Allstate Insurance Review and Ratings (2024)

As one of the most recognizable names in the industry, Allstate insurance reviews are a mixed bag. Some customers appreciate the long list of Allstate insurance options, while others say Allstate insurance rates are too high. For a 45-year-old male with a clean record, Allstate auto insurance rates average $160 per month.

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Oct 13, 2023

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Company Details
Address: 2775 Sanders Road
City: Northbrook
State: IL
ZIP Code: 60062-7127
Phone Number: 847-402-5000
AM Best Rating: A+
URL where was collected the AM Best Rating: http://www3.ambest.com/ratings/entities/searchresults.aspx?URatingId=1834484&bl=0&AltSrc=1&PPP=&AltNum=0&Ext_User=&Ext_Misc=&CoName=nationwide+
Lines of Insurance: auto, life, home
States Licensed To Sell Insurance In: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, VI, WA, WV, WI, WY, CANADA
Type of Insurance Company: Stock
Parent Company: Allstate Insurance Group
Top executive Contact: Don Civgin
Title of Top executive: President and Chief Executive Officer
Ticker Symbol: ALL
Assets & Premiums: Allstate Insurance Group is primarily a national insurance company specializing in automobile and homeowner insurance. It also sells life insurance, annuities and personal financial products. It has a subsidiary that provides banking services.Premiums and income has been steadily increasing for five years, but more from price increases than from acquiring new customers. The company has over $47 billion dollars in assets. Capitalization has gone up and down because the parent company often takes dividends and because of underwriting and investment losses. Leverage is reasonable with approximately 22% of capital represented in debt and preferred stock as of December, 2004.In 2005, Allstate took a major hit from gulf hurricanes ($5.8 billion in losses). However, while profit and return on equity were down other financial indicators seem to have remained fairly steady. This is the nature of property casualty insurance. It is a sign of a strong company that singificant losses do not cause extensive financial distress.
Insurance subsidiaries:
  1. Allstate Insurance Company of Canada
  2. Allstate Fire and Casualty Insurance Company
  3. Allstate Life Insurance Company
  4. American Heritage Life Insurance Company
  5. Esurance
  6. Encompass Insurance Company
Overview

  • As one of the largest insurance companies in the country, Allstate has an extensive list of coverage options
  • Allstate insurance rates tend to be high, especially for Allstate’s auto insurance policies
  • While Allstate has some advantages, many customers leave unsatisfied reviews

Allstate is one of the biggest names in auto insurance, but it sells much more than coverage for your car. From home and life insurance to coverage for things like your pets, boats, and even events you host, Allstate insurance options are extensive.

While it has great insurance options, its rates also tend to be much higher than other companies. Allstate’s auto insurance rates are particularly high, especially for drivers with a DUI or at-fault accidents.

Despite having higher average rates, Allstate offers some of the best auto and home insurance discounts. It might be the right company for your needs, but reading through this Allstate insurance review is the best way to learn more. After, make sure to compare options from other companies to find the best policy for you.

Allstate Auto Insurance

As one of the largest insurance companies in the country, Allstate offers everything you need for both minimum and full coverage auto insurance. When you shop at Allstate, you can choose from the following basic types of auto insurance:

  • Liability: Required in most states, liability insurance pays for damage and injuries you cause in an accident. It’s a good idea to purchase more coverage than required in your state if your budget allows.
  • Comprehensive: Comprehensive insurance protects your car from damaging events like falling objects, extreme weather, fires, floods, vandalism, theft, and animal contact.
  • Collision: Collision coverage pays for your car repairs after an accident, no matter who was at fault. It also covers you if you hit a stationary object like a light pole.
  • Uninsured/underinsured motorist: While most states require insurance, some drivers go without. If you’re hit by someone without enough insurance, uninsured motorist coverage pays your medical bills and car repairs.
  • Personal injury protection: Personal injury protection (PIP) insurance pays medical bills for you and your passengers after an accident. It also covers things like lost wages and physical therapy.
  • Medical payments: Similar to PIP coverage, medical payments (MedPay) insurance covers health care expenses.

