Allstate's suite of loyalty and telematics features — Drivewise, accident forgiveness, and Deductible Rewards — sets it apart for long-term policyholders who drive safely. National average premiums run higher than GEICO and State Farm, but these programs can meaningfully offset costs over time.
⚠ California Homeowners Availability Limited
Allstate writes auto insurance in all 50 states and D.C. Homeowners insurance availability varies — new business is severely limited in California, and rate increases have occurred in Florida, Louisiana, and Colorado. Drivewise telematics is available in most states. Confirm homeowners availability in wildfire-prone or hurricane-prone states before starting an application.
Availability varies by state. Verify with your Allstate agent.
Drivewise Telematics
Monitor your driving via the Allstate app. Earn up to 25% discount based on safe driving habits. Tracks braking, speed, time of day, and phone use. Discount cannot increase your base rate in most states.
Accident Forgiveness
Your first at-fault accident does not raise your rate. Earned automatically after 5 claim-free years with Allstate, or purchasable as an add-on for eligible customers.
Deductible Rewards
Your collision deductible drops by $100 for every claim-free year, up to $500 total. Automatically applied to eligible policies — no separate purchase needed.
Milewise Pay-Per-Mile
A pay-per-mile option available in select states. Ideal for low-mileage drivers (under 10,000 miles/year). Base daily rate plus a per-mile charge. Available in approximately 20 states.
Allstate's NAIC Complaint Index of 0.93 is near the industry average of 1.0, suggesting complaint volume is roughly proportional to market size. Its J.D. Power auto satisfaction score of 824 is above the industry average, indicating generally positive customer experience. Allstate offers several claim-filing options: online portal, mobile app, local agent, or phone. Allstate maintains a network of preferred repair shops (Good Hands Repair Network) but allows use of independent shops with appropriate documentation.
ℹ Allstate Claims Filing Options
Allstate Corporation carries an AM Best A+ (Superior) rating, indicating an excellent ability to meet policyholder obligations. As a publicly traded company (NYSE: ALL), Allstate is one of the largest publicly held property-casualty insurers in the U.S. with approximately $73 billion in total assets (estimated from 2025 annual data). The A+ rating is one step below the A++ held by State Farm, GEICO, and USAA, but remains an excellent indicator of financial stability for consumer insurance purposes.
Local Allstate Agents
Network of exclusive Allstate agents in most communities
Phone (24/7 Claims)
1-800-ALLSTATE for claim reporting, any time
Allstate Mobile App
Claims, Drivewise monitoring, digital ID, payments
Online Account Portal
Policy changes, billing, coverage review at allstate.com
Live Chat
Available on website and app for service and sales inquiries
Allstate's Milewise program is a pay-per-mile auto insurance option available in approximately 20 states. It charges a daily base rate plus a per-mile fee, making it highly cost-effective for drivers who use their vehicle infrequently. Who benefits most from Milewise:
Milewise uses a plug-in device to track mileage. Billing is monthly and based on actual miles driven plus the daily rate. High-mileage months don't eliminate the per-day savings structure. Milewise is not available in all states — confirm availability at allstate.com/milewise.
| Company | AM Best | J.D. Power | NAIC | Best For |
|---|---|---|---|---|
| Allstate | A+ | 824 | 0.93 | Accident forgiveness, loyalty rewards, telematics |
| State Farm | A++ | 829 | 0.52 | Agent service, best NAIC, young drivers |
| GEICO | A++ | 821 | 0.97 | Lowest premiums for clean-record drivers |
| Progressive | A+ | 794 | 0.85 | High-risk drivers, SR-22, Snapshot |
| USAA* | A++ | 884 | 0.41 | Military/veterans only |
* USAA ineligible for official J.D. Power ranking. All scores approximate, April 2026.
Better overall pricing and NAIC complaint ratio; similarly broad agent network.
Lower average premiums for standard drivers; fully digital service model.
Better telematics alternative (Snapshot) with higher potential savings ceiling.
