Allstate is one of the largest auto insurance companies in the United States, offering coverage for a wide range of drivers and vehicles. Its auto insurance products are designed to protect drivers, passengers and vehicles against covered accidents, damage and liability claims.
Allstate offers core coverage options including liability, collision, comprehensive and uninsured/underinsured motorist coverage. Additional options can include medical payments, personal injury protection, rental reimbursement, roadside assistance, rideshare coverage, classic-car insurance and coverage for electric vehicles, depending on the state and policy.
Allstate also provides several ways for eligible customers to reduce their premiums. Discounts may be available for bundling policies, safe driving, multiple vehicles, good students, vehicle safety features and paying premiums in full. Allstate's Drivewise® program uses driving behavior to provide a more personalized insurance rate, with savings potentially available for safer driving.
Another notable feature is Accident Forgiveness, an optional feature that can prevent an insurance rate increase after a qualifying accident, even when the insured driver was at fault. Eligibility and availability depend on the policy and state.
Allstate also offers convenient digital tools through its website and mobile app. Customers can manage policies, access digital ID cards, get quotes, submit claim information and connect with an agent. The company also provides 24/7 claims support.
Bundling can provide additional savings for eligible customers. Allstate currently advertises average savings of 20% when customers bundle home and auto insurance, although actual savings vary according to the policies, state and individual eligibility.
Allstate may be a good choice for drivers who want broad coverage options, multiple discount opportunities, usage-based insurance and strong digital tools. However, premiums can be relatively high compared with some competitors, so drivers should compare quotes based on identical coverage limits and deductibles.
Before purchasing, customers should compare the final premium, liability limits, collision and comprehensive deductibles, optional coverage, exclusions and available discounts with other insurers.
