Allstate Car Insurance Review: A 4.3 out of 5 stars looks great on paper, but does it mean Allstate is the right insurer for you in 2025? In this in-depth review, I break down what that score actually reflects, highlighting where Allstate shines and where it stumbles, and guide whether the rating justifies choosing (or keeping) Allstate for your car insurance.
Table of Contents
Who is Allstate? A quick background
Allstate is one of the largest U.S. personal-lines insurers and a familiar brand on TV and in local communities. It sells nationwide through local agents, direct channels, and increasingly through digital tools and telematics programs. That scale brings widespread availability, a broad range of coverages, and an extensive discount menu, but also operational complexity that sometimes shows up in customer experience.
What the 4.3/5 rating measures
Consumer aggregate star scores (the 4.3/5 figure you’ll see on many comparison sites) typically combine user reviews, ease of buying, price perceptions, and overall satisfaction. Those scores are useful as a first filter — they reflect many customers’ overall impressions — but they don’t always parse claims handling, price for your profile, or state-by-state availability. That’s important because the experience of one policyholder (e.g., a long-time customer with a clean driving record) can be very different from another (e.g., a driver filing an accident claim).
Pricing: Is it expensive?
The short answer is often higher than average, but the variation is significant by driver profile and location.
- Data studies show Allstate’s average full-coverage premiums tend to sit above the national average. For example, industry price studies have shown Allstate’s average full-coverage premiums to be higher than many competitors, with significant variation depending on driving record and the coverage level selected. If you’re a high-risk driver or choose rich coverage, your Allstate bill can be substantially higher than the national mean.
What to do: get a personalised quote. National averages are helpful context, but the only price that matters is the one it gives you after underwriting.
Coverage options and discounts plenty of tools
It offers a broad set of standard coverages (liability, collision, comprehensive, uninsured motorist, medical payments) and some add-ons like rideshare coverage, new car replacement, and roadside assistance. It also runs telematics programs and usage-based discounts that can lower premiums for safe drivers. If you’re an experienced driver who wants lots of bells and whistles and local agent access, Allstate’s menu is attractive.
Common discounts to look for:
- Multi-policy (home + auto)
- Safe driver / accident-free
- Good student
- Multiple vehicles
- Pay-in-full / auto-pay
- Telematics / safe driving program
Conclusion
A 4.3/5 rating is a meaningful indicator that Allstate is a solid, mainstream insurer — financially stable, feature-rich, and generally well-liked by many customers. But the rating masks important differences in claims experience and price that affect the real value you’ll receive. If you prioritise agent access, coverage flexibility, and can take advantage of discounts or telematics, Allstate can be an excellent choice. If your primary concern is top-tier claims service or the lowest possible premium for a high-risk profile, some competitors may beat Allstate in practice.
So: Yes — the 4.3/5 can be worth it for many drivers, but it’s not a universal green light. Treat the score as a starting point — then get personalised quotes and dig into regional claims feedback and telematics/privacy policies before you decide.
Bhakti Rawat is a Founder & Writer of InsureMyCar360.com. This site Provides You with Information Related To the Best Auto Insurance Updates & comparisons. 🔗