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How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Allstate Car and Home Insurance Review (2024)

Updated on:
Content was accurate at the time of publication.

Allstate car insurance rates are expensive, but its cheap homeowners rates make it a good company for bundling your home and auto insurance.

Find the Cheapest Car Insurance Quotes in Your Area

Pros

  Home insurance rates are 26% less than the national average

  Excellent complaint rating for home insurance

  Generous discounts for bundling your home and auto insurance

  Coverages available for home-sharing and rideshare drivers

  Mileage-based car insurance available in 17 states

Cons

  Full-coverage car insurance costs 32% above the national average

  Gap insurance not available for auto policies

  Slightly subpar satisfaction scores for home and auto

 

Allstate is a particularly good company if you plan to bundle your home and auto insurance. Its low home rates offset its high auto costs, and you get a generous discount for combining your home and auto policies.

Allstate is the nation’s fourth-largest car insurance company, and it ranks second for home insurance.

  • Allstate has an excellent complaint rating for home insurance from the National Association of Insurance Commissioners (NAIC). This looks at confirmed complaints (complaints that lead to a finding of fault).
  • Allstate has slightly below-average customer satisfaction reviews for home and auto insurance, according to J.D. Power.

Allstate customer-service ratings at a glance

Rating categoryAllstate’s scoreSegment average
Auto insurance satisfaction (higher is better)814820
Home insurance satisfaction (higher is better)809819
Auto complaint rating (lower is better)0.951.0
Home complaint rating (lower is better)0.331.0

Sources: J.D. Power 2023 U.S. Auto Insurance Study; J.D. Power 2023 U.S. Home Insurance Study; NAIC complaint records for 2022

Allstate charges an average of $2,609 a year for full-coverage car insurance. That’s 32% higher than the national average ($1,972 a year).

Allstate’s minimum-liability rates average $1,158 a year, which is 50% higher than the national average ($773 a year).

But since car insurance rates vary by customer, be sure to shop around. And note that policies are usually more expensive for some drivers, such as teens, or those with DUIs or poor credit.

CompanyFull coverage annual rateLiability-only annual rate
State Farm$1,487$597
Travelers$1,919$835
American Family$1,920$728
Geico$1,937$727
Progressive$2,032$791
Nationwide$2,226$963
Allstate$2,609$1,158
Farmers$3,091$1,188

Allstate car insurance rates by state

Allstate’s car insurance rates vary by state. Its average prices range from $1,602 a year in Maine for full coverage up to $5,150 a year in Florida.

StateFull coverage annual rateLiability-only annual rate
Alabama$2,030$944
Alaska$1,877$561
Arizona$3,426$1,474
Arkansas$2,415$863
California$2,091$781
Colorado$3,000$1,209
Connecticut$2,857$1,280
Delaware$4,063$2,289
District of Columbia$3,661$1,703
Florida$5,150$2,222
Georgia$1,869$972
Hawaii$2,086$844
Idaho$1,838$668
Illinois$2,876$1,272
Indiana$2,269$1,018
Iowa$2,055$697
Kansas$2,678$1,118
Kentucky$4,036$1,795
Louisiana$2,915$966
Maine$1,602$770
Maryland$3,496$2,024
MassachusettsNANA
MichiganNANA
Minnesota$2,719$1,103
Mississippi$2,237$893
Missouri$2,618$1,126
MontanaNANA
Nebraska$2,373$894
Nevada$2,875$1,538
New Hampshire$2,164$1,128
New Jersey$2,750$1,339
New Mexico$2,400$1,105
New York$2,855$1,590
North Carolina$2,362$914
North Dakota$2,156$996
Ohio$1,988$827
Oklahoma$2,548$1,027
Oregon$3,374$1,894
Pennsylvania$2,372$1,060
Rhode Island$3,129$1,686
South Carolina$2,321$1,160
South DakotaNANA
Tennessee$2,392$934
Texas$2,804$1,038
Utah$2,508$1,333
Vermont$1,844$427
Virginia$3,188$1,445
Washington$1,709$909
West Virginia$2,284$863
Wisconsin$2,215$1,009
Wyoming$2,128$710

Rates not available (NA) for every state.

Allstate’s variety of discounts can add up to sizable savings, including average savings of 25% for bundling your home and car insurance.

It also has a DriveWise program. It uses a smartphone app to monitor your driving for unsafe speeding or hard braking — avoiding these behaviors can get you a discount when you renew.

Allstate’s pay-per-mile Milewise program can save you money if you only drive a few thousand miles or less each year. Unfortunately, Milewise is only available in 17 states.

