Allstate offers the widest range of coverage options and add-ons of any major insurer. Best known for new car replacement coverage and the Drivewise safe-driver program. Founded in 1931 and headquartered in Northbrook, IL, Allstate holds an AM Best financial strength rating of A+ and scored 843 out of 1000 on the J.D. Power 2026 U.S. Auto Insurance Study.
Allstate Pros and Cons
- New car replacement coverage
- Drivewise safe-driver program
- Wide coverage options
- Accident forgiveness available
- Highest rates among major insurers
- Below-average claims satisfaction
- Agent network smaller than State Farm
Bottom line: Allstate is best for Drivers wanting comprehensive coverage options.
Allstate Rates by Driver Profile
| Driver Profile | Estimated Annual Rate | vs. National Average | Assessment |
|---|---|---|---|
| Clean record — 35, good credit | $1,617 | $387 below avg | Above average |
| One speeding ticket | $2,021 | +25% surcharge | Standard |
| At-fault accident | $2,344 | +45% surcharge | Standard surcharge |
| DUI conviction | $2,878 | +78% surcharge | Higher than average surcharge |
| Teen driver added | $2,942 | +82% surcharge | Standard teen surcharge |
Allstate Coverage Options
Allstate offers standard auto insurance coverage types including liability, collision, comprehensive, uninsured motorist, and medical payments. Gap insurance is available from Allstate which covers the difference between your car's actual cash value and your loan balance after a total loss. Rideshare coverage for Uber and Lyft drivers is available from Allstate.
Is Allstate Right for You?
Allstate is an excellent choice for Drivers wanting comprehensive coverage options. Our recommendation is to always compare Allstate's rate against at least 3 other insurers before committing. Insurance rates are highly individualized and the cheapest insurer varies by your specific driver profile, location, and vehicle. A comparison shopping session takes 10 minutes and can save you $400 to $2,000 per year.