Updated on: July 26th, 2024
Written by: Rob Bhatt Edited by: Michael Kitchen
LendingTree car insurance score: 3.2 out of 5
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third party customer service ratings, and app / website experience. We weighted these categories based on what customers value in an insurance company. For 3rd party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
LendingTree home insurance score: 3.9 out of 5
Allstate car insurance rates are expensive, but its cheap homeowners rates make it a good company for bundling your home and auto insurance.
Home insurance rates are 9% less than the national average
Excellent complaint rating for home insurance
Generous discounts for bundling your home and auto insurance
Coverages available for home-sharing and rideshare drivers
Mileage-based car insurance available in 17 states
Full-coverage car insurance costs 32% above the national average
Gap insurance not available for auto policies
Slightly subpar satisfaction scores for home and auto
Allstate is a particularly good company if you plan to bundle your home and auto insurance. Its low home rates offset its high auto costs, and you get a generous discount for combining your home and auto policies.
Allstate is the nation’s fourth-largest car insurance company, and it ranks second for home insurance.
| Rating category | Allstate’s score | Segment average |
|---|---|---|
| Auto insurance satisfaction (higher is better) | 814 | 820 |
| Home insurance satisfaction (higher is better) | 809 | 819 |
| Auto complaint rating (lower is better) | 0.95 | 1.0 |
| Home complaint rating (lower is better) | 0.33 | 1.0 |
Sources: J.D. Power 2023 U.S. Auto Insurance Study; J.D. Power 2023 U.S. Home Insurance Study; NAIC complaint records for 2022
Allstate charges an average of $2,609 a year for full-coverage car insurance. That’s 32% higher than the national average ($1,972 a year).
Allstate’s minimum-liability rates average $1,158 a year, which is 50% higher than the national average ($773 a year).
But since car insurance rates vary by customer, be sure to shop around. And note that policies are usually more expensive for some drivers, such as teens, or those with DUIs or poor credit.
| Company | Full coverage annual rate | Liability-only annual rate |
|---|---|---|
| State Farm | $1,487 | $597 |
| Travelers | $1,919 | $835 |
| American Family | $1,920 | $728 |
| Geico | $1,937 | $727 |
| Progressive | $2,032 | $791 |
| Nationwide | $2,226 | $963 |
| Allstate | $2,609 | $1,158 |
| Farmers | $3,091 | $1,188 |
Allstate’s car insurance rates vary by state. Its average prices range from $1,602 a year in Maine for full coverage up to $5,150 a year in Florida.
| State | Full coverage annual rate | Liability-only annual rate |
|---|---|---|
| Alabama | $2,030 | $944 |
| Alaska | $1,877 | $561 |
| Arizona | $3,426 | $1,474 |
| Arkansas | $2,415 | $863 |
| California | $2,091 | $781 |
| Colorado | $3,000 | $1,209 |
| Connecticut | $2,857 | $1,280 |
| Delaware | $4,063 | $2,289 |
| District of Columbia | $3,661 | $1,703 |
| Florida | $5,150 | $2,222 |
| Georgia | $1,869 | $972 |
| Hawaii | $2,086 | $844 |
| Idaho | $1,838 | $668 |
| Illinois | $2,876 | $1,272 |
| Indiana | $2,269 | $1,018 |
| Iowa | $2,055 | $697 |
| Kansas | $2,678 | $1,118 |
| Kentucky | $4,036 | $1,795 |
| Louisiana | $2,915 | $966 |
| Maine | $1,602 | $770 |
| Maryland | $3,496 | $2,024 |
| Massachusetts | NA | NA |
| Michigan | NA | NA |
| Minnesota | $2,719 | $1,103 |
| Mississippi | $2,237 | $893 |
| Missouri | $2,618 | $1,126 |
| Montana | NA | NA |
| Nebraska | $2,373 | $894 |
| Nevada | $2,875 | $1,538 |
| New Hampshire | $2,164 | $1,128 |
| New Jersey | $2,750 | $1,339 |
| New Mexico | $2,400 | $1,105 |
| New York | $2,855 | $1,590 |
| North Carolina | $2,362 | $914 |
| North Dakota | $2,156 | $996 |
| Ohio | $1,988 | $827 |
| Oklahoma | $2,548 | $1,027 |
| Oregon | $3,374 | $1,894 |
| Pennsylvania | $2,372 | $1,060 |
| Rhode Island | $3,129 | $1,686 |
| South Carolina | $2,321 | $1,160 |
| South Dakota | NA | NA |
| Tennessee | $2,392 | $934 |
| Texas | $2,804 | $1,038 |
| Utah | $2,508 | $1,333 |
| Vermont | $1,844 | $427 |
| Virginia | $3,188 | $1,445 |
| Washington | $1,709 | $909 |
| West Virginia | $2,284 | $863 |
| Wisconsin | $2,215 | $1,009 |
| Wyoming | $2,128 | $710 |
Rates not available (NA) for every state.