Allstate is the second-largest homeowners insurer in the U.S. by premium volume (after State Farm). Key homeowners coverage features:
Claim RateGuard
After filing a claim, your rate won't automatically go up — if you remain claim-free for the following year.
Yard and Garden Coverage
Optional coverage for landscaping, trees, and outdoor property damaged by covered perils.
Green Improvement Reimbursement
If a covered loss requires rebuilding, Allstate reimburses the cost premium for eco-friendly building materials.
Personal Umbrella Policy
Allstate umbrella policies add $1M–$5M in liability coverage above your homeowners and auto limits.
Identity Theft Restoration
Add-on coverage for expenses related to restoring your identity after theft.
California Restriction
New homeowners policies severely limited in California since 2022. Existing CA policyholders should verify renewal availability.
Allstate's New Car Replacement coverage pays for a brand-new car of the same make and model if your vehicle is totaled within the first two model years. This is particularly valuable because a new vehicle can lose 20–30% of its value in the first year — meaning a standard collision claim would pay you significantly less than what you paid. Key details:
Drivewise is Allstate's usage-based insurance (UBI) program that tracks driving behavior via the Allstate mobile app. It monitors speed, braking habits, time of day driving, phone use while driving, and miles driven. Drivers receive a discount of 10–25% (varies by state) simply for enrolling. At each 6-month renewal, your rate is adjusted based on your driving score — improved driving is rewarded with additional discounts, while poor scores may result in higher rates. Unlike some telematics programs, Allstate's Drivewise discount cannot increase your base rate in most states — it can only reduce it. Check your state's terms when enrolling.
Allstate's Accident Forgiveness prevents your first at-fault accident from raising your auto insurance rate. There are two ways to obtain it: (1) Earn it — after maintaining an accident-free record with Allstate for 5 years, accident forgiveness is automatically added to your policy at no extra cost; (2) Purchase it — if you don't want to wait 5 years, Allstate offers a purchasable accident forgiveness add-on. Each policy can have accident forgiveness applied only once, and it applies per-policyholder. If you already have an accident on your record and are shopping Allstate, you won't qualify for accident forgiveness until the prior accident ages off.
The Deductible Rewards program reduces your collision deductible by $100 for each claim-free year you're with Allstate, up to a maximum reduction of $500. For example, if your collision deductible is $1,000 and you go 5 consecutive years without a collision claim, your effective deductible drops to $500 at no additional cost. This is a loyalty-based benefit that rewards long-term claim-free policyholders. The deductible returns to its original amount after a collision claim is filed. This feature is automatically included on eligible policies — no separate purchase required.
Allstate significantly reduced its new homeowners policy business in California starting in 2022, citing wildfire risk exposure and rising reinsurance costs. As of early 2026, Allstate is writing very limited new homeowners policies in California, and rate increases for existing policyholders have been substantial. California auto insurance from Allstate remains available for new customers. If you're a California homeowner shopping for coverage, we recommend getting quotes from multiple carriers and considering California FAIR Plan coverage if standard market options are unavailable or unaffordable.
On average nationally, Allstate's premiums tend to be higher than both GEICO and State Farm for equivalent coverage. Allstate's average 6-month premium for full auto coverage is roughly $883 versus GEICO at approximately $698 and State Farm at around $742 (all national averages, estimates only). However, Allstate's pricing is competitive in specific markets and risk profiles — particularly for drivers who qualify for Drivewise discounts, accident forgiveness policyholders, and long-tenure customers using Deductible Rewards. Always get a personalized quote before assuming Allstate is more expensive in your specific situation.
💡 Maximize Allstate's Loyalty Programs
Jennifer Walsh
Editorial Lead, Property & Casualty
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed May 2026
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This site provides general educational information only and is not a substitute for professional insurance advice. All rates, data, and coverage details are estimates and may not reflect your actual premiums. Insurance availability and pricing vary by state, insurer, and individual risk factors. Always consult a licensed insurance professional in your state before making coverage decisions.