Compare Home, Renters, and Auto Insurance Rates in Minutes
Allstate's financial ratings indicate the insurance company's ability to meet its financial obligations. Here's an overview of what several agencies have to say about Allstate's financial standing.
An AM Best rating measures a company's financial stability, with A++ being the highest rating possible. Allstate's A+ rating indicates the company has a stable financial future.
Though the highest S&P rating is AAA, Allstate's rating of AA- indicates that the company has a high ability to pay back debts.
With plenty of coverage options, generous perks, and an easy-to-file claims process, Allstate is worth considering as your insurance provider.
Allstate's A+ rating is the highest rating BBB gives, which shows that most customers are satisfied with the service they receive.
After partnering up with GatherUp to capture customer experience data, Allstate saw a surge in Google reviews. Over time, the company has received numerous positive reviews for making changes to meet customer expectations.
J. D. Power rates companies solely on customer satisfaction levels. With an average J.D. Power rating of 3/5, Allstate's ratings are okay, but there's still room for improvement.
Consumer Reports ranks companies based on customer satisfaction. Allstate scores well in many categories, gaining an overall score of 88.
When compared to other insurance companies, Allstate receives fewer complaints from Texas residents on average than many companies of its size.
Founded in 1931 by Sears Roebuck, Allstate is one of the nation's largest insurance providers. What does Allstate do? The company started by selling auto insurance, and in the 1950s, expanded to selling life, health, and commercial insurance. Allstate's net worth as of 2021 is about $35B.
According to the Texas Department of Insurance (TDI), Allstate's 2019 market share for homeowners insurance in Texas was 7.95% (Allstate Vehicle and Property Insurance Company), 3.24 % (Allstate Texas Lloyd's), and 1.17% (Allstate Fire and Casualty Insurance Company).
Allstate takes pride in giving back to the community through the Allstate Foundation, which focuses on:
The type and amount of Allstate homeowners insurance coverage you need will depend on factors such as your home's location, size, and amenities. That said, Allstate home insurance costs in Texas ranges from about $1,102 to $3,198.
While the company has strong customer reviews, Allstate quotes home insurance at slightly higher rates than competitors.
The average Allstate insurance cost per month in Texas is $276.16.
With its wide range of coverage options, competitive rates, and easy-to-use mobile app, Allstate home insurance offers good value for money. If you're looking for a large insurance company that can handle both your car and homeowners insurance policies, Allstate might be worth considering.
| City | Average Annual Allstate Homeowner Insurance Rate |
|---|---|
| Houston | $1678 |
| Dallas | $2019 |
| Fort Worth | $3189 |
| San Antonio | $1434 |
| Austin | $1108 |
| Mckinney | $1444 |
| Edinburg | $1102 |
| El Paso | $1386 |
| Denton | $2018 |
| Richmond | $1853 |
| Conroe | $1567 |
| Georgetown | $1709 |
| Belton | $1248 |
| Lubbock | $2262 |
| Laredo | $1310 |
| Waco | $1394 |
An Allstate homeowners insurance typically covers:
You may also choose to purchase additional coverage, such as musical instruments insurance, yard and garden insurance, and more for greater protection.
With plenty of options for customization, discounts, and highly rated customer service, Allstate homeowners insurance is worth considering.
A typical homeowners policy provides financial protection against loss due to disasters, theft, and accidents.
Allstate offers several discounts. Some of their more popular programs include their:
Rather than simply get a quote online, it's a good idea to talk to an Allstate agent.
Here are some tips on how you may be able to lower your Allstate insurance:
If you're a member of Allstate's Safe Driving Bonus program, you will earn a bonus for every six months you are accident-free.
If you're an AARP member, you'll receive an exclusive discount that can save you up to 20% on annual membership fees for Allstate's Roadside assistance plan.
