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Last Updated on January 26, 2026
Allstate is a major property and casualty insurer that sells auto insurance in all 50 states and Washington, D.C. (with separate operations in Canada). Founded in 1931 and originally launched through Sears, Allstate became an independent, publicly traded company in the 1990s. Today, it’s best known for its large agent network, strong digital tools, and a wide menu of optional coverages.
Allstate can be a good fit if you want lots of customization (add-ons like accident forgiveness and pay-per-mile insurance) and you value a big-name insurer with multiple ways to buy and manage a policy. The biggest downside is that Allstate often prices above some competitors for many driver profiles—so comparing quotes is essential.
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Bottom line: Allstate offers broad coverage and strong agent support, but premiums can be higher than average for some drivers.
Allstate Auto Insurance provides a wide range of standard and optional coverages, along with multiple discount opportunities and both agent-led and digital service options. While its nationwide reach and policy flexibility appeal to many drivers, pricing may not be as competitive as some regional or direct-to-consumer insurers.
Allstate offers the core coverages you’d expect from a large insurer, plus a long list of optional add-ons. Your exact options depend on your state, vehicle, and policy setup.
Allstate also offers a variety of add-ons that can make a policy more “complete,” especially if you drive a newer car, commute often, or want extra convenience.
Allstate offers the benefits you’d expect from a large insurer—multiple ways to buy coverage, lots of policy add-ons, and strong digital tools. But Allstate’s biggest differentiators tend to be its usage-based and pay-per-mile options, plus the overall “menu” of optional coverages available in many states.
Allstate’s telematics program is Drivewise. Depending on your state, you may earn savings (or rewards) by enrolling and driving safely. Learn how it works here: Drivewise.
If you drive far less than average (remote work, short commutes, second car, retirees), Allstate’s Milewise product may be worth a look. With pay-per-mile insurance, your costs can better match your actual driving. Here’s our deep dive: Milewise.
Privacy note: Telematics programs collect driving-related data. If you’re considering Drivewise or Milewise, review the program terms and privacy policy so you’re comfortable with what’s collected and how it’s used.
Allstate pricing varies significantly by state and driver profile. In many analyses, Allstate trends higher than some competitors for “average” drivers—but discounts, bundling, and telematics options can narrow the gap (or make Allstate competitive for certain people).
To keep this article evergreen: focus less on any single “average premium” number and more on what drives your quote—your location, driving history, age, vehicle, annual mileage, coverage limits, and deductibles. Even two drivers in the same ZIP code can get very different rates.
Allstate generally offers a smooth policy-management experience with online account tools, a mobile app, and multiple ways to file and track claims. Claims satisfaction can vary by region and by the type of claim, so it’s smart to check local feedback (and compare quotes and coverage details side-by-side).
For third-party benchmarking, J.D. Power’s auto insurance rankings are a helpful reference because they compare carriers across regions and categories like price, service, and digital experience.
Financial strength ratings matter, too—especially if you want confidence that an insurer can pay claims at scale. Learn more about what these grades mean here: A.M. Best ratings.
Allstate is a strong, flexible insurer with lots of coverage options and nationwide availability. If you like the idea of Drivewise or a pay-per-mile option, or you plan to bundle multiple policies, Allstate is worth a quote. But because pricing is often higher than some competitors for many drivers, it’s smart to compare several carriers at the same coverage limits before you buy.
Need to reach Allstate? Start with the basics below, then confirm the best number for your policy and state. You can also find more options here: Allstate customer service contact information.
