Allstate is the second largest insurer of autos & homes in the USA, so anyone buying car or homeowners insurance should consider getting a price quote from Allstate, to see if this company best meets their insurance needs at a reasonable price.
A measure of quality for an auto or home insurance company is the number of upheld complaints filed against it with a state’s insurance regulatory authority, adjusted for the company’s market share. This review will show you if Allstate has a better than average, average, or below average complaint record for 2009, 2010, 2011, 2012, 2013 & 2014. I’ll review the AM Best Financial Strength Rating (FSR) for the Allstate insurance subsidiaries insuring cars & homes, too.
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The detailed information in this review and my review of the JD Power ratings for Allstate auto, home, & life insurance, compare Allstate auto, homeowners, & life insurance to the industry average and competing companies for customer service, claims processing performance, customer complaints, financial strength, and insurance rates, but if If you don’t want to read all the details, you can go to this review on my website here, to see at a glance if Allstate consistently performs better than average, average, or worse than average for customer service, claims, and pricing, and compare Allstate to over 40 other U.S. auto & home insurance companies.
Allstate Insurance Review
This Allstate Insurance review is divided into two sections, considering its: 1. AM Best Financial Strength Rating and 2. auto & homeowners insurance complaint record 2009 through 2013.
1. AM Best Financial Strength Rating for the Allstate insurance companies insuring cars & homes
Allstate had its A+ (Superior) AM Best Financial Strength Rating with a stable outlook (no ratings upgrade or downgrade is expected in the near future) for most of its Property & Casualty subsidiaries reaffirmed on 2/12/2015. A+ is the second highest rating for AM Best. Allstate has maintained this rating since I’ve been watching it, when I started this website in November of 2010.
Allstate’s New Jersey subsidiary companies, Allstate New Jersey Insurance Company & Allstate New Jersey Property & Casualty Company, have a lower AM Best rating of A- (Excellent) with a stable outlook, which is the fourth highest rating for AM Best. I become concerned with any car or home insurance company or subsidiary with less than an A- rating for financial strength from AM Best.
AM Best financial strength ratings are not a measure of customer service or the quality of the claims adjusting for any of the Allstate companies, but an opinion about their ability to pay claims, remain financially solvent, and stay in business. I recommend avoiding, if possible or practical, any auto or homeowners insurance company with lower than an “A-” rating for financial strength from AM Best. Some major auto & home insurance companies have higher or slightly lower financial strength ratings than the Allstate companies, but the difference in financial strength among A++, A+, A, & A- rated companies is not significant to me unless higher rated companies are the same or better in terms of price, coverage, claims handling, and customer service.
2. Allstate Insurance Group Auto & Home Insurance Complaint Statistics & Ratings
You may really like your car or home insurance company, or you may have heard from relatives or friends about the insurance companies they think are best, but you never really know how good your insurance company will be, until you have a serious claim. A great way to evaluate an auto or home insurance company’s claims service is to look at its customer complaint record.
A measure of quality for an auto or homeowners insurance company is the number of upheld complaints filed against it with a state’s insurance regulatory authority, compared to the industry average and competing companies. Some of the most common reasons, for people to file auto & home insurance complaints with a state insurance department against insurance companies, are for delays in a claim payment, unsatisfactory payment of a claim, and denial of a claim.
This part of my review will show you if Allstate auto & home insurance has a better-than-average, average, or below-average complaint record, based on its 2009-2014 customer complaint statistics. These sections of the review provides valuable information, to help you decide if Allstate, or a competitor, like State Farm, Nationwide, Liberty Mutual, Progressive, or GEICO, is a better insurance company for you. By choosing a company with a better-than-average complaint history, or at least avoiding companies with consistent, worse-than-average complaint records, you decrease the likelihood you will have a negative experience, when you need your auto or home insurance company.
Allstate, like most insurers, has a group of subsidiary companies insuring personal use vehicles &/or homes in the USA. The use of more than one auto or home insurance subsidiary company is usually to offer different pricing, or operate in a certain US state or states. Different subsidiaries can be used to offer specific pricing for certain market segments, such as drivers with lower or higher risk expectations (for example, drivers with a clean driving record vs. drivers with tickets and accidents), or certain occupations and employers, such as teachers or government employees, or to insure certain types of vehicles or residences, such as mobile homes, motorcycles, or motor homes, or to sell through different distribution channels, such as direct from the company, through a company agent, through an independent insurance agent, or other reasons.