Allstate full coverage costs in Texas average around $374 per month, while minimum coverage runs closer to $116.
| Named Peril | Allstate Basic Form Coverage HO-A (H0-1) | Allstate Broad Form Coverage HO-A+ (HO-2) | Allstate Special Form Coverage HO-B (HO-3) |
| Fire | Yes | Yes | Yes |
| Lightning | Yes | Yes | Yes |
| Riot and Civil Commotion | Yes | Yes | Yes |
| Explosions | Yes | Yes | Yes |
| Wind and Hail | Yes | Yes | Yes |
| Smoke | Yes | Yes | Yes |
| Sprinkler Leak | Yes | Yes | Yes |
| Sinkhole Collapse | Yes | Yes | Yes |
| Volcano | Yes | Yes | Yes |
| Vehicles and Aircraft | Yes | Yes | Yes |
| Vandalism | Yes | Yes | Yes |
| Water Damage | No | Yes | Yes |
| Weight of Snow or Ice/Sleet | No | Yes | Yes |
| Falling Objects | No | Yes | Yes |
| Glass | No | Yes | Yes |
| Collapse | No | Yes | Yes |
| Theft and Burglary | No | No | Yes |
| Full Glass Coverage | No | No | Yes |
| Leaky Roof | No | No | Yes |
| Pretty Much Everything Else* | No | No | Yes |
Allstate may exclude coverage for specific losses. Even the most comprehensive all-risk policy will exclude certain types of loss or damage.
Common exclusions include:HO-C Policies in Texas
While most people find HO-B policies to be sufficient, there is one policy that covers more, the HO-C covers all perils and contents. There are the usual exclusions, but if you have great credit and need additional no-fuss coverage for personal property damages, it may be the way to go.
| City | Average Annual Allstate Auto Insurance Rate |
|---|---|
| Austin | $1141 |
| Richmond | $1138 |
| Beaumont | $1129 |
| San Antonio | $1108 |
| Houston | $1093 |
| El Paso | $1091 |
| Edinburg | $1067 |
| Corpus Christi | $1057 |
| Fort Worth | $1001 |
| Denton | $995 |
| Georgetown | $993 |
| Dallas | $988 |
| McKinney | $988 |
| Angleton | $971 |
| Galveston | $957 |
| Conroe | $938 |
| Laredo | $869 |
| Lubbock | $818 |
| Waco | $804 |
| Brownsville | $697 |
| Belton | $657 |
| Houston | $406 |
| San Antonio | $382 |
| Beaumont | $378 |
| Denton | $378 |
| Galveston | $372 |
| Edinburg | $372 |
| Dallas | $349 |
| Georgetown | $349 |
| Conroe | $349 |
| Angleton | $349 |
| McKinney | $345 |
| Richmond | $345 |
| Laredo | $339 |
| Lubbock | $321 |
| Corpus Christi | $317 |
| El Paso | $298 |
| Fort Worth | $288 |
| Brownsville | $288 |
| Austin | $288 |
| Belton | $278 |
| Waco | $278 |
When compared to the biggest auto insurance providers nationwide, Allstate is among the most expensive. Allstate car insurance costs about 35% more than the national average.
Allstate offers a wide range of coverage options and discount programs that make it a viable option.
Full coverage insurance refers to a combination of coverages that help protect your vehicle. Ultimately, it's up to you to choose car insurance that fits your needs.
The cost of an Allstate renters insurance policy depends on numerous factors, such as your coverage limits. Speak with an Allstate agent to review your options and choose a coverage that fits your needs.
| City | Average Annual Allstate Renters Insurance Rate |
|---|---|
| Houston | $297 |
| Dallas | $256 |
| Fort Worth | $224 |
| San Antonio | $171 |
| Austin | $178 |
| McKinney | $219 |
| Edinburg | $296 |
| El Paso | $185 |
| Denton | $219 |
| Richmond | $297 |
| Conroe | $259 |
| Georgetown | $178 |
| Brownsville | $244 |
| Angleton | $283 |
| Corpus Christi | $249 |
| Belton | $185 |
| Galveston | $308 |
| Lubbock | $185 |
| Laredo | $185 |
| Beaumont | $263 |
| Waco | $185 |
Yes. Allstate offers insurance several renters insurance discounts, including:
The average cost of a renters insurance policy in Texas with $40,000 in personal property coverage and $300,000 in liability coverage is about $396 a year.
