Is Allstate Or Progressive Cheaper For Your Age And Driving History
While location is a significant factor in determining car insurance rates, your age, driving record and credit score also greatly influence auto insurance costs. Drivers who are young, have tickets and or a DUI, have been in at-fault accidents, or have poor credit may find their car insurance rates are higher than drivers with less risky profiles.
In all of the above scenarios, Allstate is cheaper except for drivers with a DUI.
- Allstate is cheaper for a driver with a ticket.
- Allstate is cheaper for a driver with an at-fault accident on their record.
- Progressive is cheaper for a driver with a DUI charge.
- Allstate is cheaper for a driver with poor credit.
Average Car Insurance Rates by Driver Profile
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A Wide Selection Of Insurance Products
Allstate offers a huge selection of insurance types including auto, home, renters, motorcycle, off-road, term life, and many more. And while other large insurance companies can compete on selection, Allstate offers some industry-leading bundle discounts.
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Allstate Car Insurance Reputation
Is Allstate car insurance good?
Allstate car insurance ranks generally well for claims and customer satisfaction, financial strength, and affordability. The average monthly cost for a policy with Allstate is $62.
Allstate offers numerous insurance policies for motorists, including the standard coverage offerings for liability, collision, and comprehensive insurance. Other coverage add-ons include underinsured and uninsured protection, loss of use, personal injury protection, rental car reimbursement, towing, new car replacements, medical payments, and rideshare insurance.
In addition to its car insurance policy offerings, Allstate offers coverage for other vehicles, including motorcycles, RVs, boats, and classic cars. The insurance company also provides customers with options for business, homeowners, renters, and life insurance coverage. Another insurance product available is pet insurance to help with any expensive medical bills.
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How Much Does An Allstate Epolicy For Car Insurance Cost
The rates for Allstate are determined by many different factors. These include age, driving history, and credit rating just to name a few.
The type of coverage you choose will also affect your auto insurance rates. Higher coverage equals higher rates but less money out of pocket later.
This table will give you an idea of the average annual cost of Allstate compared to other top companies.
Average Annual Car Insurance Rates by Coverage Level
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If you have any of these, you can qualify for a multi-policy discount as well to help lower your rates.
Allstate Company Insurance Reviews
Better Business Bureau rating: A+AM Best financial strength rating: A+
Allstate was founded in 1931 as a part of Sears, and it began by selling car insurance through the Sears catalog. Since its founding, Allstate has grown to become one of the largest car insurance companies in the country. According to the National Association of Insurance Commissioners, Allstate was the fourth-largest car insurance provider in 2021 and wrote over $27.2 billion in premiums that year.
Allstate car insurance is available nationwide, but discounts and extras can vary by state.
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Allstate Car Insurance Coverage
Allstate auto insurance offers several products in all 50 states and some parts of Canada. The insurance provider offers the standard types of car insurance, including the following:
- Property damage and bodily injury liability auto insurance: Covers other people’s vehicles and medical bills when you cause an accident
- Comprehensive insurance: Covers damage from the environment, theft, and vandalism
- Collision coverage: Covers your car when you cause an accident
- Uninsured motorist coverage: Covers your car and medical bills if the at-fault driver doesn’t have enough or any insurance
- Personal injury protection: Covers medical bills, funeral costs, and lost wages
- Medical payments: Covers medical bills
In addition to the basic types of coverage mentioned above, Allstate policyholders can get:
- Rideshare insurance for those who drive for ride-for-hire services such as Uber or Lyft
- Classic car insurance for those with antique vehicles, custom builds, and hot rods
- Mexican travel insurance for policyholders who drive their cars into Mexico
- Custom parts coverage for those who have installed aftermarket parts or sound equipment
- Car rental reimbursement for when your vehicle is in the shop after an accident
Texas Car Insurance State Minimums
| Coverage type | |
|---|---|
|
Helps cover expenses related to the injury or death of another driver or a pedestrian when an accident is your fault. |
$30,000 limit per person/$60,000 limit per accident |
|
Helps cover expenses related to the damage of another person’s property like vehicles, homes, buildings and other structures when an accident is your fault. |
$25,000 limit |
|
Helps cover your medical expenses if you’re in an accident, the other driver is at fault and doesn’t have any insurance. |
Not required |
|
Helps cover your medical expenses if you’re in an accident, the other driver is at fault and doesn’t have enough liability insurance. |
Not required |
|
If you and/or your passengers are hurt in an accident, this helps cover medical or funeral expenses. |
Not required |
|
Helps cover expenses to repair or replace your vehicle that’s been damaged in an accident. |
Not required¹ |
|
Helps cover expenses to repair or replace your vehicle that’s been stolen or damaged by things like storms or vandalism. |
Not required¹ |
All coverages are subject to the coverage limits stated in your policy.
¹Although Texas law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.