How much insurance coverage you need depends on several factors, including your budget, local laws, and the value of your car.

Insurance laws vary by state, with some requiring much more coverage than others. It’s imperative that you meet your state’s minimum insurance requirements before you drive, or you’ll face serious consequences. You don’t need to know the laws yourself, though, as Allstate representatives understand local regulations.

Jeffrey Manola Licensed Insurance Agent

You’re not stuck with just a basic insurance policy – Allstate sells a variety of add-ons so you can customize your coverage.

Allstate Auto Insurance Add-ons

Like most major insurance companies, Allstate offers a variety of add-ons that allow you to customize your policy and deepen the protection on your car. Allstate customers can choose from the following add-ons:

  • Roadside assistance: Allstate auto insurance policyholders can add roadside assistance to their policy, which helps with flat tires, dead batteries, and tows. You can also purchase it as a separate policy, no matter where you get your car insurance from.
  • Gap: If you total your car while you owe more on your loan than the vehicle is actually worth, gap insurance pays the difference, so you’re not stuck paying on a car you no longer drive.
  • Rental reimbursement: If you have to leave your car at a repair shop after a covered accident, Allstate will pay for your rental.
  • Rideshare: Rideshare insurance covers gaps in the coverage offered by companies like Uber and Lyft so you can work without worrying.
  • New car replacement: If your car is two years old or younger, Allstate will replace it with the same model year if you total it.
  • Milewise: Milewise is Allstate’s pay-per-mile auto insurance option for people who spend less time behind the wheel.
  • Vanishing deductible: Allstate reduces your deductible by $100 every year you don’t file a claim, up to $500.
  • Umbrella: If you’re worried about the liability portion of your insurance maxing out, you can buy umbrella insurance to ensure your financial responsibilities after an accident are always covered.
  • Mexico auto insurance: Planning on driving to Mexico for business or vacation? You’ll need Mexican auto insurance, which Allstate provides.

While adding as much coverage as possible to your policy might be tempting, you should only buy what you need. Each add-on increases the price of your policy, and too many can quickly make your insurance too expensive.

Allstate Auto Insurance Rates

Insurance companies calculate your car insurance rates using a variety of factors, including your age, location, and driving history. Regardless of your circumstances, however, Allstate tends to be one of the more expensive options. Check below to see how much minimum insurance costs from Allstate.

Allstate Average Minimum Coverage Rate by Age & Gender
Age & GenderMinimum Rate
16-Year-Old Male With Clean Record$260
16-Year-Old Female With Clean Record$237
18-Year-Old Male With Clean Record$223
18-Year-Old Female With Clean Record$193
25-Year-Old Male With Clean Record$72
25-Year-Old Female With Clean Record$69
30-Year-Old Male With Clean Record$67
30-Year-Old Female With Clean Record$64
45-Year-Old Male With Clean Record$61
45-Year-Old Female With Clean Record$62
45-Year Old Male With DUI$106
45-Year-Old Female With DUI$107
45-Year-Old Male with an Accident$87
45-Year-Old Female with an Accident$88
45-Year-Old Male With a Ticket$72
45-Year-Old Female With a Ticket$73
55-Year-Old Male With Clean Record$58
55-Year-Old Female With Clean Record$58
60-Year-Old Male With Clean Record$60
60-Year-Old Female With Clean Record$59
65-Year-Old Male With Clean Record$60
65-Year-Old Female With Clean Record$61

Minimum insurance is your cheapest option for coverage, but it doesn’t protect your vehicle. Full coverage auto insurance is a better choice for many drivers. You can check Allstate’s average full coverage rates below.

