Allstate Auto Insurance Review

Last Updated on October 16, 2026

By James Shaffer Reviewed by Thomas Rockford, insurance industry executive and financial analyst, on October 13, 2026 How we fact-check

Allstate is a major property and casualty insurer that sells auto insurance in all 50 states and Washington, D.C. (with separate operations in Canada). Launched on April 17, 1931 by Sears executives, Allstate went public in 1993 when Sears sold 19.8% of it, and became fully independent two years later when Sears spun off its remaining shares, per the company’s own history page. Today, it’s best known for its large agent network, strong digital tools, and a wide menu of optional coverages.

Allstate can be a good fit if you want lots of customization (add-ons like accident forgiveness and pay-per-mile insurance) and you value a big-name insurer with multiple ways to buy and manage a policy. The biggest downside is that Allstate often prices above some competitors for many driver profiles—so comparing quotes is essential.

Our Rating of Allstate Auto Insurance

A nationally available insurer with extensive coverage options and agent support.

3.7

out of 5

★★★☆★☆

Checked October 14, 2026 · How we score insurers

Customer satisfaction: we couldn’t confirm a 2026 J.D. Power rating for Allstate, so it gets an average score for this part.

Nationwide availability Exclusive agents Robust coverage add-ons

Summary

Bottom line: Allstate offers broad coverage and strong agent support, but premiums can be higher than average for some drivers.

Allstate Auto Insurance provides a wide range of standard and optional coverages, along with multiple discount opportunities and both agent-led and digital service options. While its nationwide reach and policy flexibility appeal to many drivers, pricing may not be as competitive as some regional or direct-to-consumer insurers.

Best for

Drivers who want a large, well-established national insurer
People who prefer working with a local insurance agent
Households looking for optional coverage add-ons

Not ideal for

Price-sensitive shoppers seeking the lowest premiums
Drivers who want a fully digital, no-agent experience
People satisfied with basic, no-frills coverage

Table Of Contents

Our Rating of Allstate Auto Insurance
Allstate Auto Insurance at a Glance
Types of Auto Insurance Coverage Offered by Allstate
What Makes Allstate Auto Insurance Stand Out?
How Much Does Allstate Auto Insurance Cost?
Customer Experience, Claims, and Financial Strength
Pros and Cons of Allstate
FAQs on Allstate Auto Insurance
Final Word on Allstate
Sources

Allstate Auto Insurance at a Glance

Best for: Drivers who want lots of optional coverages, robust online/app tools, and potential savings from bundling.
Not ideal for: Shoppers who want the lowest price with minimal effort—Allstate is often competitive only after discounts and bundling.
How to buy: Online, by phone, or through a local agent.
Good to know: Availability, pricing, discounts, and program features vary by state.

Types of Auto Insurance Coverage Offered by Allstate

Allstate offers the core coverages you’d expect from a large insurer, plus a long list of optional add-ons. Your exact options depend on your state, vehicle, and policy setup.

Core Coverage Types

Liability Coverage: Pays for injuries and property damage you cause to others in a covered accident (required in most states).
Collision Coverage: Helps repair or replace your car after a crash, regardless of fault (typically required by lenders/lessors).
Comprehensive Coverage: Helps pay for non-collision losses like theft, vandalism, hail, falling objects, and animal strikes.
Uninsured/Underinsured Motorist Coverage: Helps protect you if you’re hit by a driver with no insurance (or not enough insurance), depending on state rules and your policy terms.

Popular Optional Add-Ons

Allstate also offers a variety of add-ons that can make a policy more “complete,” especially if you drive a newer car, commute often, or want extra convenience.

Rental Reimbursement Coverage: Helps pay for a rental car (up to your daily/total limits) if your vehicle is in the shop for a covered claim.
Gap Insurance: Can help cover the “gap” between what your vehicle is worth and what you owe if it’s totaled (common for newer financed/leased vehicles).
Accident Forgiveness: May prevent your premium from increasing after your first at-fault accident (eligibility and rules vary by state and policy).
Other options may include: roadside assistance, rideshare endorsements, deductible-related perks, and more (varies by state). If you want new-car replacement or custom equipment coverage, ask your agent whether it’s available on your policy.

What Makes Allstate Auto Insurance Stand Out?

Allstate offers the benefits you’d expect from a large insurer—multiple ways to buy coverage, lots of policy add-ons, and strong digital tools. But Allstate’s biggest differentiators tend to be its usage-based and pay-per-mile options, plus the overall “menu” of optional coverages available in many states.

Drivewise (Usage-Based Insurance)

Allstate’s telematics program is Drivewise. Depending on your state, you may earn savings (or rewards) by enrolling and driving safely. Learn how it works here: Drivewise.

Milewise (Pay-Per-Mile Insurance)

If you drive far less than average (remote work, short commutes, second car, retirees), Allstate’s Milewise product may be worth a look. With pay-per-mile insurance, your costs can better match your actual driving. Here’s our deep dive: Milewise.

Privacy note: Telematics programs collect driving-related data. If you’re considering Drivewise or Milewise, review the program terms and privacy policy so you’re comfortable with what’s collected and how it’s used.

How Much Does Allstate Auto Insurance Cost?

