- Broad coverage options including classic car, Mexico insurance, gap coverage and rideshare.
- Two usage-based programs: Drivewise (telematics) and Milewise (pay-per-mile).
- Safe driving rewards up to $500.
- High financial strength rating (A+ from AM Best).
- Available in all 50 states.
- Rates often above average for many driver profiles.
- Below-average JD Power scores for both shopping and claims.
- D+ CRASH Network grade.
- Moderately high NAIC complaint volume.
- Significantly higher rates for high-risk drivers.
Allstate car insurance: Jerry’s verdict
Allstate is a carrier that has almost everything: broad coverage, unique programs and strong financial backing. But the details of that experience don’t always live up to the breadth of the offering.
Founded in 1931 and headquartered in Northbrook, Illinois, Allstate is one of the largest personal lines insurers in the United States, with a nationwide network of agents and a well-developed digital platform. It holds an AM Best A+ financial strength rating and offers one of the wider menus of coverage options among major carriers, including some genuinely uncommon add-ons like Mexico coverage, classic car insurance and a pay-per-mile program called Milewise.
The strongest case for Allstate is coverage flexibility. Drivers who want to tailor a unique policy will find more options here than at most competitors. The Drivewise telematics program rewards safe driving with lower rates, and the Milewise pay-per-mile option is a standout for low-mileage drivers who want their premium to reflect how little they actually drive.
Where Allstate struggles is the experience around claims. Its D+ from CRASH Network and below-average JD Power claims and shopping scores tell a consistent story: the product is solid, but the service can fall short. Its rates also tend to run above average for many profiles, which makes it a tougher sell against cheaper competitors with comparable coverage.
One important nuance: Allstate does insure high-risk drivers and will file SR-22 forms on their behalf, but expect to pay significantly more if you have violations like a DUI conviction. For high-risk drivers who need more affordable options, Allstate’s subsidiaries National General and Direct Auto specialize in non-standard coverage and may be a better fit.
Who Allstate is best and worst for
A low-mileage driver. Allstate’s Milewise pay-per-mile program is one of the few of its kind among major national carriers. Drivers who work from home, use public transit frequently or simply don’t put many miles on their car can see meaningful savings by paying a base rate plus a per-mile charge rather than a flat premium.
Someone seeking broad coverage customization. Allstate’s add-on menu is wider than most major carriers and includes gap insurance, rideshare coverage, classic car insurance and Mexico coverage. If you need something specific, Allstate is likely to have it.
A driver who wants to be rewarded for safe driving. Allstate’s safe driving bonus gives enrolled policyholders $100 back for each claim-free year, up to $500. Combined with the Drivewise telematics discount, safe drivers have multiple paths to meaningful savings.
A budget-conscious driver. Allstate’s rates run above average for many profiles. Its discount menu, while solid, doesn’t typically offset the starting premium gap compared to competitors like GEICO or Progressive, either.
A high-risk driver on a tight budget. Allstate does write policies for high-risk drivers and files SR-22s, but its pricing for these profiles is steep.
Someone who prioritizes claims satisfaction. Allstate’s D+ CRASH Network grade and below-average JD Power claims score suggest repair shops and customers alike find the claims experience inconsistent.
Compare Allstate and 100+ other insurers through Jerry in less than 5 minutes
Learn more: Full coverage vs. liability-only insurance
How much does Allstate car insurance cost?
Allstate tends to run above the national average for full coverage, making it one of the pricier major carriers for many driver profiles. That said, your actual premium is shaped by a specific combination of factors, and some drivers will find Allstate competitive while others won’t.
The factors that matter most:
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Your driving record is the biggest lever. A clean record gets you Allstate’s best rates while violations push them up significantly. Even a single at-fault accident will raise your premium by 61% on average, while a DUI conviction can mean an even bigger increase.
