a different reason why they can locate the money to return it.

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      Customer ServiceCoverageSales & MarketingPricePunctuality & SpeedOnline & AppStaffBillingEase of UseTransparencyValue

      Reviewed May 8, 2026

      ALLSTATE IS HORRIBLE!!! DON'T DESERVE EVEN 1 STAR!!!! First they don't provide you with the correct policy & payment info. I was quoted one thing, and billed entirely different. I asked was roadside included in the quote and was advised yes, then months later discovered this was a separate payment and was auto enrolled by an Allstate rep directly. I've never been able to login for roadside assistance, but they were taking my money using the payment info provided to start the policy and never advised me. Fast forward to today, and I'm finding out the policy cancelled. There was no call to try to keep me as a customer, but still took my money for roadside assistance.

      The app is also horrible. It's not very user friendly and doesn't offer as many options to keep info updated as other insurance app do. Customer service is THE WORST. Every rep is quick to say they have been doing this for more than 5 years, but never get it right. Every rep tells you something different then blames the prior rep for giving inaccurate information. Every rep is always apologetic for prior experienced rep, which is crazy if you have years of experience, what are you constantly apologizing for. Keep in mind, I've only had the now cancelled policy for less than 1 year, and it's no way I'm going to continue. It would have been nice to have been a valued customer, but clearly that was not considered. Please don't waste your time or money. It is not worth it.

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      CoverageSales & MarketingPriceRefunds & PayoutsStaffBillingCommunication

      Reviewed May 6, 2026

      I purchased renter's insurance from Allstate last December. I was supposed to be paying $22.89 monthly through automatic payment withdrawal. A few months in, they stopped billing me, then sent me a notice of cancelation due to nonpayment. Next thing I know, I'm being contacted by a collection's agency for this outstanding balance of $45. When I tried to contact Allstate, I couldn't get through their automated system with any department accept sales. I had to speak to five different people over two hours in an attempt to dispute the matter. Finally, an 'executive insurance agent' told me they refunded me the last payment I made, then tried to bill me for two months at once. So they tried to charge me $45 at one time when they were supposed to be taking $22.89. She said my bank rejected it, which makes sense, but I was never notified of anything from my bank.

      Also, there was always more than enough money in my account for this bill; plus, I have overdraft protection, so what she said makes absolutely no sense at all. The woman I spoke to would barely let me speak as she basically explained how Allstate didn't do anything wrong, so I couldn't file a dispute. I'm going to have to pay this collections agency $45 I don't owe; otherwise, it will negatively affect my credit score. I feel bullied and swindled. You are NOT in good hands with Allstate.

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      Customer ServiceCoveragePricePunctuality & SpeedMaintenance

      Reviewed May 1, 2026

      Their insured lost control of his vehicle, literally uprooting my custom mailbox, wiping out 50 feet of mature landscaping and taking down a portion of chain link fencing. Allstate has been the worst to deal with. I have taken time off of work to get estimates which either they don't show up or call back to even schedule. I've emailed a bunch of photos and sent estimates of people who DID show up to quote the repairs. Allstate finally paid a partial claim sending it to my credit union that I haven't done business with in over 15 years, even though I still have my IRA's and VISA with them. My Zelle account is tied to my Wells Fargo Bank, so I have no idea why they sent it to my CU account?

      They don't ask you what bank to send to, they use your email or telephone number of which BOTH are tied to my Wells Fargo Zelle Account? Now I am fighting to get the other half of the claim paid that they said they never received?? The whole claim was sent together. Push comes to shove, I will sue the insured in small claims and Allstate will have to defend him and pay the claim. When I read the other complaints, it makes me wonder how they stay in business! My best guess is they wear you down, hoping you'll settle for less or just go away...What an ordeal. Allstate is the worst.

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      CoveragePriceStaff

      Reviewed April 28, 2026

      I am joining the crowd in encouraging everyone to NOT use Allstate insurance for coverage. Their policies are disrespectful to their own insured customers and those persons unfortunate enough to be involved in an auto accident with an Allstate customer. Four weeks after being struck by Allstate insured driver, I cannot get any positive resolution for repair of my car. Allstate has a police report indicating their insured is at fault but will not proceed to have an adjuster evaluate repairs. Review after review indicates they delay and devalue claims for all parties involved. Avoid Allstate at all costs.

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      CoveragePriceMaintenanceBilling

      Reviewed April 23, 2026

      If I could only put a 0. Customer over 15 years. Got my car stolen and they dragged their feet and picked apart my policy to only give me $3,000 on a stolen car that was still worth $10,000. Then my roof needed replaced at $25,000 and did the same thing and gave me $6,000 and claimed that it was changing policies across the company on roof coverage. Now a year after canceling they are sending over to collections a $300 bill trying to say my last payment was returned and I still owe another month.

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      Allstate Car Insurance Company Information

      Company Name:
      Allstate Auto Insurance
      Website:
      www.allstate.com