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
Related Blogs
Decoding “As-Is”: Your Essential Guide to Buying a Used Car
Used Car Paperwork Checklist: Everything You Need to Buy Smart
The Ultimate Guide to Scoring a Great Deal on a Used Car
Unlock Your Dream Ride: The Ultimate Guide to Scoring a New Car Deal
The Extended Warranty Pitch: What Dealers Don't Always Tell You
Affordability Crisis: How Rising Costs are Putting the Brakes on Car Sales
Slate’s Electric Entry: A Deep Dive into the New Automotive Truck
Save More, Stress Less: Family Budgeting Tips That Work
Pessada Holdings: BBB A+ Rated Excellence
Decoding Auto Insurance: Your Easy-to-Understand Guide
7 Reasons Why the Chevrolet Chevelle Was More Than Just a Pretty Face
Should You Buy a Truck? The Ultimate Pros and Cons List
Off-Roading vs. Overlanding: What’s the Difference?
Is Your Car a Ticking Time Bomb? The Unexpected Costs of Car Ownership
Nissan Frontier: Conquer Any Terrain in Style and Comfort
Car Trouble? Your Insurance Might NOT Cover This!
Extended Warranty Secrets: Unlocking Surprising Perks You Didn’t Know Existed!
The Car Repair Lottery: Are You Feeling Lucky?
'Tis the Season to Be Jolly... and Protected: Why an Extended Warranty is the Gift That Keeps on Giving
Zombie Apocalypse Survival Tip #1: Get an Extended Warranty (Brains Not Included)
Ford F-150: This Ain't Your Grandpa's Pickup!
That Annoying Hemi Tick: Why It Happens & How to Stop It
Why Your Headlights Are Turning Yellow (And How to Prevent It)
Car Scratches Driving You Crazy? 10 Steps to Fix Them Yourself
2015 Nissan Altima Warranty Expired? Get Extended Coverage Today!
Ford Power Steering Repair: Problems & Solutions
Honda A/C Compressor Failure: Causes, Symptoms & Repair Costs
Save on Car Repairs: NobleQuote vs. Toco Extended Warranty Review
2016 Jeep Wrangler Extended Warranty: Coverage & Options
Electric Vehicles 101: What You Need to Know Before Making the Switch
2008 Toyota Camry: Common Repairs and Why Extended Coverage is a Smart Investment
2015 Ford Explorer: Avoid Costly Repairs with the Right Extended Warranty
Maximize Your Tesla Warranty: Smart Strategies for Extended Coverage
Selling Your Car in 2025? Don’t Make These Mistakes!
Tesla Cybertruck: Overpriced or Over-the-Top Awesome?
Skip the Dealership: The Rise of Online Car Buying
Car Safety Technology: How Advanced Driver-Assistance Systems (ADAS) Are Changing the Game (and Your Insurance Rates)
Why Can’t I Include My Warranty in My Car Financing? Answers to Your Top Questions
What to Do When the Dealership Makes Warranty Cancellation a Hassle
Boost Your EV's Range: Tips and Tricks for Maximum Mileage
Is Cruise Control REALLY Saving You Fuel? The Truth Revealed
Bumper to Bumper Extended Warranty: What Does it Really Mean?
Why Is My Car Heater Blowing Cold Air?
Level Up Your EV Charging Knowledge: A Guide to Charger Types
Selling Your Soul for an Extended Car Warranty (And Why They Keep Calling)
Speaking Car: How to Clearly Communicate with Your Mechanic
From Referrals to Reviews: Finding the Perfect Repair Shop for You
Top 5 Most Expensive Car Repairs Your Manufacturer Warranty WON'T Cover
CarMax MaxCare vs. Noble Quote: Extended Warranty Showdown
Affordable Protection: Noble Quote vs. Autopom Warranty Pricing
Avoid Costly Repairs: Noble Quote vs. Ox Car Care Warranties
Don’t Buy a Honda Warranty Before Reading This! Noble Quote vs. HondaCare
Mercedes-Benz G-Class Review: On and Off-Road Performance, Features, and Price
Extended Warranty vs. Self-Insuring: Which Is Right for You?
Best Extended Warranty for Your Ford: Noble Quote or Ford Protect?
Charging Your Peace of Mind: Using a Credit Card to Buy a Car Warranty
Noble Quote vs. Omega Auto Care: Which Auto Warranty Is Right for You?
Cadillac Escalade: Mastering the Maintenance
Knight Rider vs. Back to the Future: A Battle of the 80s Icons
10 Things You Didn't Know About James Bond’s Aston Martin DB5
Cupid's Got Horsepower: Rev Up Your Valentine's Day!
Chevy Suburban Repair Guide: Common Problems
The Greatest NASCAR Rivalries of All Time: On-Track Battles and Off-Track Drama
Beyond F1: Exploring the World's Most Extreme Racing Series
5 Car Problems That’ll Make You Wish You Had an Extended Warranty
If NASCAR Had Car Warranties: The Pit Stop Chaos You’d See
Forza: The Perfect Blend of Simulation and Arcade Fun
The "New Car Smell" Doesn't Last Forever: Protecting Your Investment Long-Term
Warranty Myths Busted: Don't Fall for These Common Misconceptions
We've Moved! Noble Quote's New Home at the Lake of the Ozarks
The Future of Racing: Electric Cars, Autonomous Vehicles, and Beyond
Porsche Cayenne Engine Problems: What to Watch For
Supercar Dreams on a Budget: The Most Affordable Exotics for First-Time Buyers
The Most Common Car Breakdowns of 2025 (And How to Avoid Them)
Chevy Malibu Ownership: Staying Ahead of the Repair Curve
Mazda Extended Warranty: Your Comprehensive Guide
Protect Your Car & the Planet: Introducing NobleQuote's Green Choice Program
Subaru Extended Warranty: Your Ultimate Guide
Ford Raptor Extended Warranty Guide: Conquer the Road with Confidence
Dodge TRX: King of the Off-Road
Kansas City Chiefs Players: You Won’t Believe What They’re Driving!