Allstate Average Full Coverage Rate by Age & Gender
Age & GenderFull Rate
16-Year-Old Male With Clean Record$638
16-Year-Old Female With Clean Record$608
18-Year-Old Male With Clean Record$519
18-Year-Old Female With Clean Record$448
25-Year-Old Male With Clean Record$190
25-Year-Old Female With Clean Record$181
30-Year-Old Male With Clean Record$176
30-Year-Old Female With Clean Record$168
45-Year-Old Male With Clean Record$160
45-Year-Old Female With Clean Record$162
45-Year Old Male With DUI$270
45-Year-Old Female With DUI$272
45-Year-Old Male with an Accident$225
45-Year-Old Female with an Accident$228
45-Year-Old Male With a Ticket$188
45-Year-Old Female With a Ticket$190
55-Year-Old Male With Clean Record$152
55-Year-Old Female With Clean Record$153
60-Year-Old Male With Clean Record$154
60-Year-Old Female With Clean Record$150
65-Year-Old Male With Clean Record$157
65-Year-Old Female With Clean Record$158

As you can see, Allstate auto insurance quotes can be quite high. This is particularly true for teen drivers, drivers with a DUI, and people with low credit scores. Although Allstate rates are high, you might be able to save significantly with its long list of car insurance discounts.

Allstate Auto Insurance Discounts

While the most important step to save money is to compare auto insurance quotes online, another crucial thing to do is look for discounts. Allstate might have high average rates, but it makes up for those prices with a long list of discounts. In fact, the amount of discounts available is a common highlight in most Allstate auto insurance reviews.

You might be eligible for the following savings from Allstate:

  • Drivewise: Drivewise is Allstate’s telematics auto insurance program, which tracks driving behaviors. The safer you drive, the more you can save – up to 40% off.
  • Safe driver: You can still save on your insurance by being a good driver, even if you don’t want to sign up for Drivewise. Earn Allstate’s safe driver discount by staying accident and traffic violation-free.
  • Safety features: You’ll save on your coverage if your car has safety features like anti-lock brakes, audible alarms, air bags, and daytime running lights.
  • Homeowner: Save on your car insurance by owning a home with insurance coverage, even if the policy isn’t with Allstate.
  • Policy bundling: Save even more by purchasing an Allstate homeowners insurance policy. The bundling discount also works with renters insurance.
  • New car: Earn this discount by having a car one model year old or newer and being the first owner.
  • EZ Pay plan: Save up to 5% just for setting up automatic payments from your bank account.
  • eSmart: Save an additional 10% on your policy by enrolling in paper-free billing and documents.
  • Responsible payer: As long as you haven’t received a cancellation notice in the last year for non-payment, you can save up to 5%.
  • Smart Student: Unmarried students under 25 can lower their rates by maintaining a 2.7 GPA, completing the teenSMART driving program, or leaving their car at home while attending a school more than 100 miles away.
  • FullPay: Save on your insurance by paying your entire six-month premium upfront rather than in monthly increments.
  • Premier and Premier Plus: Allstate offers additional ways for safe drivers to save. The Premier discount offers 22% savings if you go three years without a claim, while the Premier Plus saves you up to 35% for going five years claims-free.

Discount availability varies by state, so check with a representative to see what you’re eligible for. Most discounts apply directly to your policy when you sign up, but some require more. Again, a representative will have any information you need.

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Allstate Home Insurance

Unlike auto insurance, home insurance is never required by law. However, you’ll probably need to purchase a policy if you have a mortgage. Regardless, protecting your home with coverage is always a good idea.

Allstate homeowners insurance offers the same basic policy options as most major companies, which include:

  • Dwelling and physical structure: When you think of home insurance, this is the portion you probably have in mind. It covers the physical structure of your home, plus other freestanding structures like fences, garages, or pools.
  • Personal property: Your home is more than walls and a roof – Allstate will repair or replace your personal belongings, including appliances, furniture, and even clothes.
  • Liability: You need home liability coverage if a guest injures themselves on your property. The liability section of your home insurance will cover your guest’s medical bills and your legal fees if they sue.
  • Additional living expenses: If your home becomes unliveable after a covered event, Allstate will cover living expenses while you wait for repairs.