Allstate pricing varies significantly by state and driver profile. In NerdWallet’s October 2026 rate analysis, which prices a 35-year-old with a clean record and good credit, Allstate’s full coverage average was $3,210 a year against a national average of $2,361, and above GEICO ($2,020), Progressive ($2,277), State Farm ($1,985) and Travelers ($1,652). That is one analysis of one driver profile; discounts, bundling, and telematics options can narrow the gap or make Allstate competitive for certain people.

To keep this article evergreen: focus less on any single “average premium” number and more on what drives your quote—your location, driving history, age, vehicle, annual mileage, coverage limits, and deductibles. Even two drivers in the same ZIP code can get very different rates.

Ways to Lower Your Allstate Quote

Compare quotes: Get at least three quotes (including Allstate) and compare the same coverage limits/deductibles.
Bundle policies: Bundling can be one of the largest savings levers for many households. Here’s how bundling typically works: bundle auto and homeowners insurance.
Ask about all discounts: Allstate has many potential discounts, but eligibility varies by state and situation. Start here: Allstate auto insurance discounts.
Right-size coverage: Consider higher deductibles if you can comfortably afford them after a claim, and review optional add-ons you may not need.
Re-shop regularly: Many drivers can save by comparing rates at renewal (especially after big life changes like moving, marriage, or buying a new vehicle).

Customer Experience, Claims, and Financial Strength

Allstate generally offers a smooth policy-management experience with online account tools, a mobile app, and multiple ways to file and track claims. Claims satisfaction can vary by region and by the type of claim, so it’s smart to check local feedback (and compare quotes and coverage details side-by-side).

For third-party benchmarking, J.D. Power’s auto insurance rankings are a helpful reference because they compare carriers across regions and categories like price, service, and digital experience.

Financial strength ratings matter, too—especially if you want confidence that an insurer can pay claims at scale. AM Best rates Allstate Insurance Company A+ (Superior) with a stable outlook, affirmed effective September 2, 2026. Learn more about what these grades mean here: A.M. Best ratings.

Pros and Cons of Allstate

Pros

Strong selection of optional coverages and customization in many states
Drivewise and pay-per-mile options can be attractive for certain drivers
Large agent network plus solid online/app account tools
Multiple ways to file a claim and manage a policy

Cons

Often priced higher than some competitors before discounts
Discounts, savings, and add-on availability vary widely by state
Telematics isn’t for everyone (data collection and driving-score impacts are a personal preference)

FAQs on Allstate Auto Insurance

Is Allstate auto insurance available in all states?

Yes—Allstate sells auto insurance in all 50 states and Washington, D.C. However, specific coverages, discounts, and programs (like pay-per-mile insurance) can vary by state.

What coverages does Allstate offer?

Allstate offers standard auto insurance coverages like liability, collision, and comprehensive, plus optional add-ons like rental reimbursement, roadside assistance, gap insurance, and more. Your exact options depend on your state, vehicle, and policy, so ask your agent about anything else you need, such as custom equipment coverage.

What’s the difference between Drivewise and Milewise?

Drivewise is a usage-based program that tracks driving behavior (like braking and time of day) to potentially earn savings or rewards. Milewise is a pay-per-mile product designed for low-mileage drivers, where part of your cost is based on how much you drive. Availability and rules vary by state.

Does Allstate offer accident forgiveness?

In many states, yes. Accident forgiveness may be available as an add-on or as a benefit for eligible safe drivers, and it can help prevent your premium from increasing after a first at-fault accident. Eligibility rules and limitations depend on your policy and state.

Does Allstate offer gap insurance?

Allstate offers gap insurance in many states for eligible vehicles. It can help if your car is totaled and you owe more on your loan or lease than the vehicle’s actual value. It’s most useful for newer financed or leased vehicles.

How do I file an auto insurance claim with Allstate?

You can typically file a claim online, through the mobile app, or by phone. Have your policy number, basic accident details, photos (if available), and any police report information ready. Claim options and steps can vary by state and claim type.

How can I lower my Allstate car insurance premium?

Start by comparing quotes with the same coverage limits, ask about every discount you qualify for, consider bundling policies, review your deductibles, and re-shop periodically. If you drive less or drive safely, programs like Milewise or Drivewise may also help if available in your state.

Final Word on Allstate

Allstate is a strong, flexible insurer with lots of coverage options and nationwide availability. If you like the idea of Drivewise or a pay-per-mile option, or you plan to bundle multiple policies, Allstate is worth a quote. But because pricing is often higher than some competitors for many drivers, it’s smart to compare several carriers at the same coverage limits before you buy.

My advice is to quote Allstate with the bundle and without it, and to read the quote the agent hands you line by line rather than the total. Allstate’s add-ons are good and they are also where a competitive-looking quote picks up cost; take the ones you would actually use, decline the ones you can’t explain, and compare the bundled and standalone totals against two other carriers at the same limits, counting the value of any add-on you want, before you decide.

Allstate Contact Information

Need to reach Allstate? Start with the basics below, then confirm the best number for your policy and state. You can also find more options here: Allstate customer service contact information.

Claims (listed on Allstate’s auto claims page for callers without an online account): 1-800-ALLSTATE (1-800-255-7828)
Roadside assistance (listed on Allstate’s roadside page): 1-800-347-8880
Website: Allstate.com

Sources

Checked October 13, 2026

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