Allstate Car and Home Insurance Review (2024)
- Expertise: Auto insurance, home insurance and renters insurance
- Education: University of California-Berkeley (BA in History)
Rob Bhatt is a licensed insurance agent and joined the staff of Lending Tree in 2021. Previously, he spent more than 20 years writing for and editing regional publications in California, Nevada and Washington. Rob enjoys helping readers understand how different coverages work so they can make informed purchasing decisions, and he specializes in producing research-backed content for LendingTree about auto, home and renters insurance. His work has been cited by ABC, Business Insider, MSN and Yahoo.
Allstate car insurance rates are expensive, but its cheap homeowners rates make it a good company for bundling your home and auto insurance.
Pros
Home insurance rates are 9% 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 car insurance review: Is Allstate a good company?
LendingTree Score: 3.2 out of 5
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 category | Allstate’s score | Segment average |
|---|---|---|
| Auto insurance satisfaction (higher is better) | 814 | 820 |
| Home insurance satisfaction (higher is better) | 809 | 819 |
| Auto complaint rating (lower is better) | 0.95 | 1.0 |
| Home complaint rating (lower is better) | 0.33 | 1.0 |
Sources: J.D. Power 2023 U.S. Auto Insurance Study; J.D. Power 2023 U.S. Home Insurance Study; NAIC complaint records for 2022
How much is Allstate car insurance?
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.
| Company | Full coverage annual rate | Liability-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.
| State | Full coverage annual rate | Liability-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 |
| Massachusetts | NA | NA |
| Michigan | NA | NA |
| Minnesota | $2,719 | $1,103 |
| Mississippi | $2,237 | $893 |
| Missouri | $2,618 | $1,126 |
| Montana | NA | NA |
| 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 Dakota | NA | NA |
| 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.
Car insurance discounts from Allstate
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
Allstate auto insurance coverage
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.
How much does Allstate homeowners insurance cost?
Allstate charges an average of $2,560 a year for homeowners insurance. This rate is 9% less than the national average ($2,801 a year).
As with car insurance, rates will vary, so it’s worth comparing quotes from different companies to see what’s available.
| Company | Average 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 |
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
| State | Annual 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 |
| Florida | NA |
| 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 |
| Massachusetts | NA |
| Michigan | NA |
| 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 Dakota | NA |
| 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.
Home insurance discounts from Allstate
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 home insurance coverages
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
LendingTree rated car insurance companies based on an assessment of each of their average rates, NAIC Complaint Index scores, discounts, coverages, financial strength ratings, along with their app and website experience. These categories were then weighted based on importance:
- Cost: 40%
- NAIC Complaint Index score: 30%
- Discounts: 10%
- Coverages: 10%
- A.M. Best financial strength rating: 5% ?
- Web and app usability: 5%
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