It might not seem like much, but these types of home insurance policies can save you thousands of dollars if anything happens to your house. However, there are gaps in the coverage. To fill in those gaps, Allstate offers home insurance add-ons.

Allstate Home Insurance Add-ons

Although Allstate home insurance coverage offers great protection, there are gaps. Some of the biggest threats not covered by your policy include extreme weather, earthquakes, and floods. You can also exceed the coverage limits of your personal belongings or liability coverage.

According to government agencies, America’s homes are at a greater risk for damage not covered by regular insurance policies than ever before. Buying extra coverage will increase your rates, but it can save you thousands of dollars if your home is damaged or destroyed by floods, water backups, or extreme weather.

Scott W. Johnson Licensed Insurance Agent

Allstate has add-on options for nearly any event, giving you the best chance at keeping your home safe. These include:

  • Flood: While minor water damage is covered in your homeowners insurance, it doesn’t cover flood damage. Nearly every home in America is at some risk of flood damage, but it’s crucial to buy if you live in a flood plain.
  • Water backup: America’s sewers are aging, causing more backup damage to houses every year. This add-on covers damage from backed-up drains and sump pumps.
  • Earthquake: Regular home insurance doesn’t cover damage caused by moving earth or mudslides. Allstate offers earthquake insurance for your home, but only if you live in California.
  • Personal umbrella: If you’re worried about exceeding the limits of the liability portion of your home insurance, you can purchase additional coverage.
  • Musical instruments or sports equipment: Basic personal property coverage might not be enough to fully replace expensive musical or sports equipment, but this add-on ensures they’re covered.
  • Yard and garden: You can also purchase extra coverage for landscaping and the equipment needed to maintain it.
  • Scheduled personal property: You can increase your coverage for expensive personal property like jewelry, art, antiques, and collections as long as they’ve been appraised.
  • HostAdvantage: Allstate offers home-sharing insurance if you rent part of your home. It offers additional coverage for damage or theft resulting from renting your home.
  • Business property: if you work from home or store business equipment on your property, this add-on has your work equipment covered.
  • Green improvement reimbursement: If your home is damaged in a covered event, this add-on covers the cost to repair or replace things with more energy-efficient options.
  • Identity theft: Allstate covers your legal fees and other expenses if you become a victim of identity theft.
  • Electronic data recovery: This add-on pays to recover lost data, pictures, and videos if your computer is destroyed or damaged.

If you’re interested in any of the add-ons listed above, make sure to check with an Allstate representative. Add-on availability often varies by state, so you might not be able to purchase every optional coverage.

Allstate Home Insurance Rates

Home insurance rates depend on a variety of factors, which makes it difficult to give a rough estimate on how much you might pay. When you shop for home insurance, companies consider the following:

  • Location: Your ZIP code tells insurance companies about risks your home will likely face, like floods, extreme weather, and property crimes.
  • Age: Older homes are more likely to need more frequent repairs and usually require more expensive materials.
  • Size: Generally speaking, larger homes pay higher home insurance rates.
  • Personal property: Having expensive collections, valuable jewelry, or high-end furniture can increase your home insurance rates.
  • Claims history: Like other types of insurance, you’ll likely pay more for a homeowners policy if you make frequent claims.
  • Condition: Having older electrical or plumbing systems in your home usually leads to higher rates because they increase your chances of needing to make a claim.

While many factors affect your rates, Allstate home insurance coverage tends to be on the higher end of the scale. If you’re trying to find how to get cheap homeowners insurance, make sure to compare rates with other companies – you’ll likely find lower rates elsewhere.

