Allstate Insurance Review 2025
Allstate is known for its strong financial backing, wide range of insurance products, and standout features like accident forgiveness and Drivewise®—its telematics program. With a long-standing reputation for customer service and nationwide availability, Allstate is a solid choice for many drivers and homeowners. We give it 4 out of 5 stars.
At a Glance
- Available in all 50 states
- Offers auto, home, renters, and life insurance
- Strong financial strength ratings (A+ from A.M. Best)
- Drivewise® rewards safe driving habits
- Accident forgiveness available
- Multiple discount opportunities
- Local agents nationwide
- Robust mobile app and online tools
Allstate stands out for its long-standing reputation, strong financial stability, and wide selection of insurance products. What we like most is its combination of traditional customer service through local agents and modern conveniences like a top-rated mobile app and usage-based programs such as Drivewise®. Customers looking for flexibility and rewards for safe driving will appreciate these options.
Allstate also offers accident forgiveness and bundling discounts, making it a practical choice for families or multi-policy holders. While its life insurance selection is more limited compared to specialized providers, its auto and home insurance products are highly competitive. Users who value a balance of personalized support and digital tools will find Allstate a dependable and well-rounded option in the insurance marketplace.
Benefits & Drawbacks
⇅- Wide range of insurance products and bundling options
- Strong financial ratings and nationwide availability
- Drivewise® rewards safe driving behavior ✓
- Premiums can be higher than some competitors
- Limited life insurance policy options
- Some customers report inconsistent claims experiences ✘
Is Allstate Good? Insuranceopedia’s Take
Yes, Allstate is a good insurance company. It’s known for its strong financial foundation, user-friendly mobile app, and comprehensive coverage options across multiple insurance types. Allstate also excels in offering unique add-ons like new car replacement, identity theft protection, and optional coverage upgrades that allow for greater policy customization.
The company’s widespread network of local agents offers a personalized touch, while its digital tools provide modern convenience for policy management.
Customer reviews are generally positive, with many praising the responsive customer service and ease of managing policies online. However, like most large insurers, Allstate has received some complaints—mostly related to pricing and claims experiences. Overall, it remains a solid and reliable choice in the insurance market.
Reviews By Product
Select one of the policy types below to find out more
Allstate Auto Insurance Review
Allstate’s auto insurance is a strong choice for drivers looking for flexible coverage options, a variety of discounts, and helpful features like accident forgiveness and the Drivewise® program. It’s especially appealing to safe drivers and those who prefer working with a local agent.
While premiums may be higher than some competitors, the company’s strong financial backing and reliable claims support make it a dependable option for auto insurance coverage.
Auto Insurance Cost
Allstate’s auto insurance cost averages around $1,988 per year, which is higher than the national average of approximately $1,700 annually. This puts Allstate on the more expensive side for car insurance, particularly for drivers without discounts or those with less-than-perfect driving records.
However, Allstate can be more affordable for safe drivers who use the Drivewise® program, policyholders bundling multiple products, and those eligible for discounts like good student or new car discounts.
It tends to be more expensive for young drivers, high-risk drivers, and those living in areas with high accident or theft rates. While not the cheapest provider, the value comes from its customer service, claims support, and added features.
Average Rates By Age
| Age | Allstate Average Monthly Cost | Allstate Average Annual Cost |
| 16 | $660 | $7,920 |
| 17 | $590 | $7,080 |
| 18 | $520 | $6,240 |
| 21 | $330 | $3,960 |
Average Rates By Driver Profile
| Driver Profile | Allstate Avg. Monthly Cost | Allstate Avg. Annual Cost | National Avg. Annual Cost |
| Good credit & clean record | $140 | $1,680 | $1,470 |
| Poor credit | $215 | $2,580 | $2,150 |
| One recent accident | $190 | $2,280 | $2,180 |
Is Allstate Car Insurance Expensive Compared To Other Companies?
| Company | Average Monthly Cost | Average Annual Cost |
| Allstate | $165 | $1,980 |
| State Farm | $130 | $1,560 |
| GEICO | $115 | $1,380 |
| Progressive | $140 | $1,680 |
Allstate Auto Insurance Coverage
Allstate offers standard auto insurance coverage along with optional add-ons to customize your policy based on your needs.
- Liability (bodily injury and property damage)
- Collision coverage
- Comprehensive coverage
- Uninsured/underinsured motorist protection
- Medical payments or personal injury protection (PIP)
The company also includes extra features and tools that provide added value and flexibility.
- Accident forgiveness
- New car replacement
- Rental reimbursement
- Roadside assistance
- Sound system insurance
- Drivewise® program for safe driving rewards
- Deductible rewards for accident-free driving
Pros & Cons Of Allstate Car Insurance
Pros
- Wide range of coverage options and add-ons
- Strong mobile app and digital tools
- Safe driving rewards through Drivewise®
Cons
- Higher premiums than many competitors
- Discounts vary by state and may be limited
- Mixed reviews on claims satisfaction
Allstate Car Insurance Discounts
- Drivewise® Discount – Earn rewards for safe driving habits through the mobile app.
