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

Gainesville, FL
Verified purchase
Completely useless insurance company. My legally parked car was hit by another driver while I was inside a restaurant. The driver admitted fault, found me inside, and we exchanged...

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Gilbert, AZ
Verified purchase
...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.

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
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    Customer ServiceCoveragePricePunctuality & SpeedRefunds & PayoutsBilling

    Reviewed July 7, 2026

    Allstate is the worst insurance company in Michigan. I pay my bill on time. I noticed that it was an extra charge this month so I caught and spoke to someone. They said they noticed that my son had his own vehicle. I told them that my son has his own insurance when I signed up for the insurance. I submitted the paperwork. They still charge my bill without notifying me while we find my money back. I sent them proof saying that he has insurance through them. Might add this company is so money hungry they just take people money and ask questions later. So this won’t happen to you guys make sure you call it every month to make sure your bill is OK because that’s what I have to do going forward. This is the worst company. Then I asked to speak to a supervisor. Request a call back within 24 hours and if they don’t call you back within 24 hours, you have to call them back. This is truly sad. I am very upset.

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    Customer ServiceCoveragePriceRefunds & PayoutsStaffBilling

    Reviewed June 28, 2026

    I was rear ended on 5/22/26 by a driver with Allstate insurance who took fault at scene and stayed and gave info. I filed a claim with Allstate and it took them 10 days to accept liability so I was without any form of transportation for 10 days until 6/1/26 as my car was not safe to drive and they wouldn’t give me a rental until liability was accepted. They didn’t care that I expressed I was a single mom who needed to get my 5 year old around and get to work (I had to miss 3 days of work during this because of no transportation), that this wasn’t my fault in the first place, that the policy report clearly put the Allstate driver at fault (he also took fault at the scene) or that my 5 year old was in the car during this accident and that we were both very shaken up from the whole thing.

    Then, they tried to say I had to pay out of pocket for the rental which just a week was $730 - if I could afford that I would have just paid my deductible and went through my insurance. So I had to talk to a supervisor to get the switched to direct billing. Then I had to follow up 3 times to have them actually do direct billing after telling me they would. Then days after I get my rental, my car still hadn’t been towed to a shop yet and I had to keep calling in to remind them to come get it. The body shop sent them the estimate on 6/4/26 and Allstate kept saying they never received the estimate or that stuff was missing for almost 2 weeks. No one wanted to give me any information or call me back despite me leaving multiple messages and my adjuster kept going on vacation.

    Finally on 6/15/26 I called my insurance (Geico) and explained my situation and they took over the claim without me having to pay my deductible. It was only after Geico let Allstate know they were taking over the claim when Allstate FINALLY called me back. Geico had my car deemed a total loss within 1 week of taking over the claim and they had my old car paid off, the difference deposited into my account and I had a new car within 2 weeks of taking them taking over the claim. Do NOT get Allstate. They will continuously try to say they understand what you’re going through and that they are there to help but it’s all bull crap and they will not help you at all. Shame on you Allstate, being one of the biggest auto insurances around and you don’t give a flying crap about anyone.

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      Customer ServicePunctuality & SpeedStaff

      Reviewed June 22, 2026

      An Allstate customer hit my car while speeding on the side of a shoulder, cited by Florida Highway Patrol.. I have called to talk to at least 7 representatives. I had to tell my story three times to multiple people. When I just spoke with a new representative, she hung up. The second one said I had to wait until 6.30.2026. The man who was my representative transferred me to another man who I had left two voicemails to last week. He apparently is now out of the office until 6.30.2026. Today is 6.22.2026. He caused my Toyota to be undriveable on 6.11.2026. I understand accidents happen, yet follow up. I am a teacher. I don't have multiple vehicles. I don't have another vehicle. All State has been the worst experience. Now they are saying, I have to pay 50% of the damage to my vehicle. It had nothing wrong with it. Flabbergasted. I would not in a million years recommend Allstate. I am totally disappointed in your company's customer service.

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      Customer ServiceCoverageStaff

      Reviewed June 14, 2026

      I am 80 years old, I can't get a live person on the phone. I can't even have help online through chat even with my grandson's help. Then they tell us that once a policy is set for pay in full. It can never be changed to autopay for the home insurance.

