Allstate Insurance

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Looking for information about Allstate Insurance? We’ve got you covered. Keep reading our Allstate review to learn more about one of America’s top insurance providers. You’ll learn which states the company serves and where the company fits in terms of financial strength. We also provide sources that show how consumers view their experience with the company, as well as information on the many discounts it offers. Finally, we’ll walk you through how Allstate handles its claims process. From there, you’ll have all the tools you need to decide whether Allstate is the right insurance provider for you.

Best If

  • You want easy, online tools to access your account

Worst If

  • You're looking for reasonably priced premiums

By The Numbers

  • Allstate has about 11,900 exclusive agents nationwide

Consumer Reviews

  • TopTenReviews.com
    • Rated Allstate as the 7th top auto insurance carrier
    • Ranked 7.63 out of 10
    • Review says that although the company’s premiums are a bit higher before discount rates, it’s still worth considering because of its claim satisfaction guarantee
  • Reviews.com
    • Gave Allstate a rating of 4 out of 5 stars
    • Cited Allstate’s great online tools and helpful resources, but low number of discounts and coverage options
    • Suggested that Allstate add a live chat feature to its website to enhance the customer service experience
  • Better Business Bureau
    • Gave Allstate an A-, though it is not BBB accredited
    • Allstate’s low complaint volume and ability to respond well to complaints contributed to its score

Consumer Satisfaction and Financial Strength Ratings

Consumer Complaint Data

Year
Total Complaints
Percent Change
2016
322
-30%
2015
460
2014
569
+6%
2013
530
-30%
Source: National Association of Insurance Commissioners

J.D. Power ratings by region (out of 1000)

  • California: 796 — slightly below average
  • Central: 819 — above average
  • Florida: 832 — slightly above average
  • Mid-Atlantic: 819 — slightly below average
  • New England: 808 — above average
  • New York: 805 — slightly below average
  • North Central: 806 — slightly below average
  • Northwest: 798 — below average
  • Southeast: 830 — above average
  • Southwest: 803 — slightly below average
  • Texas: 705 — below average

U.S. Auto Insurance Shopping Study (2016)

Overall Purchase Experience
Below average
Policy Offerings
Average
Pricing
Below average
Local Agent
Average
Call Center Representativ
Below average
Insurer Website
Average

U.S. Auto Insurance Claims Satisfaction Study (2015)

Overall Satisfaction
Average
First Notice of Loss
Average
Service Interaction
Average
Appraisal
Above average
Repair Process
Below average
Rental Car Experience
Above average
Settlement
Average
Source: J.D. Power

Financial Ratings

A+
A.M. Best
Superior rating; second- highest possible
Aa3
Moody's
Very high quality; low credit risk; fourth-highest of 22 levels
AA-
S&P's
Very strong credit; fourth-highest of 21 levels

Market Share

According to the NAIC (National Association of Insurance Commissioners), Allstate’s market share is 5.13 percent as of 2015. Prior to that, it was 5.08 percent, making it the third-largest auto insurer in the US. Now, it’s the second-largest, with State Farm being the first at 10.09 percent.  The company also wrote $30.18 billion in Property and Casualty premiums.

Roadside Assistance

Allstate offers three services that can help give you a hand when you run into trouble on the road. You can access help from your phone using GPS tracking and then follow the assistance on the map as it comes your way.

Allstate has 3 service options for drivers to choose from that offer different levels of service.

Allstate Motor Club - Platinum Elite Member $99/year

  • 24-Hour emergency service covered up to $250 per occurrence
    • Towing
    • Tire change
    • Gas delivery
    • Lockouts
  • Motorcycle & RV Coverage
  • $10,000 Theft/Hit and Run Protection
    • Will pay up to $10,000 to witnesses that provide information leading to the arrest of the thief or assailant
  • $2,000 Arrest Bond Certificate
    • If you’re detained by authorities for a moving violation, Allstate will post $2,000 bail to get you out of jail. Limitations on bail amount in certain states
  • $1,500 Trip Interruption Benefit
    • If your car breaks down away from home Allstate will cover lodging, meals and transportation
  • Free CARFAX Vehicle History Report ( typically cost $40)
  • Travel Savings & Discounts
    • Hotel
    • Car rental
    • Airline
    • Access Savings Mobile app. Lets you search for discounts near you

Good Hands Rescue

Open to everyone to use no policy or membership requirements. Use the app to select and locate service from a network of nationwide providers.

Good Hands Rescue app gives you:

  • GPS location to get service to you quicker
  • Real-time updates to give you an ETA of service arrival
  • Locate the nearest repair center

Roadside Services Included

    Towing
  • Gas delivery
  • Jump-starts
  • Lockouts
  • Tire changes

Towing & Labor Coverage

Can be purchased as additional coverage on your Allstate insurance policy.

Basic services include

  • Towing
  • Lockouts
  • Fuel Delivery
  • Tire Changes
  • Jump-starts

Mobile Apps

Allstate Mobile has all the information you need on policies and claims. You can download the app here, or text ALLSTATEAPP to 25788.

Drivewise Mobile makes the Allstate Drivewise discount even easier. The app collects information about your good driving habits and then rewards you for practicing safe driving. All you have to do is download the app, login, and start driving. Download the app here.

Digital Locker is another Allstate app that lets you create an inventory of all the items in your home. It then stores the information securely in the cloud. This app lets you keep a visual log of all your valuable items. Digital Locker makes managing personal items and property easy and quick. Download the app here.

GoodRide is a great app from Allstate for motorbike owners. It lets you input details about your bike as well as information about your route, time, and mileage each time you go out for a ride. GoodRide also keeps track of all your repairs and miles. Download GoodRide from Allstate here.

Allstate Motor Club offers 24/7 roadside assistance to its members. They can access any emergency service from their smartphones with just one touch. You have to first join Allstate Motor Club separately, but downloading the app is 100% free! Download the app here.

History

Allstate has an unexpectedly interesting history. Founded in 1931, it was originally part of Sears, Roebuck, and Co--known today as Sears. Legend has it that in 1930, during a game of bridge, the idea for selling auto insurance through direct mail was born. Allstate’s slogan, “You’re in good hands,” was created in the 1950s. Allegedly, a sales executive came up with it, based on something he used to say to comfort his pregnant wife. In 1967, the company moved its headquarters to Northbrook, Illinois, which remains its home today.

In more recent years, Allstate has donated millions of dollars to the scholarship funds of around 70 colleges. It’s also made a name for itself by focusing on sustainability, which makes it unique in this space. However, there have been complaints about the company underpaying claims. Since 2011, Allstate has been the parent company of Esurance.

Claims Process

To file a claim with Allstate, click here.

There are multiple ways you can go about filing a claim with Allstate. You can:

  • Call 1-800-ALLSTATE (1-800-255-7828)
  • Use the Allstate Mobile App to file and track your claim
  • Create and log in to your account
  • Locate your agent’s office for assistance

After filing your claim, a professional will examine the damages and details to give an assessment on what needs to be repaired or replaced. You’ll then receive an estimate and discuss your settlement based on the extent of coverage you have. Once you have the estimate, you can start the process of repairing your car. Finally, you can settle your claim. Allstate will either pay the auto shop directly or send you a check to deal with on your own terms.

Contact Information

Claims Site
Customer Service Site

Mailing Address:
Allstate Insurance Co.
PO Box 660636
Dallas, TX 75266

Customer Service Phone Number: 1 (800) ALLSTATE (255 - 7828)