- Multi-Policy Discount – Save when you bundle auto with home, renters, or life insurance.
- Safe Driver Discount – For drivers with a clean driving record over the past few years.
- Good Student Discount – Available for full-time students with a B average or better.
- Anti-Theft Device Discount – For vehicles equipped with approved anti-theft systems.
- New Car Discount – Lower rates for vehicles that are less than three years old.
- Early Signing Discount – Get a discount if you sign up for a policy at least seven days before it starts.
- EZ Pay Plan Discount – Save by setting up automatic payments.
- Full Pay Discount – Get a discount for paying your premium in full upfront.
Allstate Home Insurance Review
Allstate’s home insurance offers solid protection with flexible coverage options and useful add-ons that can be tailored to your needs. It’s a strong choice for homeowners looking for dependable service, a wide range of discounts, and digital tools to manage their policy with ease.
Allstate also stands out for its claims-free rewards and optional coverage like identity theft restoration, making it a well-rounded option in the homeowners insurance market.
Allstate Homeowners Insurance Quotes
Allstate’s home insurance costs an average of $1,635 per year, or about $136 per month, which is slightly higher than the national average of around $1,428 annually.
Allstate tends to be more affordable for bundled policyholders, homeowners with newer properties, and those who qualify for discounts like claims-free status or installing protective devices.
However, it can be more expensive for older homes, high-risk areas, or customers without bundling options. Despite the cost, the company offers strong coverage and helpful features that may justify the higher premium for many homeowners.
Is Allstate Home Insurance Expensive Compared To Other Companies?
| Company | Average Monthly Cost | Average Annual Cost |
| Allstate | $136 | $1,635 |
| USAA | $117 | $1,400 |
| State Farm | $125 | $1,500 |
| GEICO | $120 | $1,440 |
Allstate Home Insurance Discounts
- Multi-Policy Discount – Save by bundling your home insurance with auto, renters, or life insurance.
- Claim-Free Discount – Get a lower rate if you haven’t filed a recent home insurance claim.
- Protective Device Discount – Earn savings for installing smoke detectors, security systems, or other safety devices.
- Early Signing Discount – Discount for signing your policy at least 7 days before it begins.
- Home Buyer Discount – Available for recent homebuyers or those purchasing a newly constructed home.
- Automatic Payment Discount – Save by setting up automatic premium payments.
- Welcome & Loyalty Discount – New customers and long-term policyholders may qualify for extra savings.
Allstate Home Insurance Coverage
Allstate offers standard homeowners insurance along with optional coverages to customize your policy. Here are the main types of coverage available:
- Dwelling Coverage – Pays to repair or rebuild your home if it’s damaged by a covered event like fire, wind, or hail.
- Other Structures Coverage – Covers detached structures such as fences, sheds, and garages.
- Personal Property Coverage – Protects your belongings, such as furniture, clothing, and electronics, whether they’re in your home or temporarily elsewhere.
- Liability Protection – Helps cover legal expenses and damages if someone is injured on your property or you accidentally cause damage to someone else’s property.
- Guest Medical Protection – Covers medical bills if a guest is injured in your home, regardless of who’s at fault.
- Loss of Use Coverage – Pays for additional living expenses if your home becomes uninhabitable due to a covered loss.
Optional add-ons include:
- Water Backup Coverage
- Identity Theft Restoration
- Scheduled Personal Property Coverage for high-value items like jewelry or art
- Green Improvement Reimbursement for eco-friendly upgrades after a loss
Pros And Cons Of Allstate Home Insurance
Pros
- Customizable coverage options and useful add-ons
- Wide range of discounts available for bundling and home safety features
- Strong financial backing and local agent support
Cons
- Higher premiums than some competitors
- Discounts and coverage options vary by state
- Some complaints about claims handling delays
Allstate Life Insurance Review
Allstate offers basic life insurance options that can meet the needs of many individuals, especially those looking for straightforward coverage. The company provides term, whole, and universal life policies, often backed by third-party insurers like Lincoln Benefit Life.
While Allstate’s life insurance products are convenient to bundle with other policies, they may lack the flexibility and competitive pricing found with dedicated life insurance providers. It’s a decent option for existing Allstate customers seeking simplicity.
Allstate Life Insurance Quotes
Allstate’s term life insurance averages around $26 to $40 per month for a healthy 35-year-old non-smoker purchasing a 20-year, $500,000 policy. This is slightly more expensive than the national average, which typically ranges from $22 to $35 per month for similar coverage.
