---
title: "Allstate Insurance Review [Updated 2026]"
description: "Allstate Insurance offers auto, home, condo, renters, and motorcycle insurance across all 50 states through exclusive agents and independent channels. Founded in 1931, Allstate holds an AM Best A+ rating and serves millions of policyholders nationwide."
canonical: "https://www.coveragecat.com/reviews/allstate"
last-updated: "2026-08-13"
---

# Allstate Insurance Review [Updated 2026]

1. [Introduction to Allstate Insurance](#introduction)
2. [What Kinds of Insurance Does Allstate Offer?](#insurance-types)
3. [How Does Allstate Insurance Work?](#how-it-works)
4. [Allstate Insurance Pricing](#pricing)
5. [Pros and Cons of Allstate Insurance](#pros-cons)
6. [Ratings and Customer Feedback](#ratings)
7. [Customer Service and Claims Process](#customer-service)
8. [Frequently Asked Questions](#faq)

## <a id="introduction"></a>Introduction to Allstate Insurance

Allstate Insurance stands as one of America's most recognized insurance providers. [(Wikipedia, "Allstate", 2026)](https://en.wikipedia.org/wiki/Allstate) notes the company was founded in 1931 as part of Sears, Roebuck and Co., spun off in 1993, and became fully independent in 1995. The company's iconic "You're in Good Hands" slogan was created in 1950 and has become one of the most recognizable taglines in American advertising.

Today, Allstate operates from its headquarters in Northbrook, Illinois. [(Allstate Corporation, "Our History", 2026)](https://www.allstatecorporation.com/) states that the company's network of agents provides localized expertise and has helped solidify Allstate as a top insurer for millions of Americans. [(Wikipedia, "Allstate", 2026)](https://en.wikipedia.org/wiki/Allstate) reports the company serves over 16 million customers with approximately 211 million policies in force as of late 2025.

[(AM Best, "AM Best Affirms Credit Ratings", 2025)](https://news.ambest.com/presscontent.aspx?refnum=36405&altsrc=2) confirms that AM Best affirmed the financial strength rating of A+ (Superior) and Long-Term Issuer Credit Rating of 'aa-' (Superior) for Allstate Insurance Group in August 2025. According to [(NAIC, "2024 Market Share Reports", 2025)](https://content.naic.org/sites/default/files/publication-msr-pb-property-casualty.pdf), Allstate Insurance Group ranks as the fourth-largest property and casualty insurance group in the United States.

Allstate operates through multiple subsidiaries and brands. The company [(Insurance Journal, "Allstate Closes Acquisition", 2011)](https://www.insurancejournal.com/news/national/2011/10/07/219153.htm) acquired Esurance and Answer Financial from White Mountains Insurance Group for approximately $1 billion in 2011. [(Wikipedia, "Allstate", 2026)](https://en.wikipedia.org/wiki/Allstate) notes Allstate also acquired SquareTrade in 2017 for $1.4 billion and National General in 2020 for $4 billion.

## <a id="insurance-types"></a>What Kinds of Insurance Does Allstate Offer?

Allstate provides a wide range of personal lines insurance products. [(Allstate Corporation, "Products, services and subsidiaries", 2026)](https://www.allstatecorporation.com/) confirms that Allstate offers auto, homeowners, renters, condo, motorcycle, business, and life insurance. The company focuses on personal insurance rather than commercial coverage and maintains availability in all 50 states plus Washington D.C.

### Does Allstate Sell Auto Insurance?

Yes, Allstate offers comprehensive [auto insurance](https://www.coveragecat.com/insurance-types/car-insurance) products with extensive customization options. Coverage options include:

- Liability coverage (bodily injury and property damage)
- [Collision coverage](https://www.coveragecat.com/insurance-types/collision-coverage)
- [Comprehensive coverage](https://www.coveragecat.com/insurance-types/comprehensive-coverage)
- [Uninsured/underinsured motorist coverage](https://www.coveragecat.com/insurance-types/uninsured-underinsured-motorist-uiuim)
- Medical payments coverage
- Roadside assistance
- Rental reimbursement
- New car replacement coverage
- Deductible rewards (reduces your deductible for accident-free years)

Allstate auto insurance also includes the Drivewise telematics program, which tracks driving behavior and can provide discounts up to 15% for safe driving habits.

