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Allstate auto insurance review and ratings 2025

Allstate is No. 8 among national carriers in Insure.com's Best Car Insurance Companies of 2025, with 3.75 stars out of 5. Allstate was ranked No. 1 for ease of accessing policy documents and services.
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Our take

Allstate is No. 8 among national carriers in our Best Car Insurance Companies of 2025, with a score of 3.75 stars out of 5. 

Customers report high satisfaction with Allstate’s ease of use, customer service and policy offerings. However, Allstate has the most expensive average premiums among carriers we analyzed, which can decrease a company’s star ranking. 

Allstate received an A+ (Superior) rating for financial stability from AM Best. 

Below is Insure.com’s review of the company. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here.

Allstate
Allstate Ratings
Overall Rating: 3.75
Average Premium: 1.00
NAIC: 1.10
Customer Satisfaction: 4.32
AM Best Rating: A+
Effective date:

Pros and Cons

Pros:
  • Policy offerings stand out for customers
  • Trustworthiness ranks high
  • Top-ranked insurer for ease of accessing policy documents and services
Cons:
  • Didn’t rank as highly as some companies for claims handling
  • Higher premiums compared to other insurers we ranked

How much Allstate costs

Allstate was the most expensive auto insurer in our 2025 Insure.com ranking, with an average monthly premium of $209. The table below shows how the cost of auto insurance from Allstate compares with the monthly rates from some of its competitors. 

Company Monthly premium
Allstate$209
American Family$142
Amica$185
Auto-Owners$129
Erie$123
Farmers$199
Geico$147
Nationwide$129
Progressive$166
State Farm$165
Travelers$134
USAA*$115

*USAA is only available to military community members and their families.

How Allstate scores on customer satisfaction

Eighty-five percent of Allstate customers reported satisfaction with the company’s customer service, which is about average for insurers in our survey. Amica (97%) was the top company in this category, while Farmers (88%) and Progressive (87%) ranked slightly higher than Allstate. 

CompanyPercent of customers who are satisfied
Allstate85%
State Farm92%
Travelers78%

How Allstate scores on ease of service

Of those surveyed, 91% reported a positive experience accessing policy documents and services. This is slightly higher than the average rank (90%) and better than Farmers and Travelers (88% each) and Nationwide (86%). Amica ranked the highest among companies in this category, with 97% of its customers giving it high marks.

CompanyPercent of customers satisfied with the company’s ease of service
Allstate91%
State Farm93%
Progressive91%

How Allstate scores on policy offerings

Eighty-four percent of respondents in our survey said they were satisfied with Allstate’s policy offerings, which includes coverage for classic cars and rideshares and standard auto insurance.

CompanyPercent of customers satisfied with the company’s policy offerings
Allstate84%
Nationwide89%
Farmers84%

Would current customers recommend Allstate to others?

In our survey, 88% of Allstate customers said they’d recommend the company to others. Some competitors had higher scores, including Amica (93%) and State Farm (91%). Nationwide was the leader in this category, with 96% of its customers saying they’d recommend it to others.

CompanyPercent of customers who would recommend the company to others
Allstate88%
Progressive89%
Travelers85%

How trustworthy is Allstate?

Ninety-one percent of Allstate’s customers gave it high marks for trustworthiness. The average score for trustworthiness was 89%, two percentage points lower than Allstate.

CompanyPercent of customers who say they trust the company
Allstate91%
State Farm93%
Nationwide89%

Do Allstate customers plan to renew?

Ninety-three percent of Allstate customers said they’ll renew their policies, which was just a smidge above the average of 92% across the board.

CompanyPercent of customers who plan to renew with the company
Allstate93%
Amica97%
Farmers88%

How Allstate scores on claims handling

More than 80% of Allstate’s customers rated it highly for claims handling.

Company Percent of customers who are satisfied with the company’s claims handling
Allstate 77%
State Farm 88%
Travelers 78%

How Allstate scores on digital experience

Allstate’s digital web and app experience score increased 26% from last year to a satisfaction rate of 83%. In our survey, Allstate (83%) was slightly behind Amica (86%) but higher than Travelers (79%).

Company Percent of customers satisfied with the company’s digital experience
Allstate 83%
Nationwide 96%
Travelers 79%

How Allstate scores for discounts

Sixty-seven percent of Allstate customers gave it high grades for discounts, but most insurers scored in the 60th percentile. The average was 67%, the same as Allstate’s score in this category.

Company Percent of customers satisfied with the company’s discounts
Allstate 67%
Nationwide 86%
Farmers 56%

How Allstate scores for bundling home and auto policies

Allstate scored in the upper half among its competitors for bundling home and auto policies, a category topped by Nationwide (92%), Erie (90%), Amica (89%) and Progressive (88%).

Company Percent of customers satisfied with the company’s home and auto bundling
Allstate 79%
Amica 89%
Farmers 77%

Allstate car insurance coverages

  • Auto 
  • Motorcycle
  • ATV/ off-road
  • Roadside
  • Snowmobile
  • Boat 
  • RV
  • Vehicle protection

Allstate additional policies

  • Homeowners
  • Renters
  • Condo
  • Landlord
  • Mobile home
  • Life
  • Business
  • Identify protection
  • Phone protection
  • Personal umbrella insurance
  • Retirement
  • Allstate health solutions
  • Voluntary employee benefits
  • Group health insurance

Allstate car insurance coverage options

  • Comprehensive
  • Liability 
  • Personal injury protection
  • Rental reimbursement 
  • Collison
  • Uninsured and underinsured motorist
  • Roadside coverage

Allstate car insurance discounts

  • Multiple policy discount
  • New car discount
  • Smart student discount
  • Anti-lock brakes
  • Anti-theft device
  • EZ pay plan discount
  • Allstate Esmart discount
  • Early signing discount
  • Full pay discount
  • Responsible payer
  • Safe driving club

States where Allstate offers coverage

Graph
Table
States where Allstate offers coverage
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
Washington D.C.
West Virginia
Wisconsin
Wyoming
AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY
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Company background

Allstate

Allstate protects about 16 million households with insurance products, including auto, life, renters, condo, and property insurance. It has more than 12,000 exclusive agencies and financial representatives across the U.S. and Canada, making it highly accessible for anyone who prefers to deal with an agent in person.

Resources & Methodology

Methodology

In the fall of 2024, Insure.com surveyed more than 1,750 insurance consumers (1,199 people with auto insurance). Online market research company Slice MR conducted the survey. Respondents were asked to name their auto insurer and then grade it in the following categories:

  • Customer satisfaction
  • Ease of service
  • Policy offerings
  • Claims satisfaction
  • Digital experience (website/app)
  • Discounts offered
  • Fair rate increases over time
  • Insurance for young drivers/teenagers
  • Insurance for college students
  • Insurance for senior drivers
  • Insurance for drivers with tickets or accidents
  • Auto and home bundling

The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.

We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:

  • I plan to renew with my current auto insurance company
  • I would recommend my auto insurance company to others
  • I trust my auto insurance company

The percentage of respondents who said yes is presented in the results.The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.

They then collected AM Best data, which measure financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations.

They also collected insurance rate data from Quadrant Information Services. With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For auto insurers, we took the following and gave each a weight.

  • Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
  • AM Best: 25% of total score
  • Annual premium: 20% of total score
  • NAIC: 15% of total score

Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.

author image
Katrina Raenell
Contributing Researcher

 
  

Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.

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