Allstate Auto Insurance Review

FinancialAdviser.com Rating: 2 / 5 (Terrible)

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Provides average customer satisfaction levels; free quote process is longer than average; expensive in comparison to other option

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Allstate Insurance Company is a Fortune 100 company, and is one of the nation’s largest car insurance providers. Founded in 1931, Allstate was born during the Great Depression and remained a private company until 1993, when it went public. Allstate trades under the ticker symbol: ALL. Known for it’s popularized slogan “You’re In Good Hands” slogan, the company currently has a market cap of $24 billion. Allstate has been given an “excellent” rating by several independent agencies when it comes to financial stability.

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Pricing

To help determine how Allstate pricing ranked against other auto insurance companies, we created three different driver profiles. We then acquired quotes in two different cities: San Francisco, CA and Springfield, IL. The driver profiles were for a single male, ages 29, 37 and 65. All the profiles were for a client with a clean driving record who drove a 2005 Audi Quattro. Allstate’s quotes were fairly comparable to the other companies we reviewed for an urban area (San Francisco), but much more expensive for a more residential area (Springfield). We found this difference to be rather puzzling, but as insurance quotes have more mystery behind them than a Houdini trick, we weren’t able to deduce the reason.

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Shopping Experience

Allstate’s website is very customer friendly and gives you several choices to obtain a quote: online, via the phone or from a local Allstate agent. We elected to use their online quote system for convenience sake, although Allstate says that a local or phone agent will provide the same pricing. The entire online quote and shopping experience is also available in Spanish for native speakers.

Their quote form gathered all the standard information: driver statistics, vehicle information, driving history and address. However, their vehicle questions were a bit more specific than other providers, asking things like the date you purchased your car (if you own) and the odometer mileage. In fact, the sheer number of questions combined with an awkwardly formatted quote process meant that Allstate was the most time consuming quote to complete.

Similar to other insurance quote sites, Allstate asks questions during the quote process that may make you eligible for a further discount on your insurance. We highly recommend answering these questions as they could save you a considerable amount on your insurance premium.

If you have questions, additional information is easily obtained. The right-hand side of the quote form provides detailed material about each field you need to fill out, clearly explaining the reasons Allstate needs each piece of data and what it is for. It also features 3 different ways to get real-time answers to your questions: an option for them to call you, a phone number for you to call, and an agent locator if you’d prefer to sign up through an agent. Finally, there is a pop-up that displays if there is a lag between keyboard clicks asking if you’d like more help.

At the end of the process your final quote is displayed. You are given a variety of options, which enable you to adjust the quote for more or less coverage, set your payment options and edit your insurance start date. It also clearly displays the discounts you qualified for and indicates the total savings you received. There are even alternate quotes presented, showing you the range of prices Allstate offers given different coverage options.

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Bottom Line

Allstate customers stated they had “average” satisfaction with the manner their claims were handled, per a JD Power 2009 Claims Satisfaction Survey. They also expressed “average” satisfaction with their overall auto insurance policies. Price-wise, Allstate was oddly more expensive for a residential-oriented city than other companies. Among the companies we reviewed, their quoting process was one of the more detail oriented and prolonged. Given all this, Allstate seems to be an “average” choice, but price-sensitive customers may want to shop around to see if they can get a better deal.

Allstate offers auto insurance coverage in all 50 states.

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elow we cover some of the commonly used auto insurance terms. Terms and coverage offerings can vary by provider. For more specific answers or definitions that aren’t covered here, please talk to the auto insurer directly.

Bodily Injury Liability: If the insured person is found legally liable for an accident, Bodily Injury Liability (BIL) pays for costs related to other people’s bodily injuries or death. It also provides for legal defense costs if you are sued. BIL covers injury to other people, not to yourself and not to your car. This coverage is mandatory in most states. Coverage is limited to the terms and conditions contained in the policy.

Property Damage Liability: If the insured person is found legally liable for an accident, Property Damage Liability (PDL) pays for damage to others’ property resulting from the accident. Usually this property is their car, but it could be a house or other property damaged in the accident. PDL also pays for legal defense costs if you are sued. Coverage is limited to the terms and conditions contained in the policy.

Uninsured / Underinsured Motorist Coverage: If the insured person or their passenger(s) is injured in an accident caused by a driver with no auto insurance coverage or insufficient auto insurance coverage, Uninsured/Underinsured Motorist Coverage (UUMC) will pay for medical expenses and other general damages. UUMC may also pay for injuries that occur in a hit-and-run accident. Coverage is limited to the terms and conditions contained in the policy.

Uninsured / Underinsured Motorist Property Damage Coverage: If the driver or owner of a vehicle is legally liable for an accident but does not have insurance or does not have enough insurance, UUMP will pay for damage to your insured vehicle. Coverage is limited to the terms and conditions contained in the policy.

Comprehensive Coverage: If the insured vehicle is damaged due to an event other than a collision, Comprehensive Coverage (CC) will pay for the damage. For example, CC covers damage to your car if it’s damaged by flood, fire, etc. If your vehicle is stolen, CC usually pays for transportation and loss-of-use expenses. CC pays to fix your car less the deductible you select. Coverage is limited to the terms and conditions contained in the policy.

Collision Coverage: If the insured vehicle hits or is hit by another vehicle or object, Collision Coverage pays for the damage to your vehicle. This coverage may also extend to a rented or non-owned vehicle that the insured is using. Collision Coverage pays to fix your car less the deductible you select. Coverage is limited to the terms and conditions contained in the policy.


Yes, you do. Auto insurance, or proof of financial responsibility, is required in all 50 states. Each state has specific limits on how much insurance you need to have. Check with your state department of insurance to determine what those limits are.


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