Allstate car insurance review

4.0 / 5 editorial rating

By the Five Star Insurance Reviews editorial team · Updated October 13, 2026

Quick take

Best for: Discount hunters who also want an agent
Stands out: Discounts for safe driving, low mileage and bundling
Keep in mind: Pricing varies widely by driver profile

General overview based on published features. Coverage, discounts and availability vary by state; confirm details with Allstate. How we rate

At a glance

Sold through	Local Allstate agents, plus online and phone
Where available	All 50 states and DC
AM Best rating	A+
Usage-based program	Drivewise (many states) and Milewise pay-per-mile (limited states)

Details verified October 2026 from carrier websites, AM Best and published reviews. AM Best ratings and state availability can change, so confirm with the carrier and at ambest.com.

What it does well

Discounts for safe driving, low mileage and bundling
Agents plus online options

Watch out for

Pricing varies widely by driver profile

Who it may suit

Allstate tends to suit discount hunters who also want an agent.
Look at other carriers too if this worries you: pricing varies widely by driver profile.

Before you buy: check these

Financial strength: Look up the insurer’s financial strength rating from agencies such as AM Best. It shows how likely the company is to pay claims.
Complaint history: Search your state department of insurance and the NAIC consumer insurance search for complaints about the company.
Claims and service: Read recent customer surveys, such as J.D. Power studies, and independent reviews, and ask people who have filed claims.
Coverage details: Compare the same limits and deductibles on every quote, and ask which discounts are applied.

Questions to ask before you buy

Which coverages and limits are included, and which are optional add-ons?
What deductible applies to collision and comprehensive?
Which discounts am I getting, and which could I still qualify for?
How does the price change at renewal, and what could raise it?
How do I file and track a claim?

Compare Allstate and other quotes

Keep comparing

FAQs

Is Allstate a good fit for me?

Allstate tends to suit discount hunters who also want an agent. Your quote depends on your own profile, so compare at least three carriers before you decide.

Does Allstate have the cheapest rates?

No carrier is cheapest for everyone. Rates vary by driver, vehicle and location, so the only way to know is to compare quotes.

How do I get a Allstate quote?

You can request quotes from several carriers at once through our partner, or visit Allstate’s own website.

Where is Allstate available?

All 50 states and DC. Availability can change, so confirm with the carrier.

How can I check Allstate’s financial strength and complaints?

Look up financial strength ratings from agencies such as AM Best, and search complaint history through your state department of insurance and the NAIC consumer insurance search. Do this before you buy.