Allstate Reviews and Ratings
- Customer satisfaction ratings: average or worse
- Get less complaints to the state about life, home, and automobile insurance than other insurance companies its size
- Offers ride-share coverage in most states.
Allstate has become famous for its policies on the on cheap car insurance online, but it also offers an array of financial services. Allstate offers coverage in most states and, with its numerous local agents, Allstate is one of the more accessible companies for insurance and financial expertise.
Cheap Insurance By Allstate Details
Automobile Insurance Ratings: Allstate is ranked 13th out of 15 insurers in our catalog of car insurance companies at 3.5 stars out of 5. Our rating is based on the following:
- J.D. Power ratings for customer service, satisfaction of claims and shopping
- Consumer Reports customer satisfaction ratings.
- Complaints from the consumer against the insurer, from data collected by the National Association of Insurance Commissioners.
Allstate Automobile Insurance Options:
Allstate offers the common discounts and automobile coverages, and some additional features (depending on the state you live in):
- Accident forgiveness: meaning, your rates won’t go up because of one accident, regardless of who is at fault.
- Bonus for safe driving: Every six months of driving with Allstate, if you don’t have an accident, you can receive a check as a reward for driving safely.
- Deductible rewards: Each year, you can be rewarded with $100 off your collision deductible, and up to $500 off, if you don’t receive any driving violations. The first $100 comes off when you first sign up.
- Replaces your new car: If your new car gets totaled within the first 2 years, you can receive a check for a new car, not just on the value to which it depreciated.
- 3 Different types of roadside assistance: 1) pay-per-use, 2) an add-on to auto policies, or 3) from Allstate’s Motor Club, similar to AAA – subscription.
Guarantee claim satisfaction: You can receive up to a 6-month credit on your cheap insurance by allstate premium if yo are not happy with how your claim was addressed. In the states where it is available, the guarantee is free with all standard policies. Drivewise rewards: Allstate will provide a reward up to a 3% discount simply for using its Drivewise app. The application monitors your speed, braking, and the times of the day you drive. You can earn an extra 15% back when Allstate recognizes your first 50 drives and for every 6 months afterward that you drive safely. The points can be accumulated and redeemed for shopping discounts. Those who aren’t customers can even sign up for that program, however, it is not available in any given state. Rideshare insurance: Coverage is now available in 47 U.S. states and Washington, D.C., for their customers that drive for ride-hailing services like Uber and Lyft. At those types of companies, the full coverage only activates when there are passengers, but Allstate’s is encompassed in its regular policy and provides coverage any time that the application is working.
Allstate's Home Insurance Coverage:
Allstate provides standard home insurance, which includes apartments, condos, and even mobile homes. The following are your choices of coverage:
- Water backup: will pay out if your sump pump or drain backs up and causing water damage
- Scheduled property: will pay out if certain possessions are damaged or stolen.
- Green improvement: helps to cover the added cost of upgrading to a more energy-efficient item you’re replacing after a making a claim.
- Recover your electronic data: helps to replace your lost or stolen electronic, like your photos and videos.
- Restore your identity theft: helps to reimburse you for legal fees, lost wages and other costs in the event that your identity gets stolen
- Advantage for being a host: If you choose to rent out your home using a service like Airbnb, Allstate’s home-hsaring insurance may be worth an extra look. It will pay out if the resters destroy or steal your personal property during their stay. The coverage can cost as little as $50 per year, but is not available in every state
Allstate Life Insurance Options:
Allstate’s life insurance: The term life insurance is offered in lengths of 10 and 30 years and does not have to be in 3 to 5 year intervals, unlike most term life options. You can also decide on options such as montly payout, or choose to convert it to a permanent life insurance further down the road. Other options include whole life, universal life, and variable universal life.
Allstate Snapshot:
Strength of Finances: A+ (‘SUPERIOR’)
Allstate’s financial situation is “superior,” according to A.M. Best. The strength of a company’s finances is important because it shows how well the company, insurer in this case, can pay out the claims.
Amount of Complaints
Allstate has had less than the average number of complaints brought to state regulators in 2018 about a company of the same size for automobile, life, and home insurance as shown by the National Association of Insurance Commissioners.
Satisfaction of its customers
Customer satisfaction ratings of Allstate are average or worse, on all types of insurance.
| J.D. Power study | Allstate ranks… |
|---|---|
| Insurance Shopping (Auto) | Among the rest |
| Auto Insurance Claims Satisfaction | About average |
| Home Insurance | About average |
| Property Insurance Claims | About average |
More information on Allstate
Website: Allstate’s site has some tools and resources, including some used to plan for retirement or help you as you move. You can also ask a local agent, receive a quote, find a mechanic or learn more about offerings. Allstate’s flagship app available for mobile devices will let you pay your bill, manage your policies, check your claim status, get some help if you need roadside assistance, and also find your parked car. It includes a Drivewise capability that tracks your driving.
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