If you have an Allstate personal car insurance policy, the coverage may extend to a rental car as long as you drive it for personal use.
Yes. Allstate offers condo insurance that includes several types of coverage that help protect you, your condo, and your belongings. You may opt to purchase additional coverage for further protection.
| City | Average Annual Allstate Condominium Insurance Rate |
|---|---|
| Houston | $845 |
| Dallas | $843 |
| Fort Worth | $546 |
| San Antonio | $624 |
| Austin | $495 |
| McKinney | $799 |
| Edinburg | $810 |
| El Paso | $461 |
| Denton | $558 |
| Richmond | $1066 |
| Conroe | $760 |
| Georgetown | $521 |
| Brownsville | $2013 |
| Angleton | $2229 |
| Corpus Christi | $2176 |
| Belton | $461 |
| Galveston | $2441 |
| Lubbock | $461 |
| Laredo | $461 |
| Beaumont | $2016 |
| Waco | $521 |
Your Allstate condo insurance quote will vary, depending in part on your selected coverages and limits. Allstate offers several discounts on condo insurance to help reduce prices.
It's important to understand the value of your belongings when requesting a quote, as that will determine how much coverage you need for your condo insurance. Your local Allstate agent can help you choose or adjust your limits according to your needs.
Allstate offers a wide range of coverage options to help you stay protected on the road, including:
When you're responsible for an accident that injures another person, liability insurance helps pay for their medical expenses. That means you won't have to pay out of your pocket for the injured person's medical tests and treatment.
If you're in an accident where you're not at fault, the other person involved may not have enough or any insurance. Allstate uninsured motorist coverage can help cover the difference between the driver's coverage and your bills, up to your policy's limits.
If you're in a car crash, collision coverage can help protect you from paying to fix or replace your car. Comprehensive coverage can also provide coverage if your vehicle is damaged by theft or vandalism, a storm, or a natural disaster.
If you are injured in a car accident, personal injury protection may help cover your hospital bills, medical bills, and costs that your health insurance doesn't cover. Protection can include loss of services, child-care expenses, funeral expenses, and income continuation.
Depending on your situation, you may be able to add additional coverages to your car insurance policy, such as:
Factors that may affect your auto insurance premiums include the type of car you drive, demographic factors, driving habits, limits, coverages, and the deductible you choose, among others.
There are many ways to get quality coverage for your car at a lower rate. You could save big if you have a new vehicle and you're the first owner, bundle your insurance policies, or invest in an anti-theft device. You can also save by paying for your policy in one lump sum.
Allstate also has programs that can save you money, such as their safe driving app. Utilizing multiple programs and discounts can significantly reduce your Allstate premiums. The Allstate Milewise program, for example, charges premiums based on the actual miles you drive each month. It's perfect if you don't
Over time, you may need to cancel or adjust your Allstate insurance policy. Whether you're moving to a different location or selling a car and not replacing it, you won't be expected to pay an Allstate policy change fee.
To cancel your policy, all you need to do is call your local agent. Your agent may ask you to make a written request for cancellation.
To cancel by mail, write a letter that includes your name, phone number, address, policy details, and the date you would like your policy to end. Sign the letter, date it, and mail it to:
Allstate Insurance Company
PO Box 660598
Dallas, TX 75266.
You can also cancel your policy by visiting your local Allstate agent's office and providing a cancellation notice.
While you can always cancel your policy before securing representation with another company, you want to avoid that. Even a day's lapse in your coverage could put you at financial risk in an accident and result in higher premiums in the future.
Filing a claim with Allstate is an easy process that can be done three ways:
Allstate offers a Claim Satisfaction Guarantee. If you file a complaint within 180 days of an accident and it meets the requirements of the Claim Satisfaction Guarantee, Allstate will refund six months of your policy premium.