Allstate tends to be more affordable for young, healthy applicants and existing customers bundling multiple policies. It may be more expensive for older individuals, those with health conditions, or anyone seeking larger or more flexible coverage options, especially when compared to companies that specialize in life insurance.
Allstate Life Insurance Discounts
Allstate doesn’t offer as many life insurance discounts as it does for auto or home policies, but a few savings opportunities are available:
- Multi-Policy Discount – You may receive a discount by bundling your life insurance with Allstate auto, home, or renters policies.
- Preferred Health Rates – Applicants in excellent health may qualify for lower premiums based on medical underwriting.
- Non-Smoker Discount – Non-smokers typically receive lower rates compared to tobacco users.
- Annual Payment Discount – Paying your premium annually instead of monthly may result in cost savings.
Discount availability and savings may vary based on the underwriting company, as Allstate often partners with third-party insurers to provide life insurance products.
Allstate Life Insurance Coverage
Allstate offers three main types of life insurance coverage to suit different financial goals and life stages:
- Term Life Insurance – Provides coverage for a specific period, such as 10, 20, or 30 years. It’s typically the most affordable option and is ideal for temporary needs like income replacement or paying off a mortgage.
- Whole Life Insurance – Offers lifelong coverage with fixed premiums and a guaranteed death benefit. It also builds cash value over time, which can be borrowed against.
- Universal Life Insurance – A flexible permanent policy that allows you to adjust your premiums and coverage amounts. It also includes a cash value component that earns interest.
Allstate’s life insurance policies are often issued by affiliated partners, such as Lincoln Benefit Life, and may offer optional riders like:
- Accidental Death Benefit Rider
- Child Term Rider
- Waiver of Premium Rider
These options can help customize coverage based on your individual needs.
Pros And Cons Of Allstate Life Insurance
Pros
- Offers term, whole, and universal life insurance options
- Bundling discounts available for existing Allstate customers
- Access to local agents for personalized support
Cons
- Typically more expensive than specialized life insurers
- Limited policy customization compared to competitors
- Life insurance is often issued through third-party partners, not Allstate directly
Allstate Renters Insurance Review
Allstate’s renters insurance is a strong option for tenants seeking affordable and reliable coverage. It includes protection for personal belongings, liability, and additional living expenses if your rental becomes uninhabitable due to a covered event.
Policies are competitively priced, with nationwide availability and plenty of opportunities for discounts. Allstate also allows easy bundling with auto or life insurance, making it a convenient choice for existing customers or anyone looking for well-rounded protection.
Allstate Renters Insurance Quotes
Allstate’s renters insurance costs an average of $15 to $20 per month, or about $180 to $240 annually. This is slightly above the national average, which is around $14 per month or $168 annually.
Allstate tends to be more affordable for customers bundling with auto or life policies and those who install safety features like smoke alarms or security systems. It may be more expensive for renters in high-crime areas, older buildings, or those needing higher coverage limits.
While not the absolute cheapest option, the value comes from Allstate’s strong customer service, digital tools, and flexible coverage options.
Is Allstate Renters Insurance Expensive Compared To Other Companies?
| Company | Average Monthly Cost | Average Annual Cost |
| Allstate | $18 | $216 |
| USAA | $13 | $156 |
| State Farm | $15 | $180 |
| GEICO | $14 | $168 |
Allstate Renters Insurance Discounts
Allstate offers several discounts to help lower the cost of renters insurance:
- Multi-Policy Discount – Save when you bundle renters insurance with auto, life, or other Allstate policies.
- Protective Device Discount – Get a discount for having safety features like smoke detectors, fire extinguishers, or security systems.
- Claim-Free Discount – Lower rates if you haven’t filed recent insurance claims.
- Auto Pay Discount – Save by setting up automatic payments.
- 55 and Retired Discount – Available in some states for retirees aged 55 and older.
Allstate Renters Insurance Coverage
Allstate provides standard renters insurance coverage with optional add-ons for more protection:
- Personal Property Coverage – Covers belongings like furniture, electronics, and clothing from theft, fire, or other covered events.
- Liability Protection – Helps pay for legal or medical expenses if you accidentally injure someone or damage their property.
- Guest Medical Coverage – Pays medical costs if a guest is injured in your rental unit.
- Loss of Use Coverage – Covers temporary living expenses if your rental becomes uninhabitable.
- Scheduled Personal Property – Optional add-on for high-value items like jewelry, art, or collectibles.
Pros And Cons Of Allstate Renters Insurance
Pros
- Easy to bundle with other Allstate policies for discounts
- Strong digital tools and mobile app for managing policies
- Optional coverage add-ons are available for valuable items
Cons
- Slightly higher rates than some competitors
- Discounts and features vary by state
- Not ideal for renters needing ultra-low-cost basic coverage
Compare Allstate With Other Insurance Companies
Strong coverage options, good bundling discounts, slightly higher premiums.
