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- Allstate Review
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Founded in 1931, Allstate is the second largest personal lines insurer in the United States offering roadside, auto, motorcycle, boat, home, renters, condo, life, and business insurance as well as banking services and retirement and investment products. Allstate currently employs over 40,000 agents and owns such subsidiaries as Esurance, Encompass Insurance Company, and SquareTrade.
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How is Allstate rated?
Breakdown
4.8/5
Coverage
4.5/5
Financial Strength
0.0/5
Supplemental Coverage
4.5/5
Pricing & Discounts
4.7/5
Claims Satisfaction & Customer Experience
4.5/5
Automation
Overall Rating: 4.4 / 5 (Excellent)
Allstate offers an excellent range of auto insurance policies, including standard and comprehensive coverages with medical, liability, and vehicle protection options.Their plans are reasonably priced and offer excellent, although somewhat limited, discounts for students, safe drivers, and customers who bundle their policies with homeowners or renters insurance. The National Association of Insurance Commissioners reports that Allstate had fewer than the industry median ratio of complaints for private passenger auto insurance.JD Power confirms that the company ranks about average with regards to overall customer satisfaction. Drivers looking for extensive coverages, fair prices, and a good selection of discounts are sure to find a reliable auto insurance alternative in Allstate.
Allstate Coverage
Basic Coverage
- Bodily Injury Liability
- Property Damage Liability
- Collision
- Comprehensive
- Personal Injury
- Medical Payments
- Uninsured/Underinsured Motorist
Additional Coverage
- Rental Reimbursem*nt
- Towing & Labor Cost
- Sound System
Coverage - 4.8 / 5
In terms of coverage, Allstate has a leg up on the competition, thanks to their comprehensive list of policies that protect drivers from most motor vehicle hazards.Their plans include bodily injury and property damage liability, medical payments and personal injury protection, collision, comprehensive and uninsured/underinsured motorist coverages. Additional plans include rental car reimbursem*nt, towing and labor, and sound system insurance.
Coverage Fine Print
Satisfaction GuaranteeDriver Monitoring DeviceRedeemable Rewards PointsAccident ForgivenessMobile AppPreferred Repair ServiceDeductible RewardsNew Car ReplacementCar Buying Service
Customer Experience
National Association of Insurance Commissioners
| NAIC Complaint Ratio | 1.03 |
| NAIC Total Complaints 2020 | 343 |
Customer Ratings
| BBB Rating | A- |
| Number of BBB Positive Reviews | 4 |
| Number of BBB Neutral Reviews | 2 |
| Number of BBB Negative Reviews | 134 |
| Date Collected | 2017-09-21 |
*The NAIC Car Insurance complaint ratio (in this case 1.03) compares a company’s performance to other companies in the market. The median complaint ratio across all car insurance companies is 1. A score below 1 means the company received fewer than the expected number of complaints. A score above 1 means the company received a more than the expected number of complaints.
Claims Satisfaction & Customer Experience - 4.7 / 5
Allstate has received a Better Business Bureau rating of A-, with a composite score of 3.27 out of 5 stars based on 149 customer reviews. Although some complaints have been filed against the business and most customer reviews on the site veer towards the negative, there is still praise for Allstate's swift claims processing and efficient customer service.
Financial Strength
Key Details
| Underwriter | Allstate |
| Premiums Written 2020 | $20,813,857,600 |
| Marketshare | 9.72% |
| AM Best Financial Rating | A+ |
| Moody's Financial Rating | Aa3 |
| Standard & Poor's Financial Rating | AA- |
Financial Strength - 4.5 / 5
As the largest publicly held personal lines insurer in the nation, Allstate policies are backed by the company's solvency and outstanding financial strength.As evidenced by their A ratings from Standard & Poor's, Moody's, and A.M. Best, Allstate is deemed creditworthy by all major financial services companies and will likely remain so for the foreseeable future.
*The above information reflects the financial strength of the underwriter of the Allstate car insurance policies: Allstate.
Pricing & Discounts
| Per Mile Pricing Available? |
Discounts
- Safe Driver
- Anti-Theft
- Vehicle Safety
- Homeowner
- Student
- Bundled Policy
Additional Discounts
- Full/Automatic Payment
Pricing & Discounts - 4.5 / 5
Despite being a leader in the car insurance industry, Allstate just offers the standard array of discounts, including student, homeowner, bundled policy, safe driver, and vehicle safety.The company has yet to offer group, multiple vehicle, low mileage, senior, hybrid vehicle, or newly married discounts, which leaves them a step behind other, comparably-sized competitors.
Discounts Fine Print
Digital SignupEarly SigningResponsible PayerNew Car
Contact & Additional Information
| Homepage URL | |
| Company Phone | (877) 810-2920 |
| Headquarters Address | 2775 Sanders Rd, Northbrook, IL, 60062 |
| Mailing Address | P.O. Box 660598, Dallas, TX, 75266 |
| Year Founded | 1931 |
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