Allstate uses different subsidiaries to operate in certain states, but most commonly, Allstate will stop selling a certain insurance product for one company, and start selling it in a new subsidiary, when it revises the insurance product. For example, in Oregon, Allstate stopped selling new auto insurance policies from Allstate Insurance Company, when it launched its new auto insurance product with a new rating plan and different features, like a cash back bonus, which it sold under Allstate Property & Casualty Insurance Company. A few years later, Allstate Property & Casualty Insurance Company stopped selling new auto insurance policies, when Allstate launched another new auto insurance product under Allstate Fire & Casualty Insurance Company.
The complaint statistics, called complaint ratios, used in this Allstate Insurance review are the number of upheld complaints filed against each of the Allstate companies with a state’s insurance regulatory authority, adjusted for each subsidiary’s market share, as determined by the National Association of Insurance Commissioners.
The complaint ratios for the Allstate insurance companies listed below display the ratio of the company’s U.S. Market Share of closed complaints compared to the company’s U.S. Market Share of premiums for a specific policy type. Complaint ratios lower than “1” have less complaints than average, and complaint ratios over “1” have more complaints than average. The lower the complaint ratio, the less complaints against the company. Ideally, you want to choose an auto or home insurance company with complaint ratios less than 1.00 each year, at least over the most recent three years.
So you don’t have to worry about comparing complaint ratio numbers, I devised a rating system to help you identify if Allstate has a good or poor complaint record.
Here’s how I establish my auto & homeowners insurance complaint ratings:
B = Better than average. Insurance companies with complaint ratios less than 75% of the average insurance company.
C = Average. Insurance companies with complaint ratios from 75% to 125% of the average insurance company. I use a minus sign (-) to indicate auto insurance complaint ratios slightly worse than average (1.05 to 1.25) and a plus sign (+) for auto insurance complaint ratios slightly better than average (.95 to .75).
W = Worse than average. Insurance companies with complaint ratios more than 125% of the average insurance company.
I prefer companies with the longest recent history of “B” ratings each year (or at least in the most recent three years). Companies with “B” or “C+” ratings are okay, too, particularly if they have less market share, with less than $50,000,000 in premiums for a line of insurance (such as auto or home) each year. I prefer to avoid companies with a consistently higher than average number of complaints, or with inconsistent complaint records, unless there are mitigating factors, such as very small market share.
I. Allstate Auto insurance Complaint Record
Allstate has 9 subsidiary companies insuring personal use autos, motorcycles, & trucks.
2012-2014 Auto insurance complaint record for Allstate considering all subsidiaries:
Better than average
Here is the auto insurance complaint record and change in market share for each Allstate subsidiary insuring private passenger vehicles in the USA:
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.72)
2015 US auto insurance premium = $3,429,007,194
2014 Auto Insurance Complaint Ratio = C+ (.78)
2014 US auto insurance premium = $3,821,715,511
2013 Auto Insurance Complaint Ratio = B (.67)
2013 US auto insurance premium = $4,160,765,692
2012 Auto Insurance Complaint Ratio = B (.73)
2012 US auto insurance premium = $4,548,731,858
2011 Auto Insurance Complaint Ratio = B (.68)
2011 US auto insurance premium = $4,969,396,189
2010 Auto Insurance Complaint Ratio = C (.96)
2010 US auto insurance premium = $5,439,723,087
2009 Auto Insurance Complaint Ratio = C (1.03)
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.48)
2015 US auto insurance premium = $3,712,528,101
2014 Auto Insurance Complaint Ratio = B (.48)
2014 US auto insurance premium = $3,569,908,215
2013 Auto Insurance Complaint Ratio = B (.41)
2013 US auto insurance premium = $3,451,939,814
2012 Auto Insurance Complaint Ratio = B (.39)
2012 US auto insurance premium = $3,484,254,469
2011 Auto Insurance Complaint Ratio = B (.46)
2011 US auto insurance premium = $3,666,205,882
2010 Auto Insurance Complaint Ratio = B (.49)
2010 US auto insurance premium = $3,779,487,055
2009 Auto Insurance Complaint Ratio = B (.44)
In most states, Allstate Indemnity offers nonstandard auto insurance rates for drivers with one major moving violation, like a DUI or Reckless Driving, or with tickets, accidents, claims, or other reasons auto insurance companies consider them a higher risk. If you are insured with Allstate Indemnity, but do not or no longer have the profile of a high risk driver, you can probably save a lot of money by shopping with other companies, or switching to another Allstate subsidiary. Allstate Indemnity has a good complaint history, compared to most nonstandard auto insurance companies.
