Based in Northfield Township, Illinois, Allstate is one of the largest and most well-known insurers. In 2021, it wrote over 41 billion property/casualty premiums, according to the National Association of Insurance Commissioners (NAIC). Allstate offers several forms of coverage—including auto, home, and renters—as well as investment and banking services in all 50 states and Washington, D.C.
This guide will tell you everything you need to know about Allstate auto, homeowners, and renters insurance. This includes detailed information about types of coverages, discounts, and rate factors. Finally, we’ll give you some important company information, including its financial strength, customer satisfaction rating, claims process, and more.
- Lots of coverage options
- Fourth-largest property casualty insurer
- Extra home and renters coverages
- Numerous local agents
- Higher than average rates
- More complaints than average
- Fewer auto discounts
Allstate Auto Insurance
Allstate is one of the top ten largest auto insurers in the country, according to the Insurance Information Institute (III). It’s also known for its high level of customer satisfaction. J.D. Power gave the carrier a score of 854 out of 1,000 on its 2022 national insurance shopping study. J.D. Power places it sixth in the US among all providers.
Allstate offers several types of auto coverage. This includes the essentials, such as liability, collision, and comprehensive.
Below is a complete list of it’s auto coverage options:
Liability protects you from any damages or injuries you cause to others in an at-fault accident. Most states require liability coverage, at minimum, to get behind the wheel.
Comprehensive is another component of full-coverage that protects you from damages to your car due to “acts of God” or random disasters and events, such as:
- Water damage
- Weather and natural disasters including hailstorms
- Hitting an animal
Medical Payments Coverage (MedPay) and Personal Injury Protection (PIP)
Both medical payments and personal injury protection are offered for those living in no-fault states or anyone who wants extra coverage. MedPay and PIP cover you or your passengers’ injuries in an accident regardless of fault.
Uninsured and Underinsured Motorist (UM and UIM)
You may want to add UM and UIM to your policy. In fact, many states require that policies include one or both of the them. They’re important to have because they protect against unforeseen costs associated with a crash caused by an uninsured or underinsured driver. Some states, such as New York or New Jersey, may require either UM or UIM.
Rental reimbursement pays for you to have a rental car while yours is in the shop. This only kicks in if your car needs repairs because of a covered accident.
New Car Replacement
If your car is totaled, this new car replacement coverage will help you replace your new car. This means you’ll be able to get one of the same make, model, and year.
Guaranteed Asset protection (Gap)
If your new car only has a partial loss in value, this repair provision coverage will step in to pay for the repairs at replacement cost.
Personal Umbrella Policy
Umbrella insurance is a great way to add extra liability protection. Personal umbrella policies are available if you want further protection from expensive liability claims.
Classic Car Insurance
Allstate offers classic and collector coverage, which is handy if you plan on taking your car on the road for auto shows or fun.
Mexican Travel Coverage
You must have valid auto insurance if you’re planning to drive in Mexico. Allstate offers a Mexico tourist policy that’ll adequately protect you. This policy is separate from your regular one. Speak to your agent about adding this to your policy before your trip so that you’re fully protected.
Few insurers offer coverage designed specifically for short-term driving trips into Mexico. So, if this is indispensable to you, this insurer is a solid choice.
Allstate Motor Club (Roadside Assistance)
The Allstate Motor Club offers several types of roadside assistance services. You can even join this standalone program if you don’t have an insurance policy. You read that right. You can sign up for Motor Club roadside services even when another provider covers your vehicle.
Drivers can access roadside assistance services in three different ways:
- Membership plans: roadside advantage and roadside elite
- Pay-per-use plan
- As an add-on to your existing auto policy
Each service is priced according to how you use it. But, for the most part, the roadside assistance services provided under each plan are the same. They just have different maximum annual benefits. You’ll get the following with each plan:
- 24/7 roadside assistance service
- Accessible on mobile app
- Lockout service
- Fuel delivery
- Battery jump-starts
Note: this service won’t charge batteries for electric vehicles. It will, however, help you get to a charging station or tow you home.