### Does Allstate Sell Homeowners Insurance?

Yes, Allstate provides [homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance) policies. [(U.S. News, "Allstate Homeowners Insurance Review for 2026", 2026)](https://www.usnews.com/insurance/homeowners-insurance/allstate) ranked Allstate No. 4 in best homeowners insurance companies with an average premium of $163 per month ($1,958 per year) for $300,000 dwelling coverage, placing it No. 3 among the cheapest providers in their analysis. Coverage includes:

- Dwelling coverage
- Other structures coverage
- Personal property protection
- Personal liability coverage
- Guest medical payments coverage
- Additional living expenses coverage

[Ibid.](https://www.usnews.com/insurance/homeowners-insurance/allstate) notes that policyholders can purchase add-ons including scheduled personal property coverage, green improvement reimbursement, and yard and garden coverage.

However, [(CNBC, "Insurers leaving high-risk climate areas", 2024)](https://www.cnbc.com/2024/02/05/what-homeowners-need-to-know-as-insurers-leave-high-risk-climate-areas.html) states that Allstate announced in November 2022 that it would "pause new homeowners, condo and commercial insurance policies in California to protect current customers." Existing policyholders were not dropped, but the company stopped accepting new home insurance applications due to wildfire risk and increased costs.

### Does Allstate Sell Condo and Renters Insurance?

Yes, Allstate offers both condo and [renters insurance](https://www.coveragecat.com/insurance-types/renters-insurance). [(LendingTree, "Allstate Car and Home Insurance Review", 2025)](https://www.lendingtree.com/insurance/allstate-insurance-review/) reports that Allstate charges an average of $17 a month for renters insurance, which is 6% less than the national average renters insurance rate of $18 a month.

### Does Allstate Sell Motorcycle Insurance?

Yes, Allstate provides motorcycle insurance coverage. Policies include liability coverage, collision and comprehensive coverage, and optional equipment coverage for customized bikes.

### Does Allstate Sell Umbrella Insurance?

Yes, Allstate offers [umbrella insurance](https://www.coveragecat.com/insurance-types/umbrella-insurance) policies that provide additional liability coverage beyond the limits of your auto and homeowners policies.

## <a id="how-it-works"></a>How Does Allstate Insurance Work?

Allstate operates through multiple distribution channels to serve different customer preferences. [(Insurance Journal, "Allstate Closes Acquisition", 2011)](https://www.insurancejournal.com/news/national/2011/10/07/219153.htm) explains that Allstate agencies serve personal touch loyalists who prefer local personal advice and are brand-sensitive; Esurance provides the business platform to serve the self-directed, brand-sensitive market segment; Answer Financial strengthens the offering to self-directed consumers who want a choice between insurance carriers; and customers who utilize independent agents and are brand-neutral are served by the Encompass operation.

### Getting a Quote

Customers can obtain quotes through multiple channels:

- Online at allstate.com
- By calling 1-800-ALLSTATE (1-800-255-7828)
- Through a local Allstate agent
- Via the Allstate mobile app

### Purchasing a Policy

Once you receive a quote and select your coverage, you can purchase a policy through your chosen channel. Payment options include monthly payments, six-month payments, or annual payments. [(LendingTree, "Allstate Review", 2025)](https://www.lendingtree.com/insurance/allstate-insurance-review/) notes that Allstate offers generous discounts for bundling your home and auto policies, with savings up to 25%.

### Managing Your Policy

[(Forbes, "Allstate Home Insurance Review: Is It Good?", 2026)](https://www.forbes.com/advisor/homeowners-insurance/allstate-home-insurance-review/) notes that Allstate provides a strong digital experience, allowing customers to get quotes and file claims online. The Allstate mobile app allows you to:

- Access digital insurance ID cards
- Pay bills
- Update policy information
- File claims
- Track claim status
- Contact your agent
- Access roadside assistance

## <a id="pricing"></a>Allstate Insurance Pricing

Insurance pricing varies based on numerous factors, including location, coverage levels, claims history, credit score, and individual risk factors.

