Allstate Car Insurance Review 2026
Allstate is best known for accident forgiveness and the Drivewise telematics program (up to 40% savings). Rates are above average but coverage options and agent support are strong.
Pros and Cons
- Accident forgiveness program (automatic after 5 years)
- Drivewise telematics saves up to 40% (highest in industry)
- Broad coverage options and add-ons
- Strong local agent network
- New car replacement coverage available
- Milewise pay-per-mile option for low-mileage drivers
- Above-average base rates ($2,971 vs $2,697 national avg)
- NAIC complaint index of 1.52 (highest among major insurers)
- Some features cost extra (accident forgiveness, gap)
- J.D. Power satisfaction score 821/1000 (below avg)
Allstate Rates by Driver Profile
| Driver Profile | Avg Annual Premium | vs National Avg |
|---|---|---|
| Clean record, age 35 | $2,971/yr | 10% above avg |
| One at-fault accident | $3,800/yr | Above avg |
| Young driver (age 20) | $3,800/yr | Above avg |
| Senior (age 65) | $2,200/yr | Near avg |
| After DUI | $4,600/yr | Above avg |
Accident Forgiveness: What You Need to Know
Earned for free after 5+ years with Allstate without any accidents or violations. Protects against rate increase after first at-fault accident.
Available immediately for an additional monthly premium. Covers your first at-fault accident with no rate increase.
Who Should Choose Allstate?
- Drivers wanting accident forgiveness protection
- Safe drivers who will earn Drivewise discounts
- Low-mileage drivers (Milewise pay-per-mile)
- Drivers wanting maximum coverage options
- Pure price shoppers (above-average base rates)
- Drivers after a DUI (Progressive is better)
- Drivers who prioritize claims service ratings
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Frequently Asked Questions
How does Allstate accident forgiveness work?
Allstate offers two types of accident forgiveness. Automatic accident forgiveness is earned by qualifying customers after 5+ years with Allstate without any accidents or violations. This is applied automatically at no charge. Purchased accident forgiveness can be added to your policy immediately for an additional premium. It covers your first at-fault accident without a rate increase. The forgiveness applies once per policy period, and your record still shows the accident to other insurers.
What is Allstate Drivewise and how much does it save?
Allstate Drivewise is a telematics program that uses a mobile app to track driving behavior. It monitors hard braking, speeding, time of day, and phone use while driving. Drivewise offers the highest potential discount of any major insurer at up to 40% off. Most drivers earn 10-25% discounts. Unlike some telematics programs, Drivewise cannot increase your premium; it can only provide savings or no discount. New enrollees get an immediate reward just for signing up.
Is Allstate more expensive than other insurers?
Yes, Allstate's base rates are above average. At $2,971 per year for full coverage compared to the national average of $2,697, Allstate costs approximately 10% more than average. However, the Drivewise telematics program can offset this with up to 40% savings. Drivers who earn significant Drivewise discounts and use accident forgiveness may find Allstate very competitive on a total cost basis over time.