When it comes to protecting your car and your wallet, Allstate Car Insurance often surfaces as a popular choice. But with its eye-popping average annual premium and an array of specialty coverage options, is it really the best option for you in 2025?
In this comprehensive Allstate Car Insurance Review, we’ll pull back the curtain on what Allstate gets right—and where it falls short. With real survey data, pricing breakdowns for all types of drivers, and a deep dive into Allstate’s unique offerings like Drivewise and classic car coverage, this article is your go-to source for making an informed insurance decision.
Is Allstate Car Insurance Good?
Allstate ranks high in customer satisfaction, especially when it comes to filing claims. In fact, over 54% of surveyed customers reported being completely satisfied with the claim process, and another 40% were somewhat satisfied. This strong feedback positions Allstate as a dependable choice when it matters most—during an accident or mishap.
Yet, while the company excels in service, its pricing may be a concern. Despite above-average rates, 75% of customers said they would recommend Allstate, and 79% were likely to renew, indicating solid brand loyalty.
How Much Is Allstate Car Insurance?
Let’s not sugarcoat it—Allstate is not cheap. The average annual premium is $2,941, a whopping $929 more than the national average of $2,012. It ranks among the most expensive auto insurance providers in the U.S. according to recent studies.
However, insurance rates vary based on ZIP code, age, gender, credit score, and driving history. What’s expensive for one person may be competitively priced for another with different personal circumstances.
| Driver Category | Allstate Average | National Average | Difference |
|---|---|---|---|
| General Average | $2,941 | $2,012 | +$929 |
| Teen Driver (Male, 17) | $9,857 | $7,321 | +$2,536 |
| Young Adult (Male, 25) | $3,323 | $2,459 | +$864 |
| Adult (Female, 40) | $2,880 | $1,893 | +$987 |
| Senior (Male, 60) | $2,710 | $1,765 | +$945 |
Allstate Rates for Teen Drivers
Teen drivers are risky, no doubt. But Allstate charges significantly more than the national average, which could make it tough for families already balancing tight budgets.
17-Year-Old Female: $8,796
17-Year-Old Male: $9,857
For comparison, American National offers teen rates significantly below these figures.
Allstate for Young Adults
Young adults also get hit hard. Allstate charges:
25-Year-Old Female: $3,233
25-Year-Old Male: $3,323
Compared to national averages of $2,309 and $2,459 respectively, the markup is substantial.
Allstate Rates for Adult Drivers
The golden years of good insurance pricing start around age 40, but Allstate still charges significantly more:
40-Year-Old Female: $2,880
40-Year-Old Male: $2,841
National averages are lower by nearly $1,000 annually.
Allstate and Senior Drivers
Even seasoned drivers don’t catch a break. Seniors are often considered low-risk, yet Allstate’s pricing tells a different story:
60-Year-Old Female: $2,659
60-Year-Old Male: $2,710
After a Speeding Ticket
Speed once—and pay forever? At Allstate, maybe. A single ticket pushes your average premium to $3,454, while the national average sits at $2,571.
After an Accident
An at-fault accident sees premiums shoot to $4,212, significantly above the $2,891 national benchmark.
After a DUI
DUI? Expect to pay dearly. At Allstate, the average annual premium is $4,409, again well above the $3,737 national average.
Drivers With Poor Credit
Credit history impacts your rate. Allstate charges $4,728 for those with poor credit—over $600 more than the national average of $4,124.
Minimum Coverage at Allstate
Allstate’s average cost for minimum coverage is $771, a small but noticeable increase over the $780 national figure.
Want to know what’s legally required where you live? Check your state minimum auto insurance requirements.
Full Coverage at Allstate
Going full coverage? Expect to pay $3,553 at Allstate, versus a national average of $2,386.
Allstate Drivewise Program
Drivewise rewards safe driving using a mobile app that tracks your habits. Not only does it provide usage-based feedback, but it may also offer semi-annual credits based on performance.
Perks include:
Real-time driving reports
Crash detection
Mobile access to policy documents and roadside assistance
Allstate Car Insurance Coverage Options
Allstate covers all the major bases:
Standard Coverages:
Liability (bodily injury and property damage)
Collision
Comprehensive
Uninsured/Underinsured Motorist (UM/UIM)
Medical Payments
Personal Injury Protection (PIP)
Optional Add-ons:
Roadside Assistance
Rental Reimbursement
Rideshare Insurance
Specialty Coverages:
Classic Car Insurance
Travel to Mexico Coverage
Allstate Insurance Discounts
Discounts may soften the financial blow. Some highlights include:
Multi-policy discount
Good student discount
Safe driving club
Anti-theft and anti-lock brakes
Paperless billing and early signing
Full payment and responsible payer discounts
Ease of Filing a Claim
Consumers in the Allstate survey gave high praise to the ease of filing and resolving claims, with 54% completely satisfied and 40% somewhat satisfied.
Customer Service Experience
Service is where Allstate shines. More than 75% of users were satisfied with their service experiences, from policy questions to claims processing.
Allstate Mobile App Review
Features of the Allstate app include:
Bill pay and ID cards
Drivewise integration
Crash detection
Claims tracking
Agent contact
Customer Loyalty with Allstate
An impressive 75% of customers would recommend Allstate, and 79% are likely to renew—proof that satisfaction goes beyond just price.
Strengths of Allstate
Highly rated mobile app
Excellent claim handling
Wide range of discounts
Rideshare and specialty options
Strong brand trust and loyalty
Weaknesses of Allstate
Higher-than-average premiums
Price hikes for risky drivers
Rates remain high even with discounts
Who Should Choose Allstate?
Allstate is ideal for:
Safe drivers who’ll benefit from Drivewise
Homeowners looking to bundle
Classic car owners or travelers to Mexico
Uber/Lyft drivers needing rideshare coverage
Getting a Quote
You can get an Allstate quote online or via phone. Prefer a human touch? Allstate has thousands of agents nationwide.
You can also verify insurer credentials through the National Association of Insurance Commissioners (NAIC) for added peace of mind.
Contacting Allstate
Website: allstate.com
Customer Service: 800-726-6033
Agent Locator: Use their online tool
FAQs
Is Allstate good for high-risk drivers?
Not necessarily. Allstate’s rates increase significantly for drivers with DUIs or accidents.
Can I lower my Allstate premium?
Yes, through Drivewise, discounts, bundling, and improving your credit score.
Does Allstate offer rideshare coverage?
Absolutely. Allstate provides one of the most recognized rideshare endorsements.
What is Allstate’s customer satisfaction like?
Surveys reveal strong satisfaction in claim handling and service experiences.
Does Allstate offer classic car insurance?
Yes, it’s one of the few major insurers offering dedicated coverage for classic cars.
How does Allstate’s mobile app rank?
Highly! The app includes Drivewise, bill pay, ID cards, and crash detection.
Conclusion
Allstate delivers on service, support, and coverage—but not on affordability. If you value top-tier service and innovative features like Drivewise, Allstate could be worth the premium. However, if budget is your top concern, you may want to explore competitors offering more competitive rates. In the end, Allstate Car Insurance is a premium service at a premium price—a solid choice for the right driver.