### Auto Insurance Pricing

Auto insurance rates at Allstate reflect national trends but tend to run higher than average. [(Insurance Journal, "Allstate Doubles Q4 Net Income", 2026)](https://www.insurancejournal.com/news/national/2026/02/05/856975.htm) reports that in early 2026, Allstate reduced premiums for 7.8 million auto and homeowners customers by an average of 17% following record profitability in 2025, when full-year net income increased more than 123% to approximately $10.2 billion.

The following table summarizes Allstate auto insurance pricing compared to national averages:

| Coverage Type | Allstate Annual Average | National Average | Difference |
|--------------|------------------------|-----------------|------------|
| Full Coverage | $2,927 | $2,285 | +28% |
| Minimum Coverage | $840 | Data varies by state | N/A |

### Homeowners Insurance Pricing

[(U.S. News, "Allstate Homeowners Insurance Review for 2026", 2026)](https://www.usnews.com/insurance/homeowners-insurance/allstate) calculated an average monthly premium of $163 for Allstate's homeowners insurance for $300,000 dwelling coverage, placing Allstate at No. 3 among the cheapest home insurance providers in their study.

[(Forbes, "Allstate Home Insurance Review: Is It Good?", 2026)](https://www.forbes.com/advisor/homeowners-insurance/allstate-home-insurance-review/) notes that Allstate home insurance rates are competitive and slightly below the national average. However, [(U.S. News, "Allstate Homeowners Insurance Review for 2026", 2026)](https://www.usnews.com/insurance/homeowners-insurance/allstate) reports that in Illinois, Allstate raised home insurance rates by 8.8% on average in February 2026, affecting over 200,000 policyholders.

### Available Discounts

Allstate offers numerous discounts that can reduce premiums:

**Auto Insurance Discounts:**
- Multi-policy discount (up to 25%)
- Drivewise telematics discount (up to 15%)
- New car discount (up to 15%)
- Early signing discount (up to 10%)
- Safe driving discount
- Anti-lock brake discount
- Anti-theft device discount
- Good student discount
- Defensive driver discount
- Paid-in-full discount

**Homeowners Insurance Discounts:**
- Multi-policy bundling discount
- Claims-free discount
- Welcome and loyalty discounts
- Homebuyer discount
- Easy pay plan discount
- Early signing discount
- Protective device discounts (burglar alarms, fire alarms, etc.)

## <a id="pros-cons"></a>Pros and Cons of Allstate Insurance

<div class="grid">
  <div class="column">
    <p><b>Pros</b></p>
    <ul>
      <li>AM Best A+ (Superior) financial strength rating</li>
      <li>Available in all 50 states for auto insurance</li>
      <li>Large network of over 12,000 agents provides local service</li>
      <li>Comprehensive mobile app for policy management</li>
      <li>Wide variety of coverage options and customization</li>
      <li>Multiple discount opportunities, including bundling savings up to 25%</li>
      <li>24/7 customer service and claims support</li>
      <li>Drivewise telematics program rewards safe driving</li>
      <li>Recent premium reductions for 7.8 million customers</li>
    </ul>
  </div>
  <div class="column">
    <p><b>Cons</b></p>
    <ul>
      <li>Higher-than-average auto insurance rates historically</li>
      <li>Below-average J.D. Power claims satisfaction scores</li>
      <li>NAIC complaint index above industry average</li>
      <li>No longer accepts new homeowners policies in California</li>
      <li>BBB customer reviews show only 1.13 out of 5 rating</li>
      <li>Some customers report difficulty reaching agents</li>
      <li>Claims process can be slow according to customer reviews</li>
      <li>Multiple active legal challenges including data privacy lawsuit</li>
    </ul>
  </div>
</div>

## <a id="ratings"></a>Ratings and Customer Feedback for Allstate Insurance

### Financial Strength and Industry Ratings

[(AM Best, "Allstate Insurance Group - Best's Credit Rating Center", 2025)](https://ratings.ambest.com/RatingReview.aspx?AltNum=20143366&AltSrc=1&Ext_Misc=&Ext_User=&PPP=&Portal=0&Site=&URatingId=0&ambnum=8&bl=0) confirms that AM Best assigns Allstate Insurance Group a Financial Strength Rating of A+ (Superior) with a stable outlook, and an Issuer Credit Rating of aa- (Superior). The agency noted Allstate's favorable market position in the private passenger auto and homeowners markets.

