On this page13 sections
Allstate fits drivers and homeowners who want an agent and like to bundle. It is a legitimate, financially strong insurer (AM Best A+, affirmed September 2026) that sells car, home, renters and other policies in all 50 states through local agents, online and by phone. The tradeoff is price and service: NerdWallet's October 2026 averages put Allstate full coverage auto at $3,210 a year versus a $2,361 national average, J.D. Power placed it 15th of 20 for auto claims in 2025, and its Trustpilot score is 1.3 out of 5. Get at least two other quotes, and ask an agent which discounts and add-ons apply in your state.
- Company
- The Allstate Corporation (NYSE: ALL), Northbrook, Illinois; $67.69 billion in 2025 revenue1
- Size
- 25.5 million auto and 7.7 million homeowners policies in force at December 31, 20251
- Financial strength
- AM Best A+ (Superior) for Allstate's core insurers, affirmed September 2, 2026, stable outlook2
- Auto price (NerdWallet)
- $3,210 a year full coverage and $804 minimum coverage, versus $2,361 and $648 national averages (October 2026)3
- How you buy
- Exclusive agents, independent agents, contact centers and online; price can differ by how you buy1
- Driving programs
- Drivewise app (rate can rise for risky driving except in New York) and Milewise pay-per-mile5
- Accident Forgiveness
- Optional paid add-on; your rate won't go up after an accident, even an at-fault one6
- Recent changes
- Sold employer voluntary benefits (April 1, 2025) and group health (July 1, 2025); no new home policies in California since 2022 or Florida since 20231
Pros
- A+ (Superior) financial strength from AM Best
- Buy through a local agent, by phone or online in all 50 states
- Wide product range to bundle: auto, home, renters, condo, motorcycle, life and more
- Drivewise and Milewise for safe or low-mileage drivers
- Highly rated mobile app for ID cards, payments and claims
Cons
- Auto rates well above the national average in NerdWallet's 2026 data
- Below average J.D. Power claims ranking (15th of 20 in 2025)
- 1.3 out of 5 on Trustpilot and 3,894 BBB complaints in three years
- Accident Forgiveness costs extra rather than being earned free
- No new homeowners policies in California or Florida
Best for: Drivers and homeowners who want a local agent, plan to bundle several policies and are willing to pay more for that service.
Skip it if: Price is your main concern, since GEICO, Progressive and State Farm averaged hundreds to over a thousand dollars a year less for full coverage in NerdWallet's data.
Allstate vs. competitors
| Company | Full coverage auto average (NerdWallet) | AM Best | J.D. Power 2025 auto claims | BBB | Next step |
|---|---|---|---|---|---|
| Allstate | $3,210 a year | A+ | 15th of 20 | A-, not accredited | |
| GEICO | $2,020 a year | A++ | 14th of 20 | A+, not accredited | Read review |
| Progressive | $2,277 a year | A+ | 18th of 20 | B-, not accredited | Read review |
| Farmers | $4,042 a year | A | 17th of 20 | A-, not accredited | Visit site |
Allstate pricing at a glance
Average annual car insurance rates, NerdWallet October 2026 analysis3
| Driver profile | Allstate | GEICO | Progressive |
|---|---|---|---|
| Good driver, full coverage | $3,210 | $2,020 | $2,277 |
| Good driver, minimum coverage | $804 | $492 | $645 |
| After an at-fault accident | $5,018 | $3,510 | $3,416 |
| After a DUI | $4,631 | $4,760 | $3,122 |
| Poor credit, full coverage | $4,824 | $2,910 | $3,822 |
NerdWallet averages for a 35-year-old driver with a 2023 Toyota Camry, 100/300/50 liability limits and $1,000 deductibles. The national average is $2,361 for full coverage and $648 for minimum coverage. Your quote will differ.
Allstate, step by step
Get a quote
Quote online, call, or visit a local agent. Ask whether the price changes depending on how you buy.
Choose coverage
Set liability limits and deductibles, then decide on add-ons such as Accident Forgiveness or rental reimbursement.
Add discounts
Bundle policies, enroll in Drivewise or Milewise if they fit, and ask your agent to check every discount.
