Allstate auto insurance covers standard protections like liability, collision, and comprehensive coverage. It also offers optional features like roadside assistance, rental car reimbursement, new car replacement, accident forgiveness, and gap insurance.
Allstate Auto Insurance: A Comprehensive Review
Deric Kalamitsiotis
Published on: May 2, 2025
5 minutes
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Chevy Equinox: The Honest Truth – Pros, Cons, and Everything In Between (Including Cost of Ownership)When it comes to protecting your vehicle, Allstate is a household name. But does that reputation match reality? In this comprehensive Allstate auto insurance review, we’ll break down Allstate’s coverage options, pricing, customer satisfaction, discounts, and digital tools to help you decide if Allstate car insurance is the right fit for your needs.
Whether you're a first-time buyer, a family with multiple vehicles, or a high-mileage driver looking for smarter pricing, this article will walk you through everything you need to know about Allstate auto insurance.
Who Is Allstate? A Quick Company Overview
Founded in 1931, Allstate has grown to become one of the largest publicly held insurance providers in the U.S., offering a wide range of policies, including home, life, and auto insurance. Their tagline, “You’re in good hands,” reflects their long-standing promise of reliable protection.
As of 2024, Allstate services over 16 million households and maintains a robust network of local agents across the country. But with so many providers out there, how does Allstate stack up?
Allstate Auto Insurance Coverage Options
Allstate offers a full suite of auto insurance coverage, including:
- Liability Coverage (bodily injury and property damage)
- Collision Coverage
- Comprehensive Coverage
- Medical Payments Coverage
- Uninsured/Underinsured Motorist Coverage
- Personal Injury Protection (PIP)
What sets Allstate apart are its unique add-ons:
- Accident Forgiveness: Your rates won’t go up after your first accident.
- New Car Replacement: Total your car within 3 model years? You get a brand-new replacement.
- Roadside Assistance: Available 24/7 for towing, jump-starts, flat tire fixes, and more.
- Rental Reimbursement: Get reimbursed for rental car expenses after a covered loss.
- Sound System Coverage: Protection for installed stereo or media systems.
- Gap Insurance: Helps cover the difference if your vehicle is totaled and you owe more than it's worth.
Related term: what does Allstate auto insurance cover?
Allstate Auto Insurance Discounts
Allstate is competitive when it comes to discounts. Some popular options include:
- Safe Driving Bonus
- Drivewise Program
- Milewise Program
- Bundling Discounts
- Good Student Discount
- Multi-Policy and Multi-Car
- Anti-Theft Device Discount
- Early Signing Discount
- EZ Pay Plan Discount
- Paperless Discount
These programs are designed to make it easier to get cheap car insurance with Allstate — especially if you're a safe or low-mileage driver.
What are the discounts offered by Allstate auto insurance?
Allstate Drivewise and Milewise: How They Work
Drivewise Review
Allstate’s Drivewise app rewards safe driving behavior such as smooth braking, low speeds, and limited nighttime driving. You’ll earn points that can be redeemed for discounts or gift cards.
- Available via mobile app or connected device.
- Can lead to 40% savings for safe drivers.
Related: how does Allstate Drivewise work?
Milewise Review
Milewise is a pay-per-mile insurance program ideal for those who drive infrequently. You pay a daily base rate plus a few cents per mile.
- Best for low-mileage drivers, retirees, or work-from-home professionals.
- Transparent, app-based tracking.
Related: how does Allstate Milewise work?
Allstate Auto Insurance Rates and Affordability
So, how much does Allstate auto insurance cost?
According to recent market data from ValuePenguin and NerdWallet, Allstate tends to be slightly above the national average in terms of price. However, rates can vary based on:
- Driving history
- Location
- Vehicle type
- Credit score
- Coverage levels
Tip: Use Allstate’s online quote tool to compare real-time rates.
Related: can I get an Allstate auto insurance quote online?
Customer Service and Claims Process
Customer Satisfaction
Allstate scores 3.8 out of 5 on Trustpilot and holds an A+ rating with the Better Business Bureau. Reviews of Allstate car insurance highlight agent accessibility and mobile tools as strengths.
Related: Allstate car insurance reviews | Allstate customer service auto insurance
Claims Process
Allstate’s claims process is user-friendly and can be completed:
- Through the Allstate Mobile App
- On the website
- Or by calling the 24/7 support line
Customers in the Good Hands Repair Network benefit from expedited repairs and guaranteed work for as long as they own the car.
