Allstate Auto Insurance Review [2026]

Milewise is Allstate’s pay-per-mile auto insurance program. It combines a flat daily rate with a per-mile price to determine how much you’ll pay for your insurance. Drivers who spend less time behind the wheel can see significant savings by using Milewise.

Drivewise is Allstate’s usage-based insurance that tracks driving behaviors like hard braking and what time of day you drive. Drivers can save up to 40% on their insurance, but only if they regularly practice safe habits.

Overall, Allstate is one of the most expensive options for auto insurance for any major provider. However, there is a long list of Allstate auto insurance discounts to help you save.

While its rates are typically high, Allstate auto insurance rates for teens are a little lower. Allstate offers a Smart Student discount to help young drivers save, but companies like Geico or State Farm are typically cheaper.

Yes, Allstate sells gap insurance to protect you from paying on an upside-down loan. Gap insurance is an add-on for your policy, and you can easily cancel it once you’ve paid your loan down enough.

While you can add roadside assistance to your Allstate policy, you don’t have to be an Allstate policyholder to call for help. Allstate sells standalone memberships if you want permanent roadside coverage. Or, you can pay for help as you need it with one-time service calls.

Aside from auto insurance, Allstate sells a variety of policies to cover nearly everything important in your life. Coverage options include life, home, renters, boat, motorcycle, and pet insurance.

Allstate has a mobile app in the Apple and Google playstores. You can use the app to enroll in Drivewise, get help with roadside assistance, manage your monthly payments, start a claim, and download digital IDs.

Allstate has no trouble paying claims financially, but many customer reviews report an unsatisfactory experience with a claim. Common complaints include long wait times and low-ball payments.

The easiest way to get an Allstate auto insurance quote is to complete the online request form. You can also call the Allstate auto insurance phone number to speak with a representative or visit a local office for help.