You want a straight answer on Allstate without the fluff. Here it is. Allstate is big, flexible, and packed with extras. Prices run high for many drivers. If you want lots of options, a big agent network, and perks for safe driving, you’ll like it. If you’re chasing the rock-bottom rate, probably not.
Note: Pricing, rankings, and complaint data cited below come from independent sources like J.D. Power, NAIC, and NerdWallet’s 2025 analysis. I link everything so you can check me.
⭐ Snapshot: Should You Consider Allstate in 2025?
Bottom line: Strong coverage menu, wide availability, useful telematics. Rates skew above average. Service scores are mixed.
Why people pick Allstate
Big menu of add-ons: new car replacement, accident forgiveness, gap insurance, rideshare.
Perks for safe drivers: Drivewise credits; deductible reductions over time.
Available in all 50 states + D.C.
Where it stumbles
Price: Allstate’s average full-coverage premium runs about $3,941/year vs. the $2,556 national average (2025).
Shopping satisfaction: Below average in recent J.D. Power shopping and claims studies.
Quick recommendation: If you’ll actually use add-ons, bundle policies, or let telematics reward you, Allstate can pencil out. If you just want the cheapest legal coverage, keep shopping.
💵 Pricing at a Glance
Average full-coverage cost vs. national average
Allstate: $3,941/year (full coverage).
U.S. average: $2,556/year.
Numbers come from NerdWallet’s July/August 2025 analyses.
These are modeled rates for a clean 35-year-old with good credit. Your price changes with age, tickets, claims, credit (in most states), vehicle, and ZIP. For the basics of coverage types, see the Insurance Information Institute’s simple guide.
Resource: auto insurance basics.
Rates by company: where Allstate sits right now
| Company | Full Coverage (avg) | Minimum Coverage (avg) |
|---|---|---|
| Allstate | $3,941 | $846 |
| American Family | $2,583 | $717 |
| Farmers | $4,492 | $1,180 |
| GEICO | $2,275 | $492 |
| Nationwide | $2,474 | $846 |
| Progressive | $2,222 | $649 |
| State Farm | $2,465 | $503 |
| Travelers | $1,776 | $506 |
| USAA* | $1,663 | $341 |
*USAA serves military, veterans, and families. Source: NerdWallet 2025.
What drives your price
Credit (except CA, HI, MA), driving record, mileage, car model and safety gear, garaging ZIP, and coverage limits. Expect big swings after tickets, at-fault crashes, or a DUI. For context on safety tech that can help, see NHTSA on driver-assist systems and the new AEB rule.
Resource: driver assistance tech, AEB rule update.
🧰 Coverage You Can Buy with Allstate
Core coverages, quick refresher
Liability for injuries and property damage you cause.
Collision for your car after a crash.
Comprehensive for non-crash stuff like theft, hail, flood, falling trees.
Clear, neutral explainers here: III on collision/comprehensive.
Popular add-ons (Allstate)
Accident Forgiveness: one crash won’t hike your rate. Details vary by state. Allstate
Deductible Rewards: $100 off day one, then $100 each claim-free year (max $500). Allstate
New Car Replacement: total a new car and get a new one, not just depreciated value. Allstate
Gap Insurance: covers the loan/lease “gap” if your car’s totaled. Good for small down payments and fast-depreciating cars.
Rideshare (Ride for Hire): fills gaps when your app is on. Must-have for Uber/Lyft drivers.
Roadside help: buy à la carte, add to policy, or get a standalone membership.
If you want the deep dive on coverages in plain English, the Insurance Information Institute’s primer is solid: understanding your coverage.
📱 Telematics: Drivewise & Pay-Per-Mile (Milewise)
Drivewise (app-based): Tracks braking, speed, and time of day. Safe drivers can earn policy credits every term. You get a participation discount just for enrolling in many states. Privacy trade-off is real, but the math can work if you’re gentle on the pedals. Learn more here: Allstate Drivewise.
Milewise (pay-per-mile): If you drive little—city dweller, hybrid remote worker, extra vehicle—paying by the mile can beat standard pricing. Check availability and hardware/app details: Milewise by Allstate.
