Allstate Quickpoints
- Average full coverage premium: $1,896 per year
- Region offered: 50 states
- Market share: 9.3%
- *AM Best rating/financial strength profile: A+ (Superior)
- *J.D. Power auto claims satisfaction rating: 3/5
- *Specialty coverages: Classic cars, rideshare coverage
As the name suggests, Allstate offers coverage in all 50 states. You can buy an car indemnity policy from Allstate no count where you live .
Allstate customer satisfaction and complaints
According to J.D. Power ’ s 2019 U.S. Auto Claims Satisfaction Study, Allstate ’ sulfur claims gratification rat netted three out of five Power Circles, which is considered “ about average. ” The party ranked 18th out of 25 insurance providers for claim gratification, landing well below competitors like Geico and State Farm. Allstate ’ second claims atonement score is slenderly lower than the overall customer gratification mark. In J.D. Power ’ s 2020 U.S. Insurance Shopping Study, Allstate was ranked fourthly on a list of nine large insurance companies, with a grudge of 858/1,000.
There are a number of factors that can contribute to higher or lower levels of satisfaction. For example, the sum of clock time it takes to file a claim, how helpful claim representatives are and the concluding claim payout can all influence a company ’ randomness claims atonement score .
How factors affect Allstate’s auto insurance rates
Allstate ’ s full moon coverage car insurance policies cost an average of $ 1,896 per class, which includes collision, comprehensive examination, liability and uninsured/underinsured motorist coverage. For minimum coverage, which merely includes indebtedness insurance, the cost is $ 473 per year on average. The table below includes Allstate ’ second average price of car policy based on common factors. To compare rates, the premiums below assume the driver has full coverage policy .
Rate factors
| Average rates | Accident | Speeding ticket | Poor credit |
|---|---|---|---|
| $1,896 | $2,684 | $2,130 | $2,744 |
How driving record affects Allstate car insurance rates
Accidents
Accidents have a major impact on cable car insurance rates. When you ’ re involved in an accident, the indemnity company raises your rate to compensate for the money they paid you for the loss, arsenic well as to compensate for increased risk of a moment accident. Like most policy companies, Allstate adjusts rates differently for at-fault vs. not at-fault accidents. however, drivers who have accident forgiveness coverage through Allstate may be able to avoid a rate rise after an accident .
Speeding ticket
Speeding tickets will besides raise your pace, but not equally much as an accident will. With Allstate, your rate will increase by about $ 234 on average if you have evening one speeding ticket on record. The pace increase can besides depend on how fast you were driving, and if there were coincident violations, like heedless drive or running a red light. Most accelerate tickets stay on your criminal record for 3-5 years, after which your rate will decrease .
Poor Credit
Drivers with a poor citation score—typically anything below 500—pay much higher premiums for car indemnity. In fact, having a low credit score will raise your rate more than having a single accident or speeding ticket on your criminal record when it comes to Allstate. however, credit scores are something you can actively improve over time. When your policy reincarnate, the indemnity company will recheck your credit score and lower your rate if it has improved .
Allstate auto insurance discounts
Allstate offers many discounts that drivers can take advantage of. These include discounts for paying your premium in wax, using automatic payments, being a good student and having safety devices installed in your cable car. additionally, Allstate offers the Drivewise® broadcast, which rewards condom drivers with a lower rate.
Unique discounts offered by Allstate
Early signing discount
Allstate offers an early sign language discount, which is fairly unique among early providers. With this discount, drivers can save money on their premium when they sign a policy with Allstate at least one week before the policy ’ s start date .
Anti-theft device discount
Allstate besides provides an anti-theft device discount as a fringe benefit for improving vehicle security. Allstate doesn ’ t give details about precisely how much you can save with a security device, but since qualifying for this detail discount is reasonably easy, it ’ s a bang-up save opportunity .
Allstate auto insurance premium length
Allstate offers policies with a 12 calendar month duration, but you can choose how frequently you pay your agio. Policyholders can choose to pay one collocate sum upfront, pay every six months, or opt for payments on a monthly basis. With a year-long policy, your coverage, discounts and rate won ’ deoxythymidine monophosphate change until your policy refilling period. merely once the 12 calendar month term is up can Allstate increase your rate, whether it ’ s due to an accident, traffic quotation or change in your credit grudge. Although some conditions or fees may apply, policyholders can choose to switch policy providers whenever necessary .
Allstate vs. other insurance companies
| Company | J.D. Power Score/1000 (Overall) |
J.D. Power Score/5 (claims satisfaction) | AM Best | Average rate full coverage |
|---|---|---|---|---|
| Allstate | 858 | 3/5 | A+ (Superior) | $1,896 |
| AAA | 895 | 4/5 | A- (Excellent) | $1,948 |
| American Family | 878 | 3/5 | A(Excellent) | $1,218 |
| Amica | 861 | 5/5 | A+ (Superior) | $1,449 |
| Auto-owners | 869 | 3/5 | A++ (Superior) | $1,308 |
| Erie | 880 | 3/5 | A+ (Superior) | $1,141 |
| Farmers | 849 | 3/5 | A(Excellent) | $1,540 |
| GEICO | 867 | 3/5 | A++ (Superior) | $1,260 |
| The Hartford | 895 | 3/5 | A+ (Superior) | $1,572 |
| Met Life | 861 | 3/5 | A+ (Superior) | $1,923 |
| Nationwide | 862 | 3/5 | A+ (Superior) | $1,533 |
Allstate mobile app and digital experience
Allstate provides an abundance of technical features to help with car indemnity policy management. here are a few of the digital resources and features available to policyholders :
- File a claim through your smartphone claims using QuickFoto Claim®
- Use Allstate’s Digital Locker® for home inventory management
- Request roadside assistance
- Pay your premium
- Access digital ID cards
- Monitor your driving behavior with Allstate’s Drivewise® program
Alternative insurance products offered by Allstate
In accession to car insurance, Allstate ’ south indemnity offerings include dwelling and renters policies, with discounts available for bundling .
Allstate profile
| Product | Discounts | J.D. Power rating |
|---|---|---|
| Home insurance | Welcome discount Newly constructed home discount Early signing discount |
3/5 |
| Renters insurance | Retired renter discount Claims-free discount Multi-policy discount |
2/5 |
In the spotlight
- Allstate offers higher-than-average insurance premiums, even for drivers with a clean record, but discounts are abundant and may help bring down costs.
- In addition, Allstate offers reliable car insurance with a variety of coverages, and a great mobile app experience for policyholders.
- Allstate is dedicated to serving their community through the Allstate Foundation.
Methodology
coverage Utilizes Quadrant Information Services to analyze quoted rates from thousands of travel rapidly codes across all 50 states, using Allstate ’ randomness premiums written. Quoted rates are based around the profiles of a 30 class male and female with clean drive records, full recognition and the succeed wide coverage details :
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- $100k bodily injury liability per person
- $300k bodily injury liability coverage per crash
- $100k property damage liability coverage per crash
- $500 collision coverage deductible
- $500 comprehensive coverage deductible
minimum coverages were applied to match state requirements. Both drivers used a new, finance 2018 Toyota Camry, commuting 5 days a week and driving 12,000 miles per year. An accident was defined as an at-fault accident with $ 3k in property damage. A travel rapidly incident was defined as speeding 16-20 MPH over the limit. These rates were publicly sourced from insurance company filings and should be used for comparative purposes alone – your own quotes may be different .