Allstate

Overview

Allstate has built a brand around its exclusive agent network and a heavy, memorable marketing presence (the Mayhem campaign among others), positioning itself as a full-service insurer for people who want a relationship, not just a policy number. That positioning shows up in the product lineup: Allstate offers one of the more extensive menus of optional coverage in the industry, including accident forgiveness, new car replacement, and other add-ons that let customers tailor a policy fairly precisely. The tradeoff most commonly cited in independent rate comparisons and reviews is cost — Allstate frequently lands toward the pricier end among major national carriers, a pattern many attribute to the expense of supporting its large agent network and marketing budget. Customers also commonly report rate increases following a claim, which is a fairly universal industry practice but one Allstate policyholders mention often enough to be worth flagging. Its Drivewise telematics program offers a path to real savings for safe drivers, and the overall digital experience has improved over the years, even if it doesn't feel as modern as some direct-first competitors. Allstate suits drivers who want a local agent and a lot of customization and are willing to pay something of a premium for it.