Allstate Insurance Review 2019

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About Allstate

Allstate is the fourth-largest auto insurance company in the nation, after State Farm, Geico and Progressive. Most of its business is auto insurance (about 70%), according to S&P Global Market Intelligence. It also sells home and renters insurance, business insurance and other types.

The company is based in Northbrook, Illinois. It sells insurance primarily through Allstate agents.

Allstate also owns the insurance brands Encompass and Esurance.

In this review:

Auto insurance satisfaction ratings
Price comparison
Auto insurance policy features
Website & app ratings
Auto insurance complaints
Car insurance discounts
Home insurance satisfaction ratings
Company subsidiaries
Contact information

Allstate Insurance customer satisfaction ratings for auto insurance

We asked current customers of Allstate to rate the company on several measures. Here are their scores.

Overall satisfaction: 4 stars

4 stars

Price satisfaction: 4 stars

4 stars

Customer service satisfaction: 4 stars

4 stars

Would you choose Allstate again?

As another measure of satisfaction, we asked current auto insurance customers if they would choose Allstate again.

In our survey, the highest percentage of people who would choose the same company again are customers of USAA, Mercury Insurance and Amica.

Would you choose the company again for auto insurance?

Allstate car insurance price comparison

We analyzed premiums reported by EverQuote users with good driving records to see how prices compare between Allstate and other insurers. Here's how it compares with the four cheapest insurers in our analysis.

Insurance company Average annual premium
Shelter Insurance Co. $1,453
Erie Insurance $1,488
The Hartford $1,549
American Family $1,551
Allstate $1,784

Does Allstate have what you want?

Do you want special features in a car insurance policy? Here's a look at what Allstate offers as add-ons or as separate policies:

Websites & apps

We asked Allstate's customers if they had used the company's website or app and, if they had, asked if they were satisfied with the experience.

Website and app satisfaction

Complaints against Allstate Insurance

Complaints against Allstate about auto insurance are lower than the industry median.

Each state's insurance department handles complaints against insurers that operate in the state. The National Association of Insurance Commissioners collects complaint data and produces a complaint ratio. The number is meant to show the number of complaints relative to a company's size of business.

Allstate complaints

Allstate satisfaction ratings for homeowners insurance

We asked current home insurance customers of Allstate to rate the company on several measures. Here's how they scored the company.

Overall satisfaction: 4 stars

4 stars

Price satisfaction: 4 stars

4 stars

Customer service satisfaction: 4 stars

4 stars

Would you choose Allstate homeowners insurance again?

We asked current Allstate home insurance customers if they would choose the company again. More than half said yes.

In our survey, the highest percent of people who would choose the same company again are customers of Chubb (87%).

Would you choose the company again for home insurance?

Allstate car insurance discounts

Here are some of the auto insurance discounts offered by Allstate, based on our review of state insurance filings. Discounts might not be available in all states or from each Allstate subsidiary. Also, discount names may vary by state.

  • Homeowner.
  • Responsible payer (for customers who did not receive a cancellation notice for non-payment).
  • Young driver education.
  • Smart student or good student.
  • Resident student (for students without a car living at least 100 miles from home).
  • Defensive driving (for drivers age 55 and over who have completed an accident-prevention course).
  • 55 and retired.
  • Farm.

  • Electronic stability control.
  • New car.
  • Passive restraint.
  • Anti-lock brake.
  • Economy car (such as a Honda Civic or Toyota Tercel).
  • Utility (such as certain vehicles for farm use).


  • Multiple policy (typically for buying auto insurance plus home, renters, condo, mobile home or manufactured home insurance).
  • The Good Hands People discount (only available to certain groups such as firefighters, police officers and Allstate employees).
  • Allstate Auto/Life discount (for people who also buy an individual life insurance or mortgage term life insurance policy from Allstate).
  • Full pay.
  • Allstate Easy Pay Plan.
  • Early signing.
  • Preferred package (for drivers who insure more than one car and receive their bills electronically).
  • DriveWise.
  • Allstate eSmart.

Biggest discounts on Allstate auto insurance

We reviewed state rate filings made by Allstate to see which discounts were the biggest. While discounts can vary by state and subsidiary, we found the larger percentage price breaks for:

  • Resident students (who are away at school without a car).
  • Buying auto insurance plus homeowners and personal umbrella insurance.
  • Paying in full.
  • Being a homeowner.
  • Buying auto insurance plus a personal umbrella policy and a condo, mobile home or manufactured home policy.

Companies within Allstate

Many insurance companies have several subsidiaries. These subsidiaries may not operate in all states and could focus on different types of customers or business. Allstate's subsidiaries include:

  • Allstate Insurance Co.
  • Allstate New Jersey Insurance Co.
  • Allstate F&C Insurance Co.
  • Castle Key Insurance Co.
  • Allstate P&C Insurance Co.
  • Esurance Insurance Co.
  • First Colonial Insurance Co.
  • Allstate Indemnity Co.
  • Allstate Northbrook Indemnity Co.
  • Allstate Vehicle & Property Insurance Co.
  • North Light Specialty Insurance Co.
  • Esurance P&C Insurance Co.
  • Encompass Indemnity Co.
  • Encompass Insurance Co. of NJ
  • Encompass Insurance Co. of America
  • Encompass Home & Auto Insurance Co.
  • Allstate Texas Lloyd's
  • Allstate County Mutual Insurance Co.
  • Esurance Insurance Co. of NJ
  • Encompass P&C Insurance Co. of NJ
  • Allstate North American Insurance Co
  • Castle Key Indemnity Co.
  • Encompass P&C Co.
  • Encompass Insurance Co.
  • Encompass Independent Ins Co.
  • Encompass Insurance Co. of MA
  • Encompass Floridian Insurance Co.
  • Encompass Floridian Indemnity Co.

Source: S&P Global Market Intelligence

Allstate contact information

Headquarters:
2775 Sanders Road, Suite F8
Northbrook, IL 60062
website

Customer service: (877) 810-2920
Claims: 1-800-ALLSTATE (1-800-255-7828)

Methodology

For star ratings and whether customers would choose the company again, EverQuote commissioned a survey of 150 current customers of Allstate in January 2019. The survey was not open to the public on EverQuote.com. 

For premium comparisons, we analyzed premiums reported by EverQuote users from Jan. 1, 2017, to Dec. 31, 2018. Users had liability limits of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist limits of 100/300 ($100,000 per person, $300,000 per accident). Rates are for a single driver with one vehicle and no accidents or violations. Your own rates will be different.

Updated March 15, 2019

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