What Does Allstate Car Insurance Offer?

Tamsen Butler
Allstate Car Insurance

Allstate offers a full gamut of car insurance options in addition to their other insurance products. With a business model featuring local agents, it continues to dominate the car insurance market as one of the largest auto insurers in the United States.

Products Offered

Allstate offers all the basics: collision, liability, and comprehensive coverage. They additionally offer coverage including, but not limited to:

  • Medical payments coverage for passengers
  • Rental car reimbursement
  • Uninsured motorist coverage
  • Roadside coverage
  • Personal injury protection

Coverage Varies

Available coverage can vary from state to state. Auto insurance coverage for classic cars and ridesharing vehicles is also available as non-standard policies.

Cost of Coverage

Allstate is not among the car insurers considered to be bargain-priced. The amount of money a car insurance policy will cost depends on a variety of factors including, but not restricted to:

  • Driving history/records
  • Previous insurance coverage
  • Previous car insurance claims
  • Credit history

Insurance Score

Allstate uses what they call an "insurance score" in order to calculate how big of a risk a driver is considered. The insurance score is very similar to a credit score, and in most cases, is derived directly from information found on the driver's credit report. Allstate may turn down coverage for a driver who is considered too high-risk based on their insurance score, driving history, or a combination of both.

Other Cost Factors

Allstate takes other factors into consideration before presenting a quote for coverage, including the following, though there may be other factors considered as well:

  • Age and gender of the driver and at what age he or she started driving
  • How long the driver has lived at his or her current residence, and whether the person rents or owns
  • Marital status
  • If married, the age and gender of the spouse, and whether or not the spouse is a licensed driver
  • The year, make, and model of the vehicle
  • If the vehicle is owned, leased, or financed
  • How the vehicle is used/how many miles it's driven annually
  • Where the vehicle is stored
  • Safety features on the vehicle
  • The type of coverage desired

Public Records Search

Submitting a request for a quote to Allstate will result in a quick public records search. The information found within the search may impact the cost of coverage.

Sample Costs

A middle aged female with a clean driving record living in a mid-sized town in the Midwest and driving a 10 year-old vehicle she owns, wanting middle-tier coverage, will pay around $105 a month, according to Allstate's online quote system - note that this quote is before a credit check or insurance score check, and therefore could change.

Nerd Wallet ranks Allstate's average quote for coverage as higher than average at around $265 a month, but further states that consumers are willing to pay the higher fees because of Allstate's solid reputation.

Getting a Quote

Allstate offers quotes online and via phone and through any of their independent agents.

Unique Offerings

Allstate claims to be set apart from other car insurance companies because of their local agents - these insurance professionals are members of the communities they serve and have an interest in promoting safe driving. Customers who purchase coverage from Allstate online are assigned to a local agent. It's this personalized support that Allstate advertises in order to attract more customers.

Customer Satisfaction

Allstate generally ranks high for their car insurance products and claims processing. Allstate also boasts fewer-than-average consumer complaints when compared to other car insurance companies. Additionally, they are considered to be one of the most financially stable auto insurance companies in the United States.

An Impressive History

Founded in 1931, Allstate managed to stay afloat even during turbulent economic climates. They've come a long way from their roots of selling auto insurance through the mail and continue to dominate the American auto insurance industry as one of the top insurers.

What Does Allstate Car Insurance Offer?