Porsche GT3: Beyond the Numbers – The Soul-Stirring GT3 Experience
Ferrari vs. Lamborghini: A History of Innovation and Rivalry
Noble Quote: Driving with Confidence, Protected from Unexpected Repairs
The Truck Owner’s Peace of Mind: Why Noble Quote Leads the Pack in Truck Repair Protection
Rivian R1S Review: Is This the Ultimate Electric Adventure SUV? (2025)
Protecting Your Ride Like Jalen Protects the Pocket: Cars, Eagles, and Smart Investments
Beyond Coverage: How Extended Warranties Can Expedite Your Car Repairs Amid Supply Chain Challenges
DIY Oil Change: Do It Better Than the Pros (and Save Money!)
Keeping vs. Selling: Weighing Your Car Options & the Value of an Extended Car Warranty
Nissan Pathfinder Common Problems: A Complete Repair Guide
Extended Car Warranty with Active Factory Coverage: Smart Move or Waste of Money?
What to Do If Your Vehicle Service Contract Claim Is Denied
What Happens to My Vehicle Service Contract If I Sell My Car?
Vehicle Service Contracts for SUVs and Trucks: Protecting Your Investment
Maximize Your Savings: Understanding Your Vehicle Service Contract Deductible Options
Navigating the Online Vehicle Marketplace: Your Comprehensive Guide to Finding the Perfect Car or Truck
Stop Paying for Potholes: The Smart Way to Protect Your Wheels and Tires
Don’t Get Stuck With Repair Bills: Ford Edge Warranty Coverage Explained
RV Road Trip Ready: Secure Your Adventures with Extended Warranty Coverage
Recession-Proof Your Ride: Why an Extended Car Warranty Makes Sense Now
What is a Home Warranty and Do You Need One?
NobleQuote: Best Auto Protection, Not Just the Oldest
Kia Telluride Review: Unpacking the Features and the Real Cost to Own
Decoding Your Wallet: The Benefits of Using Cash and Credit Wisely
Bitcoin vs. Cash: A Head-to-Head Comparison of Features
Beyond the Hype: A Realistic Look at Hyundai Ioniq 5 Ownership Costs and Performance
Unlock Better Opportunities: Your Guide to Understanding and Improving Your Credit Score
Safe Kids: Your Comprehensive Guide to Child Car Seat Installation Tips and Guidelines
Chevy Colorado: Unpacking the Features and the Real Cost of Ownership
Don’t Let Tariffs Hike Your Bills: The Smart Way an Extended Warranty Saves You on Car Repairs
Drive Smart, Save Smarter: Your Guide to Budgeting for Car Care
The Downtime Trap: How Car Repairs Can Cost You More Than Just the Bill
Tech Troubles Ahead? The Rising Costs of Modern Vehicle Repairs
DIY Danger? The Financial Risks of Handling Car Repairs Yourself
Smart Buyer’s Guide: Ford F-250 Review and Long-Term Ownership Costs (2022–2024)
Depreciation Demystified: Planning for Your Car’s Future Value
New vs. Used: A Financial Showdown for Your Next Vehicle
Blockchain Basics: The Technology Behind Cryptocurrencies
Beyond Self-Driving: OpenAI and the Next Generation of Automotive Intelligence
Living with a Legend: The Hidden Costs of Dodge Challenger Hellcat Ownership
The Crypto Long Game: Proven Strategies for Building Generational Wealth
Family First, Finances Second? The Real Cost of Owning a Toyota Highlander
Understanding Car Leasing: A Complete Guide for First-Timers
Drive Away Richer? Credit Card Secrets for Smart Car Buying
The EV Territory Wars: US Automakers Fight for Survival
From Solid Axle to Supercar: The Ultimate Guide to Every Corvette Generation (C1–C8)
Hello, Robot Neighbor: The Dawn of Everyday AI and Its Impact
Beyond the Movie: The Gritty Truth of Ford vs. Ferrari
Slash Your Car Insurance Bills: Expert Tips You Need Now
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.
Suggestions for you
Read More
Authored by: Deric Kalamitsiotis • 5 minutes
Published on: Aug 7, 2025
Steering Wheel Shake or Wobble Causes Symptoms and Fixes
Authored by: Joseph Scott • 6 minutes
Published on: Aug 5, 2025
Brad Pitt F1 Movie: Everything You Need to Know About the Release Date, Cast, and APXGP Car
Authored by: Deric Kalamitsiotis • 5 minutes
Published on: Jul 25, 2025
Subaru Forester: The Unsung Hero of Adventure, Value, and the Long Haul (Owner Insights & VSC Value)
Let’s work together
Every week we showcase three charitable organizations that our donations are sent to. Our clients are able to choose which of these three will receive their gift when they add coverage to their vehicle...