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      Customer ServicePriceStaffBillingRates

      Reviewed June 10, 2026

      Recently I cancelled my Allstate policy. Before cancellation I called agent office to find out if I would be charged a”short rate” fee/penalty. The agent for the other company also called and we were both told there would be no short rate penalty. However, I was billed & paid a short rate penalty. Had I been informed of this penalty it would have influenced my decision about changing companies. When I was able to speak with the agent I was told the person in the office just didn’t know the policy. I would suggest Allstate do a better job to inform agents of policies. Thank you

      Sallie ** Cancelled policy

      # **

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      Customer ServiceCoveragePunctuality & SpeedStaff

      Reviewed June 5, 2026

      Very disappointed in All State. We've had insurance for years with them so I advised my son to get his insurance through them. He does. They have left him hanging for over 6 months with a vehicle that he had taken in for repair after a deer hit and the place he took it to bent his frame and never said a word! Now All State has been giving him a run around and NOT returning his phone calls in a timely manner meaning weeks go by before returning his calls. Now they raised his insurance another 74.00 a month. It amazes me how fast they'd drop you if you didn't pay your premium on time but they can dawdle around for as long as they feel like. I think it's time for a change in insurance.

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      Customer ServiceCoverageTechPricePunctuality & SpeedStaffBillingRatesTransparencyResolutionHonesty & Transparency

      Reviewed June 5, 2026

      ⭐ 1 Star – Absolutely Terrible Experience. My experience with Allstate was nothing short of a nightmare. I originally chose them for insurance coverage, but over time, my premiums continued to increase to the point where I simply couldn’t justify staying with them. After finding a better and more affordable insurance company, I made the decision to switch providers.

      To avoid any issues, I waited until the end of my policy period and followed the proper cancellation process. I thought everything was taken care of. Then, out of nowhere, Allstate charged me an additional $135 after my policy had already been cancelled. When I contacted them, they claimed it was for the remaining cost of coverage for the last few days of the policy. Their explanation was confusing, inconsistent, and made very little sense considering the timing of my cancellation.

      What truly pushed this experience from frustrating to infuriating was the complete lack of customer service. I spoke with multiple representatives, hoping someone would take the time to review the situation and help resolve the issue. Instead, I was met with indifference, scripted responses, and absolutely no effort to assist me. Every conversation felt like they were more interested in defending the charge than helping a customer understand or resolve the problem.

      The entire situation left me feeling completely ripped off. Charging customers unexpected fees after cancellation is bad enough, but refusing to properly address concerns or provide meaningful support is unacceptable. It felt like once I decided to leave, Allstate no longer cared about treating me fairly. This experience destroyed any trust I had in this company. Between the excessive premiums, the surprise charge, and the useless customer service, I can confidently say this has been one of the worst experiences I’ve ever had with an insurance provider.

      I will never do business with Allstate again, and I would strongly discourage anyone considering them from signing up. There are plenty of insurance companies out there that offer better rates, better communication, and actually value their customers. Save yourself the headache, frustration, and unexpected charges—look elsewhere. Based on my experience, Allstate was expensive, unhelpful, and unwilling to take responsibility when billing concerns were raised. One of the easiest one-star reviews I’ve ever given.

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      Customer ServiceCoveragePricePunctuality & SpeedRefunds & PayoutsStaffTransparencyTimeliness

      Reviewed June 3, 2026

      This has been, without a doubt, the worst experience I have ever had with an auto insurance company. I called Allstate simply to ask for a quote and review the premium for one specific vehicle on my policy. During that call, the representative removed one of my vehicles from my policy without my authorization, without informing me, and without obtaining any confirmation from me. I only discovered this by accident when I later checked my policy online.

      When I contacted Allstate to ask why my vehicle had been removed, the representative added it back. However, after the vehicle was restored to the policy, my monthly premium suddenly increased by approximately $200 within minutes. I was then told that I might be responsible for paying the higher amount even though the issue was caused by an Allstate representative.

      Over the next two days, I spent countless hours trying to resolve this situation. I spoke with approximately 15 different representatives. Some transferred me repeatedly after long conversations, some told me that an investigation was ongoing, and others could not provide any clear explanation or solution. Most concerning, I experienced multiple calls being disconnected after spending significant time explaining the issue.

      During my most recent call, I spent over 30 minutes with a representative while he reviewed my account. After placing me on hold and continuing to “look into it,” the call was simply disconnected. I am extremely disappointed by the lack of accountability, poor customer service, and the inability to correct an error that was made by your own employee. Customers should not have to pay for mistakes made by Allstate representatives, nor should they have to spend days trying to get a straightforward issue resolved. Based on this experience, I cannot recommend Allstate to anyone.

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      Coverage

      Reviewed June 1, 2026

      This company is terrible. They cover nothing and pretty much tell you that you are on your own.

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      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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      Allstate Car Insurance Company Information

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