You might be wondering, how do I check the status of my Allstate claim? You can track your claim status using the Allstate mobile app. If you don't have the app, get a download link by texting ALLSTATEAPP to 25788.
According to the National Association of Insurance Commissioners (NAIC), Allstate's premiums written increased consistently from 2015 through 2018, with $20.1B in 2015 and $22.6B in 2018, respectively. The increase shows consistent growth, which means the company is attracting more customers.
Data from NAIC from 2015 to 2018 shows a slight decline in Allstate's loss ratio over the years. The loss ratio depicts the insurer's percentage loss on claim settlement compared to the premium received during a particular period.
A decrease in loss ratio could mean that Allstate is paying out fewer claims or that the company's customers were involved in fewer accidents in those years. The loss ratio gives a first-hand estimate of an insurance company's profitability. Nevertheless, Allstate has sufficient financial resources to pay out all valid insurance claims.
Before requesting an Allstate auto insurance quote, it's a good idea to do some research on the company.
When you go to the Allstate website and click on the auto insurance quote option, you will see a page that requests your zip code.
Next, you'll be asked to enter your basic personal information, such as your name, date of birth, address, etc.
The privacy policy describes Allstate's privacy practices. Read the policy and agree to it.
Prepare to provide some details about the vehicle or vehicles you're insuring.
Find out the make, model, and year of the car or cars to be insured.
Save the progress of your online application. That way, you don't risk having to repeat the entire process.
If you have people that reside in your household, have a driver's license, and have access to your car, add them to your insurance policy.
If you need help, enter your phone number and permit an Allstate customer service agent to call you.
Be sure to fill out all the required information to get a personalized quote.
The information you need to apply for an online quote includes:
You can access a digital copy of your ID card on the Allstate website or directly using the Allstate Mobile app.
Allstate ePayments allow you to pay your bills online right from your desktop or mobile device.
It's always a good idea to purchase more coverage and increase your auto liability limits above the state's minimum requirements.
Drive Safe and Save will not increase your policy premium for bad driving habits.
No. Using the State Farm App doesn't require you to register at statefarm.com.
Allstate offers the option to purchase a National Flood Insurance Program (NFIP) through an Allstate agent.
Yes, Allstate offers Accident Forgiveness as optional coverage to your auto insurance policy.
You can show proof of insurance using a paper copy or digital version of your auto insurance card. Many states, including Texas, accept digital ID cards as proof of insurance.
This might be because the insurer is missing key information about you that it needs to set your rates.
Yes. Allstate has an app that gives you anytime-access to everything from digital ID cards and policies to reporting claims, getting accident support, roadside assistance, and much more. The Allstate Mobile app is compatible with Android 7.0 or higher, iPhone iOS 12.0 or higher, and iPod Touch.
You can download the Allstate mobile app on the company website or send the text ALLSTATEAPP to 25788 to receive a link that will allow you to download the app.
The Allstate Mobile App works by providing easy access to policy information wherever your location-no need for paper records.
The Allstate Mobile App is free to download on Google Play or App Store. Once you've downloaded the app, log in to your Allstate account, and you're good to go.
Allstate provides excellent customer service and solid multi-policy discounts, but it also charges higher homeowners insurance rates than its competitors. The company offers the same coverages as other insurers do (dwelling, liability, personal property, medical protection coverage, and additional living expenses). What makes Allstate stand out is the unique tools and coverages they offer.
In addition to unique features, Allstate offers several optional coverages such as energy efficiency, musical instruments, and flood insurance that homeowners can add to their insurance policy to protect their property and home. As a homeowner, it's crucial to get quotes from multiple insurers and compare what they have to offer so you can find the right provider for you.
Allstate works to live up to its promise that customers will be in good hands by providing personal service via a network of agents and easy-to-use web and mobile tools. With a widespread footprint, Allstate is easily available to nearly every driver in Texas. The company also offers several discounts and perks, although their policies may be more expensive than similar policies from other insurance companies.
Allstate is a good option for new car buyers who would like access to a broad network of agents and easy-to-use online tools. It may not be the best fit for cost-conscious drivers.