Allstate auto insurance review for 2026

Allstate auto insurance: Overall verdict

Allstate ratings at a glance:

• Customer satisfaction: 83% satisfaction
• Claims handling: 78% satisfaction
• Recommended to others: 90%
• Trustworthiness: 90%
• Average monthly full coverage rate: $267

Allstate is a good choice if you’re looking for a company with a strong track record for customer service and claims satisfaction. Among the top insurers in our Best Car Insurance Companies of 2026 list, Allstate was the most expensive, bringing down its overall score.

Allstate customers said they trust the company and rated it highly for ease of service. It was the highest-rated national carrierAn insurance carrier is the company that provides your car insurance policy and pays claims. for auto and home bundling. It’s available in all states and has a solid financial foundation.

Allstate availability and average premiums by state

Available in all states.

What auto insurance coverages does Allstate offer?

Allstate offers a full range of car insurance policies to meet most drivers' needs. This includes everything from full coverage car insurance to rideshare endorsements and coverage for your classic car.

All primary car insurance coverage options are available:

• Liability
• Collision
• Comprehensive
• Personal injury protection (PIP) and medical payments (MedPay)
• Uninsured and underinsured motorist coverage

Additional coverage offerings:

• Roadside assistance
• Rental reimbursement
• Classic car insurance
• Car insurance for travel to Mexico
• Rideshare coverage

How does Allstate insurance rank?

Compared to its largest competitors, Allstate is in the lower half of the top carriers. Its good track record for customer satisfaction with claims handling was offset by its high premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. rates, which were the second highest among its peers. Overall, it ranked 7th in our survey.

Here's a look at how it compared to other carriers.

*USAA is only available to military members, veterans and their families, and as a result is not ranked.

**The lower a company’s score, the fewer the number of complaints filed with the NAIC. A score higher than 1.0 means it had a higher-than-average number of complaints.

How much is Allstate auto insurance?

The average full coverage rates for a 40-year-old driver with Allstate are $3,205 per year, while State Farm offers the same policy at $2,874 and GEICO is even cheaper at $2,148.

Here is a comparison of Allstate's rates with several of its biggest competitors that also offer policies nationally. Premiums are based on full coverage insurance at 100/300/100, with a $500 collision/comprehensive deductible for a 40-year-old driver with a good driving record.

Allstate car insurance rates by state

Drivers in Delaware and Louisiana pay the highest rates for Allstate auto insurance, while those in Vermont and New Hampshire get some of the best deals.

How much you pay for insurance varies based on factors such as your age, gender, credit rating and the type of car you drive. One of the biggest factors, however, is where you live. 

Some states have considerably higher insurance rates due to such factors as frequent hail events, flooding and higher litigation costs.

Here’s a look at annual average rates by state for a 40-year-old driver.

Allstate insurance rates for teens

The average cost of a teen car insurance policy at Allstate is $9,895 per year. Teenagers pay the highest rates for car insurance because risk data show they are prone to more accidents, especially serious accidents. 

Here’s a comparison of what teen driver car insurance costs annually with Allstate compared to drivers of other ages and other companies.

Allstate insurance rates for adults

Allstate rates average $3,669 a year for a male and $3,577 a year for a female at age 25. At age 40, those rates go down to $3,200 a year for a male and $3,210 a year for a female.

Insurance premiums will steadily decline as you age. Only the oldest drivers will see that trend begin to reverse. While it can vary slightly by insurance company, adults will pay some of their cheapest rates at around the age of 60. 

Here’s what adults can expect to pay for full coverage car insurance with Allstate at various ages. 

Allstate insurance rates for seniors

A 65-year-old male driver will pay an average of $3,020 a year for car insurance. After 65, car insurance rates tend to increase. At Allstate, increases start closer to age 75, when the average cost is $3,387 a year.

For that reason, expect to see your rates begin to increase as you reach 65, but it will not be nearly as steep as the rates you saw in your teens and Allstate tends to increase car insurance rates for seniors less than some competitors.

Here’s what a senior can expect to pay with Allstate at various ages:

Allstate insurance rates for drivers with tickets, accidents and poor credit

At Allstate, car insurance rates for drivers with an at-fault accident and a poor credit rating increase by about 40% compared to those with a clean driving record. 

Insurance companies invest a lot of resources into analyzing data and have extensive risk profiles of drivers at every age, stage of life and gender. Your driving record is another good indicator of your risk profile, and they also consider some factors you may not have considered, such as your credit rating.

Here’s a look at what drivers with common negative marks on their profiles can expect to pay for full coverage insurance with Allstate compared to rates for drivers with clean records. Poor credit will have the biggest impact on rates, but an at-fault accident is not far behind.

Allstate insurance discounts and ways to save

Allstate policies are on the pricier side, so it can really pay to look into what auto insurance discounts might be available.

Carriers offer discounts for a wide range of items such as bundling insurance policies with the same carrier, installing safety devices in your vehicle, using driver monitoring (or telematics) programs and belonging to various professional, trade or alumni associations.

The discounts can be as much as 30% or more and sometimes you can qualify for multiple discounts.

Allstate offers a full array of discounts to clients including those bundling auto with its other offerings like homeowners and life insurance. Here are some of the discounts Allstate offers:

• Passive restraint discount
• Anti-lock brakes 
• Anti-theft device device 
• New-car discount
• Farm vehicle discount
• EZ pay plan sign-up
• ePolicy 
• FullPay 
• Multiple policy bundling
• Good payer
• 55 and retired
• Resident student discount
• Good student

Sources & Methodology

Methodology

We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles. 

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:

• Bodily injury liability of $100,000 per person and $300,000 per incident
• Property damage liability of $100,000 per incident
• Comprehensive and collision deductibles of $500
• 40-year-old driver
• Honda Accord LX
• Good credit
• A clean driving record
• 12-mile commute, 10,000 annual mileage

Additional rate data is drawn based on:

• Ages ranging from 16 to 75
• Excellent, fair and poor credit
• All available traffic violations
• One or more at-fault accidents

Survey data from our annual customer survey and third-party ratings were used to create each company's overall score. 

Learn more about our data and methodology.

Source

Allstate. “Car insurance discounts.” Accessed January 2026.

Helpful auto insurance tools and calculators

• Car insurance rates by vehicle
• Compare car insurance companies
• Auto insurance coverage calculator
• Speeding ticket calculator
• Traffic ticket calculator
• Used car insurance calculator
• Rideshare earning calculator
• Pay per mile calculator