Affordable rates, excellent customer service, strong financial stability.
Competitive pricing, digital-first experience, best for budget-conscious drivers.
Note: Scores are based on the 2023 J.D. Power U.S. Auto Insurance Study. Scores may vary slightly by region.
What Do People Say About Allstate?
Positive Reviews
- A Reddit user reported that Allstate offered significant savings on homeowners insurance compared to their previous provider, stating: “Contacted a local Allstate agent and they can save me $700 yearly on homeowners insurance over Geico (Travelers) with better coverage.”
- Another Reddit user shared positive experiences with Allstate’s extended warranty services, noting: “None of my customers had any bad experiences with Allstate and were all able to do a claim without any issue nor Allstate trying to fight with them.”
Negative Reviews
- A Reddit user expressed frustration with Allstate’s claims process after a car accident: “Allstate finally calls right before I put it in the shop… they have me take pictures of my car and submit them through their app… I am so stressed, my job requires a car… I feel like I have got the run around.”
- On the Better Business Bureau website, a customer complained about Allstate’s handling of a claim: “Allstate insurance has been providing false, misleading and unlawful information regarding a claim… The behavior is unjust and needs to be rectified.”
How To File A Claim With Allstate
Filing a claim with Allstate is straightforward and can be done online, through the mobile app, by phone, or with your local agent. Here’s a step-by-step guide:
Gather Information
Collect all necessary details, including your policy number, the date and time of the incident, a description of what happened, and any supporting documents (e.g., photos, police report, witness contact info).
Choose A Filing Method
You can file a claim using one of the following:
- Online: Visit Allstate.com/claims and log in to your account.
- Mobile App: Use the Allstate mobile app to file a claim and upload documents/photos.
- Phone: Call Allstate’s 24/7 claims center at 1-800-ALLSTATE (1-800-255-7828).
- Agent: Contact your local Allstate agent directly for assistance.
Submit Required Documents
Provide any necessary photos, estimates, or documents requested by Allstate to support your claim.
Track Your Claim
You can track the progress of your claim through your online account or mobile app. A claims representative will follow up and guide you through the next steps.
Resolution And Payment
Once your claim is reviewed and approved, Allstate will arrange payment or repairs depending on your coverage and the nature of the claim.
Contact Allstate
● Customer Service Number: For billing, policy questions, and general customer support
How To Cancel Allstate Insurance
If you decide to cancel your Allstate insurance policy, follow these steps to ensure a smooth process:
Review Your Policy
Check your current policy for any cancellation terms, potential fees, or refund details for unused premiums.
Prepare Your Information
Have your policy number, personal identification, and the effective date you want the cancellation to begin. If you’re switching providers, have your new policy info ready.
Contact Allstate
Choose one of the following methods to initiate cancellation:
- Call Customer Service at 1-800-669-1552
- Speak with Your Local Agent
- Mail a Written Request to Allstate’s headquarters or your local agency
Submit Required Documents
You may need to submit a signed cancellation form or written request. If canceling auto insurance, some states require proof of a new policy to avoid a coverage gap.
Confirm Cancellation
Ask for written confirmation or an email verifying your policy has been canceled and request any refund if applicable.
Our Methodology
To evaluate Allstate, we used a consistent and balanced review process that combines expert analysis, third-party ratings, and real customer feedback. Each of Allstate’s insurance offerings—auto, home, renters, and life—was reviewed separately and assigned a score out of five stars.
We based our ratings on several key criteria. First, we looked at coverage options, assessing the variety of standard and optional policies available. We also evaluated pricing and discounts, comparing average premium costs to national averages and examining how many discounts were offered and how easy they were to qualify for.
Customer experience was another major factor, which included satisfaction ratings from sources like J.D. Power, the Better Business Bureau, and online consumer reviews. We also considered digital tools and accessibility, such as the quality of Allstate’s website, mobile app, and ability to manage policies or file claims online.
Financial strength was factored in using independent ratings from A.M. Best, Moody’s, and Standard & Poor’s to determine how reliable Allstate is in paying out claims. Finally, we assessed the claims process based on ease of filing, customer support, and payout speed.
Each of these factors was weighted and used to determine an overall star rating for each insurance category offered by Allstate.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Is Allstate good at settling claims?
Yes, Allstate generally settles claims efficiently, though some customers report delays or communication issues depending on the situation.
Is Allstate insurance legit?
Yes, Allstate is a legitimate, well-established insurance company with strong financial ratings and decades of industry experience.
Is Allstate expensive?
Allstate tends to be more expensive than some competitors but offers strong coverage and discounts that can help lower costs.
Does Allstate Have A Good Reputation?
Overall, yes. Allstate has a solid reputation for customer service, financial strength, and a wide range of insurance products.