2015 US auto insurance premium = $1,206,777,288
2014 Auto Insurance Complaint Ratio = C+ (.76)
2014 US auto insurance premium = $2,225,836,590
2013 Auto Insurance Complaint Ratio = C+ (.81)
2013 US auto insurance premium = $2,456,554,951
2012 Auto Insurance Complaint Ratio = B (.59)
2012 US auto insurance premium = $2,417,867,064
2011 Auto Insurance Complaint Ratio = B (.50)
2011 US auto insurance premium = $2,465,654,370
2010 Auto Insurance Complaint Ratio = B (.57)
2010 US auto insurance premium = $2,618,693,038
2009 Auto Insurance Complaint Ratio = B (.66)
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.45)
2015 US auto insurance premium = $6,700,911,344
2014 Auto Insurance Complaint Ratio = B (.47)
2014 US auto insurance premium = $5,761,091,707
2013 Auto Insurance Complaint Ratio = B (.29)
2013 US auto insurance premium = $4,920,700,703
2012 Auto Insurance Complaint Ratio = B (.39)
2012 US auto insurance premium = $4,238,986,156
2011 Auto Insurance Complaint Ratio = B (.36)
2011 US auto insurance premium = $3,698,127,488
2010 Auto Insurance Complaint Ratio = B (.32)
2010 US auto insurance premium = $3,252,753,342
2009 Auto Insurance Complaint Ratio = B (.45)
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.53)
2015 US auto insurance premium = $215,833,458
2014 Auto Insurance Complaint Ratio = B (.67)
2014 US auto insurance premium = $218,448,768
2013 Auto Insurance Complaint Ratio = B (.28)
2013 US auto insurance premium = $228,654,780
2012 Auto Insurance Complaint Ratio = B (.29)
2012 US auto insurance premium = $244,152,354
2011 Auto Insurance Complaint Ratio = B (.40)
2011 US auto insurance premium = $275,067,595
2010 Auto Insurance Complaint Ratio = B (.19)
2010 US auto insurance premium = $316,824,378
2009 Auto Insurance Complaint Ratio = B (.66)
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = W (5,228.04)
2015 US auto insurance premium = $8,714
2014 Auto Insurance Complaint Ratio = W (11,054.39)
2014 US auto insurance premium = $12,239
2013 Auto Insurance Complaint Ratio = W (2,408.44)
2013 US auto insurance premium = $35,735
2012 Auto Insurance Complaint Ratio = W (1,374.84)
2012 US auto insurance premium = $45,300
2011 Auto Insurance Complaint Ratio = W (7.46)
2011 US auto insurance premium = $1,141,159
2010 Auto Insurance Complaint Ratio = W (1.60)
2010 US auto insurance premium = $5,272,969
2009 Auto Insurance Complaint Ratio = W (4.26)
Although its auto insurance complaint ratios are troubling, they are extremely high because Allstate Vehicle & Property Insurance Company has only a handful (less than 50 auto insurance policies in 2014?) of auto insurance customers, and it appears Allstate is discontinuing the personal auto insurance product line for this subsidiary, by not selling new auto insurance policies and canceling most of its current policyholders each year since 2010.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.29)
2015 US auto insurance premium = $311,760,132
2014 Auto Insurance Complaint Ratio = B (.30)
2014 US auto insurance premium = $351,526,649
2013 Auto Insurance Complaint Ratio = B (.45)
2013 US auto insurance premium = $402,105,337
2012 Auto Insurance Complaint Ratio = C+ (.92)
2012 US auto insurance premium = $436,910,983
2011 Auto Insurance Complaint Ratio = C- (1.14)
2011 US auto insurance premium = $473,352,258
2010 Auto Insurance Complaint Ratio = W (1.53)
2010 US auto insurance premium = $518,493,512
2009 Auto Insurance Complaint Ratio = C+ (.88)
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = Data not available
2015 US auto insurance premium = Data not available
2014 Auto Insurance Complaint Ratio = B (.23)
2014 US auto insurance premium = $416,273,958
2013 Auto Insurance Complaint Ratio = B (.17)
2013 US auto insurance premium = $389,243,237
2012 Auto Insurance Complaint Ratio = B (.35)
2012 US auto insurance premium = $354,636,342
2011 Auto Insurance Complaint Ratio = B (.45)
2011 US auto insurance premium = $319,671,604
2010 Auto Insurance Complaint Ratio = B (.43)
2010 US auto insurance premium = $277,532,861
2009 Auto Insurance Complaint Ratio = B (.25)
Allstate New Jersey Property & Casualty Company operates in the state of New Jersey only.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.55)
2015 US auto insurance premium = $1,787,757,107
2014 Auto Insurance Complaint Ratio = B (.37)
2014 US auto insurance premium = $472,079,864
2013 Auto Insurance Complaint Ratio = B (.20)
2013 US auto insurance premium = $109,088,452
2012 Auto Insurance Complaint Ratio = B (.74)
2012 US auto insurance premium = $120,341,151
2011 Auto Insurance Complaint Ratio = C- (1.09)
2011 US auto insurance premium = $123,936,922
This Allstate subsidiary, Allstate North American Insurance Company, does not seem to be active in any state, or have any home or auto insurance policies in force at this time, or over the last 4 years.
