How much does it cost to add a driver to car insurance allstate

Q: Does adding a driver mean they are insured?

Adding a driver to your policy means theyre an insured driver under your policy when they drive your car. So, if they get into an accident, your insurer is more likely to cover the damage than for an unlisted driver. Sharing a policy with someone typically means both of your vehicles are covered under one policy.

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Table of Contents Show

Allstate Insurance Review
How Much Is Allstate Car Insurance?
Allstate Car Insurance Coverage
Allstate Insurance Customer Reviews
Allstate Mobile App
Allstate Insurance: Additional Coverage Offerings
Allstate Insurance Review: Conclusion
Allstate Car Insurance: FAQ
Methodology
Does it cost more money to add a driver?
Does adding a driver mean they are insured?
Can I add a driver onto my policy?

In our Allstate insurance review, we give the company 4.2 out of 5.0 stars and name it the "Best Local Service" provider in 2022.

Selecting the best car insurance policy can be an overwhelming task. To help make this decision a little easier for you, our review team took a close look at Allstate insurance reviews, costs, and coverage options. We’ll help you decide if you’re in good hands with Allstate.

Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the auto insurance company you choose, factors such as your age, vehicle make and model, and driving record can affect your premium, so what’s best for your neighbor might not be best for you.

Allstate Insurance Review

We offer Allstate 4.2 out of 5.0 stars and believe the company offers the Best Local Service in 2022. Allstate insurance reviews are mixed, indicating that service quality can vary depending on your agent. Be sure to research your local agent if you’re considering a policy with Allstate.

For those who find quality local agents, Allstate’s comprehensive coverage, strong financial stability, and mileage-based discount program make it a smart choice for eligible drivers. Allstate has a Superior financial strength rating from AM Best and an A+ from the BBB. Below are the pros and cons from our Allstate insurance review:

The bottom line is that Allstate auto insurance offers coverage comparable to many other large, national companies. If you enjoy working with a local insurance agent and are looking for full coverage, Allstate auto insurance may be right for you.

Founded in 1931 and based in Northbrook, Illinois, Allstate has grown to become the fourth-largest auto insurance company in the nation. The insurance provider wrote over $27 billion in direct premiums in 2021 and held 10 percent of the market share, according data from the National Association of Insurance Commissioners (NAIC).

Unlike some other national car insurance companies, Allstate works through a network of local agents to provide coverage. The company offers some unique programs and discounts, including the Drivewise® mileage-based program. Although Allstate auto insurance requires you to start your policy with a local agent, you can file insurance claims through Allstate’s website or over the phone.

The company’s customer service seems to vary based on the region and the insurance agents you work with.

How Much Is Allstate Car Insurance?

Based on our cost research for Allstate, the average 35-year-old driver with good credit and a clean driving record pays $2,088 per year for full coverage car insurance. This is above the national average of $1,730 per year.

Here’s how Allstate compares to a number of popular insurance providers:

Car Insurance Company	Average Annual Cost Estimate	Average Monthly Cost Estimate
USAA	$1,054	$88
Erie Insurance	$1,238	$103
Nationwide	$1,281	$107
Geico	$1,308	$109
Auto-Owners	$1,337	$111
State Farm	$1,481	$123
Progressive	$1,611	$134
Travelers	$1,669	$139
Allstate	$2,088	$174
Farmers	$2,140	$178

Our rate estimates show that minimum liability coverage from Allstate costs about $725 per year, which is higher than the national average rate of $635 per year. Many factors are used to determine your Allstate car insurance premiums, so it’s difficult to provide specific pricing for every driver. The tables below show annual rate estimate data for several types of drivers. In each case, Allstate is around twice as expensive as the least expensive insurer.

Allstate Car Insurance Rate Comparison: Estimates After An Accident

Car Insurance Company	Annual Rate Estimate	Monthly Rate Estimate
USAA	$1,428	$119
State Farm	$1,671	$139
Geico	$2,427	$202
Progressive	$2,471	$206
Nationwide	$2,545	$212
Allstate	$3,798	$317

Allstate Car Insurance Rate Comparison: Estimates For Drivers With Poor Credit

Car Insurance Company	Annual Rate Estimate	Monthly Rate Estimate
USAA	$1,807	$151
Geico	$2,077	$173
Nationwide	$2,227	$186
Progressive	$2,514	$210
State Farm	$3,616	$301
Allstate	$3,765	$314

Allstate Car Insurance Rate Comparison: Estimates For 16-Year-Olds

Car Insurance Company	Annual Rate Estimate	Monthly Rate Estimate
State Farm	$4,146	$345
Geico	$4,466	$372
Nationwide	$4,567	$381
USAA	$4,784	$399
Travelers	$7,206	$600
Allstate	$8,350	$696

Allstate Car Insurance Rate Comparison: Estimates For 21-Year-Olds

Car Insurance Company	Annual Rate Estimate	Monthly Rate Estimate
USAA	$1,609	$134
Geico	$1,844	$154
Nationwide	$2,147	$179
State Farm	$2,322	$194
Travelers	$2,513	$209
Progressive	$2,872	$239
Farmers	$3,295	$275
Allstate	$3,302	$275

Keep in mind that your car insurance rates may vary, and it’s worth reaching out to Allstate for personalized car insurance quotes. While the estimates above indicate that Allstate is a pricey insurer on average, it’s possible for some people to find big savings from Allstate.