Related: how to file a claim with Allstate auto insurance | what is the Allstate good hands repair network?
Special Considerations for Different Driver Types
Young Drivers
Allstate offers good student discounts and telematics programs like Drivewise to help keep premiums down.
Related: Allstate auto insurance for young drivers
Seniors
Milewise can offer excellent savings for retirees or drivers who only use their cars occasionally.
Related: Allstate auto insurance for seniors
Families
Bundling and multi-car discounts make Allstate attractive for family fleets.
Related: Allstate auto insurance for families
Drivers with Violations
Although Allstate doesn’t specialize in high-risk drivers, some coverage is available. Accident forgiveness may help mitigate rate increases.
Related: Allstate auto insurance with a bad driving record
Pros and Cons of Allstate Auto Insurance
Pros:
- Strong reputation and national reach
- Innovative telematics programs (Drivewise, Milewise)
- Useful add-ons like accident forgiveness and new car replacement
- Robust digital tools
Cons:
- Higher premiums compared to competitors
- Mixed customer service reviews
- Some discounts only available in certain states
How to Get an Allstate Insurance Quote
You can get an Allstate insurance quote online by visiting Allstate.com, calling an agent, or using a quote comparison platform.
You’ll need:
- Your driver’s license
- VIN or vehicle details
- Current mileage
- Driving history
- Desired coverage
Related: what information do I need for an Allstate auto insurance quote?
Compare Allstate to Other Providers
If you're comparing Allstate auto insurance to other providers, weigh the following:
- Coverage options vs. premium cost
- Claims process ease
- Availability of discounts
- Customer support ratings
- Tech tools and mobile app experience
Related: compare Allstate auto insurance
Noble Quote’s Take: Should You Choose Allstate?
At Noble Quote, we specialize in helping drivers get the best vehicle protection — whether that means factory warranties, third-party service contracts, or helping you understand how your insurance and warranty work together.
While Allstate is a solid option for many drivers, we always recommend comparing it to other providers and pairing it with the right extended coverage to fully protect your investment.
Explore extended warranties and vehicle protection plans in our Learning Center to see how you can bundle your coverage for total peace of mind.
Allstate Auto Insurance FAQs: Honest Answers to Real Driver Questions
What does Allstate auto insurance cover?
How much does Allstate auto insurance cost per month?
Monthly premiums vary based on factors like your driving record, location, age, and vehicle. On average, Allstate is slightly above the national rate, but discounts like Drivewise or bundling can lower your costs.
Is Allstate considered a good insurance company for car coverage?
Yes, Allstate is widely regarded as a reliable provider with strong financial backing, multiple coverage options, and advanced tools like Drivewise and Milewise. However, it may not be the cheapest option for every driver.
How does Allstate's Drivewise program work?
Drivewise tracks your driving habits using an app or plug-in device. It monitors speed, braking, and time of day. Safe drivers can earn discounts up to 40% and reward points for gift cards.
What is Allstate’s Milewise program?
Milewise is a pay-per-mile insurance plan. You pay a daily base rate plus a per-mile fee, making it ideal for people who drive infrequently or work from home.
Can I file an Allstate claim online or through the app?
Yes, Allstate makes it easy to file claims online or via the Allstate mobile app. You can track the claim status, upload photos, and get real-time updates. Most claims are resolved quickly, especially when using their Good Hands Repair Network.
Does Allstate offer auto insurance discounts?
Yes, Allstate offers a wide range of discounts, including multi-policy, safe driver, good student, new car, paperless, and more. Signing up early or enrolling in Drivewise can unlock additional savings.
Does Allstate offer car insurance for high-risk drivers?
Allstate may cover drivers with poor records, but rates are typically higher. Accident forgiveness may help prevent rate increases after your first incident.
Can I get an Allstate quote online and how long does it take?
Yes, you can get a quote online in under 10 minutes. You’ll need to enter your vehicle details, driver history, and desired coverage to receive a personalized quote.
What makes Allstate different from other auto insurance providers?
Allstate stands out for its tech-forward features like Drivewise, a nationwide network of local agents, and unique add-ons like new car replacement and accident forgiveness. These extras offer peace of mind — but you’ll want to compare rates to ensure value.
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