2015 US auto insurance premium = No data available
2014 Auto Insurance Complaint Ratio = No data available
2014 US auto insurance premium = No data available
2013 Auto Insurance Complaint Ratio = No data available
2013 US auto insurance premium = No data available
2012 Auto Insurance Complaint Ratio = No data available
2012 US auto insurance premium = No data available
2011 Auto Insurance Complaint Ratio = No data available
2011 US auto insurance premium = No data available
2010 Auto Insurance Complaint Ratio = No data available
2010 US auto insurance premium = No data available
2009 Auto Insurance Complaint Ratio = No data available
II. Allstate Homeowners (including Renters, Condo, and Mobile Home) insurance Complaint Record
Allstate has 8 subsidiary companies selling residential property (home, renters, condo, & mobile home) insurance.
2012-2014 Home insurance complaint record for Allstate considering all subsidiaries:
Average
Here is the home insurance complaint record and change in market share for each Allstate subsidiary insuring homes, condos, & tenant’s personal property in the USA:
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.63)
2015 US home insurance premium = $2,298,572,181
2014 Home Insurance Complaint Ratio = C+ (.82)
2014 US home insurance premium = $2,416,395,147
2013 Home Insurance Complaint Ratio = C (1.03)
2013 US home insurance premium = $2,522,179,957
2012 Home Insurance Complaint Ratio = C (1.02)
2012 US home insurance premium = $2,638,961,705
2011 Home Insurance Complaint Ratio = C+ (.79)
2011 US home insurance premium = $2,662,283,156
2010 Home Insurance Complaint Ratio = C (.96)
2010 US home insurance premium = $2,714,993,179
2009 Home Insurance Complaint Ratio = C (.98)
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.49)
2015 US home insurance premium = $1,276,363,176
2014 Home Insurance Complaint Ratio = B (.53)
2014 US Home insurance premium = $1,321,157,541
2013 Home Insurance Complaint Ratio = B (.61)
2013 US home insurance premium = $1,345,533,401
2012 Home Insurance Complaint Ratio = B (.53)
2012 US home insurance premium = $1,362,086,087
2011 Home Insurance Complaint Ratio = B (.52)
2011 US home insurance premium = $1,362,523,862
2010 Home Insurance Complaint Ratio = B (.35)
2010 US home insurance premium = $1,405,251,639
2009 Home Insurance Complaint Ratio = B (.47)
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.65)
2015 US home insurance premium = $1,226,547,901
2014 Home Insurance Complaint Ratio = B (.74)
2014 US Home insurance premium = $1,323,826,461
2013 Home Insurance Complaint Ratio = C+ (.76)
2013 US home insurance premium = $1,384,069,338
2012 Home Insurance Complaint Ratio = B (.64)
2012 US home insurance premium = $1,420,087,482
2011 Home Insurance Complaint Ratio = C+ (.89)
2011 US home insurance premium = $1,314,443,978
2010 Home Insurance Complaint Ratio = B (.65)
2010 US home insurance premium = $1,171,310,995
2009 Home Insurance Complaint Ratio = B (.58)
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = C (.96)
2015 US home insurance premium = $281,603,664
2014 Home Insurance Complaint Ratio = C (1.02)
2014 US Home insurance premium = $311,198,980
2013 Home Insurance Complaint Ratio = B (.68)
2013 US home insurance premium = $338,000,617
2012 Home Insurance Complaint Ratio = B (.72)
2012 US home insurance premium = $359,784,144
2011 Home Insurance Complaint Ratio = C+ (.75)
2011 US home insurance premium = $327,723,542
2010 Home Insurance Complaint Ratio = B (.70)
2010 US home insurance premium = $274,215,034
2009 Home Insurance Complaint Ratio = C- (1.25)
B = Better than Average C = Average W = Worse than Average
2014 Home Insurance Complaint Ratio = No home policies in force
2015 Home Insurance Complaint Ratio = $0
2015 US home insurance premium = $0
2014 US Home insurance premium = $0