Your driving history has a major impact on car insurance rates. Speeding tickets, accidents, DUIs, and more will increase what you pay. Below, you can see how estimated rates from Allstate compare to national averages. These numbers apply to 35-year-old drivers.

Violation Type	Allstate Annual Cost Estimate	National Annual Cost Estimate
Speeding: 1-5 mph Over Limit	$2,738	$2,225
Speeding: 21-25 mph Over Limit	$2,746	$2,464
DUI	$3,582	$3,277
Stop sign violation	$2,738	$2,280
One accident	$3,598	$2,689
Two accidents	$4,724	$3,761

What you pay for car insurance coverage from Allstate can vary greatly by your age. Below are Allstate cost estimates broken down by different ages. Be aware that these estimates apply to single drivers, and teens are more likely to be listed on their parents’ insurance.

Age	Allstate Annual Cost Estimate	Allstate Monthly Cost Estimate
16	$8,350	$696
17	$6,804	$567
18	$5,925	$494
19	$4,188	$349
21	$3,302	$275
25	$2,382	$199
30	$2,187	$182
40	$2,143	$179
50	$2,054	$171
65	$2,090	$174
75	$2,328	$194

The state where you live can greatly affect what you pay for Allstate car insurance. Insurance regulations, state requirements, population density, and average mileage can all affect car insurance costs. Here’s how Allstate cost estimates look broken down by state.

State	Allstate Annual Cost Estimate	State Average Cost Estimate
Alabama	$1,516	$1,479
Alaska	$1,881	$1,400
Arizona	$2,408	$1,754
Arkansas	$2,126	$1,525
California	$2,281	$2,089
Colorado	$2,152	$1,860
Connecticut	$2,298	$2,999
Delaware	$2,914	$2,169
Washington, D.C.	$3,433	$1,903
Florida	$3,407	$2,947
Georgia	$1,850	$1,617
Hawaii	$1,404	$1,819
Idaho	$1,751	$1,069
Illinois	$2,310	$1,347
Indiana	$2,026	$1,332
Iowa	Data not available	$1,181
Kansas	$2,409	$1,471
Kentucky	$2,126	$1,779
Louisiana	Data not available	$2,783
Maine	$1,538	$964
Maryland	$3,674	$1,818
Massachusetts	$2,453	$2,647
Michigan	Data not available	$3,785
Minnesota	$2,111	$1,632
Mississippi	$1,724	$1,434
Missouri	$1,762	$1,734
Montana	$2,347	$1,938
Nebraska	$1,682	$1,622
Nevada	$2,695	$2,149
New Hampshire	$1,600	$1,349
New Jersey	$2,148	$2,037
New Mexico	$1,929	$1,449
New York	$2,669	$2,783
North Carolina	$2,148	$1,368
North Dakota	$1,784	$1,366
Ohio	$1,720	$1,027
Oklahoma	$1,711	$1,726
Oregon	$1,687	$1,334
Pennsylvania	$1,488	$1,647
Rhode Island	$2,343	$1,848
South Carolina	$2,379	$1,665
South Dakota	Data not available	$1,652
Tennessee	$1,630	$1,281
Texas	$2,266	$1,752
Utah	$1,843	$1,507
Vermont	$1,691	$1,056
Virginia	$1,556	$1,142
Washington	$1,581	$1,438
West Virginia	$2,364	$1,537
Wisconsin	$1,687	$1,219
Wyoming	$2,457	$1,767

There are a number of ways to get discounted insurance rates through Allstate, including by bundling your auto policy with one of Allstate’s other insurance products. Here are some of the discounts available:

New car discounts for the first owners of a vehicle
Multi-car and multi-policy discounts for customers who bundle home and auto insurance policies
Good student discounts for drivers under 25
Anti-lock brake and anti-theft device discounts for equipped cars
Early signing discounts for policyholders who sign early
EZ pay plan discounts for policyholders who use Allstate’s automatic withdrawal feature
Allstate eSmart® discounts for policyholders who go paperless
FullPay® discounts for customers who pay their full premiums at one time
Safe driving discounts for policyholders who meet safe driver requirements

Allstate’s Deductible Rewards® program also gives you an immediate $100 discount on your collision deductible. Then, you’ll get an additional $100 off for every year that you drive without an accident.