Allstate also offers discounts for:

  • Having a new car
  • Having anti-lock brakes
  • Having an anti-theft device
  • Setting up automatic payments
  • Going paperless with Allstate’s eSmart plan
  • Signing your policy at least seven days before it begins

Besides normal auto insurance coverages, like liability and collision, Allstate has other handy options, such as:

  • Deductible rewards: Reduces your deductible at no extra cost when you avoid accidents
  • New car replacement: Replaces a new car after a total loss, with no deduction for depreciation
  • Roadside assistance: This optional add-on costs $25 a year per vehicle

Allstate also has add-on coverage for rideshare drivers, called Ride for Hire. It bridges the gap between your personal auto coverage and the insurance your rideshare company provides.

Unfortunately, Allstate does not offer gap insurance or original equipment manufacturer (OEM) coverage.

Allstate charges an average of $2,560 a year for homeowners insurance. This rate is 26% less than the national average ($3,444 a year).

As with car insurance, rates will vary, so it’s worth comparing quotes from different companies to see what’s available.

CompanyAverage Annual Rate
Erie$2,055
State Farm$2,427
Allstate$2,560
Country Financial$2,827
Nationwide$3,055
American Family$3,072
Travelers$3,149
Farmers$3,801

Find the Cheapest Home Insurance Quotes in Your Area

Allstate home insurance rates by state

In addition to charging rates that are lower than the national average, Allstate has the cheapest average home insurance rates in 10 states:

  • Alabama
  • Arkansas
  • Connecticut
  • Hawaii
  • Kentucky
  • Missouri
  • New Jersey
  • South Carolina
  • Vermont
  • Washington

StateAnnual rate
Alabama$2,228
Alaska$1,566
Arizona$3,331
Arkansas$3,473
California$933
Colorado$4,120
Connecticut$1,737
Delaware$1,094
District of Columbia$1,465
FloridaNA
Georgia$3,100
Hawaii$514
Idaho$1,575
Illinois$2,225
Indiana$1,582
Iowa$2,807
Kansas$5,130
Kentucky$2,240
Louisiana$3,962
Maine$2,440
Maryland$2,173
MassachusettsNA
MichiganNA
Minnesota$3,371
Mississippi$4,835
Missouri$2,356
Montana$4,265
Nebraska$5,581
Nevada$1,565
New Hampshire$1,255
New Jersey$1,028
New Mexico$2,519
New York$1,719
North Carolina$3,055
North Dakota$2,776
Ohio$2,285
Oklahoma$5,553
Oregon$2,301
Pennsylvania$1,522
Rhode Island$2,209
South Carolina$1,274
South DakotaNA
Tennessee$3,242
Texas$5,858
Utah$1,339
Vermont$768
Virginia$3,023
Washington$1,061
West Virginia$2,128
Wisconsin$2,113
Wyoming$2,841

Rates not available (NA) for every state.

Just as with its car policies, Allstate homeowners insurance has many discounts available, including:

  • Bundling your home and auto insurance
  • Having a newly constructed home
  • Being a recent homebuyer
  • Having theft or fire protection devices
  • Having a good payment history
  • Not having recent home insurance claims

Allstate’s standard home insurance coverages provide the usual protections, along with several add-ons that might also be valuable.

For example, extra coverage for water backups and for valuables such as jewelry can be worth the added cost.

Other optional home insurance add-ons from Allstate include:

  • Replacement cost coverage
  • Eco-friendly replacements for damaged home systems and appliances
  • Enhanced coverage for sports equipment and musical instruments

Allstate’s HostAdvantage increases the protections for your belongings if you rent your home out for short periods.

Methodology

LendingTree obtains insurance rates from public filings reported to Quadrant Information Services.

Allstate’s car insurance rates are based on an analysis of quotes for typical drivers in 46 states and the District of Columbia. Home insurance rates are based on quotes for typical homes in 47 states and the District of Columbia.

Liability-only car insurance policies meet each state’s minimum car insurance laws. Full-coverage policies include:

  • Bodily injury liability: $50,000 per person, $100,000 per accident
  • Property damage liability: $25,000
  • Uninsured motorist bodily injury: $50,000 per person, $100,000 per accident
  • Collision: $500 deductible
  • Comprehensive: $500 deductible
  • Personal injury protection: Minimum limits, where required

Home insurance policies include:

  • Dwelling limit: $400,000
  • Other structures: $40,000
  • Personal property: $200,000
  • Loss of use: $80,000
  • Personal liability: $100,000
  • Medical payments: $5,000
  • Deductible: $1,000