Is Allstate a good insurance company?

Is Allstate a good insurance company? As one of the biggest providers in the country, Allstate is a good insurance company for many reasons. A.M. Best ranks its financial stability as superior, and the Better Business Bureau gives it an A+. However, Allstate is plagued with customers who are unsatisfied with high rates and poor claims resolution.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Jan 28, 2022

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Quick Facts

  • Allstate is one of the largest insurance providers in America and has more than a dozen insurance products available
  • A.M. Best gives Allstate an A, the Better Business Bureau gives it an A+, and J.D. Power ranks it near the national average for customer satisfaction
  • Despite positive professional ratings, Allstate has many angry customers due to high rates and poor claims resolution

Allstate is one of the most famous insurance companies in the country, and millions of Americans trust them for their coverage needs.

While auto insurance is their most famous product, Allstate offers much more than that. As its name suggests, Allstate agents are located in almost every corner of the country.

As a bonus, you can get most of your insurance needs covered by Allstate. With car, home, renters, and many other types of insurance, Allstate is a one-stop shop.

Is Allstate a good insurance company? It depends on your circumstances, but it usually offers comparable prices to those of its competitors. To find out if Allstate is your most affordable option for insurance, you should compare prices with other companies. Enter your ZIP code into our free tool to discover what quotes might look like for you.

Is Allstate a good insurance company?

Founded in 1931, Allstate has become one of the largest insurance companies in America by offering a wide range of services. Auto insurance is the area in which Allstate shines. With a long list of coverage options, policy add-ons, and discounts, there’s something for almost everyone.

However, Allstate excels with other insurance products as well. With approximately 16 million customers, Allstate maintains a substantial portion of the insurance market.

However, those 16 million customers aren’t all happy with the product they purchase. With higher rates than competitors, unsatisfying customer service experiences, and a difficult claims process, Allstate doesn’t have the best reputation.

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How is Allstate insurance rated?

Professional reviewing companies tend to speak well of Allstate.

A.M. Best rates Allstate an A+, indicating that they have superior financial strength. What does that mean for customers? A superior financial rating means that you don’t need to worry about your claims being paid.

J.D. Power rates insurance companies by overall satisfaction and notes that Allstate performs slightly above the national average. Allstate ranks 10 out of 21 companies for homeowners insurance, while it consistently scores below average for car insurance satisfaction.

Finally, the Better Business Bureau gives Allstate an A+ rating, although they have numerous customer complaints on the site.

Unfortunately, Allstate has a multitude of unhappy customers. The chief complaints are that rates are much higher than competitors and that Allstate is hesitant to pay out claims.

How is Allstate’s car insurance?

You can purchase the traditional types of insurance through Allstate: liability, comprehensive, and collision. They also offer a wide range of additional coverage choices that you can add to your plan:

  • Safe driving reward – This special bonus program rewards you money back for every six months that you remain accident-free.
  • Roadside assistance – If you find yourself stranded on the side of the road, this add-on will help you get moving again. From jumpstarts to tows, roadside assistance covers it all.
  • Accident forgiveness – It’s a fact of life — accidents happen. If you’re worried about an accident in the future, you can purchase this add-on to eliminate your first accident from your insurance record.
  • New car replacement – Totaling a car is never fun, but it’s especially painful when you’ve just bought a new vehicle. However, you can purchase protection to replace your new car if you total it during the first two years of its life.
  • Deductible rewards – Allstate wants to reward you for good driving. For every year you go without driving violations, they’ll reduce your deductible by $100 without changing your rates. Your deductible can decrease by up to $500.
  • Custom equipment – If you buy aftermarket parts for your car, standard insurance won’t cover them. This add-on will replace your parts if they are damaged or stolen.

Allstate also offers rideshare insurance for drivers who work for companies like Uber. If you use your vehicle for business purposes, you usually need to obtain a commercial plan for your vehicle. However, the growing popularity of rideshare services is prompting insurance providers to create more affordable alternatives.

Ride for Hire coverage from Allstate is an excellent alternative to purchasing a complete commercial auto insurance plan. Rather than purchasing a separate policy, you can add rideshare coverage to an existing car insurance policy.