2013 Home Insurance Complaint Ratio = No home policies in force
2013 US home insurance premium = $0
2012 Home Insurance Complaint Ratio = No home policies in force
2012 US home insurance premium = $0
2011 Home Insurance Complaint Ratio = No home policies in force
2011 US home insurance premium = $0
2010 Home Insurance Complaint Ratio = No home policies in force
2010 US home insurance premium = $0
2009 Home Insurance Complaint Ratio = No home policies in force
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.51)
2015 US home insurance premium = $157,280,450
2014 Home Insurance Complaint Ratio = B (.22)
2014 US Home insurance premium = $165,505,162
2013 Home Insurance Complaint Ratio = B (.51)
2013 US home insurance premium = $172,690,428
2012 Home Insurance Complaint Ratio = W (1.47)
2012 US home insurance premium = $169,414,010
2011 Home Insurance Complaint Ratio = C- (1.13)
2011 US home insurance premium = $173,996,474
2010 Home Insurance Complaint Ratio = C+ (.86)
2010 US home insurance premium = $168,805,224
2009 Home Insurance Complaint Ratio = B (.64)
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = Data not available
2015 US home insurance premium = Data not available
2014 Home Insurance Complaint Ratio = B (0) (No complaints)
2014 US home insurance premium = $16,522,583
2013 Home Insurance Complaint Ratio = No home insurance policies in force
2013 US home insurance premium = $0
Allstate New Jersey Property & Casualty Company operates in the state of New Jersey only. Allstate New Jersey Property & Casualty Company appears to have started insuring homes in 2014.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.37)
2015 US home insurance premium = $399,464,834
2014 Home Insurance Complaint Ratio = B (.33)
2014 US Home insurance premium = $418,132,112
2013 Home Insurance Complaint Ratio = B (.28)
2013 US home insurance premium = $427,254,350
2012 Home Insurance Complaint Ratio = B (.22)
2012 US home insurance premium = $443,608,197
2011 Home Insurance Complaint Ratio = B (.23)
2011 US home insurance premium = $462,398,477
2010 Home Insurance Complaint Ratio = B (.21)
2010 US home insurance premium = $483,268,091
2009 Home Insurance Complaint Ratio = W (1.42)
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.36)
2015 US home insurance premium = $1,455,891,857
2014 Home Insurance Complaint Ratio = B (.39)
2014 US Home insurance premium = $932,222,351
2013 Home Insurance Complaint Ratio = B (.28)
2013 US home insurance premium = $471,803,605
2012 Home Insurance Complaint Ratio = B (.10)
2012 US home insurance premium = $83,050,759
2011 Home Insurance Complaint Ratio = B (0) (No Complaints)
2011 US home insurance premium = $1,310,260
2010 Home Insurance Complaint Ratio = No home policies in force
2010 US auto insurance premium = $0
This Allstate subsidiary, Allstate North American Insurance Company, does not seem to be active in any state, or have any home or auto insurance policies in force at this time, or over the last 4 years.
2015 US home insurance premium = No data available
2014 Home Insurance Complaint Ratio = No data available
2014 US Home insurance premium = No data available
2013 Home Insurance Complaint Ratio = No data available
2013 US home insurance premium = No data available
2012 Home Insurance Complaint Ratio = No data available
2012 US home insurance premium = No data available
2011 Home Insurance Complaint Ratio = No data available
2011 US home insurance premium = No data available
2010 Home Insurance Complaint Ratio = No data available
2010 US home insurance premium = No data available
2009 Home Insurance Complaint Ratio = No data available
Thanks for reading this review of Allstate auto & home insurance. You can find other reviews of leading auto, home, & life insurance companies on my website & blog.
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