Allstate Car Insurance Coverage

Allstate auto insurance offers several products in all 50 states and some parts of Canada. The insurance provider offers the standard types of car insurance, including the following:

Property damage and bodily injury liability auto insurance: Covers other people’s vehicles and medical bills when you cause an accident
Comprehensive insurance: Covers damage from the environment, theft, and vandalism
Collision coverage: Covers your car when you cause an accident
Uninsured motorist coverage: Covers your car and medical bills if the at-fault driver doesn’t have enough or any insurance
Personal injury protection: Covers medical bills, funeral costs, and lost wages
Medical payments: Covers medical bills

In addition to the basic types of coverage mentioned above, Allstate policyholders can get:

Rideshare insurance for those who drive for ride-for-hire services such as Uber or Lyft
Classic car insurance for those with antique vehicles, custom builds, and hot rods
Mexican travel insurance for policyholders who drive their cars into Mexico
Custom parts coverage for those who have installed aftermarket parts or sound equipment
Car rental reimbursement for when your vehicle is in the shop after an accident

Through its partner Hagerty, Allstate offers classic car insurance for vintage cars, foreign cars, classic military vehicles, and other classic vehicles. Allstate classic car insurance is different from other insurance policies and uses an agreed value system, which determines the price of your car before you get a policy. This amount is determined by using any certifications, photos, and appraisal documents you provide.

Full coverage car insurance from Allstate covers liability claims, collision damage regardless of fault, and non-accident damage which can be from severe weather or collisions with animals. Allstate full coverage auto insurance may also include uninsured motorist coverage, personal injury protection, and/or medical payments coverage. While the definition of full coverage differs by state, full coverage auto insurance always includes liability insurance, collision insurance, and comprehensive insurance.

To cancel a car insurance policy you can call an agent at 800-255-7828, mail a cancellation to its Dallas office (PO Box 660598 / Dallas, TX 75266), or visit your local Allstate agent. When mailing your policy cancellation make sure to include your name, phone number, policy information, and the date you would like your policy to end on.

Allstate Insurance Customer Reviews

Allstate insurance reviews on the BBB website give the company an average of 1.1 out of 5.0 stars. This is a low rating, but it’s also common for insurance companies to have low scores. We’ll look at a few examples of Allstate insurance reviews below.

Many positive Allstate insurance reviews mention quality customer service agents and a smooth claims process.

“We have always had a good experience with Allstate. Only had to file one claim in the past 10 years or so, but it was fixed and paid for. Staff have been friendly and no complaints!”
– Marissa G. via BBB

“My husband and I have [had Allstate insurance] for over 20 years. We have had a total of three accidents in 20 years, and each incident was handled smoothly and within 24 hours. The representatives have always been patient, attentive, and accurate with information provided to settle each case. … Highly recommend this insurance for auto.”
– Christy P. via BBB

Allstate has a complaint index of 1.41 from the NAIC. This number indicates that Allstate has a volume of complaints that’s 1.41 times the average for an insurer of its size. Most of these complaints are about Allstate claims customer service either with the repair process or with adjusters.

“I was involved in an 18-wheeler accident. Truck driver wasn’t insured at time of accident, but I have uninsured motorist [insurance]. Allstate did not pay to get my car fixed. I was sideswiped. It was the truck driver’s fault … he received citation for accident. After four months, Allstate has not paid for the repair. It’s a bad company. I’m changing insurance. Do not recommend Allstate auto insurance.”

– Reymundo S. via BBB

“Please don’t get insurance with Allstate. This company is a rip-off. They will increase your rates for no reason over and over.”
– Shv R. via BBB

The J.D. Power 2022 U.S. Auto Insurance StudySM ranks Allstate high in some areas of the country but poorly in others. Allstate ranks above average in California, Florida, and in the North Central region of the country.

Our team surveyed nearly 7,000 car insurance customers on experiences with their companies and 622 respondents had Allstate insurance. Allstate scored 4.1 out of 5.0 for overall customer satisfaction. It’s an OK score, but it ranked 13th out of 15 companies in our survey. Here are a few more Allstate ratings from our survey:

Aspect Surveyed	Allstate Rating (Out Of 5.0)	Industry Average Rating (Out Of 5.0)
Overall satisfaction	$4	$4
Customer service	$4	$4
Affordability	$4	$4
Coverage selection	$4	$4
Claims service	$4	$4
Mobile app rating	$4	$4

On the App Store, Allstate Mobile has a rating of 4.8 out of 5.0 stars based on over 800,000 customer ratings. The app’s rating on Google Play is a bit lower, at 4.0 out of 5.0 based on more than 94,000 ratings. Some customers complain that the app loads very slowly when using the Drivewise feature.