Allstate Home Insurance Discounts

Despite having high average rates, Allstate offers a variety of discounts to help you save. These include:

  • Policy bundling: Save on both policies when you purchase home and auto insurance from Allstate.
  • Claims-free: New customers without a recent claim from their previous provider can save up to 20% by switching to Allstate.
  • Early signing: You can also save up to 10% on a new Allstate policy if you sign up at least seven days before your previous coverage ends.
  • New home: Allstate gives a small discount if you’ve recently purchased a new home. Bigger savings are available if you buy a recently constructed home.
  • Responsible payment: Not only does paying your bills on time help you avoid your home insurance from being canceled, but you’ll also earn a discount.
  • Welcome and loyalty: You’ll earn a 10% discount when you sign up for an Allstate home insurance program, which will last as long as you remain a customer.
  • Easy Pay plan: Save 5% on your home insurance just by enrolling in automatic payments.
  • Protective device: You can keep the cost of your homeowners insurance down by keeping your home safe. Homes with safety features like alarms might be eligible for this discount.

As you can see, Allstate offers several discounts for new customers. Taking advantage of these discounts at the start of your policy is a great way to keep your costs as low as possible.

Allstate Life Insurance

Life insurance is one of the best ways to financially protect your family after your death. Allstate sells a variety of life insurance policies, including the following:

  • Term: Term life is the most popular type of insurance because it’s affordable and offers good death benefits. Allstate sells term life insurance in 10 to 40-year terms.
  • Whole: While more expensive, whole life insurance is a permanent plan you never have to worry about renewing. It also accumulates cash value over time.
  • Universal: Another permanent type of life insurance, universal policies have flexible premiums. You can adjust how much you want to contribute as long as you meet your minimum.
  • Variable universal: Variable universal life insurance plans allow you to invest your accumulated cash value.

The type of policy best suited for you depends on several factors. If you’re unsure which type would work best for you, an Allstate representative can help.

While each type of policy has its benefits, most people’s needs can be met with term life insurance. Term life offers a large amount of coverage for the most affordable rates and is ideal for new parents, newlyweds, or anyone with a mortgage.

Jeff Root Licensed Life Insurance Agent

Another thing to keep in mind about Allstate is that it doesn’t directly sell every type of insurance. If you purchase Allstate term life insurance, your policy will likely be written by Allstate. Any other type of insurance will be written and managed by one of Allstate’s partners.

Allstate Life Insurance Add-ons

Companies offer life insurance policy riders so you can customize your insurance and increase your coverage. When you shop at Allstate, you may be able to purchase the following add-ons:

  • Automatic premium loan provision: If, for any reason, you miss your monthly payment, Allstate will take a loan from your policy’s cash value instead of canceling your policy.
  • Term: You can add extra coverage to your policy for a specified period of time.
  • Accelerated death: This add-on allows you to access a portion of your death benefit to pay for medical expenses if you’re diagnosed with a terminal illness or need long-term care.
  • Accidental death: Your beneficiary will receive a larger payment if you die in an accident.
  • Waiver of premium: If you become disabled after a pre-specified age, this add-on guarantees that you won’t lose your life insurance, even if you can’t afford your premiums.
  • Guaranteed insurability: This add-on allows you to purchase additional coverage without resubmitting a medical exam.
  • Spouse and children: You can add term coverage for your spouse or children to your plan, which can be converted into a permanent policy later.

You’ll need to speak with an Allstate representative to see which riders are available in your area. Some add-ons aren’t sold in every state, and some are only eligible to be added to specific policies.

Other Types of Allstate Insurance

Aside from auto, home, and life insurance, there are several other Allstate insurance options to choose from. These include:

  • Motorcycle
  • ATV/off-road/snowmobile
  • Renters
  • Condo
  • Roadside assistance
  • Boat
  • Recreational vehicle (RV)
  • Landlord
  • Business
  • Classic cars
  • Identity protection
  • Phone protection
  • Personal umbrella
  • Pet
  • Event
  • Travel

While Allstate writes several of these policies, others are managed by partners. Regardless, Allstate guarantees you’ll receive the same service no matter who writes the policy.

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Allstate Insurance Reviews and Ratings

Unfortunately, despite being one of the largest providers in the country, Allstate is ranked the worst insurance company in America. However, that ranking is mainly by customer experiences – many third-party companies give Allstate excellent ratings.

For starters, A.M. Best rates companies on their financial strength, a vital indicator of whether they’ll be able to pay future claims. Allstate has a superior rating of A+, meaning you won’t have to worry about your claims going unpaid.

