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Allstate Auto Insurance Review

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The pros explained

Auto Insurance for Unique Needs: In addition to standard auto insurance, Allstate also offers classic auto insurance and auto insurance in Mexico.

Generous Rebate Program: There are more than 10 different rebates to help lower your car insurance costs.

More roadside assistance options: Skip Allstate with 24/7 support when you sign up for one of its roadside assistance plans.

Cons explained

Poor customer satisfaction: Allstate rates consistently below average for customer satisfaction in both the JD Power and NAIC ratings.

Roadside Assistance Additional Charges: Customers must subscribe to an additional Roadside Assistance package to benefit from this service.

Six-month insurance policies sold: Allstate only sells auto insurance policies for six months instead of one year.


Allstate Insurance Company is a national leader in providing many types of insurance, including auto, home, life, motorcycle, renters and off-highway insurance. It is particularly well known in the auto insurance industry for its long history and full range of insurance products.

However, depending on your needs, Allstate may not be the best choice, so you'll need to weigh the pros and cons to find the best car insurance company for you.

Company profile

Founded in 1931 by General Robert E. Wood, president of Sears, Roebuck & Company, Allstate applied the same insurance model to its stores, starting an insurance company that sold insurance through the mail. He applied the same insurance model as he did with his stores, starting an insurance company that would sell insurance by mail.

Today, Allstate has the distinction of being the largest public personal insurance company in the United States with more than 113 million owner policies. Headquartered in Northbrook, Illinois, serving all 50 states. It also works with several companies to underwrite its policies, including Allstate New Jersey Property and Casualty Insurance and Castle Key Insurance Company of Florida.

Allstate says it supports its customers, but the company is currently involved in a consumer class action lawsuit in Florida over unsolicited text messages using personal numbers allegedly purchased from data aggregators.

 She also settled a local national class action representing policyholders in 38 different states.

 These insureds had underpaid property damage claims, although these cases mostly handled Allstate home insurance claims.

Types of coverage

Allstate offers several standard and optional auto insurance plans.

Standard car insurance

Allstate offers many of the traditional types of insurance coverage that most drivers need to protect themselves and others while driving.

collision coverage

If you are involved in a car accident, your collision coverage deals with the cost of any damage to your vehicle.

Comprehensive coverage

Comprehensive coverage that deals with damage related to natural occurrences such as hail, fallen trees, theft and vandalism.

liability coverage

If you are at fault in an accident, liability protection can cover property damage, injury or even death to another party.

Coverage of medical payments

Medical payments coverage includes protection against any injuries that affect you and your passengers who are injured during an accident.

Uninsured and underinsured motorist coverage

If you've been involved in an accident with an uninsured, at-fault, uninsured or underinsured driver, driver's coverage can help cover any damages you incur.

Personal injury protection

Personal Injury Protection, or PIP, protects if you suffer injuries during an accident that is covered by your insurance policy.

Optional coverage

Personal Umbrella Policy

If you need additional protection, an umbrella policy offers extended coverage beyond the limits of your standard policy.

rent reimbursement coverage

If your vehicle is damaged by a covered loss, such as a collision, you can purchase additional rental reimbursement coverage to cover a rental vehicle or other qualified means of transportation while your vehicle is being repaired.

Classic car insurance

If you drive an old or classic car, regular car insurance may not be enough to cover all the damage you do. Alte