Allstate’s variety of discounts can add up to sizable savings, including average savings of 25% for bundling your home and car insurance.
It also has a DriveWise program. It uses a smartphone app to monitor your driving for unsafe speeding or hard braking — avoiding these behaviors can get you a discount when you renew.
Allstate’s pay-per-mile Milewise program can save you money if you only drive a few thousand miles or less each year. Unfortunately, Milewise is only available in 17 states.
Allstate also offers discounts for:
Besides normal auto insurance coverages, like liability and collision, Allstate has other handy options, such as:
Allstate also has add-on coverage for rideshare drivers, called Ride for Hire. It bridges the gap between your personal auto coverage and the insurance your rideshare company provides.
Unfortunately, Allstate does not offer gap insurance or original equipment manufacturer (OEM) coverage.
Allstate charges an average of $2,560 a year for homeowners insurance. This rate is 9% less than the national average ($2,801 a year).
As with car insurance, rates will vary, so it’s worth comparing quotes from different companies to see what’s available.
| Company | Average Annual Rate |
|---|---|
| Erie | $2,055 |
| State Farm | $2,427 |
| Allstate | $2,560 |
| Country Financial | $2,827 |
| Nationwide | $3,055 |
| American Family | $3,072 |
| Travelers | $3,149 |
| Farmers | $3,801 |
In addition to charging rates that are lower than the national average, Allstate has the cheapest average home insurance rates in 10 states:
| State | Annual rate |
|---|---|
| Alabama | $2,228 |
| Alaska | $1,566 |
| Arizona | $3,331 |
| Arkansas | $3,473 |
| California | $933 |
| Colorado | $4,120 |
| Connecticut | $1,737 |
| Delaware | $1,094 |
| District of Columbia | $1,465 |
| Florida | NA |
| Georgia | $3,100 |
| Hawaii | $514 |
| Idaho | $1,575 |
| Illinois | $2,225 |
| Indiana | $1,582 |
| Iowa | $2,807 |
| Kansas | $5,130 |
| Kentucky | $2,240 |
| Louisiana | $3,962 |
| Maine | $2,440 |
| Maryland | $2,173 |
| Massachusetts | NA |
| Michigan | NA |
| Minnesota | $3,371 |
| Mississippi | $4,835 |
| Missouri | $2,356 |
| Montana | $4,265 |
| Nebraska | $5,581 |
| Nevada | $1,565 |
| New Hampshire | $1,255 |
| New Jersey | $1,028 |
| New Mexico | $2,519 |
| New York | $1,719 |
| North Carolina | $3,055 |
| North Dakota | $2,776 |
| Ohio | $2,285 |
| Oklahoma | $5,553 |
| Oregon | $2,301 |
| Pennsylvania | $1,522 |
| Rhode Island | $2,209 |
| South Carolina | $1,274 |
| South Dakota | NA |
| Tennessee | $3,242 |
| Texas | $5,858 |
| Utah | $1,339 |
| Vermont | $768 |
| Virginia | $3,023 |
| Washington | $1,061 |
| West Virginia | $2,128 |
| Wisconsin | $2,113 |
| Wyoming | $2,841 |
Rates not available (NA) for every state.
Just as with its car policies, Allstate homeowners insurance has many discounts available, including:
Allstate’s standard home insurance coverages provide the usual protections, along with several add-ons that might also be valuable.
For example, extra coverage for water backups and for valuables such as jewelry can be worth the added cost.
Other optional home insurance add-ons from Allstate include:
Allstate’s HostAdvantage increases the protections for your belongings if you rent your home out for short periods.
LendingTree obtains insurance rates from public filings reported to Quadrant Information Services.
Allstate’s car insurance rates are based on an analysis of quotes for typical drivers in 46 states and the District of Columbia. Home insurance rates are based on quotes for typical homes in 47 states and the District of Columbia.
Liability-only car insurance policies meet each state’s minimum car insurance laws. Full-coverage policies include:
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third party customer service ratings, and app / website experience. We weighted these categories based on what customers value in an insurance company.
For 3rd party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
Home insurance policies include:
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