Another important rating is the National Association of Insurance Commissioners (NAIC). The NAIC rates companies on their size compared to the number of complaints they receive. The national average is 1.0, with higher ratings meaning the company receives more complaints. Allstate has a 2.70, indicating it receives more than double the number of complaints compared to other companies.

As for customer reviews, Allstate seems to have more unsatisfied customers than happy ones. A common complaint centers around Allstate’s high rates. Many customers also complain of rude customer service experiences.

On the positive side, customers often say that it’s easy to contact customer service through the Allstate insurance phone number. Others say that while rates are high, they enjoy the amount of services Allstate offers.

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Allstate earns its spot as one of the largest insurance companies in America by offering an extensive list of coverage types and discounts to help you save. However, Allstate insurance rates tend to be some of the highest on the market, and it doesn’t have the best reputation with its customers.

While Allstate is the right choice for some, you should compare rates and policy options with multiple companies before you decide. Allstate insurance options are impressive, but the hefty price tag might not be worth it.

Frequently Asked Questions

Does Allstate have expensive insurance rates?

Allstate insurance rates are typically some of the highest of any insurance company, especially for its home and auto policies. Allstate rates are usually the most expensive option for all demographics.

Is Allstate good at paying claims?

J.D. Power surveys drivers about their claims filing process, and Allstate ranks slightly above average. More customers report satisfaction with how quickly Allstate pays claims.

How does Allstate decide how much to charge for insurance?

Insurance companies look at the same factors when determining your rates, including your age, vehicle, driving history, location, and even your credit score. Allstate has particularly high rates for DUIs and at-fault accidents.

Does Allstate have a mobile app?

Yes, Allstate does have a mobile app. With it, you can manage your policy, start a claim, enroll in Drivewise, download proof of insurance, and request roadside assistance.

What is Milewise by Allstate?

Milewise is Allstate’s pay-per-mile insurance program. It’s ideal for people who drive fewer miles than the average driver. However, you’ll probably see higher rates if you are a heavy driver.

What is Drivewise by Allstate?

Drivewise is Allstate’s telematic insurance program, which you can enroll in using the app. Drivewise tracks your driving behaviors, including hard braking, rapid acceleration, and what time of day you drive. You can save up to 40% on your insurance if you consistently practice safe driving habits.

What types of insurance does Allstate sell?

The main types of insurance Allstate sells are auto, home, and life. It also sells a variety of policies, including pet, motorcycle, RV, and boat insurance.

Reviews
for allstate

4.00 (11,412 reviews)
3
June 20, 2023

EveC

Always lose arbitrations

I had gotten backed into. Have audio of it. Have video of her driving away with her damage and license. Have him on audio with his phone # and saying her name threatening if we call it into insurance. Allstate still lost the case and I'm out a deductible! In the 90's taxi ran stop sign police report said looked exactly like what happened and Allstate still lost that one too!!! Bye bye Allstate!
0.5
October 17, 2022

Valencia Harris

ALLSTATE INSURANCE

PLEASE DO NOT SUBJECT YOURSELF TO THIS HORRIFIC EXPERIENCE. I wish I had come to this site before made the HUGE mistake of switching my auto insurance and bundling it with Allstate. They were fine as my homeowner\'s plan. I switched my auto coverage in August trying to reduce my auto insurance due to the increase with my previous plan to save money. I paid my policy in full, was mistake #1, In October my Allstate coverage increased by 89.00, I ...
PLEASE DO NOT SUBJECT YOURSELF TO THIS HORRIFIC EXPERIENCE. I wish I had come to this site before made the HUGE mistake of switching my auto insurance and bundling it with Allstate. They were fine as my homeowner\'s plan. I switched my auto coverage in August trying to reduce my auto insurance due to the increase with my previous plan to save money. I paid my policy in full, was mistake #1, In October my Allstate coverage increased by 89.00, I called to get an explanation, to call this a customer service department would be a LIE! There was NO customer services at all, in fact speaking with Juan and Pat was like speaking with a child who had yet to learn how to comprehend, think or articulate. They simply read the document I had in hand to me as if I couldn\'t read even though I told them I have it, but it doesn\'t give an explanation of why the increase took place. The only response I received from either of them was insults Pat told me I could cancel my coverage as if she didn\'t care, Juan told me nothing. I am so disheartened cause I will need to start looking for other coverage and it seems like the staff these establishments are hiring are inept and inadequate they aren\'t able to function. They won\'t let you speak with a supervisor, one rattled paper in the phone to get me off of the phone. They ar enasty and purposely unhelpful, I wrote Allstste on line and never received a response from their customer service.
1
June 4, 2022

