Allstate Car Insurance Review for 2024 [See Rates & Discounts Here]

Allstate car insurance review reveals that rates start as low as $60/month, but can vary significantly based on location, driving history, and coverage options.

The company provides a wide array of coverage choices, including liability, collision, and comprehensive coverage. You can compare comprehensive car insurance options, alongside discounts like accident forgiveness and safe driving bonuses.

Allstate Car Insurance Rating

Rating Criteria
Overall Score	3.8
Business Reviews	4.0
Claims Processing	3.0
Company Reputation	4.5
Coverage Availability	5.0
Coverage Value	3.4
Customer Satisfaction	4.0
Digital Experience	4.5
Discounts Available	5.0
Insurance Cost	3.2
Plan Personalization	4.5
Policy Options	3.4
Savings Potential	3.8

While Allstate’s premiums may be higher than some competitors, its financial stability and customizable plans make it a strong option. This review helps you decide if it’s right for you.

While your car insurance will probably be more expensive post accident, compare cheap quotes with using our free quote comparison tool above today.

Key Information About Allstate Insurance

Allstate is among the major, popular types of insurers in the U.S. available for drivers. Allstate is one of our biggest recommended companies for the combination of the financial stability rating and deep discounts it offers practically everybody, but perhaps even more so for customizable options.

Premiums start as low as $60/month, but rates vary by location, driving history, and coverage. Compare car insurance by coverage type to find the best option for your needs. Allstate features such as accident forgiveness and safe driving bonus can assist you in tailoring your policy while saving big without compromising on coverage.

How Age, Gender, and Coverage Affect Premiums

Allstate insurance rates are influenced by various factors such as coverage level, age, and gender. Younger drivers typically face higher premiums, while older drivers can enjoy significantly lower rates. Here’s a breakdown of Allstate’s monthly car insurance rates based on these key factors.

Allstate car insurance rates vary by coverage, age, and gender. Young drivers pay higher premiums, with 16-year-old males at $260 and females at $237. Rates decrease significantly with age, reaching $59 for females and $60 for males at age 60. The best car insurance rates for young drivers with points may be higher due to driving violations.

Allstate Car Insurance Monthly Rates by Coverage Level, Age, & Gender

Full coverage rates follow a similar trend, with younger drivers paying more, while older drivers experience lower premiums, such as $608 for a 16-year-old female and $150 for a 60-year-old female.

Whether you’re a young driver or more experienced, understanding how age and coverage level affect your premium is crucial when choosing Allstate car insurance. This allows you to see the plan that fits within your budget, taking a look at age brackets and coverage levels.

Impact of Your Driving Record on Allstate Car Insurance Rates: Clean Record vs. Violations

Your driving record plays a significant role in determining your car insurance rates. Whether you have a clean record or past violations, understanding how they affect your car insurance premiums is crucial when selecting coverage.

The rates that you pay for car insurance depend on your driving record. For minimum coverage, clean record rates are $61/month, but a DUI can jump the cost to $106/month. Driving history is another factor in premiums, with a ticket or accident also raising rates.

If you know the way tickets, accidents, and DUIs affect your insurance, it will help you make informed choices that may keep rates lower as you minimize your driving record damage.

Comparing Allstate Car Insurance Rates for Young Drivers: A Price Breakdown by Age & Gender

Allstate stands apart in the other direction, offering some of the most competitive pricing for young drivers. Parents and young drivers should consider Allstate, which has lower rates than many of its top competitors for 16- and 18-year-old drivers.

Allstate car insurance rates for 16- and 18-year-old drivers are competitively priced compared to top competitors, with several factors that affect car insurance rates. For example, Allstate charges $210 for a 16-year-old female and $215 for a 16-year-old male, while companies like American Family and Farmers have significantly higher rates.

Allstate Car Insurance Monthly Rates vs. Top Competitors by Age & Gender

Insurance Company	Age 16 Female	Age 16 Male	Age 18 Female	Age 18 Male
	$210	$215	$205	$210
	$530	$740	$99	$108
	$530	$740	$99	$108
	$530	$740	$99	$108
	$530	$740	$99	$108
	$530	$740	$99	$108
	$530	$740	$99	$108
	$530	$740	$99	$108
	$530	$740	$99	$108
	$530	$740	$99	$108

However, Geico and Liberty Mutual have rates in the same ballpark as Allstate for young drivers. This side-by-side price comparison with other major insurers helps you to see how Allstate prices compare to the competition based on age and gender.