Allstate’s roadside advantage and elite plans are where people can see the most benefits. They’re both available to anyone and include several features that you don’t often find with other providers. Here are some important features of each program:
- Cost for first-year members: $89 per year
- Up to five rescues each year for the above benefits
- $1,500 of trip interruption coverage
- Road hazard benefit (two uses per year at $100 each)
- Cost for first-year members: $164 per year
- Up to five rescues each year for the above benefits
- $1,500 of trip interruption coverage
- Road hazard benefit (two uses per year at $250 each)
- RVs and motorcycles qualify
How to Request Roadside Assistance
Policy Term Length
The most common policy term length is six months. Many people like the flexibility the shorter term length affords. It’s also easier to pay smaller premiums in full to take advantage of full payment discounts. Other people prefer to lock in rates that seem to rise with every renewal. They can negotiate other term periods, including 12-month terms. But short-term or temporary coverage is not offered. For that, you’ll need to look elsewhere.
Allstate insures high-risk drivers through its subsidiary company, Safe Auto. These are usually drivers with lots of tickets and accidents on their record. It may also be someone who has a DUI or other serious offense like reckless driving. Either way, Safe Auto may offer you a policy in this case, but it’ll be at a very high rate. Many providers also refer to this coverage as non-standard coverage.
Vehicles with salvage titles were at one time in a collision so bad they were declared total losses. This branding means these cars are unsafe and illegal to drive. And that’s why providers won’t cover salvages. However, if you have the vehicle repaired by a certified mechanic and it passes rigorous safety testing, it may qualify for a new state-assigned title.
Allstate offers car insurance for rebuilt titles with few exceptions. Vehicles with this branding have been thoroughly inspected by the state and met it’s safety standards. So, if yours was deemed roadworthy by your state of residence, Allstate will probably cover it.
However, Allstate may limit you to a liability-only. Full coverage insurance on a rebuilt title is uncommon. Also, expect to pay more to insure a restored car than you would for a similar one with a clean title. Some drivers pay as much as 20% more to cover a vehicle with a reconstructed title. The reason for the price bump is that a rebuilt vehicle’s accident history raises safety concerns.
How to Get a Quote
If Allstate’s looking like the right company for you, you’ll want to get a quote. You can get one in three easy steps:
- Through the form on the website
- Over the phone by calling (866) 614-3800
- By contacting a local agent
When you get a quote, you’ll need to provide some personal info. It may seem like a lot at first, but it’s all necessary to give you a fair and accurate price. Here are the details you’ll need handy to finalize a quote:
- Your name
- Email address
- Phone number
- How many drivers are on your policy
- Desired coverages and limits
- Make, model, and VIN of your car
- If there have been any tickets or accidents on your record in the past five years
- Whether you’ve filed or need to file an SR-22 form
Keep in mind that the quote you receive online may not be your final rate. You’ll usually need to speak with a representative to finalize your quote.
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How much you pay for auto insurance will vary based on several factors. These factors are small details about you that indicate your risk as a driver and customer. Some of these are within your control and others, such as your gender or age, won’t be. Below are a few of the most common rate factors:
- The car you drive
- Credit score
- Driving history
- Claims history
Allstate is known to be one of the more expensive insurers in the country. You should also expect rates to increase further due to inflation. Still, there are many discounts available to lower your premium. For example, it’s Drivewise program saves good drivers up to 40%.
Allstate provides a healthy selection of auto insurance discounts to help lower your rates. Many of them are fairly easy to qualify for and can knock a good percentage off your premium. Discounts are one of the key reasons why a company could be the right choice for you. The more of them that match up with your life, the better fit the insurer is.
Bundling/Multiple Policy Discount
Bundling applies to customers with multiple policies. It’s also a type of customer loyalty discount that saves you up to 25% when Allstate covers both your car and home. You can bundle other policy types as well, including condo, life, and renters. According to our research, this provider has the second best auto and home bundle out of the major insurers.
Driver and Driving Behavior Discounts
Allstate has a few different telematics programs. Based on overall company quality and how much you can save, we believe this provider has the best driving safety monitoring system. Below is a review of its telematics program (rules and savings vary by state):
Safe Driving Club
The first step in joining the Safe Driving Club is downloading the mobile app. Next, activate Drivewise, Allstate’s telematics program. The app’s motion detectors record some of your basic driving behaviors. Some of this data may include starts, stops, speeds, crashes, and time of day. It can also tell if and how long your phone’s used while driving.
Safe Driving Bonus Program
Just downloading and activating Drivewise in the app kicks off immediate savings. Joining the Safe Driving Bonus program is where you’ll find the greatest savings. Safe drivers with good driving habits as detected by their app can collect points. These points add up fast for the best drivers. Every six months, they’ll get a Safe Driving Bonus.
