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Allstate
Allstate earns 4.4/5 for broad auto and property coverage, local-agent and direct purchase options, strong home endorsements, digital claims, and a 4,500-plus-shop Good Hands Repair Network. Drivewise can reward safe driving, but Allstate says high-risk behavior can increase the rate in some states and its FAQ describes participation requirements that can produce a surcharge if unmet. Milewise offers pay-per-mile or unlimited vehicle options where eligible. Premium, product, issuing company, discount, and new-policy availability vary by state and purchase channel, so the quote and declarations—not an advertised savings average—must drive the decision.
What to know about Allstate
Allstate earns 4.4/5 for broad auto and property coverage, local-agent and direct purchase options, strong home endorsements, digital claims, and a 4,500-plus-shop Good Hands Repair Network. Drivewise can reward safe driving, but Allstate says high-risk behavior can increase the rate in some states and its FAQ describes participation requirements that can produce a surcharge if unmet. Milewise offers pay-per-mile or unlimited vehicle options where eligible. Premium, product, issuing company, discount, and new-policy availability vary by state and purchase channel, so the quote and declarations—not an advertised savings average—must drive the decision.
Pros
- Broad auto and property coverage with useful home endorsements
- Local agents plus online, phone, app, and digital claims access
- Drivewise, Milewise, and a 4,500-plus-shop repair network
Cons
- Price can vary by purchase channel and risk profile
- Drivewise can increase price or surcharge unmet participation in applicable cases
- Selected products route to affiliates or external partner insurers
Scoring breakdown
- Price4.0/5
- Coverage4.7/5
- Claims Experience4.4/5
- Discounts4.6/5
- Customer Service4.4/5
Verified product facts
- Pricing
- Personalized premium based on state, driver or property risk, coverage, deductibles, discounts, underwriting, and purchase channel; Allstate states auto price can vary online, by call center, or through an agent
- Coverage Types
- Auto, homeowners, renters, condo, landlord, motorcycle, ATV, boat, umbrella, business, life, identity, and other products; selected RV, pet, event, travel, flood, and specialty offers route to affiliates or partners
- Availability
- Allstate agents serve all states and D.C., but product, underwriting company, new-business eligibility, discounts, Drivewise, Milewise, coverage, and price vary by state, channel, and risk
Where Allstate ranks
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Fact-checked July 18, 2026. Sources: Allstate auto insurance, pricing channels, and Drivewise disclosure, Allstate homeowners insurance, Allstate Drivewise, Allstate Drivewise participation and surcharge FAQ, Allstate Milewise product support, Allstate home extras and rewards, Allstate claims process, Allstate Good Hands Repair Network, NAIC complaint research guidance.