Reflecting on Allstate rates next to those from other leading insurers can help you make a side by side decision, depending on your age and gender. This helps you find competitive coverage for the lowest cost possible with its comparison tools.

Allstate Car Insurance Coverage: Key Terms and What They Mean

Allstate provides the exact same level of coverages as every other company and usually at a higher rate. Here are the industry-standard insurance terms and a breakdown of what they mean.

We realize it can be a little confusing, which is why we put together a rundown of some of the most common coverages along with a simplified description. Four basic categories exist into which varying coverage types will fall:

• Liability Car Insurance: Covers the physical damage you do to another car and any injury everyone in that car suffers.
• Uninsured and Underinsured Motorist Coverage: Pays for your expenses if the other driver who causes the crash only has limited liability coverage or no coverage at all. Compare liability car insurance to ensure you’re adequately protected.
• Collision Car Insurance: This collision car insurance pays for your vehicle’s repairs or replacement in an accident.
• Comprehensive Car Insurance: Covers what most people might think of as “out of our control” — storm damage, hitting an animal, etc. So Allstate full coverage probably is liability plus collision plus comprehensive.
• Personal Injury Protection: These insurance pays any costs you incur for harm to yourself and others in the vehicle and lost wages and funeral expenses no matter who was at fault.

There are types of car insurance available, so familiarize yourself on which will suit you best. Specialty policies — insurer coverage for various driving circumstances, from classic car insurance for vintage vehicles to rideshare coverage for drivers.

• Classic Car Insurance: Policy tailored for classic or antique cars with coverage that is appropriate for their special value and use.
• Rideshare Car Insurance: Same as above but for those who drive people around through rideshare companies. Compare rideshare car insurance to find the best coverage options.
• Roadside Assistance: Covers the cost of emergency roadside services like flat tire changes, lockouts, and battery jump-starts to keep you moving.
• Property Protection: Covers costs when you damage someone else’s property, like a fence or building, during an accident.
• Milewise: A pay-per-mile insurance option where premiums are based on the number of miles driven each month, ideal for low-mileage drivers.

Allstate Customer Ratings, Financial Strength, and What You Need to Know

With the gloves off, let us find out what several independent agencies have to say about Allstate and how it may fit your company. Allstate auto insurance earns fairly good ratings through multiple review systems. J.D Power offers an average satisfaction score of 832/1,000.

Allstate Car Insurance Business Ratings & Consumer Reviews

Agency
	Score: 832 / 1,000 Avg. Satisfaction
	Score: A+ Strong Customer Support
	Score: 74/100 Good Customer Satisfaction
	Score: 1.45 More Complaints Than Avg.
	Score: A+ Superior Financial Strength

The BBB gives Allstate an A+ for excellent customer support, while Consumer Reports rates it 74/100 for good customer satisfaction. Despite a higher-than-average complaint ratio (1.45 according to NAIC), Allstate’s financial strength is rated A+ by A.M. Best, reflecting its stability.

A Reddit user shares their experience researching Allstate insurance, mentioning positive reviews concerning coverage options like new car replacement, roadside assistance, cheaper rates, and best car insurance discounts.

But after hearing about claim denials like a roof in California and car damages from the storm readers wonder if Allstate is really worse than say Liberty Mutual, Geico or Travelers.

Allstate Car Insurance: Affordable Rates, Discounts, and Comprehensive Coverage

Pricing out at $60/month, Allstate is becoming affordable. This does encompass liability insurance policy, collision insurance coverage, as well as thorough protection. For drivers looking for a good mix of protection, the discounts that come with USAA make it appealing alongside extras like accident forgiveness, safe driving bonuses and car insurance deductible rewards.

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Have you heard of Drivewise? It’s located in our Allstate app. We recently found out that customers who choose to use Drivewise are 25% less likely to have a severe collision than those who don’t. https://t.co/HNMxg3hVAZ

— Allstate (@Allstate) May 13, 2024

Though Allstate might have a handful of higher premiums than its competitors, its overall financial strength and customizable coverage plans are impressive. Allstate is widely regarded, with strong ratings from the BBB and A.M. Best, but depending on your situation you may be able to find a better rate through one of many other insurers, so be sure to shop around before locking in your policy.

Find out which company is the cheapest for you by entering your ZIP code below and avoid overpaying for car insurance.