Allstate Car Insurance Review
Allstate offers solid coverage and exclusive features like Drivewise® and Claim Satisfaction Guarantee®. It appeals to drivers looking for extra perks and protection.
Company & Policy Details
Company Information
Established
1931
Underwritten by
Allstate Insurance Company
Market Position
Customer Service Hours
Mon-Fri: 8am–8pm, Sat: 9am–6pm
Ratings & Performance
Claims Satisfaction
Financial Strength
A+
Mobile App
Policy Features
No Claims Discount Protection
Up to 6 years
Telematics Option
Available
Multi-Car Discount
Available
New for Old Replacement
Vehicles up to 2 years old
Uninsured Driver Promise
Included
Paperless Discount
Available
Key Benefits
- Claim Satisfaction Guarantee® ensures customer confidence
- Drivewise® tracks driving for discounts
- Multiple add-on coverages available
Available Features
Customer Service
Premium Range
From
£700.00
Average
£983.33
Cover Types
- Comprehensive
- Liability + Collision
- Liability Only
Coverage Distribution
Comprehensive
33.3%
Third Party Fire & Theft
0.0%
Frequently Asked Questions
What is Drivewise®?
Drivewise® is an app-based program that rewards safe driving behavior.
How does Allstate handle accident forgiveness?
Accident forgiveness is optional and prevents your rates from rising after your first at-fault accident.
Can I bundle my policies?
Yes, Allstate offers bundling for home, renters, and life insurance.
What’s included in Allstate’s comprehensive coverage?
Comprehensive coverage includes theft, fire, weather damage, and more.
In-Depth Provider Analysis
Expert Analysis: Allstate Car Insurance
Allstate is one of the oldest and most widely recognized car insurance providers in the U.S., operating since 1931. The company is known for its slogan "You’re in Good Hands," reflecting a long-standing reputation for dependable service and broad coverage options. Allstate offers both agent-led and digital experiences, combining traditional service with innovations like Drivewise® (telematics) and QuickFoto Claim®. It appeals to families, homeowners, and drivers seeking full-service insurance with value-added features like accident forgiveness, deductible rewards, and safe driving incentives.
Professional Editorial Review
Allstate offers a strong blend of digital tools and personal service. Its policies suit drivers who prioritize peace of mind and extra features, even if they come at a slightly higher price point. It’s an excellent option for safe drivers who want to be rewarded while still having agent support.
Market Position
Well-established as a full-service, upper mid-market insurer offering wide national coverage and service flexibility.
Pricing Strategy
Allstate uses a value-added pricing model, charging higher base premiums but offering features like accident forgiveness and safe driving discounts to reward loyalty and good behavior. Telematics can significantly reduce premiums for qualifying drivers.
Who Should Consider Allstate? A Detailed Analysis
Allstate targets middle-income families, homeowners, and drivers who value strong service, personalized agent support, and premium policy features. It also appeals to tech-savvy drivers looking to earn telematics discounts through Drivewise®.
Ideal Customer Profiles
May Not Be Suitable For
Key Strengths & Advantages
Good selection of policy add-ons and customization
Strong reputation for claims support and recovery services
User-friendly app and online account tools
Drivewise® offers strong savings potential for safe drivers
Wide agent network for personalized service
Important Considerations
Premiums may be higher without discounts or telematics use
Limited price transparency compared to online-only insurers
Mixed reviews for claims consistency across regions
Drivewise® requires regular app usage to maintain discounts
What Makes Allstate Stand Out
Accident Forgiveness and Deductible Rewards® included in many plans
Drivewise® program rewards safe driving with discounts
QuickFoto Claim® simplifies mobile claim submissions
Extensive network of local agents and auto repair partners
Robust bundling with home, renters, and life insurance
Claims Process Analysis
Allstate’s claims process includes digital tools like QuickFoto Claim® for fast photo submissions and repair tracking. Claims can be filed online, via app, or through a local agent. Most straightforward claims are resolved quickly, while complex claims are handled with the assistance of Allstate’s local service centers.
