Affordable Allstate insurance offers home and auto coverage options with add-ons like yard and garden coverage and energy-efficient upgrades. The company scores highly in home and car insurance affordability, customer service and financial stability. It also has a variety of discounts and innovative tools such as Drivewise and Milewise, which can significantly decrease your insurance premiums.

Allstate offers a basic auto policy that includes liability, collision and comprehensive coverage with optional extras such as roadside assistance, new car replacement and deductible gap insurance. It also has specialized coverage options such as classic car and rideshare insurance. In addition, Allstate is the only insurer we reviewed to offer a comprehensive, no-fault deductible program, which eliminates the need for disputed liability and reduces the chances of a lawsuit.

Allstate Life Policy Pros and Cons: A Clear Overview

While the average Allstate auto insurance rate is high compared to competitors, Allstate offers many ways to save on your policy. For example, the company gives new and multipolicy customers a discount, and it has an accident forgiveness policy that keeps your rates from increasing after a single at-fault accident. It also has a Deductible Rewards program that takes $100 off your collision deductible each year after you sign up and another $100 off each year for good driving behavior.

While Allstate’s overall satisfaction rating for its home and car insurance is below average, the company earns top marks in some key categories, including the number of complaints it receives to state regulators relative to its size. It is also one of the only insurers to offer a no-fault deductible program, which can significantly lower your costs. Allstate also has a mobile app that makes it easy to file a claim and access your policy information. Its website offers a helpful breakdown of how your deductible and other factors impact your auto insurance rates.