In terms of legal troubles, the San Diego County District Attorney’s Office filed a lawsuit against Allstate in 2016 for misleading television advertisements. In the complaint, the DA claimed that Allstate promoted an accident forgiveness program that was not available to California auto insurance policyholders. In the court’s final judgment, Allstate did not admit liability but paid $600,000 in penalties and investigative costs.

Allstate Mobile App

The Allstate mobile app gives customers access to convenient policy tools. Drivers can use Allstate Mobile to access digital ID cards, pay bills, request roadside assistance, and file claims. The app even lets customers monitor their driving habits and save money with the Allstate Drivewise program.

Allstate’s usage-based discount program, Drivewise, rewards policyholders based on drive-time data collected through Allstate’s device or mobile app. Drivers receive a three percent discount on their Allstate policies just for signing up and for remaining active in the program. After 50 trips, drivers can receive up to 15 percent cash back for safe, accident-free driving, with assessments every six months after that, as well as Allstate Rewards® points.

Safe driving habits include staying under 80 mph, avoiding late-night driving, and avoiding hard braking. Check with your local Allstate agent to see if Drivewise is available in your area.

Allstate Insurance: Additional Coverage Offerings

You can also purchase other types of insurance through Allstate such as renters insurance, homeowners insurance, and life insurance.

According to Allstate’s website, customers can save up to 25 percent by bundling home and auto insurance. Something must be working because Allstate is the second-most popular home insurance provider in the country, according to the NAIC. You can get coverage for physical damage, personal property, liability, guest medical protection, and more.

Allstate offers a variety of life insurance options, including whole, term, universal, and variable life insurance. Whole, universal, and variable insurance build cash value over time, while term does not. Some car insurance companies offer discounts for bundling home and life insurance, but Allstate doesn’t list a specific discount for this.

Allstate Insurance Review: Conclusion

We gave Allstate Insurance 4.2 out of 5.0 stars and our reviews team named it the “Best Local Service” option in 2022. The bottom line is that Allstate auto insurance offers coverage comparable to that from other large, national companies.

If you enjoy working with a local insurance agent and you’re looking for full coverage, Allstate auto insurance may be right for you. Any time that you’re looking for car insurance, we recommend getting car insurance online quotes from several companies to compare your options for coverage.

When we researched the best car insurance providers in the industry, we found Geico and Progressive to be among the top insurers. You can read our Geico vs. Allstate and Progressive vs. Allstate reviews to compare these auto insurers.

Geico claims that “15 minutes could save you 15 percent or more on car insurance,” and our research determined that this is true for some drivers. The provider has high customer satisfaction ratings with an A+ rating with the BBB and an A++ financial strength rating from AM Best. J.D. Power ranked Geico highly in most regions, too.

Unlike Allstate auto insurance, Geico car insurance provides 24/7 customer service through its smartphone app and website. Additionally, Geico has great discounts for federal employees, active-duty military members, and safe drivers.

Allstate auto insurance offers several coverage options that Geico doesn’t, including new car replacement coverage. However, if you’re looking for cheap car insurance or a car insurance policy that’s easy to navigate without involving a local agent, Geico may be the best pick for you.

Learn more about coverage in our full Geico auto insurance review.

Progressive’s Name Your Price® tool is a huge draw for customers, offering side-by-side quote comparisons so you can easily determine which coverage is best for you. This makes Progressive’s online quote process stand out against that from other car insurance companies.

Like Allstate auto insurance, Progressive car insurance offers a wide array of coverage options. Both companies provide coverage for custom parts and offer deductible-lowering options for safe drivers. Progressive’s rates sometimes beat Allstate auto insurance prices, but that’s not always the case. We recommend obtaining quotes from both insurers to decide which will be most cost-effective option for you.

Read more in our complete Progressive auto insurance review.

Allstate Car Insurance: FAQ

Methodology

In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
Availability: We consider availability by state as well as exclusions for specific groups of drivers.
Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
Technology: Auto insurers with mobile apps, advanced online services, and telematics are more likely to meet consumer needs.

Does it cost more money to add a driver?

Adding a driver to your car insurance policy will have an impact on your rates. However, it isn't the case that adding another driver will always raise them — depending on who the primary and secondary drivers are, adding another driver can actually bring your car insurance costs down by a significant amount.

Does adding a driver mean they are insured?

Adding a driver to your policy means they're an insured driver under your policy when they drive your car. So, if they get into an accident, your insurer is more likely to cover the damage than for an unlisted driver. Sharing a policy with someone typically means both of your vehicles are covered under one policy.

Can I add a driver onto my policy?

Adding someone to your car insurance is simple. You just need to get in touch with your insurer and let them know the details of your additional driver(s). Make sure to include full details of any convictions and claims they might have or you could be committing insurance fraud.