In other words, you’ll get a Safe Driving Bonus every six months if you go without an accident. Note that this depends on your driving history. How much you save depends on how safe you drive. It’s as easy as that. Your state could also be a factor in your bonus amount.
Bad drivers need not worry. Allstate claims your rates will never increase when you perform poorly.
Smart Student Discount
The Smart Student discount is an interesting combination of both the student away at school and good student discount. Oddly enough, you can swing this discount even if your student’s not so good in school. Qualifying is easy. You or your child must be 24 or younger, unmarried, and meet just one of the following criteria:
- Full-time student with a B- or 2.7 GPA or better
- Live 100 miles away from where you garage your car
- Completed the teenSMART driver education program. Check with your agent to confirm eligibility. (Discount not available in AZ, DC, HI, LA, MA, MN, NC, NJ, and NM)
Teen Driver Discounts
The carrier’s website teases discounts for teen drivers on its website. But you must contact your agent to learn more.
Customers with newer cars with anti-theft devices and anti-lock brakes (ABS) are rewarded with safety discounts. Score a trifecta with all three criteria met to maximize savings!
The anti-lock brake discount applies to vehicles with this safety feature. Look for “ABS” on the dashboard of newer model cars.
The anti-theft device discount protects your car and pocketbook! You must have eligible equipment on your car to qualify.
Newer model cars get into fewer crashes. They’re in prime condition, with fresh tires and all the modern safety features that help them avoid collisions. To qualify for the new car discount, you must be the car’s first owner and its model year must be current or one year prior.
Auto Policy Discounts
Allstate provides many policy and payment discounts to help reduce your premium. Most of these are no-brainers. Qualifying for discounts such as paperless documents, early signing, automatic payments, and most of the rest is within anyone’s wheelhouse.
Sign up for ePolicy to view your policies online. This paperless billing discount is smart, easy, and it’ll save you money.
The early signing discount applies when you sign your policy seven or more days before the effective date.
The Easy Pay Plan discount applies when you schedule automatic payment withdrawals from your bank’s checking or savings account. Select any date you want to make your monthly payment.
You’ll qualify for the FullPay discount and pay less for coverage when you pay your policy in full.
To get the responsible payer discount, all you need to do is pay your bill on time every month for a year.
Deductible Rewards Program
This optional program will deduct $100 from your collision deductible just for signing up. After that, every year you go accident-free with Allstate reduces your collision deductible by another $100. The program tops out at $500.
If you get into an accident, it’ll deduct savings from your collision deductible. If you maxed the reward out at $500 and your deductible was also $500, you’d pay no collision deductible after an accident.
Contact your agent for program availability in your area.
Filing an Auto Claim
Filing a claim is a simple process. To file a claim, you’ll need to do so on the insurer’s website by either registering or logging into your existing account. You can also file a claim over the phone at (800) 255-7828.
Track your claim by contacting your agent or by logging into your account. Each claim takes a unique amount of time to settle. An Allstate representative may be able to give you a more specific timetable for your claim.
Key Takeaway for Auto Insurance
Allstate is a good company for auto insurance. It has plenty of options to protect your car, including a few most providers don’t, such as Mexican tourist coverage. There are also ways to lower your rates with discounts, especially by bundling. And its telematics program is the best in the industry. But it doesn’t offer as many discounts as other insurers. So, you may not find the ones that match your lifestyle. Claim filing is painless, and it’s large agent base will assist you in processing them.
Allstate Homeowners Insurance
Allstate provides a wide selection of homeowners insurance to its customers. These protect your home and finances from random disasters. Below is a detailed look at its homeowners coverage options:
Allstate offers all of the basic forms of home insurance you need to protect your family home. Here’s a list of the homeowners coverages available:
This covers the physical structure of your home, such as your roof, walls, and floors. Like all other types of homeowners insurance, this only protects against covered disasters, such as:
Liability insurance protects you if you or any members of your household damage someone else’s property. It’ll also cover lawsuits or claims if someone sustains an injury on your property.
Personal Property Coverage
Your Allstate home insurance policy covers your personal belongings, no matter where they are in the world. If a covered disaster or peril destroys or causes you to lose your belongings, you’ll receive help in replacing them.
Guest Medical Protection
This coverage pays for any injuries that guests on your property suffer. For example, if your kid’s friend falls down the stairs and breaks their leg, your guest medical protection will step in to pay for any hospital bills.
