Allstate Insurance Review 2024 | Bankrate

At a glance

Allstate car insurance

Allstate home insurance

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  How we rated it
  

  
  
  

  To find the best overall home insurance companies, we started by analyzing metrics that we felt most impact customer experience. These included average rates from Quadrant Information Services as well as third-party scores and ratings from J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC), Standard & Poor’s (S&P) and Moody’s. We know that every homeowner has different needs, so we next reviewed coverage options and discounts. Lastly, we reviewed each insurer’s local agency availability, digital tools, corporate sustainability and giveback programs and national availability (which we define as being available in at least 48 states, since many insurers do not operate in Alaska or Hawaii).

  We strive to help homeowners understand how to choose the best company, and to that end, we chose to feature two insurers as the best — USAA and Allstate — based on their ratings in our scoring model. While our Bankrate Awards can be a good guide, every insurance company has its own operating guidelines, so the best way to find out if a carrier is right for you is to get a quote.

  To find the best overall home insurance companies, we started by analyzing metrics that we felt most impact customer experience. These included average rates from Quadrant Information Services as well as third-party scores and ratings from J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC), Standard & Poor’s (S&P) and Moody’s. We know that every homeowner has different needs, so we next reviewed coverage options and discounts. Lastly, we reviewed each insurer’s local agency availability, digital tools, corporate sustainability and giveback programs and national availability (which we define as being available in at least 48 states, since many insurers do not operate in Alaska or Hawaii).

  We strive to help homeowners understand how to choose the best company, and to that end, we chose to feature two insurers as the best — USAA and Allstate — based on their ratings in our scoring model. While our Bankrate Awards can be a good guide, every insurance company has its own operating guidelines, so the best way to find out if a carrier is right for you is to get a quote.

Allstate life insurance

Allstate Rating: 4.1 stars out of 5 4.1 Cost & ratings Rating: 3.8 stars out of 5 3.8 Coverage Rating: 4.5 stars out of 5 4.5 Support 4.0	AAA Rating: 3.8 stars out of 5 3.8 Cost & ratings Rating: 3.8 stars out of 5 3.8 Coverage Rating: 3.4 stars out of 5 3.4 Support Rating: 4.2 stars out of 5 4.2	Safeco Rating: 3.8 stars out of 5 3.8 Cost & ratings Rating: 3.1 stars out of 5 3.1 Coverage 5.0 Support 4.0
Tied for a 2024 Bankrate Award for Best Homeowners Insurance Company Overall, Allstate offers home, auto and life insurance for those who want the convenience of a single carrier for all their insurance needs. Read More	AAA is another large insurance carrier offering affordable home and auto insurance options as well as membership perks. Those who like convenience may also appreciate that some of AAA’s offices also offer services like DMV transactions, notary services and travel planning. Read More	Depending on the characteristics of your home, Safeco could be worth a look, as it offers a robust selection of coverage endorsements for both home and auto insurance. Safeco also offers a highly rated mobile app and online portal for customers who want to manage their policies and claims online. Read More
Safe driving rewards Strong mobile and online tools Teen driving training program	Military on-base discount MyUSAA Legacy discount SafePilot telematics program	Claims Free Cash Back program Guaranteed Repair Network RightTrack telematics program
$2,936	$2,125	No rates available
889/1000	847/1000	865/1000
$1,600	$765	No rates available
809/1000	808/1000	809/1000
A+(Superior)	A(Excellent)	A(Excellent)

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  Other Allstate tools and benefits
  

  
  
  

  Allstate’s diverse product offerings give customers an opportunity to have all of their insurance and financial needs met in a single place. These perks include:

