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Dive into our analysis of 6,439 verified Allstate reviews across auto, home, renters, and more. Discover common complaints like claims denials and rate hikes, plus rare positives. We compare ratings and recommend top alternatives for better coverage and service.
Quick Pick: Our Top Recommendation
Skip the headaches—check out the Best Auto Insurance options for reliable coverage without the drama. These picks prioritize customer satisfaction and fair pricing.
Allstate Insurance has been a household name in personal insurance for decades, offering policies for auto, home, renters, motorcycle, boat, business, and life coverage. But with an average rating hovering around 1.3 out of 5 stars from over 6,439 customer reviews, many buyers are voicing serious concerns. In this Review Atlas deep dive, we'll break down the data, highlight patterns in feedback, and provide actionable advice to help you decide if Allstate is right for you—or if it's time to explore better alternatives.
We'll analyze reviews by policy type, share pros and cons backed by specific buyer experiences, and include a comparison table to put Allstate's performance in context. Whether you're shopping for car insurance or protecting your home, understanding these insights can save you time, money, and frustration.
Founded in 1931 and based in Northbrook, Illinois, Allstate is one of the largest personal lines insurers in the U.S. They operate through about 12,000 exclusive agents across nearly 10,000 locations, plus independent agencies and online/phone options. Policies cover everything from standard auto and homeowners to niche areas like motorcycle and boat insurance.
Key stats from recent data:
While Allstate boasts a vast network, customer sentiment paints a picture of inconsistency, especially in claims handling and pricing.
Check the detailed Allstate Auto Insurance Review 2024 for costs, coverage options, and more specifics.
Buyers frequently mention four major pain points: claims denials, unexpected premium increases, subpar customer service, and policy cancellations. Positive notes are scarce but do exist, often praising quick claims for minor incidents.
Over half of reviews focus on auto policies. Common gripes include:
Pros:
Cons:
Homeowners report premium spikes without justification, while renters cite coverage gaps during claims.
Pros:
Cons:
Only 6% of all reviews hit 5 stars, typically for seamless minor claims.
Here's how Allstate stacks up based on aggregated ratings and key metrics. (Note: Benchmarks from top-rated providers; see our Best Auto Insurance guide for leaders.)
| Metric | Allstate | Industry Avg. | Top Alternatives (e.g., via our Best Lists) |
|---|---|---|---|
| Overall Rating (out of 5) | 1.3 | 3.8 | 4.5+ |
| BBB Grade | B | A- | A |
| Customer Service Score | 1.2/5 | 4.0/5 | 4.7/5 |
| Claims Approval Rate | ~60% (reported) | 85% | 92%+ |
| Premium Increase Complaints | High (35%) | Low (10%) | Minimal |
| Response to Reviews | 85% in 48 hrs | 70% | 95% |
Allstate lags in core areas like satisfaction and claims efficiency. For superior options, explore Best Life Insurance or Best Extended Auto Warranty Services.
Overall Pros:
Overall Cons:
Our Take: Allstate suits those needing local agents and basic bundling, but high-risk buyers or those prioritizing claims ease should look elsewhere. Average annual auto premium: $2,100+ (15% above avg.).
See full details in our Allstate Auto Insurance Review 2024.
Pro Tip: Always compare quotes. Use tools from our Best Auto Insurance roundup to benchmark.
Around 1.3 out of 5 stars based on 6,439 reviews, with issues in claims and pricing dominating.
Buyers report denials even in clear-fault scenarios, contributing to 40% of negative auto feedback.
They're 15-20% higher than average, with frequent unexplained hikes up to 300%.
Yes, up to 25% for multi-policies like auto + home—check Best Auto Insurance for similar deals elsewhere.
Low at 1.2/5, with long holds, but they respond to 85% of online negatives quickly.
Armed with these insights, shop smarter. Prioritize providers with 4+ star ratings for peace of mind.