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Credit score plays a role, as it does with most major insurers. Allstate uses a credit-based insurance score in most states, and drivers with poor credit will pay more — though Allstate’s credit penalty is less severe than some competitors like State Farm. (Note that California, Hawaii, Massachusetts and Michigan prohibit the use of credit in insurance pricing.)
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Location matters more than many drivers expect. State regulations, local accident rates, weather exposure and litigation costs all affect what Allstate charges in your area. Rates vary substantially from state to state and even between zip codes.
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Coverage level determines the floor. Minimum liability coverage is significantly cheaper than full coverage, but leaves your own vehicle unprotected. The right coverage level depends on your car’s value, your risk tolerance and whether you’re financing or leasing.
Key takeaway: To figure out the right coverage for you, start with your comfort level around risk and what your car is worth. Then let Jerry show you what each option costs in real time.
Learn more: Best car insurance companies
Industry ratings of Allstate car insurance
Allstate lands in the mid-to-lower half of most industry reports with below-average JD Power scores, a D+ from CRASH Network and an average complaint volume. AM Best is a clear bright spot.
| Rating | Allstate’s score |
| NAIC consumer complaint index (2025) | About average (1.08). |
| CRASH Network report card (2026) | D+. |
| JD Power auto insurance shopping study (2025) | No. 9 of 18. |
| JD Power auto insurance claims study (2025) | No. 15 of 20. |
| AM Best (2025) | A+ (Superior). |
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NAIC details
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CRASH Network details
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JD Power details
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AM Best details
Jerry pulls up to 20 quotes from top rated carriers.
Allstate car insurance coverage options
Like most insurers, Allstate offers collision, comprehensive, bodily injury liability, property damage liability, medical expense, personal injury protection (PIP) and uninsured/underinsured motorist coverage.
Allstate also offers the following optional add-ons:
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Roadside protection covers towing, tire changes, fuel delivery and jump-start services if your car breaks down.
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Rental reimbursement covers rental car fees while your vehicle is being repaired after a covered accident.
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Classic car insurance is tailored coverage for classic and collector vehicles, which may require specialty parts and valuation.
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Mexico car insurance extends coverage for travel to Mexico, where standard U.S. policies typically don’t apply.
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Gap insurance covers the difference between what you owe on a financed or leased vehicle and its actual cash value if it’s totaled.
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Rideshare insurance covers ride-hailing and delivery drivers while logged into an app and waiting for a request, a period when standard personal policies typically don’t apply.
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Coverage Definitions
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Who it pays: The other person, for injuries when you’re at fault in a crash.
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What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.
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How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.
Property damage liability (PD)
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Who it pays: The other person, for property you damage in a crash.
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What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.
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How it pays: Up to your policy’s limit. For example, $50K.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.
*Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.
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Who it pays: You, for damage to your own car.
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What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
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Who it pays: You, for damage to your own car.
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What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
Uninsured/underinsured motorist (UM/UIM)
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Who it pays: You and your passengers, for injuries and property damage.
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What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.
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How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.
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Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.
Personal injury protection (PIP)
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Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.
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What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.
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How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.
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Do you need it? Required in no-fault states. If available in your state, it’s worth considering.
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Who it pays: You and your passengers, for medical bills.
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What it covers: Medical expenses after an accident, regardless of fault.
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How it pays: No deductible. Pays up to your policy’s limit.
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Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.
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Allstate car insurance discounts
Allstate offers a solid range of discounts. You may qualify for savings if you:
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Have a vehicle equipped with anti-theft features
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Insure a vehicle equipped with factory anti-lock brakes
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Insure a newer vehicle
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Set up automatic payments
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Purchase multiple Allstate policies
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Go paperless and opt out of paper documents
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Buy a policy 7+ days before effective date
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Pay for the policy in full upfront
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Be a good student with a B- average or 2.7 GPA or higher
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Drivers under 25 who complete the teenSMART driver education program
Does Allstate offer insurance based on driving behavior?
Yes, and uniquely so : Allstate offers two distinct programs.