[(Insurance Journal, "Allstate Doubles Q4 Net Income", 2026)](https://www.insurancejournal.com/news/national/2026/02/05/856975.htm) reports that Allstate's Property-Liability underwriting income increased 177.3% for full year 2025 to about $8.5 billion, with the combined ratio improving 9.1 points to 85.2. Q4 2025 net income applicable to common shareholders was about $3.8 billion, double Q4 2024.

### J.D. Power and NAIC Ratings

Allstate continues to face challenges with customer satisfaction metrics. For property claims satisfaction, Allstate scored below the industry average. [(Schultz & Myers, "Is Allstate the Worst Insurance Company for Consumers?", 2025)](https://schultzmyers.com/blog/is-allstate-the-worst-insurance-company-for-consumers/) reports that Allstate's NAIC complaint index for auto insurance is 2.70, meaning it receives nearly three times the average number of complaints relative to its market share.

### Customer Reviews Summary

| Source | Rating | Summary |
|--------|--------|---------|
| [**Trustpilot**](https://www.trustpilot.com/review/allstate.com) | 1.5 ★ (≈715 reviews) | Mixed reviews with complaints about communication and claim denials |
| [**BBB**](https://www.bbb.org/us/il/northbrook/profile/insurance-companies/allstate-insurance-0654-12014144) | A+ accreditation / 1.13 ★ customer reviews | Accredited with complaints about billing and claims processing |
| [**Yelp**](https://www.yelp.com/brands/allstate) | 3.8 ★ (≈4,619 reviews) | Generally satisfied customers with some complaints about agent responsiveness |
| [**Consumer Affairs**](https://www.consumeraffairs.com/insurance/allstate.htm) | Mixed reviews | Positive experiences with specific agents; complaints about rate increases |

[(Better Business Bureau, "Allstate Insurance - Customer Reviews", 2026)](https://www.bbb.org/us/il/northbrook/profile/insurance-companies/allstate-insurance-0654-12014144/customer-reviews) shows an average customer review rating of only 1.13 out of 5 for Allstate, based on 1,389 reviews. This low rating reflects widespread customer dissatisfaction despite the company's BBB accreditation.

### Real Customer Reviews

<div class="grid customer-review">
  <div class="column">
    <p>5 ★</p>
    <p><b>[Kena from Georgia via Consumer Affairs, August 2025](https://www.consumeraffairs.com/insurance/allstate_auto.html)</b></p>
  </div>
  <div class="column">
    <p>I have been with Allstate for a while and I absolutely love my Representative "Cynthia", she is very knowledgeable and experienced at her job, she was very professional and attentive to a situation I was in and assisted me all the way through the whole process. When we were done speaking I had all the understanding that I needed and stress level was reduced to 0!!</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>4 ★</p>
    <p><b>[Maria from Texas via Consumer Affairs, February 2025](https://www.consumeraffairs.com/insurance/allstate_auto.html)</b></p>
  </div>
  <div class="column">
    <p>About a few months ago my previous home and auto insurance increased so much. I thought I was going to be stuck with the high payments until I was honestly blessed with Julie with Allstate. She helped us tremendously with monthly savings! I highly recommend her service and Allstate for your home and auto needs.</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>3 ★</p>
    <p><b>[Paul in California via Trustpilot, August 2025](https://www.trustpilot.com/review/allstate.com)</b></p>
  </div>
  <div class="column">
    <p>Unbelievably frustrating just to try and talk with someone at my agency. Went through complaint process and first step said to contact someone at my agency!!! I have been a customer with Allstate for over 25 years. I was on hold over half an hour numerous times without successfully ever connecting with an agent.</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>2 ★</p>
    <p><b>[Edward S. via BBB, September 2025](https://www.bbb.org/us/il/northbrook/profile/insurance-companies/allstate-insurance-0654-12014144/customer-reviews)</b></p>
  </div>
  <div class="column">
    <p>They try to be cheap and shortchange you. My girlfriend is getting her car repaired and she's been going through the most with them. First, they lowballed her repair even though they didn't actually send a field adjuster to look at it. They switched claims adjusters multiple times, and when one finally got it right, now a new one comes in and put a stop to the claim while her car is already being worked on.</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>1 ★</p>
    <p><b>[Lloyd from Houston via Consumer Affairs, September 2025](https://www.consumeraffairs.com/insurance/allstate.htm)</b></p>
  </div>
  <div class="column">
    <p>I was just told after being a Allstate customer for 30+ years that they will not cover the damage from a storm. Somewhere in the fine print there is always something to keep them from paying anything. With a $680 a month premium you think they would cover something. I will let everyone I know and every person I come in contact with to not use Allstate.</p>
  </div>
</div>

