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Allstate Review 2026

A complete, unbiased guide to Allstate's financial products and services.

8.4★★★★☆Very Good  ·  out of 10
J.D. Power 826BBB A+
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What is Allstate?
WHAT IS ALLSTATE?

Allstate is an insurance brand reviewed by JumpSteps for coverage breadth, claims experience, and financial strength signals. The company was founded in 1931 and headquartered in Northbrook, IL. Allstate has an AM Best rating of A+.

JumpSteps reviews Allstate using publicly available information, product disclosures, and comparative editorial analysis.

Fast Facts
Full Legal NameThe Allstate Corporation
Founded1931
HeadquartersNorthbrook, IL
Stock TickerALL (NYSE)
BBB RatingA+
AM Best RatingA+
J.D. Power Score826
Current PromotionsAwaiting input from Allstate  Partner with us to feature promotions →
Industries / ProductsInsurance
Data Last VerifiedFebruary 28, 2025

Fields marked "Awaiting input" contain data that changes frequently. Brand representatives can submit current data here →

Products & Services
INDUSTRYInsurance
Editorial Overview
Allstate is the second-largest personal lines insurer in the United States and the most direct structural competitor to State Farm: both operate through large exclusive agent networks, both offer broad multi-line product coverage, and both target households that want an agent relationship for auto and home insurance. Allstate differentiates through Drivewise telematics — which offers cash-back rewards in addition to premium discounts — and through its digital tools, which have improved materially and include the QuickFoto Claim mobile claims submission feature. Allstate's bundling discount is among the more generous in the agent-model carrier category. It holds an A+ AM Best rating and earns above-average J.D. Power auto claims satisfaction — though it trails State Farm on both metrics. Premiums tend to be less competitive than GEICO and Progressive for price-sensitive buyers.
Policy Types
  • Auto
  • Home
  • Renters
  • Life
  • Motorcycle
  • Boat
  • Business
  • Umbrella
AM Best Rating
A+ (Superior)
States Available
All 50 states
Bundling Available
Yes — Allstate account discount for bundling
No-Exam Life
Yes (term coverage)
Claims Channel
  • Phone
  • Mobile app
  • Agent
  • Online portal
Coverage Range
Standard market coverage limits.
Claims Experience vs Peers
Allstate earns above-average J.D. Power auto claims satisfaction scores, ranking solidly in the upper half of national carriers but generally below State Farm. Its claims process supports multiple channels — agent, phone, mobile app, online portal, and QuickFoto Claim for minor collision damage — giving policyholders flexibility in how they initiate and manage claims. The agent model provides some of the same advocacy benefit that State Farm offers, though Allstate also uses independent agents in some markets, which can create variability in the quality of individual agent relationships.
Value vs Peers
Allstate's premiums are generally above the market median for auto insurance — it is not the carrier consumers should choose if price is the primary criterion. Its value proposition is strongest for households that bundle auto and home, qualify for the Allstate account multi-policy discount, and use Drivewise for additional savings. For those customers, the total household premium can be competitive with the broader market. Drivewise's cash-back rewards structure is a more tangible loyalty incentive than simple discount programs, giving safe drivers ongoing financial benefit beyond initial policy pricing.
Financial Strength vs Peers
Allstate holds an A+ (Superior) AM Best financial strength rating, one tier below State Farm and GEICO's A++ but at the same level as Progressive. As a publicly traded company (NYSE: ALL), Allstate provides full financial transparency and has a long track record of claims-paying reliability. Its financial strength is not a meaningful concern for most consumers — A+ represents strong financial health — but consumers who specifically want the highest available rating should note that State Farm and GEICO hold the A++ designation.
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Frequently Asked Questions
Please verify FDIC coverage directly with Allstate.
Allstate is subject to federal financial regulation. It holds a A+ BBB rating and a J.D. Power score of 826. As with all financial institutions, review the terms of your specific accounts and products.
Allstate offers services across multiple product categories.
Who Allstate Is Best For

✓ Best For

  • Agent-based insurance buyers who want broad product coverage for auto, home, and life
  • Safe drivers who want Drivewise cash-back rewards on top of standard premium discounts
  • Households bundling multiple policies who qualify for the Allstate account multi-policy discount
  • Consumers in markets where Allstate has a strong established agent presence

✗ Look Elsewhere If

  • Price-primary buyers who want the lowest available auto insurance premium (GEICO or Progressive)
  • Consumers who prioritize the highest AM Best financial strength rating (State Farm or GEICO at A++)
  • Households whose claims history suggests they need the strongest possible agent advocacy (State Farm)
The JumpSteps Rating
8.4
out of 10
★★★★☆
JumpSteps Rating for Insurance — Updated March 16, 2026

Allstate is a strong personal lines insurer for consumers who want agent-based service, broad product coverage, and competitive bundling discounts — but who are not primarily optimizing for the lowest possible premium. Its Drivewise telematics program with cash-back rewards is one of the more consumer-friendly telematics structures in the category. For consumers comparing Allstate to State Farm, State Farm generally wins on claims satisfaction, financial strength rating, and agent network density. For consumers comparing Allstate to GEICO or Progressive, the decision turns on whether agent service is worth the premium difference — for many consumers, it is not.

How JumpSteps Ratings Work

JumpSteps ratings are designed to save you time. They combine our editorial analysis with consensus ratings from leading consumer finance publications, verified product details like account types and fees, and independent institutional trust signals such as regulatory memberships and third-party ratings.
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This rating reflects publicly available information as of 2026-03-17. Brands can become a JumpSteps Partner to verify and update information →

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