Drivewise is Allstate’s telematics program. The Drivewise mobile app tracks driving behavior, including speed, braking habits and time of day. It then adjusts your rate based on how safely you drive, with safe drivers earning lower premiums at renewal.
Milewise is Allstate’s pay-per-mile program. Drivers pay a daily base rate plus a per-mile charge, meaning premiums fluctuate with actual driving. For low-mileage drivers (like those who work from home, use public transit or only drive occasionally), Milewise can result in significantly lower costs than a standard flat-rate policy.
Allstate also offers a Safe Driving Bonus of $100 back for every policy period you go without a claim, up to a maximum of $500.
Jerry helps you bundle home and auto for less in just minutes.
Filing a claim with Allstate
Allstate offers multiple ways for filing a claim and managing it once filed.
File online, via the app, or by phone
You can file a claim online at allstate.com, through the Allstate mobile app or by calling the claims line at 800-255-7828. The mobile app is well-rated and supports filing, tracking and document upload.
Get assigned an adjuster
After filing, Allstate will assign an adjuster to assess the damage and guide next steps. Allstate’s below-average JD Power claims score and D+ CRASH Network grade suggest the experience can vary: straightforward claims tend to go smoothly, but complex ones may take longer or face pushback from repair shops.
Repair authorization
Allstate will provide a repair estimate which you can use to repair your car at any licensed shop, but Allstate also has a network of preferred shops. Its CRASH Network grade suggests some independent shops may be reluctant to work within Allstate’s network terms.
Repair and rental
If you have rental reimbursement coverage, Allstate will authorize a rental car during repairs.
Settlement or payout
For total losses, Allstate offers a settlement based on your car’s actual cash value (ACV). If you disagree with the valuation, you can negotiate, particularly if you have comparable market data.
Customer reviews of Allstate
More than a thousand Jerry customers have reviewed Allstate’s auto insurance, giving the company a solid overall score.
Is Allstate a good insurance company?
Allstate is a solid choice for drivers who value broad coverage options, want a pay-per-mile program or are looking to bundle multiple policies with a single carrier. Its financial strength is strong, its coverage menu is one of the widest among major insurers, and its safe driver rewards add meaningful value for claim-free policyholders.
That said, Allstate’s rates tend to run above average, and its claims and customer service scores lag behind competitors like State Farm and GEICO. Drivers who haven’t filed claims recently and qualify for one or more discounts will get the most out of Allstate. For high-risk drivers or those prioritizing price, other carriers will typically serve them better.
It’s best to compare Allstate with other insurers to find the right coverage at the best price for your profile.
See coverage options for your car.
How to contact Allstate
Current policyholders can manage their policy, view documents, make payments, and file claims through allstate.com or the Allstate mobile app.
General inquiries can be directed to 800-726-6033 while claims go to 800-255-7828.
Related guides
FAQ
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What are the pros and cons of Allstate auto insurance?
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Is Allstate good for high-risk drivers?
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What is Milewise from Allstate?
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How do I file a claim with Allstate?
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How do I cancel my Allstate policy?
Drivers who switch with Jerry save an average of $54/mo on car insurance.
Methodology
We looked at over 400,000 actual policies quotes from real Jerry customers during 2024 across 24 different insurance companies. The pricing data included both those with clean driving records as well as those with a violation.
How we rate car insurance companies
Jerry’s team of car insurance expert writers and editors analyze real customer ratings and industry reports to get a holistic view of an insurer’s performance. Our rubric emphasizes the shopping and claims experiences, customer complaints and reviews, repair shops’ evaluations of insurers, policy and quote pricing, and state availability.
We regularly reassess insurers’ star ratings and fact-check these reviews to ensure they’re accurate and up-to-date.
These individual factors roll up into one weighting system as follows:
20% Financial strength.
20% Complaints.
20% Industry ratings.
20% Customer ratings.
20% Cost and discounts.
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