📊 Service & Satisfaction
J.D. Power: Allstate’s shopping satisfaction scores landed below the pack in 2024, and overall auto insurance satisfaction remains middling. Read the public summaries here:
Complaints: Allstate’s complaint level for private-passenger auto has hovered around average, per NAIC data and independent summaries. You can search the NAIC database yourself: NAIC Consumer Insurance Search. A 2024 snapshot placed Allstate near a 1.00 complaint index (about average).
🎯 Who Allstate Fits Best (and Who Should Skip)
Good fit
New-car buyers who want new car replacement.
Rideshare drivers who need true gap-free app-on coverage.
Careful drivers willing to share driving data for Drivewise savings.
Households bundling home/auto to stack discounts and agent help.
Not ideal
Strict budget shoppers who just need state minimums.
Drivers with recent tickets/claims—Allstate’s modeled rates jump faster than some rivals for less-than-clean records.
💡 Discounts & Easy Ways to Save
Bundle auto + home/renters.
Early-sign (policy issued 7+ days before start).
Good student, student away at school.
Anti-lock brakes, anti-theft.
Auto-pay, paperless, paid-in-full.
TeenSMART for teens where available.
Safe driver + Drivewise participation credit.
You’ll find specifics on Allstate’s site, and they change by state. Start here: Allstate extras & rewards.
🛠️ Claims & Support Experience
How you file: App, web, or phone. Upload photos, track status, message your adjuster, and add rental coverage if you bought it. App also houses your ID cards and roadside. Allstate’s claim portal and FAQs are here: claims help.
What to expect: The process is pretty standard. J.D. Power’s claims satisfaction puts Allstate mid-pack, so you’re not buying concierge white-glove service but you’re also not in the basement.
🔁 Smart Alternatives to Compare
Travelers: Often under Allstate on price for full coverage.
GEICO / Progressive: Telemetry programs, big digital tools, aggressive pricing in many ZIPs.
American Family: Competitive bundles and decent service marks where available.
Before you switch, sanity-check national averages here: average premiums in 2025.
❓ FAQs (Quick, Plain-English Answers)
1) Is Allstate cheap?
Usually no. The average full-coverage price is $3,941/year vs. a $2,556 national average in 2025 data. Your rate could be lower with bundling and Drivewise, or higher after tickets/claims.
2) Does Allstate sell in my state?
Yes—50 states plus D.C. Get online quotes or go through an agent.
3) What’s special about Allstate’s add-ons?
New car replacement (handy in the first two model years), accident forgiveness, gap, and Ride for Hire if you drive for Uber/Lyft. These aren’t offered everywhere by every insurer.
4) How does Drivewise work?
Phone app watches hard braking, speed, and time of day. Safe habits earn credits each policy term. There’s often a participation discount just for enrolling.
5) Can I really save with pay-per-mile?
If you’re low-mileage, Milewise can beat a standard policy. Check per-mile rates in your ZIP and compare.
6) Are the complaints bad?
Not really. NAIC shows Allstate around the market average for complaint volume relative to size. That’s fine, not flawless. Verify current stats here: NAIC consumer search.
7) Where can I learn the basics of coverage fast?
The Insurance Information Institute has simple explainers on collision and comprehensive—clear and neutral. Start here: coverage basics.
8) Does Allstate help rideshare drivers?
Yes. Ride for Hire fills the gaps between personal and TNC coverage while your app is on.
🧪 Methodology & Sources
Rates and comparisons use 2025 modeled data from independent outlets and public studies. We reviewed Allstate’s official product pages plus third-party analyses and consumer-protection data.
Authoritative sources used and linked throughout:
NerdWallet 2025 rate studies and Allstate review (for average premiums and company-to-company price context).
J.D. Power 2024–2025 Shopping and Auto Insurance studies (for satisfaction context).
NAIC Consumer Insurance Search (for complaint levels).
Allstate product pages (for coverage, perks, and telematics specifics).
Insurance Information Institute (III) for neutral coverage definitions.
✅ Final Verdict
Allstate Auto Insurance Review in one sentence: A feature-rich, everywhere-you-go insurer that shines with perks and options, but often charges more for the privilege.
If you value new car replacement, rideshare coverage, or telematics rewards, Allstate makes a lot of sense. If your goal is “pay as little as humanly possible,” you’ll likely land elsewhere after quotes.