Key Takeaways
- Allstate’s insurance premiums are higher than average.
- The insurance rates differ depending on the kind of coverage you choose.
- Discounts can reduce premium costs.
- Customer service and efficient claim handling can make Allstate insurance a great option.
Before buying car insurance, it is essential that you carefully consider all the terms and conditions, premium cost, and coverage. An excellent policy that doesn’t meet your unique requirements is just as helpful as an inadequate one.
Allstate insurance policies have higher-than-average premium rates that may not be suitable for every car owner. Thus it is essential to consider all benefits before choosing the policy.
Does Allstate Have Cheap Car Insurance?
Let’s get into the Allstate premium rates before discussing some benefits that might make it a good investment. Allstate insurance rates are around 29% higher than the national average. Compared to other companies like Geico and USAA, Allstate isn’t a cheap option.
The benefits offered by the company might outweigh its cost, which is why more people are opting for its policy every year. However, Allstate’s average rate of $2,047 is much higher than any of the current insurance rates in the country.
It is impossible to estimate your rate based on our research, so do your own and ask the company to provide you with a quote. However, if the average is nowhere near your expectations, perhaps you should keep searching.
Allstate Car Insurance Rates
The table below compares some common car owners and the average rate provided by Allstate. Study the car insurance rates below and find your category. Match it to your budget and figure out if it’s a reach.
|
Driver |
Allstate Rates |
|
Teen Driver |
$6,607 |
|
Adults |
$1,980 |
|
Senior Driver |
$1,850 |
You should also note that car insurance rates increase depending on violations. Thus, if you have speeding tickets, DUIs, and accidents in your past, you might get a much more expensive premium.
Luckily, you can get much better rates by opting for many discounts Allstate offers. These include discounts on a new car, bundling policies, being an accomplished student, protecting your car through anti-theft locks, or early premium payment.
Click here for more information on Allstate’s policies and how to apply.
Why Get Allstate Insurance?
Despite the higher rates, many people choose to apply for Allstate insurance for the benefits provided. These include;
Excellent Customer Service
Allstate might lack in affordability, but it makes that up with some of the best reviews for customer service. Most claims are dealt with in due time, and the round-the-clock service makes it easier for customers to contact Allstate for emergency queries.
Ratings
A car insurance company is only as good as its ratings—the better the reviews, the better the company. Customers report sticking with the policy for a long time as their claims were dealt with in time, queries were answered in-depth, and concerns were addressed.
The Drawbacks of Allstate Insurance
Investing in Allstate insurance is a great decision for car owners who can pay the expensive premium. Sure, the benefits it offers might not be included in other policies. Yet, it may not fit your budget.
Click here to learn more about choosing between quotes and applying for car insurance today.
Car insurance should be dealt with in due time, preferably right after buying your first car. The earlier you make that decision, the better it is for your car and safety. If Allstate’s insurance rates don’t meet your requirements, you can find plenty more fish in the sea! Keep looking.
Updated February 14, 2023