Allstate Auto Insurance Review

Most customizable auto insurance with unique add-ons like new car replacement and Drivewise rewards.

By Michael Hewitt, Founder & Editor-in-Chief.

Our verdict

Allstate costs more on average, with policies from $55 a month, and in return you get the most customizable coverage: new car replacement, gap, even sound system add-ons, plus Drivewise rewards. Claims satisfaction trails GEICO and USAA. Pay for it only if you'll use the add-ons.

Skip it if you want basic coverage at the lowest price, or put claims service first.

About Allstate Auto Insurance

Most customizable auto insurance with unique add-ons like new car replacement and Drivewise rewards. Allstate Auto Insurance is offered by Allstate. Our editorial rating is 4.4 out of 5.

Best for: Drivers wanting the most customizable policy with add-on coverage.

Editorial grade: A- (composite score 85/100).

Highlights

Drivewise telematics rewards safe driving
Unique add-ons: new car replacement, gap, sound system
Allstate Rewards points redeemable at retailers

What we like

Most customizable coverage options
Unique add-ons (new car replacement, gap)
Drivewise rewards for safe driving
Allstate Rewards redeemable points

Where it falls short

Higher average premiums
Claims satisfaction below GEICO/USAA

Fees, minimums, and rates

Monthly fee: From $55/month. Minimum to open: N/A. Rates and promotional offers change often, so check the provider's own page before you apply.

How we reviewed it

This is a desk review: we have not opened an account with Allstate. It is built from Allstate's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Auto Insurance shortlist. The rubric is the same for every brand.

Similar products to compare

Read our full editorial methodology for how we review products.