Manage and claim
Use the Allstate app or My Account for ID cards, payments and claims.
Shop at renewal
Compare your renewal price with other insurers each year, since Allstate's rates vary widely.
Is Allstate a legit insurance company?
Yes. The Allstate Corporation is a publicly traded insurer based in Northbrook, Illinois, with $67.69 billion in 2025 revenue and about 25.5 million auto and 7.7 million homeowners policies in force at the end of 2025. AM Best affirmed an A+ (Superior) financial strength rating with a stable outlook for its core insurance companies on September 2, 2026.
Customer reviews are much weaker than the financial ratings. The BBB rates Allstate A- (not accredited) with 3,894 complaints in three years, Trustpilot shows 1.3 out of 5 from 1,113 reviews, and NerdWallet’s reading of NAIC data puts Allstate’s auto complaints close to the expected level for its size. Large insurers draw many complaints simply because they have so many customers, so the NAIC ratio is the fairer comparison.
Allstate cost
Allstate does not publish rates, and it says your price can depend on whether you buy online, through a call center or with an agent. In NerdWallet’s October 2026 analysis, Allstate averaged $3,210 a year for full coverage and $804 for minimum coverage, compared with national averages of $2,361 and $648. Allstate was cheaper than GEICO after a DUI in that data but more expensive in the other profiles shown above.
For home insurance, NerdWallet’s sample average is $2,715 a year for $400,000 of dwelling coverage. Renters policies start at $5 a month, according to Allstate. See our Allstate home insurance review and Allstate renters insurance review for details.
Allstate discounts and programs
Allstate lists these car insurance discounts: multi-policy bundling, anti-lock brakes, anti-theft devices, responsible payer and good student (a B- average or better for high school students). Its accident forgiveness page also mentions a discount for students away at college. Discount amounts are not published and vary by state.
- Drivewise: free and optional, using the Allstate app. You get a discount for enrolling and staying active, and your renewal price reflects your driving. Speeding, hard braking, phone use and late-night driving can raise your rate, except in New York.
- Milewise: pay-per-mile insurance with a daily rate plus a per-mile rate, using a plug-in device.
- Accident Forgiveness: an optional add-on that keeps your rate from rising after an accident, even one that was your fault.
What customers say about Allstate
Recurring themes across the review sites and complaint records listed above, not individual quotes.
Common praise
- Helpful, local agents
- Well rated mobile app
- Easy to bundle many policies
Common complaints
- Slow claims and low total loss offers
- Premium increases at renewal
- Billing errors and unexpected charges
- Long waits and automated phone systems
Allstate claims and complaints
You can file a claim online, in the Allstate app or by phone, and track it in My Account. J.D. Power’s 2025 U.S. Auto Claims Satisfaction Study placed Allstate 15th of 20, below GEICO (14th) and above Progressive (18th).
Recurring complaint themes on Trustpilot and the BBB are slow claims and low total loss offers, premium increases at renewal, billing errors and long phone waits. Positive reviews mention helpful local agents and the mobile app. If a claim stalls, ask your agent to escalate it, keep everything in writing, and contact your state insurance department if it is not resolved.
What has changed at Allstate
Allstate has narrowed its business. It sold its employer voluntary benefits business on April 1, 2025 and its group health business on July 1, 2025, keeping individual health products. In property insurance, it stopped writing new homeowners and condo policies in California in 2022, stopped new condo policies in Florida in 2022 and new homeowners policies there in 2023. Florida customers may be insured by Castle Key, which AM Best rated B in August 2025, well below the A+ of Allstate’s core insurers.
Esurance, an Allstate company, stopped selling new policies in December 2022 and was folded into the Allstate brand.
Who should skip Allstate
If you mainly want the lowest price and are comfortable buying online, GEICO and Progressive were cheaper in most NerdWallet profiles. If you are eligible for USAA, quote it. If claims service matters most, compare J.D. Power’s claims rankings before you choose. Allstate makes the most sense when your agent can bundle several policies and your quote comes in close to the others.
Alternatives to Allstate
-
GEICOAbout $1,190 a year cheaper for full coverage in NerdWallet's data, with fewer complaints than expected.