Keith_G__

As Discriminatory As You Can Possibly Get

My wife worked at one of Allstate's satellite offices. I proposed to her over the weekend. On Monday, her boss fired her after showing her ring off to a coworker. He took her into his office and explained she was being fired because he "believed in the Bible." My wife and I called Allstate HR at the corporate office and told them what had happened and they told us that because my wife worked at a satellite office, which were owned and run by indi...
My wife worked at one of Allstate's satellite offices. I proposed to her over the weekend. On Monday, her boss fired her after showing her ring off to a coworker. He took her into his office and explained she was being fired because he "believed in the Bible." My wife and I called Allstate HR at the corporate office and told them what had happened and they told us that because my wife worked at a satellite office, which were owned and run by individual people, those satellite offices could be run however they wanted and none of AllStates corporate protections applied. They basically said 'too bad so sad.' A little while later, before we'd had a chance to switch insurance companies yet (a long and tedious process) I got into a car accident. The other driver ran a red light, hitting me and I was sent to the hospital. I'm a transgender man and was literally about to change my legal name within a few days. I called Allstate to file the claim and asked that they use my new legal name. They said they couldn't because it wouldn't be official for a few days. I said 'fine, I'll call back in a few days." They then threatened me and told me if I didn't file "RIGHT NOW" they wouldn't take care of my claim. I was then forced to give my statement while being deadnamed and misgendered the entire time. Believe it or not this story it gets worse. So months go by. MONTHS. The insurance that was paying for a rental car runs out. I still have no reimebursment so I cannot buy a new car (mine was totaled.) I'm bein harassed by the bank over my car note, which obviously I wasn't paying since my car was totaled and Allstate was SUPPOSED to reimburse me for nearly everything. I had excellent coverage and excellent credit. I'm in constant contact with them. E-mails, phone calls, more e-mail, more phone calls. Every. Single. Day. And they will not give me the money. Excuse after excuse, and I'm deadnamed and misgendered every single time. Even though now my legal name has changed, they insisted on putting my dead name and wrong gender on the original report. So now people are VERY confused when they talk to me, hearing my deep masculine voice and seeing my pretty feminine name on paper. THANKS ALLSTATE! I was humiliated, endlessly, every day for over NINE MONTHS. Meanwhile, my wife is driving me to and from work because the insurance covering the rental car ran out months ago. My credit is being destroyed because I have no insurance money to buy a new car or pay the bank for the old car fee with, and I'm still recovering physically from the crash. I end up getting a lawyer and I told them "give me my money you've owed me for over 9 months now by tomorrow or I'm suing you." Magically, the next day, all the money was released. Allstate put me through a [REDACTED WORD] I cannot describe properly on this complaint. I never imagined in all my life how much hardship and hurt an insurance company could truly cause. Stay away. Far FAR away.
1
February 15, 2022

brenda_trammell

RUDE CUSTOMER SERVICE AND SCAMMERS!!!

worse insurance EVER !!! STAY AWAY !!!and i have had a few RUDE CUSTOMER SERVICE AND SCAMMERS MY PAYMENT FOR THE MONTH WAS A 100.00 MORE AND 1ST CS PERSON TRY TO TELL ME OVER SOME PAPER WORK THAT I GOT AND DIDNT SIGN, NEVER HAPPEN!! AND THE STUPID LADY I TALK TO NEXT TOLD ME IT WENT UP FOR TALKING IT OFF OF AUTO PAY WTH [REDACTED]
1
February 11, 2022

Akiraw1_

The worst insurance ever

Absolutely the worst insurance company ever complete liars scammers and they charge a ridiculous price….Liberty mutual is the best route if you ask me
1
January 6, 2022

pirish101

Way overpriced! Will scam you if you cancel!