Allstate has several homeowners insurance discounts that lower rates. A lot of these are easy to get and can save you a ton each month. Here’s a look at the discounts available:
Allstate gives out a discount for bundling your auto and homeowners insurance policies. This discount can save you up to 25% each month. All you have to do is buy both home and auto from this insurer to qualify.
Responsible Payment Discount
This discount rewards customers who choose to pay in full or with automatic payments. It also considers people with a positive payment record i.e., paying on time. Be sure to ask your agent about how to obtain this discount.
Having a record that’s clear of homeowners claims can get you this discount. This discount can save you up to 20% each month.
Welcome and Loyalty
By switching to Allstate, you’ll save around 10% on your homeowners insurance. The welcome and homeowner discount will remain each year you stay with the carrier.
If you just bought a home, you could get a reduction on your homeowners policy. It’s also possible to get the home buyer discount if your house is a new construction.
Signing your policy at least seven days before your present one expires can get you a nice early signing discount. This is an easy way to save up to 10% on your homeowners premium.
Easy Pay Plan
By setting up automatic payments each month, you’ll score the easy pay plan discount. Keep in mind that it automatically charges you monthly for your policy. Automatic payments get rid of missed payments. Only set this up if you believe you can pay the same amount each month.
If your house has anti-theft or fire-prevention measures in place, you can get a protective device discount. Devices such as the following may make you eligible:
- Fire and smoke alarms
- Fire extinguishers
- Burglar alarms
- Security cameras
Extra Homeowners Coverage
Your standard homeowners policy includes significant protections. But there are still disasters you need extra coverage for. Luckily, Allstate offers several add-ons to fill any gaps. These are:
- Umbrella coverage. This adds extra liability protection to protect against expensive claims and lawsuits.
- Manufactured/mobile home coverage. With this policy, you can cover your mobile home from certain disasters.
- Flood insurance. Homeowners policies don’t typically include flood coverage. This will help you protect against flood and water damage.
- HostAdvantage. If you’re sharing your home, HostAdvantage insures your belongings. This kicks in if a renter steals or damages any of your items.
Homeowners Rate Factors
Allstate consider several different factors when they’re determining your homeowners premium. These factors are details about you and your home that help insurers figure out how much to charge you.
Below are some common Allstate homeowners insurance rate factors:
- Your home’s value
- Where you live
- Claim history
- How much coverage you buy
- Credit rating (only in states that allow it)
Filing a Homeowners Claim
- Allstate will assess the damages
- You’ll receive a damage estimate and info about your claim settlement
- Your home will receive the necessary repairs
- Your claim is settled
Key Takeaway for Homeowners Insurance
Allstate is an excellent choice with several types of homeowners insurance to protect your house. You also have a variety of policy add-ons to fill any coverage gaps. The insurer also has several discounts to help keep your premium affordable. Altogether, Allstate provides families everything necessary to protect their homes.
Allstate Renters Insurance
Allstate offers renters policies to help tenants protect belongings and finances. J.D. Power ranked it fifth out of all other renters insurance providers in its 2021 customer satisfaction study.
Renters policies are the same as homeowners, except they don’t cover the home’s structure. Renters policies include all of the standard coverage types, such as:
- Personal property coverage. This insures your personal belongings from any damages or theft.
- Liability protection. Pays any costs due to somebody getting injured in your rental unit. It also covers any damages you or other household members cause.
- Reimbursed living expenses. If your rental unit is unlivable, this coverage will pay for any living expenses while your place undergoes repairs.
- Guest medical coverage. Pays for any medical costs if a guest sustains injuries in your rental unit.
Renters insurance is already pretty cheap, but the provider also offers a few discounts to save you even more money. Below is a list of it’s renters policy discounts:
- Easy Pay Plan discount. Automatically paying each month will result in an easy renters discount.
- 55 and retired discount. Being 55 or over and being retired can get you a nice discount on your renters policy. This discount can save you up to 25%.
- Multi-policy discount. Bundling your renters with your auto coverage gets you a multi-policy discount. This also helps you save on auto insurance!
Extra Renters Coverage Options
Your renters insurance policy includes a lot, but you may still need more. Allstate offers several extra coverages for renters policies:
- Scheduled personal property. This raises coverage limits for valuable items, such as jewelry or art. Without it, you’d likely have to replace these items out of pocket.