## <a id="customer-service"></a>Customer Service and Claims Process

### Contact Information

[(GetHuman, "Allstate Customer Service", 2025)](https://gethuman.com/phone-number/Allstate) confirms that Allstate's main customer service number is 1-800-255-7828 (1-800-ALLSTATE). This call center operates 24 hours a day, 7 days a week.

[(Allstate, "Contact Allstate", 2025)](https://www.allstate.com/help-support/contact) states that Allstate customer service is available 24/7 to get the answers you need, when you need them.

**Contact Methods:**
- Phone: 1-800-255-7828 (24/7)
- Claims: 1-800-ALLSTATE (1-800-255-7828)
- Online: allstate.com
- Mobile app
- Local agent
- Email: Contact through website

### Filing a Claim

[(Graves Thomas Rotunda, "How to File a Car Accident Claim", 2025)](https://www.gravesthomas.com/blog/how-to-file-a-car-accident-claim-with-allstate/) explains that you can report an Allstate claim by calling the claims department at 1-800-ALLSTATE (1-800-255-7828), reporting the accident through Allstate's mobile app or website, or contacting your Allstate agent directly. Claims may be filed 24/7, year-round.

### Claims Handling Controversies

[(The Insurer, "Allstate, State Farm defend claims adjusting practices in Senate hearing", 2025)](https://www.theinsurer.com/ti/news/allstate-state-farm-defend-claims-adjusting-practices-in-senate-hearing-2025-05-16/) reports that in May 2025, Allstate claims adjusters testified to a Senate subcommittee that they were ordered to delete or reduce damage estimates for Hurricane Helene and faced retaliation for resisting. This testimony highlights concerns about the insurer's claims handling practices during catastrophic events.

### Claims Processing Time

[(Paulozzi LPA, "Allstate Insurance Claims", 2025)](https://law-ohio.com/allstate-insurance-claims-what-you-need-to-know/) states that Allstate typically processes claims within 30 days, though complex cases or disputed liability may extend this timeline.

### Regulatory and Legal Challenges

Allstate faces multiple active legal challenges that affect its operations and reputation. [(Top Class Actions, "Allstate class action claims insurer illegally collected driver data", 2025)](https://topclassactions.com/lawsuit-settlements/lawsuit-news/allstate-class-action-claims-insurer-illegally-collected-driver-data/) reports that a class-action lawsuit alleges Allstate illegally collected and sold data on "trillions of miles" driven, creating the "world's largest driving behavior database" from over 45 million Americans without proper consent.

[(CommLaw Group, "Texas Attorney General Sues Allstate Corporation", 2025)](https://commlawgroup.com/2025/texas-attorney-general-sues-allstate-corporation-in-first-privacy-enforcement-lawsuit/) notes that the Texas Attorney General filed a complaint in January 2025 under the Texas Data Privacy and Security Act, alleging Allstate collected data from 45+ million Americans via third-party apps without consent. The company faces fines of $7,500 per TDPSA violation and $10,000 per Texas Insurance Code violation.

