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Collect the basics before you start a quote
Have these on hand for every driver and vehicle: a valid driver’s license, the vehicle identification number (VIN), the garaging ZIP code/address, and a payment card.
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Get your personalized rate online, by phone, or with an agent
Go to allstate.com/auto-insurance and click “Get a Quote,” call 1-800-ALLSTATE, or consult a local agent—the company states that pricing is identical across channels.
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Customize coverages and stack discounts in real time
Adjust liability limits, add collision/comprehensive, and explore extras like accident forgiveness; the quote screen highlights savings for bundling home & auto, safe-driver telematics, and more as you toggle options.
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Lock in the policy with your first payment
Review the final premium, choose a pay-in-full or monthly plan, and submit at least the first installment—coverage can start the same day once payment clears.
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Download digital ID cards and manage your policy 24/7
Proof of insurance appears instantly in the Allstate Mobile app and My Account dashboard, where you can print cards, file claims, add vehicles, or change coverages any time.
Full review of Allstate Auto Insurance: Rich Perks, Higher Price—Is It Worth It?
KEY NUMBERS
| Metric (latest) | Allstate | Industry Average* | What It Means |
|---|---|---|---|
| Market share (2025) | 10.7% (4th-largest) | — | Big, stable carrier |
| AM Best rating | A+ (Superior) | A | Strong finances |
| NAIC complaint index (2023) | 0.92 | 1.00 | Fewer complaints than peers |
| Avg. full-coverage premium | $2,954–$3,310 | $2,692 | 23–28 % higher |
| J.D. Power claims score (2024) | 842 | 859 | Slightly below average |
| *Industry averages from NAIC, AM Best and Bankrate |
WHAT YOU GET
Standard coverages: liability, collision, comprehensive, medical payments, uninsured/underinsured motorist.
Popular add-ons (optional)
| Add-on | Why It Matters |
|---|---|
| Accident Forgiveness | First at-fault crash won’t raise your rate |
| Deductible Rewards | ‑$100 at signup, then ‑$100 per claim-free year (up to $500) |
| Safe Driving Bonus Check® | Semi-annual cash back for accident-free periods |
| New Car Replacement | Pays for a brand-new car (≤2 yrs old) after a total loss |
| Rideshare Endorsement | Extends coverage while you wait for Uber/Lyft trips |
| 24/7 Roadside Assistance | Tow, battery, flat tire, lock-out |
TECH-DRIVEN SAVINGS
- Drivewise® (telematics): tracks braking, speed, phone use; up to 40 % discount plus 10 % signup credit.
- Milewise® (pay-per-mile): daily base fee + cents per mile—often cheapest for drivers under ~10,000 mi/yr.
PRICE CHECK & DISCOUNTS
Base rates run about a quarter higher than the national norm. You can claw that back by stacking:
- Multi-policy (home + auto)
- Multi-car, good-student, anti-theft, paperless, early-sign and more Pair these with Drivewise or Milewise and many safe- or low-mileage drivers end up beating big-carrier averages.
CLAIMS & DIGITAL EXPERIENCE
- 24/7 filing via Allstate Mobile (4.8 iOS, 4.5 Android) or 1-800-ALLSTATE.
- Good Hands® Repair Network offers lifetime workmanship guarantee and real-time status updates.
- Cash-back bonus continues as long as each six-month term stays accident-free.
WHO SHOULD CONSIDER ALLSTATE
- Low-mileage commuters, retirees, WFH employees (Milewise)
- Tech-friendly safe drivers chasing telematics savings and cash bonuses
- Families bundling home and auto for a sizeable rate break
- New-car owners who want replacement-cost protection
- Part-time rideshare drivers needing inexpensive app-on coverage
WHO MAY WANT TO SHOP AROUND
- Price-first shoppers who rarely qualify for discounts
- Drivers who want GAP insurance (Allstate doesn’t offer it on personal auto)
- Consumers seeking top-tier claims satisfaction scores
PROS & CONS
- Superior financial strength, nationwide reach
- Tangible perks: shrinking deductible, cash-back checks, lifetime repair guarantee
- Robust telematics and true pay-per-mile option – List price 20-30 % above Geico, State Farm and Progressive for an average driver – Claims satisfaction only middle of the pack – No personal-auto GAP coverage; some long-time customers report rate creep
BOTTOM LINE
Allstate turns a fairly standard policy into a perk-packed bundle that can pay cash, cut deductibles and reward careful driving. If you drive safely, drive less, or bundle several policies, those extras can erase Allstate’s higher sticker price—and sometimes beat low-cost rivals outright. If you simply want the cheapest bare-bones coverage, look elsewhere. Otherwise, the “good hands” may be worth shaking.