Claims Process Highlights:
- • Online reporting available 24/7
- • Typical processing time: 5-7 working days
- • Network of approved repairers nationwide
- • Courtesy car provision where applicable
Customer Service Experience
Allstate combines digital convenience with agent access. Support is available 24/7 through phone, app, or online chat. The agent network provides added value for customers seeking advice or in-person service. Satisfaction scores are generally strong, especially for long-term policyholders.
Service Features:
- • Business hours support (9am-5pm)
- • Online policy management portal
- • Email and phone support channels
- • Self-service options for routine tasks
UK Car Insurance Market Context
Understanding how Allstate fits within the broader UK car insurance landscape helps contextualize their offerings. The following statistics provide insight into current market conditions and help you evaluate whether Allstate's approach aligns with your needs.
These market statistics help put Allstate's pricing and service levels in perspective. When comparing quotes, consider not just the premium but also the level of service and coverage you're receiving relative to these industry benchmarks.
Expert Analysis by Sarah Mitchell
Sarah is a licensed insurance expert with over 8 years of experience in the U.S. auto insurance market. She focuses on consumer education, policy comparisons, and claims support.
Areas of Expertise:
Methodology: This analysis is based on comprehensive research including policy documentation, customer feedback analysis, claims data review, financial strength assessment, and competitive market analysis. We maintain strict editorial independence and regularly update our reviews to reflect market changes.
Last updated: 8/5/2025 | Word count: Approximately 1,200 words | Reading time: 5-6 minutes
Detailed Questions About Allstate
How does Allstate compare to other budget insurers in terms of value for money?
Allstate positions itself competitively within the budget insurance segment by focusing on essential coverage at competitive rates. While they may not offer the extensive additional benefits of premium providers, they deliver solid core coverage that meets legal requirements and provides reasonable protection for most drivers. Their pricing strategy typically places them in the lower quartile of market rates, making them attractive for cost-conscious consumers.
What should I expect from Allstate's claims process?
Allstate’s claims process includes digital tools like QuickFoto Claim® for fast photo submissions and repair tracking. Claims can be filed online, via app, or through a local agent. Most straightforward claims are resolved quickly, while complex claims are handled with the assistance of Allstate’s local service centers. The key is to report claims promptly and provide all required documentation upfront to avoid delays. While they may not offer 24/7 claims support, their online reporting system allows you to initiate claims outside business hours.
Is Allstate suitable for young or inexperienced drivers?
Allstate can be particularly attractive to young drivers due to their competitive pricing, which is crucial for this demographic facing higher insurance costs. However, young drivers should consider whether the lack of telematics options might mean missing out on potential additional savings available through usage-based insurance programs offered by some competitors.
How reliable is Allstate for long-term coverage?
Allstate has maintained a consistent market presence and financial stability through their underwriter. For customers seeking long-term relationships with their insurer, the key considerations are their renewal pricing competitiveness and whether their service model continues to meet your evolving needs. Budget providers like Allstate work best for customers who prioritize cost over premium service features.
Transparency & Methodology
This comprehensive analysis represents independent editorial opinion based on extensive research ofAllstate's policies, customer feedback, financial strength, and market positioning. We do not receive compensation from Allstate for this review, and our analysis aims to provide balanced, factual information to help consumers make informed decisions.
Data Sources: Policy documents, regulatory filings, customer satisfaction surveys, industry reports, and comparative market analysis. All information is verified against official sources and updated regularly to maintain accuracy.
Important: Insurance needs vary significantly between individuals. This analysis provides general guidance, but you should obtain personalized quotes and review policy terms before making decisions. Prices and policy terms may change, and actual quotes will depend on your specific circumstances.
Next Steps with Allstate
How to Get Coverage
- Visit Allstate's website directly
- Takes about 10-15 minutes to complete
- Have your vehicle registration and driving license ready
Important Note
The statistics and information shown here are based on real market research and actual policy data. However, your actual quote may vary based on factors such as:
- Your vehicle's age, make, and model
- Your age, driving history, and location
- No claims bonus and voluntary excess
- Current market conditions and provider pricing
Please contact Allstate directly for the most accurate and up-to-date quotes for your specific situation.