Allstate Auto Insurance Review (2025): Is It Worth Your Premium Dollar?

When I first started shopping for car insurance back in college, I did what most people do: I asked my dad. His response? “Just call Allstate. They’ve been around forever.” He wasn’t wrong—they’ve been in the game since 1931, and millions of drivers have trusted them over the decades. But fast forward to today, and the insurance landscape looks very different.

Between telematics, pay-per-mile policies, and a flood of online reviews, choosing an auto insurer is more confusing than ever. That’s where this review comes in. I’ve spent weeks digging into the latest data, scouring customer reviews, and comparing Allstate to its closest competitors. If you’re wondering whether Allstate is still a smart choice in 2025, read on.

Quick Verdict: Allstate at a Glance

What Makes Allstate Stand Out?

Allstate is one of the largest auto insurers in the U.S., serving over 16 million households. Its size means more resources, more coverage options, and more digital tools than smaller insurers. Here are a few of its standout features:

Drivewise® – Smart Tech for Safer Driving

Drivewise is Allstate’s telematics program that tracks your driving habits—like braking, speed, and time of day—through the Allstate app. Safe driving earns you cashback every six months. Some users report up to 30% off their premiums.

I tested it myself on a cross-country trip and loved the instant feedback. The app gave me tips like “Avoid hard stops” and rewarded me for late-night-free driving. It gamifies safe driving—and who doesn’t like a little cashback?

Milewise® – Pay-Per-Mile Insurance

If you’re a low-mileage driver—think remote workers or retirees—Milewise could be a budget-friendly option. You pay a daily base rate plus a per-mile rate.

For example, if you drive only 5,000 miles a year, you could save hundreds compared to traditional coverage. It’s available in most states, though not nationwide (yet).

What Coverage Does Allstate Offer?

Allstate checks all the standard boxes—and then some.

Standard Coverage

• Liability (bodily injury/property damage)

• Collision

• Comprehensive

• Personal injury protection (PIP)

• Uninsured/underinsured motorist

Optional Add-Ons

• Roadside Assistance

• Rental Reimbursement

• Sound System Coverage

• Rideshare Insurance

• New Car Replacement

These add-ons are priced competitively, though bundling them can quickly raise your premium.

How Much Does Allstate Cost in 2025?

Here’s where it gets tricky. Allstate is typically more expensive than its national competitors. According to The Zebra’s 2025 study, the average annual premium for a 35-year-old good driver is around $1,990, compared to $1,580 with Geico or $1,610 with Progressive.

Note: Your rate will vary based on location, driving history, credit score, and vehicle type. Always compare quotes.

If price is your biggest concern, you might want to explore our cheap car insurance guide for cost-saving tips, discount breakdowns, and affordable alternatives.

Real Talk: What Are Customers Saying?

Customer satisfaction is a mixed bag.

What They Like:

• User-friendly mobile app

• Helpful local agents

• Drivewise program rewards

Common Complaints:

• Claims can be slow

• Premium hikes after first year

• Long hold times on customer service

J.D. Power’s 2024 Auto Insurance Satisfaction Study gave Allstate a score of 833/1,000, which falls below the national average. And the NAIC Complaint Index was 2.57—more than double the baseline, meaning it receives more complaints than similar-sized insurers.

Allstate’s Mobile Tools: A High Point

Allstate’s app is one of the best in the industry. On Apple’s App Store, it boasts a 4.8-star rating from over 750,000 reviews. You can:

• File claims

• Monitor Drivewise performance

• Pay your bill

• Access digital ID cards

That seamless tech experience is one reason younger drivers are sticking with Allstate despite its higher premiums.

Who Is Allstate Best For?

In my view, Allstate is a great fit for:

• Drivers who want digital tools but still value a local agent

• Safe drivers who can benefit from telematics discounts

• Homeowners looking to bundle and save

• Low-mileage drivers who qualify for Milewise

It’s probably not the best fit for:

• Budget-focused shoppers

• Drivers with poor credit

• Those who prefer purely online insurers like Root or Lemonade

Allstate vs. The Competition

Allstate holds its own with tech features and brand recognition but trails behind on price and claims satisfaction.

FAQs About Allstate Auto Insurance

Q: Does Allstate offer accident forgiveness?
Yes—but only in certain states and for eligible drivers.

Q: Can I cancel my policy anytime?
Yes, but check for possible cancellation fees depending on your location.

Q: Is Drivewise available in every state?
Almost—availability varies, so check with an agent.

Q: Can I manage everything online?
Absolutely. The app and website are robust, though many still prefer speaking with a local agent.

Final Thoughts: Should You Choose Allstate?

Allstate remains a solid choice if you’re looking for a well-established insurer with powerful digital tools and local agent access. But it comes at a price—and for some, a steeper one than expected.

Here’s what I always tell people: Auto insurance isn’t one-size-fits-all. The “best” provider for your neighbor might be a poor fit for you. That’s why it pays to get personalized quotes, check for state-specific discounts, and think about how much you really drive.

Looking for Smarter Auto Insurance Advice?

At Budget Insurance Agency, we’re here to make those decisions easier. Whether you’re comparing Allstate to other providers or just want to explore your options, our licensed agents are ready to help. We believe in clear answers, honest pricing, and getting you the coverage that actually fits your life.

Want to explore more options beyond Allstate? Check out our auto insurance page for helpful guides, expert tips, and other provider comparisons.

Get your free quote today