- Identity theft restoration. Pays for any costs that arise from someone stealing your identity.
- Flood insurance. Renters and homeowners policies don’t normally include flood coverage. This covers any water damage that a flood causes.
- Umbrella coverage. An umbrella policy adds extra liability protection. This helps you avoid paying out of pocket for expensive lawsuits or claims.
Renters Insurance Rate Factors
Your renters insurance rates depend on several different factors. These factors are small details that tell about you as a customer. Below are common renters rate factors:
- Credit history (in states that allow it)
- Claims record
- Where you live
- How high or low your deductible is
- How much coverage you buy
Filing a Renters Claim
Filing a renters claim is a fairly straightforward process. To file, you’ll need to visit the insurer’s website or call them at (800) 255-7828. After you file a claim, the damages to your property are evaluated. It’ll then be able to settle your claim promptly. If you need to track your claim, you can do so online or by calling a representative at the phone number above.
Key Takeaway for Renters Insurance
Allstate is a good renters insurance choice because it has numerous options. You can fully protect your rental unit and belongings with its coverages. There are also a couple of ways to receive discounts and save extra money.
Allstate Company Information
Allstate had a market share percentage of 5.19% in the property and casualty insurance industry in 2021, per an NAIC report. This number made it the fourth-largest insurer in the nation.
Here are some more important facts:
- Revenue: $44.588 billion
- Number of employees: about 45,000
- Number of agents: 12,300
- CEO: Tom Wilson
- Headquarters: Northfield Township, IL
Allstate was born during a game of bridge. An insurance broker named Carl L. Odell suggested to his neighbor Robert E. Wood, who happened to be Sears’ Chairman General, that there should be a way to get auto coverage by direct mail. Wood liked the idea and took it back to his board of directors, who also approved of the model. Allstate was officially founded in April 1931 as part of Sears, Roebuck and Co. and began selling policies both by direct mail and in the Sears catalog.
Allstate adopted its famous slogan, “You’re in good hands,” in 1950. The company says that former vice president and general sales manager Davis Ellis came up with the idea after his daughter got sick. The doctor told her she was “in good hands,” giving the family a sense of relief. This stuck with Davis so much that he decided to make it the company’s slogan, showing customers that they can trust the it to take care of them after an accident.
The company went public in 1993 and has stood on its own ever since. It acquired Esurance in 2011 and National General Insurance in 2020.
Like other insurers, Allstate’s well-known for its TV commercials. It’s not uncommon to see a commercial asking, “Are you in good hands?” or showing “Mayhem” destroying people’s homes and cars.
Allstate holds positive ratings from organizations such as A.M. Best, S&P Global, J.D. Power, and more.
Here are up-to-date customer satisfaction ratings:
Each year, J.D. Power releases a study on the best auto, home, and renters insurance companies. It scores insurers on a scale of 1,000 points. J.D. Power breaks the study into four large states and seven regions. The homeowners and renters customer satisfaction study considered the nation as a whole.
Allstate consistently received top marks in J.D. Power’s 2022 study of insurers. Its average auto customer satisfaction score across each state and region was 824. It ranked tenth for homeowners with a score of 829 and fifth for renters with a score of 833.
You can file a claim online, with the mobile app, or over the phone. To file online, you’ll have to log in to your account.
When you file a claim, expect them to evaluate your damages and give you an estimate for repairs. Then, Allstate will let you know if it has accepted or denied your claim. After that, you’ll be able to get your home or car the repairs it needs. Finally, you should receive a settlement for your claim.
These are some useful links if you need to file a claim:
Claims hotline: (800) 669-2214
There could be several reasons why you may want to cancel your policy. Maybe your rates have suddenly gone up, you lost some discounts, or it’s just time for a change. Luckily, it’s pretty easy to cancel your policy. To cancel your policy, you must call your agent.
The Allstate mobile app gives you a way to access your insurance all in one place, as well as on the go. By downloading it, you can use the following core features:
- Digital ID cards
- Policy information and documents
- Billing and payment options
- On-demand roadside assistance
- QuickFoto Claim (this allows you to take pictures of damages and upload them to start the claims process)
- Access to your agent
- Digital Footprint, an identity protection tool that tells you about the info companies collect and may use about you
- Drivewise (this can get you a discount based on safe driving habits)
You can also get a link to download the mobile app by texting ALLSTATEAPP to 25788.