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30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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Auto insurance review

Allstate Auto Insurance Review (2026)

Allstate earned 4.3 / 5 in our 2026 review. Best for: safe drivers, bundling discounts. Here is the full breakdown.

By the Fintiex Insurance Desk · Updated 2026-05-02
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Key stats
Annual premium
$1,800 to $2,500
AM Best
A+
JD Power
849 / 1000
Bundling discount
Up to 25%
States available
All 50 states
Good driver discount
Up to 45%
Digital experience
Good
Fintiex rating
4.3 / 5
Pros
  • +Drivewise telematics program: safe drivers can earn up to 40% back
  • +Accident forgiveness available
  • +New car replacement coverage option
  • +Extensive local agent network
  • +Strong bundling discounts with home insurance
  • +Milewise pay-per-mile option for low-mileage drivers
Cons
  • -Premiums tend to run higher than GEICO and Progressive
  • -Drivewise may raise rates for risky driving behavior
  • -Customer service scores mixed versus top competitors

Coverage available

Liability onlyFull coverageMinimum stateHigh-value vehicles

Allstate writes the standard mix of auto policies. Most drivers will want full coverage (liability plus collision and comprehensive). Drivers with older paid-off cars may consider liability-only to save money, but only if you can afford to replace the vehicle out of pocket.

Best for

Allstate is the right pick if you prioritize safe drivers, bundling discounts. The carrier scores especially well on claims service. If you do not match this profile, compare against the other top picks on our auto insurance hub.

Overview

Allstate is one of the well-known auto insurance carriers in the United States, with an AM Best financial strength rating of A+. The carrier is best known for safe drivers, bundling discounts, with average annual premiums in the $1,800 to $2,500 range for full coverage on a typical 35-year-old driver with a clean record.

On the customer-experience side, Allstate scored 849 on the latest JD Power US Auto Insurance Study (1,000-point scale). That puts it right around the industry average. The digital experience is rated good, with a functional app and online portal for policy management, claims, and ID cards.

Bundling is a major lever: combining your auto policy with home or renters insurance can save about 25 percent on both policies. Allstate also offers a good driver discount of up to 45 percent for accident-free histories. Add in paperless billing, multi-vehicle, and safety feature discounts and the all-in savings can reach 30 to 40 percent off rack rate.

How to get a Allstate quote

Getting a quote from Allstate takes about 10 minutes online. You will need your driver license number, vehicle VIN, current insurance declarations page (if any), and an idea of the coverage limits you want. The carrier may also run a soft credit check in states where credit-based insurance scoring is allowed.

  • Visit the Allstate quote page and start the auto application
  • Enter ZIP code, driver and vehicle info, and prior insurance details
  • Select your coverage limits (we recommend at least 100/300/100 liability)
  • Review the quote, apply any discounts (good driver, bundling, paperless)
  • Bind the policy online or call to finalize with an agent
Start a Allstate quote

Frequently asked questions

Is Allstate a good auto insurance company?
Allstate earned 4.3 out of 5 in our 2026 review. It carries an AM Best rating of A+ and a JD Power satisfaction score of 849 out of 1,000. Best for: safe drivers, bundling discounts.
How much does Allstate auto insurance cost?
Average premiums range from $1,800 to $2,500 per year for full coverage. Your actual rate depends on driving record, vehicle, location, credit score, and coverage limits. Get a quote at Allstate to see your exact rate.
What discounts does Allstate offer?
Allstate offers a bundling discount of about 25 percent for combining auto with home or renters insurance, plus up to 45 percent off for clean driving records. Additional discounts may apply for paperless billing, multi-vehicle, and safety features.
Is Allstate available in my state?
Allstate writes auto policies in all 50 states.
How fast is the Allstate claims process?
Allstate accepts claims via app, phone, online, and agent. Most simple claims are settled within 7 to 14 days. Complex claims (totaled vehicles, injuries) can take 30 to 60 days.
Should I bundle Allstate auto with home insurance?
Bundling can save you about 25 percent on both policies with Allstate. Always run the numbers against two standalone quotes to make sure bundling beats buying separately.

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