Allstate’s Ride for Hire isn’t available in every state, so check with an agent if you want to sign up.

Allstate Auto Insurance Discounts

Like most other insurance companies, Allstate offers several discounts — including the following — to help you save money:

  • Bundling
  • Anti-lock brakes
  • New car
  • Good driver
  • Good student
  • Anti-theft device
  • Early signing (at least seven days before your policy goes into effect)
  • Paid-in-full
  • Paperless bills
  • Automatic payments

Most of these discounts combine with the others, allowing you to save a lot of money. Ask an Allstate agent to check the amount of discounts for which you’re eligible.

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Is Allstate a good home insurance company?

Despite being known for car insurance, Allstate’s home insurance receives higher customer reviews.

Allstate offers all the usual standard home insurance options and a few specialized add-ons:

  • Dwelling – This part of your insurance covers the actual structure of your home, including your roof. It covers damage from weather, fire, theft, and vandalism. Protection extends to other structures on your property, like freestanding garages, pools, and fences.
  • Earthquake – Since earthquakes aren’t a high risk for every area in the country, it’s not included in the standard plan. However, if you live in an earthquake-prone area, this coverage is a good idea. Check with your Allstate agent to determine if earthquake insurance is available in your area.
  • Flood – Similar to earthquake insurance, flood coverage isn’t included in a standard plan. If your home is located in a flood zone, you can save yourself thousands of dollars in repair costs by choosing this add-on.
  • Liability – If a guest is injured on your property and the injury is deemed your fault, you can be sued. In that instance, liability protection helps compensate you for legal bills. You can select the standard amount of liability, or you might be able to purchase additional coverage.
  • Personal umbrella – If you’re concerned about the amount of liability coverage you have, umbrella coverage can help. Umbrella insurance takes over once you’ve reached the liability coverage limit.
  • Guest medical – While liability covers your legal fees, guest medical insurance will help pay for the injured person’s medical expenses. From dental work to emergency room visits, Allstate will cover it all.
  • Personal property – This coverage protects the things you own, like electronics, appliances, furniture, and clothing. If your home contains valuable possessions, such as antiques, jewelry, or musical instruments, you should consider buying more coverage.
  • Scheduled personal property – If you have items in your home that are worth a considerable amount of money, you can purchase additional coverage for them after they’ve been appraised.
  • Sports equipment and musical instruments – As high-priced items, you can purchase coverage for equipment that you or your family uses for sports or music.

Allstate also offers coverage for business items, like landscaping, green improvements, and identity theft. It’s also the first major insurance provider to offer insurance if you share your home.

HostAdvantage is an add-on for people who rent their home through sites like Airbnb. This coverage takes effect whenever a temporary renter is in your home and protects you against theft and damage.

Allstate Home Insurance Discounts

Allstate has a stellar list of insurance options for home coverage, and they match it with numerous discounts like these:

  • Protective devices
  • Automatic payments
  • Claim-free
  • Bundling policies
  • Early signing
  • New home and recent home buyer
  • Good payment history
  • Welcome/loyalty

An insurance agent will determine what discounts you’re eligible for to ensure that you save as much money as possible.

What other insurance can you buy from Allstate?

Home and auto insurance are Allstate’s most popular products, but it has a lot more than that available. As an Allstate customer, you can also purchase the following types of coverage:

  • Renters
  • Condo
  • Motorcycle
  • Business
  • Life (term and permanent)
  • Identity
  • Boat
  • Motorhome
  • Phone
  • Pet
  • Event
  • Landlord
  • ATV
  • Snowmobile

As you can see, Allstate can provide you with almost any type of insurance you need. Don’t forget — if you purchase more than one policy, you’ll qualify for Allstate’s bundling discount.

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Find the Best Allstate Quotes Today

Although Allstate offers a wide variety of insurance products, the company has a lot of unhappy customers. A frustrating claims process mixed with higher-than-average prices have left many customers looking elsewhere.

However, there are a numerous benefits to this company. The best way to answer the question, “Is Allstate a good insurance company?,” is to compare quotes with other providers. Enter your ZIP code into our free tool to determine what rates might look like for you.

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