  • Investment planning: Allstate’s financial representatives can also assist with 529 college savings plans, annuities, mutual funds, individual retirement accounts (IRAs) and workplace retirement plans. Allstate partners with several third parties — including American Funds, Franklin Templeton Investments, Fidelity, Equitable, Prudential, Protective and Lincoln Financial Group — to offer customers annuities, mutual funds and individual retirement accounts (IRAs).
  • Renters insurance: Renters can use this policy to help insure their belongings and provide liability and loss-of-use coverage.
  • Condominium insurance: This policy is specifically for condo unit owners who need coverage for the interior of their unit and their belongings. This policy also provides liability and loss-of-use coverage.
  • Landlord insurance: Allstate’s landlord policy can help keep you financially protected if you rent out property.
  • Identity theft insurance: Allstate identity theft insurance can alert you if your data is breached and help you with the next steps.
  • Umbrella insurance: For an added layer of liability protection, Allstate sells personal umbrella policies.
  • Pet insurance: For a monthly rate that is usually less than $50, you can keep your beloved pet’s health insurance covered by Allstate. Your policy will cover a wide range of needs, from sudden accidents to genetic conditions.
  • Motorcycle insurance: If you get around by motorcycle, you may want to consider having proper insurance — both for your own safety and that of your bike.
  • ATV/off-road insurance: Allstate may be able to insure an ATV or other off-road vehicle — including snowmobiles.
  • Boat insurance: Whether your craft is a fishing boat, powerboat, sailboat or pontoon, Allstate boat insurance keeps you covered.
  • RV insurance: This insurance is available for motorized and towable recreational vehicles. A few examples of non-motorized RVs that may be covered by this insurance include camper trailers, conventional travel trailers, truck campers, fifth-wheel travel trailers and horse trailers.
  • Phone protection: Whether it’s a cracked screen, busted battery or waterlogged phone, Allstate’s phone protection plan can be purchased regardless of your primary cell carrier.
  • Event insurance: If you’re hosting a large party at your home, purchasing event insurance may give you extra liability coverage and reimburse you if you lose deposits due to an unforeseen event.
  • Travel insurance: Allstate’s travel insurance even covers COVID-related occurrences, like positive tests and delays due to quarantine guidelines, as well as bad weather, medical emergencies or lost luggage.
  • Roadside assistance: If you worry about popping a tire or an unexpected engine malfunction, you can add roadside assistance to your Allstate car insurance policy.
  • Good Life: Allstate partners with TrueCar, Rategenius, AutoZone, Valvoline and Sirius XM to help give its customers discounted rates on services and products.
  • HomeAdvisor: With Allstate, customers could receive a free one-year subscription to Home Concierge by HomeAdvisor. This service can connect homeowners with professionals who can help with anything from gardening to landscaping to installing and repairing roofing, appliances, faucets and pipes, as well as services such as electrical work.
  • Digital Locker mobile app: This allows Allstate policyholders to take inventory of their personal belongings.
  • GoodHome: GoodHome is a tool that collects information about nearby home claims, weather forecasts and public records for homeowners to reference.
  • LifeTrek: LifeTrek may help you calculate how much life insurance you need and the right kind of policy for you.
  • My Money: This online tool can help with building a financial plan and investing and can even get you in touch with a financial consultant.

  Allstate’s diverse product offerings give customers an opportunity to have all of their insurance and financial needs met in a single place. These perks include:

  • Investment planning: Allstate’s financial representatives can also assist with 529 college savings plans, annuities, mutual funds, individual retirement accounts (IRAs) and workplace retirement plans. Allstate partners with several third parties — including American Funds, Franklin Templeton Investments, Fidelity, Equitable, Prudential, Protective and Lincoln Financial Group — to offer customers annuities, mutual funds and individual retirement accounts (IRAs).
  • Renters insurance: Renters can use this policy to help insure their belongings and provide liability and loss-of-use coverage.
  • Condominium insurance: This policy is specifically for condo unit owners who need coverage for the interior of their unit and their belongings. This policy also provides liability and loss-of-use coverage.
  • Landlord insurance: Allstate’s landlord policy can help keep you financially protected if you rent out property.
  • Identity theft insurance: Allstate identity theft insurance can alert you if your data is breached and help you with the next steps.
  • Umbrella insurance: For an added layer of liability protection, Allstate sells personal umbrella policies.
  • Pet insurance: For a monthly rate that is usually less than $50, you can keep your beloved pet’s health insurance covered by Allstate. Your policy will cover a wide range of needs, from sudden accidents to genetic conditions.
  • Motorcycle insurance: If you get around by motorcycle, you may want to consider having proper insurance — both for your own safety and that of your bike.
  • ATV/off-road insurance: Allstate may be able to insure an ATV or other off-road vehicle — including snowmobiles.
  • Boat insurance: Whether your craft is a fishing boat, powerboat, sailboat or pontoon, Allstate boat insurance keeps you covered.
  • RV insurance: This insurance is available for motorized and towable recreational vehicles. A few examples of non-motorized RVs that may be covered by this insurance include camper trailers, conventional travel trailers, truck campers, fifth-wheel travel trailers and horse trailers.
  • Phone protection: Whether it’s a cracked screen, busted battery or waterlogged phone, Allstate’s phone protection plan can be purchased regardless of your primary cell carrier.
  • Event insurance: If you’re hosting a large party at your home, purchasing event insurance may give you extra liability coverage and reimburse you if you lose deposits due to an unforeseen event.
  • Travel insurance: Allstate’s travel insurance even covers COVID-related occurrences, like positive tests and delays due to quarantine guidelines, as well as bad weather, medical emergencies or lost luggage.
  • Roadside assistance: If you worry about popping a tire or an unexpected engine malfunction, you can add roadside assistance to your Allstate car insurance policy.
  • Good Life: Allstate partners with TrueCar, Rategenius, AutoZone, Valvoline and Sirius XM to help give its customers discounted rates on services and products.
  • HomeAdvisor: With Allstate, customers could receive a free one-year subscription to Home Concierge by HomeAdvisor. This service can connect homeowners with professionals who can help with anything from gardening to landscaping to installing and repairing roofing, appliances, faucets and pipes, as well as services such as electrical work.
  • Digital Locker mobile app: This allows Allstate policyholders to take inventory of their personal belongings.
  • GoodHome: GoodHome is a tool that collects information about nearby home claims, weather forecasts and public records for homeowners to reference.
  • LifeTrek: LifeTrek may help you calculate how much life insurance you need and the right kind of policy for you.
  • My Money: This online tool can help with building a financial plan and investing and can even get you in touch with a financial consultant.

