Allstate car insurance carries an average annual rate of $3,501, roughly $947 above the national figure of $2,554, according to U.S. News data updated August 6, 2026. The carrier scored 3.9 out of 5 overall and earned a best-in-class mark for claims handling.
Allstate Car Insurance Rating Breakdown
U.S. News rated Allstate car insurance across five categories, with claims handling as the standout score. Price and buyer sentiment came in lower, reflecting rates that sit above competitors.
Allstate policyholders can adjust coverage or request a price cut mid-term, though the list of add-on options runs shorter than what some rivals offer.
How Allstate Handled Customer Claims
| Question put to buyers | Fully happy | Partly happy |
|---|---|---|
| How claims ended | 63% | 33% |
| Lodging claims easily | 60% | 33% |
| News while claims ran | 58% | 35% |
| Getting through to staff | 42% | 36% |
| Help that staff gave | 46% | 37% |
On loyalty, 48% of respondents said they were likely to recommend Allstate and 30% said very likely. For renewal, the split ran 50% likely and 36% highly likely, a pattern that lines up with the claims scores above.
Allstate Car Insurance Cost Compared to Rivals
A full year of Allstate car insurance runs $3,501 on average, well above Travelers, Geico and Progressive. Each premium is individual, so location, credit and driving history move the number in either direction.
| Insurer | Rating | Annual cost | Gap vs national average | Buyer score |
|---|---|---|---|---|
| Allstate | 3.9 | $3,501 | +$947 | 2.5 |
| Travelers | 4.9 | $1,842 | -$712 | 4.0 |
| Geico | 4.8 | $1,919 | -$635 | 4.0 |
| Progressive | 4.7 | $1,936 | -$618 | 4.1 |
All three competitors sell coverage across the 50 states plus Washington D.C. and quote rates online. Figures reflect data collected through August 2026.
Allstate Car Insurance Rates by Driver Age
Teen drivers pay the steepest Allstate car insurance rates, a pattern tied to limited experience behind the wheel. Costs ease once a clean record builds up over the years.
| Driver | Allstate | National average |
|---|---|---|
| Woman, 17 | $10,776 | $8,525 |
| Man, 17 | $11,970 | $9,565 |
| Woman, 25 | $3,932 | $3,137 |
| Man, 25 | $4,031 | $3,255 |
| Woman, 40 | $3,526 | $2,541 |
| Man, 40 | $3,476 | $2,568 |
| Woman, 60 | $3,263 | $2,262 |
| Man, 60 | $3,326 | $2,380 |
How a Driving Record Changes Allstate Insurance Rates
A clean file keeps Allstate car insurance rates near the base figure. A DUI charge pushes the annual bill up by more than 50%.
Coverage Level, Credit Score and Mileage at Allstate
State minimum coverage costs less upfront but leaves more financial exposure after a crash. Full coverage adds collision and comprehensive protection, a combination most lenders require on a financed vehicle.
Credit history plays into the price too. Weak credit more than doubles the base rate, while mileage driven each year moves the bill by a smaller margin.
| Situation | Allstate | National average |
|---|---|---|
| Bare state limits | $1,233 | $873 |
| Full coverage | $3,501 | $2,554 |
| Weak credit | $5,532 | $4,891 |
| Strong credit | $3,501 | $2,554 |
| 7,000 miles yearly | $3,326 | $2,410 |
| 14,000 miles yearly | $3,501 | $2,554 |
Ways to Lower an Allstate Car Insurance Bill
Several discounts apply on top of the base Allstate car insurance rate. Holding more than one policy, fitting ABS brakes, adding theft-prevention gear, paying bills on time, keeping strong school grades and living away at college while a parent keeps the policy can all cut the total.
Availability shifts by state, so this list stays partial until an agent confirms what applies locally. Drivewise prices a driver from real driving habits, offers an instant discount at sign-up, then may add a further cut at renewal based on the data collected.
What Coverage Allstate Car Insurance Sells
Standard picks include liability for bodily harm and property damage, collision, comprehensive, personal injury protection, coverage toward medical bills, and protection against drivers carrying no insurance or too little.
Add-ons stretch to roadside assistance, rental reimbursement, rideshare driving coverage and accident forgiveness. Allstate also covers classic cars and trips across the border into Mexico.
How to Get a Quote From Allstate Car Insurance
Quotes come through the website or by phone, and several thousand local agents work across the country alongside an online agent finder. Reach the company at allstate.com, call 800-726-6033, or use the contact and chat page for support by phone, chat or email.
FAQs
Is Allstate car insurance expensive compared to other insurers?
Yes. Allstate averages $3,501 a year versus a $2,554 national average, and it costs more than Travelers, Geico and Progressive in side-by-side comparisons.
What rating did Allstate car insurance receive in 2026?
U.S. News gave Allstate 3.9 out of 5 overall as of August 6, 2026, with a best-in-class mark for how claims were handled.
Does driving history affect Allstate car insurance rates?
Yes. A DUI raises the annual rate to $5,346 and a caused crash raises it to $5,154, both well above the $3,501 clean-record average.
Can Drivewise raise my Allstate car insurance rate?
Yes. Drivewise tracks driving habits, and risky patterns such as hard braking or speeding can raise the premium rather than lower it.
How do I contact Allstate car insurance for a quote?
Quotes are available at allstate.com, by calling 800-726-6033, or through a local agent found using the website’s agent finder tool.
Francesco is a maker, engineer, and 3D printing enthusiast passionate about building tools and spaces that inspire creativity. With a background in software development and hands-on hardware projects, he explores the intersection of digital fabrication, productivity, and modern workspaces. When he’s not designing or experimenting, Francesco shares insights to help others create smarter, more efficient environments for work and making.