After shopping around I found a policy that was 1/3 the cost (Literally 1/3 the cost) and cancelled. After canceling I was charged 30% of the yearly fee after only having insurance for 13 days. Total scam hidden in the fine print.
1
January 2, 2022

Carolyn0022

Untrained and Ignorant CS Team and Managers

All the customer service reps and their managers are ignorant. They will have me scenarios on how they are not liable for the damages. I called many times and talked with many people there. All are stupid and unhelpful!! Stay away
1
December 17, 2021

Allstate_Sucks_in_CA

Allstate SUCKS

Horrible experience! I've been with Allstate 18 years, time to change companies, they suck. Filed an auto claim 5 months ago, car has yet to be repaired. Allstate has provided every excuse from repair shop isn't listed as preferred supplier, even though Allstate provided me with the shop contacts to billing issues with subcontractors with the shop. Now I'm told the estimate that was done 2 months ago wasn't done correctly and another adjuster has...
Horrible experience! I've been with Allstate 18 years, time to change companies, they suck. Filed an auto claim 5 months ago, car has yet to be repaired. Allstate has provided every excuse from repair shop isn't listed as preferred supplier, even though Allstate provided me with the shop contacts to billing issues with subcontractors with the shop. Now I'm told the estimate that was done 2 months ago wasn't done correctly and another adjuster has to look at it. Funny, Allstate knows how to cash my check every month. Too many insurance companies out there to pay for crap experiences like this, go someplace else.
3
August 9, 2021

Shaytys50_

Unprofessional Agent

My experience with the agent that handled my uninsured Motorist bodily injury claim. The Agent was very rude, she was very unprofessional, I was in a bad accident on 4-22-2021, I wasn’t the cause of the accident. Someone hit me while I was sitting at a red light. Hit me from the back. And the driver drove off, so I reported the accident to My!!! Insurance Company!!! Allstate! I been A Customer of Allstate for over 8 years! And the way I was t...
My experience with the agent that handled my uninsured Motorist bodily injury claim. The Agent was very rude, she was very unprofessional, I was in a bad accident on 4-22-2021, I wasn’t the cause of the accident. Someone hit me while I was sitting at a red light. Hit me from the back. And the driver drove off, so I reported the accident to My!!! Insurance Company!!! Allstate! I been A Customer of Allstate for over 8 years! And the way I was treated by the one Agent! She has know customer service skills. Her name is [REDACTED NAME].
2
July 6, 2021

rickcf

Need to watch them and Drivewise is a scam.

In my experience Drivewise is a scam and the tech I spoke to a few weeks ago said it was broke but I 'should not uninstall it.'. It was ok years ago then they changed the programming that suddenly created false driving events on all 3 of my vehicles. Every trip, even driving my farm truck on my property started giving hard braking events. Then they remove the ability to get rid of those false reports on their website. So I had to use the pho...
In my experience Drivewise is a scam and the tech I spoke to a few weeks ago said it was broke but I 'should not uninstall it.'. It was ok years ago then they changed the programming that suddenly created false driving events on all 3 of my vehicles. Every trip, even driving my farm truck on my property started giving hard braking events. Then they remove the ability to get rid of those false reports on their website. So I had to use the phone app. But in the past year+ the phone app now hangs and crashes so you can't even do anything with it, worthless. My drivewise 'rewards' is very low if anything at all and our car rates are going up. We will be looking at other insurance again. We had allstate 15 years ago and dropped them because they raised the rates slowly over the competition and I will check to see if they are doing it again.
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