-
ProgressiveCheaper in every driver profile NerdWallet priced and works well for drivers with an accident or DUI.
-
State FarmAnother agent-based insurer, often cheaper than Allstate for drivers with clean records.
-
An independent agent
Can quote several insurers at once, which is the fastest way to see if Allstate is competitive for you.
Allstate reviews
Written by readers, read by our moderators, never edited by the company.
No reader reviews yet. If you have used Allstate, yours will be the first.
Write a reviewHow do I know I can trust these reviews about Allstate?
- Every reviewer confirms an email address before a review can publish.
- Our moderators read every review before it publishes.
- Companies can respond publicly but can never edit, hide or remove a review.
- Paying BestGuide never changes the reader rating or which reviews publish.
Frequently asked questions
Is Allstate a good insurance company?
Allstate is financially strong, with an A+ (Superior) AM Best rating, and offers a wide range of policies and local agents. It is more expensive than many rivals and ranks below average for auto claims satisfaction, so compare quotes.
Is Allstate expensive?
Usually, yes. NerdWallet's October 2026 average for Allstate full coverage is $3,210 a year, compared with a $2,361 national average, $2,020 at GEICO and $2,277 at Progressive.
Does Allstate raise rates after a claim?
It can. Accident Forgiveness, an optional paid add-on, keeps your auto rate from rising after an accident. On home policies, the optional Claim RateGuard feature keeps your premium from rising just because you file a claim.
Can Drivewise raise my rate?
Yes, except in New York. Allstate says most drivers save, but risky habits such as speeding, hard braking, phone use and late-night driving can raise your premium at renewal.
What does Allstate's BBB rating mean?
The BBB rates Allstate A- and lists 3,894 complaints in three years. BBB counts grow with company size, so NAIC complaint ratios, which NerdWallet puts close to expected for Allstate auto, are a fairer comparison.
Does Allstate sell home insurance in California or Florida?
Allstate stopped writing new homeowners and condo policies in California in 2022 and new homeowners policies in Florida in 2023, according to its 2025 annual report. Existing policies may continue.
Who owns Esurance?
Allstate. Esurance stopped selling new policies in December 2022, and its customers have been moved to Allstate or affiliated companies.
How do I file an Allstate claim?
File online in My Account, in the Allstate app or by phone, and track the status online. Keep photos, receipts and any police report.
Does Allstate have good customer service?
Reviews are mixed. Agents and the app get praise, but Trustpilot shows 1.3 out of 5, with slow claims, price increases and billing problems the most common complaints.
What discounts does Allstate offer?
Allstate lists bundling, anti-lock brakes, anti-theft devices, responsible payer and good student discounts for auto, plus Drivewise. Amounts vary by state and are not published.
Sources (14)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- SEC EDGAR: The Allstate Corporation 2025 Form 10-K (accessed October 12, 2026)
- Business Wire via Chronicle Journal: AM Best affirms credit ratings of The Allstate Corporation (September 2, 2026) (accessed October 12, 2026)
- NerdWallet: Allstate vs. GEICO vs. Progressive vs. State Farm (rates updated October 2026) (accessed October 12, 2026)
- Allstate: Car insurance discounts (accessed October 12, 2026)
- Allstate: Drivewise (accessed October 12, 2026)
- Allstate: Accident Forgiveness (accessed October 12, 2026)
- Allstate: Milewise (accessed October 12, 2026)
- NerdWallet: Allstate auto insurance review (updated September 30, 2026) (accessed October 12, 2026)
- NerdWallet: Average car insurance cost, October 2026 analysis (accessed October 12, 2026)
- BBB: Allstate Insurance profile (accessed October 12, 2026)
- Trustpilot: Allstate reviews (accessed October 12, 2026)
- Apple App Store: Allstate Mobile (accessed October 12, 2026)
- Allstate: Homeowners extras (Claim RateGuard) (accessed October 12, 2026)
- Business Wire: J.D. Power 2025 U.S. Auto Claims Satisfaction Study (Oct 28, 2025) (accessed October 13, 2026)
BestGuide is free to use. Some companies we review pay us when you visit their site or contact them through us. Compensation may influence which companies we feature and their order. It doesn't change what our reviews say. Advertising disclosure