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Is Allstate Good At Paying Claims
According to theJ.D. Power 2021 U.S. Auto Claims Satisfaction StudySM, Allstate ranked slightly below average for its claims experience, with a score of 870 out of a possible 1,000 points. However, its Superior financial strength rating from AM Best highlights the companys ability to pay out claims. Plus, under its Claim Satisfaction Guarantee, Allstate will credit a portion to your account if you are unsatisfied with a claim the company paid.
What Discounts Does Allstate Car Insurance Offer
What Allstate discounts on auto insurance are offered to drivers? If you want to buy Allstate auto insurance, discounts can really lower your rates.
As mentioned above, Allstate car insurance lists 11 possible discounts on its website.
Most of the discounts available can be found with most insurance companies. However, there are a few that are unusual and that could save you a lot of money.
Take a look at our Allstate insurance discounts list to see if there are any that youve missed.
Here are a few of the car insurance discounts that you might find from nearly any auto insurance company:
- Allstate safe driver discount up to 45 percent discount
- Allstate good student discount up to 20 percent discount
- Allstate multiple policy discounts up to 10 percent discount
Car safety features will also get you some big discounts. Here are a few Allstate auto insurance discounts that you find at many but not all auto insurance companies:
- Passive restraint discount up to 30 percent discount
- Anti-lock brake discount up to 10 percent discount
- Anti-theft device discount up to 10 percent discount
- Allstate new car discount up to 30 percent discount
Here are a few discounts that you dont see very often:
Allstate Car Insurance Discounts
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How Does Allstate Insurance Stack Up
Allstate has a long history of offering insurance to fit many needs. In addition to auto insurance, drivers can add coverage for their home, life, and recreational vehicles like boats, RVs, and snowmobiles.
You can also get many hard-to-find insurance options, such as rideshare and custom parts coverage.
Allstate makes it easy for its policyholders to access services and their policies. For example, you can complete your Allstate bill pay online or by phone.
However, Allstate customer service and claims satisfaction ratings leave much to be desired. According to J.D. Power, Allstate ranks below average, but the company ranks well in other areas.
For example, A.M. Best which ranks companies based on financial stability gave Allstate an A+ rating. It also received an A+ from the Better Business Bureau.
Some pros of Allstate coverage include multiple coverage options, various discounts, and additional savings programs. On the other hand, cons include average customer service ratings and high rates.
Auto Discounts Tailored To You
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Insurance, coverage, features and discounts subject to terms, conditions and availability which varies by state. Discount and saving amounts vary. Speak to an Allstate agent for further details regarding eligibility or availability in your state.
Many factors go into the cost of your auto insurance policy, including how you purchase the policy: online, through a call center, or with an agent.
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Allstate Auto Insurance Review For 2021
Fact-checked with HomeInsurance.com
Allstate is the largest provider of private line insurance policies, and is one of the most popular car insurance providers across the country, with just about 9.3% of the total market share. For nearly 90 years, millions of Americans have trusted Allstate for their auto insurance needs. Allstate is the best choice for safe drivers who can take advantage of Allstates safe driver discounts, resulting in a lower rate.
Allstate Car Insurance Customer Reviews
Allstate has average customer reviews from consumer studies and customers. Positive Allstate Insurance reviews mention helpful customer service agents, while negative reviews discuss issues with the claims process and canceling a policy.
Our team reached out to Allstate for a comment on its reviews but did not receive a response.
Allstate Insurance Customer Satisfaction
Our August 2022 nationwide car insurance satisfaction survey polled 6,923 people. Of those who participated, nearly 9% reported that they had an Allstate car insurance policy.
Heres how Allstate customer satisfaction compares with the overall average from our survey:
| Allstate Average | |
|---|---|
| Selection of Coverage and Add-Ons | 3.9 |
| 3.9 |
Allstate Customer Service Claims
In our survey, we found that 39% of Allstate policyholders have filed a claim, while 60% have not. Our survey also discovered that survey participants who filed a claim were happy with Allstates customer service, rating it 4.1 stars out of 5.0. Respondents also rated the company 4.1 stars for satisfaction with the claim or outcome.
Allstate Insurance Reviews: J.D. Power
Allstate insurance reviews collected in the J.D. Power 2022 U.S. Insurance Shopping Study rank the company slightly below average for its shopping experience compared to other large companies. The insurer scored 854 out of 1,000 points, which means most Allstate customers are satisfied with their experiences.
Allstate Insurance Reviews: BBB
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Its All About You We Want To Help You Make The Right Coverage Choices
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Our partnerships dont influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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- Allstate offers discounts such as safe driver, new car, and resident student discounts
- Discount packages such as deductible rewards and accident forgiveness are also available
- Allstate policies are a bit more expensive than other companies that offer minimum coverage
Allstate car insurance discounts are varied, and there seems to be something for everyone. So what discounts does Allstate offer? Keep reading to find out.
Allstate is a well-known insurance company in the United States. The company was founded in 1931 through Sears, Roebuck & Co.
When Sears began to have financial difficulties in the 1990s, it began to sell off or eliminate parts of the company. Allstate, rather than disappearing, became an independent entity.