Frequently asked questions about Allstate

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  How do I file a claim with Allstate?
  

  
  
  

  Filing a claim with Allstate can be done online or through the mobile app. Those who want to speak to a live agent can call 1-800-ALLSTATE (1-800-255-7828) 24 hours a day, 7 days a week or their local insurance agent during normal business hours.

  Filing a claim with Allstate can be done online or through the mobile app. Those who want to speak to a live agent can call 1-800-ALLSTATE (1-800-255-7828) 24 hours a day, 7 days a week or their local insurance agent during normal business hours.

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  Is Allstate a sustainable company?
  

  
  
  

  The Allstate Foundation supports a variety of causes, including diversity and inclusion efforts. These efforts focus on inclusive hiring by partnering with organizations like the Society of Women Engineers, Recruit Military and the National Association of Black Accountants. Allstate also focuses on youth empowerment and relationship violence prevention, recently investing $4 million in programs that advance these causes.

  In partnership with Northwestern University Kellogg School of Management, the Allstate Foundation helps further the education of nonprofit leaders. Through the Helping Hands program, Allstate agency owners and employees who volunteer four to 16 hours can earn $500 to $1,000 toward the organization of their choice. 

  The Allstate Foundation supports a variety of causes, including diversity and inclusion efforts. These efforts focus on inclusive hiring by partnering with organizations like the Society of Women Engineers, Recruit Military and the National Association of Black Accountants. Allstate also focuses on youth empowerment and relationship violence prevention, recently investing $4 million in programs that advance these causes.

  In partnership with Northwestern University Kellogg School of Management, the Allstate Foundation helps further the education of nonprofit leaders. Through the Helping Hands program, Allstate agency owners and employees who volunteer four to 16 hours can earn $500 to $1,000 toward the organization of their choice. 

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  Is Allstate good about paying claims?
  

  
  
  

  Allstate boasts an A+ (Superior) financial strength rating from AM Best and an above-average J.D. Power rating for auto claims satisfaction. Both of these ratings indicate that Allstate has sufficient financial resources to pay out claims. However, Allstate scored below average in J.D. Power’s 2023 Property Claims Satisfaction study and had a higher-than-average auto insurance complaint score on the NAIC index. 

  Allstate boasts an A+ (Superior) financial strength rating from AM Best and an above-average J.D. Power rating for auto claims satisfaction. Both of these ratings indicate that Allstate has sufficient financial resources to pay out claims. However, Allstate scored below average in J.D. Power’s 2023 Property Claims Satisfaction study and had a higher-than-average auto insurance complaint score on the NAIC index. 

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  How do you negotiate with Allstate?
  

  
  
  

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  Is Allstate better than State Farm?
  

  
  
  

  Although Allstate and State Farm are comparable in many ways, State Farm ranked slightly better for auto and home claims satisfaction in 2023 per J.D. Power. Whether Allstate is better than State Farm really depends on what you’re looking for in an insurance company. If price is the most important factor, get quotes from both companies to compare. If customer service matters most, you may want to read company reviews or speak with current customers. If digital tools are imperative, State Farm bests Allstate in J.D. Power’s 2023 U.S. Insurance Digital Experience Study.

  Although Allstate and State Farm are comparable in many ways, State Farm ranked slightly better for auto and home claims satisfaction in 2023 per J.D. Power. Whether Allstate is better than State Farm really depends on what you’re looking for in an insurance company. If price is the most important factor, get quotes from both companies to compare. If customer service matters most, you may want to read company reviews or speak with current customers. If digital tools are imperative, State Farm bests Allstate in J.D. Power’s 2023 U.S. Insurance Digital Experience Study.

• 
  Is Allstate cheaper than Geico?
  

  
  
  

  Allstate is more expensive than Geico, on average. Geico’s average annual full coverage premium rate is $1,735, while Allstate offers an average rate of $2,936 for full coverage car insurance.

  Allstate is more expensive than Geico, on average. Geico’s average annual full coverage premium rate is $1,735, while Allstate offers an average rate of $2,936 for full coverage car insurance.