## <a id="faq"></a>Frequently Asked Questions

### Is Allstate Insurance a real insurance company?

Yes, Allstate is one of the largest and most established insurance companies in America. [(Wikipedia, "Allstate", 2026)](https://en.wikipedia.org/wiki/Allstate) confirms that Allstate was founded in 1931 and has operated for over 90 years. The company holds an AM Best A+ (Superior) financial strength rating and is the fourth-largest property and casualty insurer in the United States.

### How does Allstate make money?

Allstate generates revenue by collecting premiums from policyholders and investing those funds. The company earns profit when premium income and investment returns exceed claims payouts and operating expenses. [(Insurance Journal, "Allstate Doubles Q4 Net Income", 2026)](https://www.insurancejournal.com/news/national/2026/02/05/856975.htm) reports that Allstate's full year 2025 net income increased more than 123% to approximately $10.2 billion.

### Is Allstate worth the cost?

Whether Allstate is worth the cost depends on your individual circumstances. The company offers strong financial stability with an AM Best A+ rating and an extensive network of over 12,000 agents. [(Forbes, "Allstate Home Insurance Review: Is It Good?", 2026)](https://www.forbes.com/advisor/homeowners-insurance/allstate-home-insurance-review/) notes that Allstate home insurance rates are competitive and slightly below the national average.

However, Allstate auto insurance rates have historically run higher than the national average, though [(Repairer Driven News, "Allstate reduces millions of property premiums", 2026)](https://www.repairerdrivennews.com/2026/02/12/allstate-reduces-millions-of-property-premiums-after-doubling-net-income-in-2025/) reports the company reduced premiums for 7.8 million auto and homeowners customers by an average of 17% in early 2026. Customer satisfaction scores remain below average, particularly for claims handling.

### Is Allstate good insurance?

Allstate presents a mixed picture. On the positive side, the company maintains superior financial strength ratings, offers a wide variety of coverage options, and provides extensive agent support. However, [(Better Business Bureau, "Allstate Insurance - Customer Reviews", 2026)](https://www.bbb.org/us/il/northbrook/profile/insurance-companies/allstate-insurance-0654-12014144/customer-reviews) shows an average customer review rating of only 1.13 out of 5, reflecting widespread dissatisfaction. The company also faces above-average complaint ratios and multiple legal challenges regarding data privacy and claims handling practices.

### Does Allstate offer insurance in California?

Yes, you can get Allstate auto insurance in California. However, [(CNBC, "Insurers leaving high-risk areas", 2024)](https://www.cnbc.com/2024/02/05/what-homeowners-need-to-know-as-insurers-leave-high-risk-climate-areas.html) explains that Allstate announced in November 2022 that it would "pause new homeowners, condo and commercial insurance policies in California to protect current customers." Existing policyholders were not dropped, but the company stopped accepting new home insurance applications due to wildfire risk and increased costs.

### Can I cancel my Allstate policy?

Yes, you can cancel your Allstate policy at any time. To cancel your policy or account with Allstate, you can contact your agent by phone or in person, or call customer service at 1-800-255-7828. You have up to 30 days to make payments with Allstate during a grace period.

### How do I contact Allstate about a claim?

You can file a claim 24/7 by calling 1-800-ALLSTATE (1-800-255-7828), using the Allstate mobile app, visiting allstate.com, or contacting your local agent directly.

### What happened to Esurance?

[(Insurance Journal, "Allstate to Retire Esurance Brand", 2019)](https://www.insurancejournal.com/news/national/2019/12/19/552548.htm) announced that Allstate retired its Esurance brand and combined its remaining Allstate, Encompass and Answer Financial personal lines brands under a single business model. Although Esurance no longer writes new policies, existing policies issued before March 2023 continue to be serviced by Esurance until renewal, when Allstate will offer the option to switch to Allstate, National General, or Encompass.