Getting discounts is an excellent way to find cheap car insurance. The question is: Are the discounts offered by Allstate enough for you to consider a change? Is affordable Allstate car insurance right for you?
Geico Car Insurance: Best Discount Availability
Geico claims that 15 minutes could save you 15 percent or more on car insurance, and our research determined that this is true for some drivers. The provider has high customer satisfaction ratings with an A+ rating with the BBB and an A++ financial strength rating from AM Best. J.D. Power ranked Geico highly in most regions, too.
Unlike Allstate auto insurance, Geico car insurance provides 24/7 customer service through its smartphone app and website. Additionally, Geico has great discounts for federal employees, active-duty military members, and safe drivers.
Allstate auto insurance offers several coverage options that Geico doesnt, including new car replacement coverage. However, if youre looking for cheap car insurance or a car insurance policy that’s easy to navigate without involving a local agent, Geico may be the best pick for you.
Learn more about coverage in our full Geico auto insurance review.
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What Other Allstate Programs Help Save Money On Car Insurance Over Time
Lately, more insurance companies have been offering programs that save you money over time, and Allstate is one of those companies.
The company offers several programs that are automatically included in your auto insurance policy and a few that you can add to your policy. These programs can lower your Allstate car insurance rates significantly.
Included in every policy are:
- Allstate Safe Driving Bonus Every six months you will receive an Allstate bonus for driving safe. How much is the Allstate bonus check? You can receive a check for up to five percent of your total rates if you dont have an accident during that time.
- Allstate Disappearing Deductible You will receive an initial $100 off of your deductible when you sign up for a new policy. Each year you dont have an accident another $100 is deducted until $500 has been reached.
You can add the following services as a rider to your policy:
- Accident Forgiveness Keeps your rates from increasing if you have an accident. One accident is allowed every three years.
- New Car Replacement Any driver that has a car that is three years old or younger will receive enough money to replace that car with another new carnot a used car, and not the depreciated value of the car.
The Allstate discounts list is extensive and can help lower those high car insurance rates.
The Allstate car insurance low mileage discount may also be available through the companys Milewise program.
Average Allstate Rates By Make And Model
Insuring a new car might lead to higher rates. The reasons are straightforward.
- A newer car is worth more, which means that a claim being filed would cost the insurance company more money
- A newer car might have fancy technological features which would cost more to repair
While this isnt an exact science as some new cars might get discounts for safety features, this holds true for many companies. This is whether the vehicle is a car, mid-sized SUV, or a truck.
| Make/Model |
|---|
Allstates rates are $100 higher for someone with a 25-mile commute or 12,000 annual mileage versus someone with a 10-mile commute or 6,000 annual mileage.
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Other Allstate Discounts List
In addition to the more common discounts, Allstate has even more ways to save.
A few of the other Allstate insurance discounts are:
- 55 and retired save up to 10 percent if youre at least 55 years old and retired.
- Deductible rewards get $100 off your auto deductible the day you sign up, and $100 off each year you go accident-free .
- EZ pay plan discount save up to five percent for setting up auto payments.
- Economy car discount get a discount for driving an economy car.
- eSmart® discount to get the Allstate eSmart discount, you must sign up for an ePolicy , and you can save up to 10 percent.
- Good payer discount save up to five percent for paying on time when you renew.
- Preferred package discount get a discount if you insure more than one vehicle, own a home, and pay electronically.
- Resident student discount
- teenSMART discount if youre between 16 and 21, and successfully complete the teenSMART program, youre eligible for a discount.
Be sure to contact your insurance agent or Allstate directly to ensure these discounts apply in your unique situation and/or in your state.
You can also ask them about other discounts not mentioned here, such as the Allstate professional discount, Allstate responsible payer discount, Allstate first responder discount, and Allstate distinguished driver.
Not every discount is available in each state and individual discount percentages may vary by the state in which you reside.
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Does Allstate Offer New Car Replacement
Yes, Allstate offers new car replacement coverage as an add-on. If you just bought a new car, you might want to consider new car replacement insurance. If your car is two model years old or less, this coverage replaces your car with a new car of the same make and model if it was totaled in an accident covered by your policy.
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Allstate’s Claims Satisfaction Guarantee
Allstate offers a claims satisfaction guarantee, giving a straightforward path for recourse if policyholders are unsatisfied with their claims service. If for any reason policyholders are unhappy with their claims payout or experience, Allstate aims to make good on their guarantee and grant a six-month credit towards your bill. There is some fine print that dictates when you can qualify:
- The auto insurance policy and the claims satisfaction guarantee were active on the day of the covered loss.
- Allstate has made a payout for the claim.
- The policyholder has mailed a letter explaining the problem within 180 days of the accident.
- Limit one credit per claim and per vehicle.
- May not be available in all states.
It is rare to not obtain a payout within the first six months. But even if, for example, the insured vehicle is parked at an auto repair shop waiting for extra parts past the six-month period, customers can still submit letters. Allstate agents say that the guarantee is on the more flexible side when there is sound cause for dissatisfaction.
