Compare Allstate Homeowners and Auto Insurance Cost in Texas

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Allstate's Financial Ratings

What are Allstate’s Financial Ratings?

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.

AM Best

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.

S&P

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.


Allstate Reviews

Is Allstate a good insurance company?

With plenty of coverage options, generous perks, and an easy-to-file claims process, Allstate is worth considering as your insurance provider.

BBB

Allstate’s A+ rating is the highest rating BBB gives, which shows that most customers are satisfied with the service they receive.

Google Reviews

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

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.


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Consumer Reports

Consumer Reports ranks companies based on customer satisfaction. Allstate scores well in many categories, gaining an overall score of 88.

Texas Complaint Stats

When compared to other insurance companies, Allstate receives fewer complaints from Texas residents on average than many companies of its size.


Allstate Company History

Allstate History

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.

Texas Market Share

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 in the Community

Allstate takes pride in giving back to the community through the Allstate Foundation, which focuses on:

  • Purple Purse helps to end domestic violence by assisting victims to reach financial independence.
  • Good Starts Young empowers youth through in-school and after-school programs.
  • Helping Hands supports Allstate’s employees volunteering efforts.
  • Nonprofit Leadership Center provides a leadership development program.

Allstate COVID Relief

Allstate is committed to helping customers and communities cope with the covid-19 crisis. The company has contributed millions of dollars to various community relief and recovery efforts.



Allstate’s Online Presence

In addition to a great website and mobile app, Allstate has a lively, interactive social media presence. Most notably, the company has a separate Twitter account dedicated to providing customer service on the platform. They also use Twitter’s DM prompt feature that invites customers to switch to a private chat with just a single click.

Allstate’s Commercials

Allstate’s advertising campaigns have gained popularity over the years. Perhaps the most famous commercials feature the “Allstate Mayhem Guy,” portrayed by Dean Winters.

Allstate’s Employees

Counting Allstate headquarters in Northbrook, Illinois, the company has about 41,860 employees across the country. Allstate has received extensive recognition for its diversity inclusion efforts, including awards for being a top company for women and a military-friendly employer. 


Allstate Homeowners Insurance Rates

How much is Allstate homeowners insurance?

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.

Is Allstate home insurance expensive?

While the company has strong customer reviews, Allstate quotes home insurance at slightly higher rates than competitors.

How much is Allstate Insurance Monthly?

The average Allstate insurance cost per month in Texas is $276.16.

Does Allstate have good homeowners insurance?

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.

Allstate Average Texas Homeowners Insurance Rates

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

Types of Allstate Homeowners Policies

What does an Allstate homeowners policy cover?

An Allstate homeowners insurance typically covers:

  • Your dwelling
  • Personal property
  • Liability for injuries or damage to someone else’s property
  • Other structures of your property

You may also choose to purchase additional coverage, such as musical instruments insurance, yard and garden insurance, and more for greater protection.

Does Allstate have good homeowners insurance?

With plenty of options for customization, discounts, and highly rated customer service, Allstate homeowners insurance is worth considering.

What three areas are covered in a typical homeowners policy?

A typical homeowners policy provides financial protection against loss due to disasters, theft, and accidents.

Allstate Discounts

What discounts does Allstate offer?

Allstate offers several discounts. Some of their more popular programs include their:

  • Safe Driver discount
  • Defensive driver discount
  • Good Student discount
  • Retiree discount
  • Good payer discount

Rather than simply get a quote online, it’s a good idea to talk to an Allstate agent.

How can I lower my Allstate insurance?

Here are some tips on how you may be able to lower your Allstate insurance:


  • Set higher deductibles on your auto insurance
  • Bundle insurance policies
  • Choose car safety and security features
  • Compare auto insurance rates
  • Park your car in a garage
  • Take a defensive driving course

How do I get an Allstate safe driving discount?

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.

Does Allstate offer AARP discounts?

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 Auto Insurance Rates

How much is Allstate car insurance per month?

Allstate full coverage costs in Texas average around $374 per month, while minimum coverage runs closer to $116.

Allstate Average Texas Auto Insurance Rates

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

Is Allstate insurance expensive?

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.

Is Allstate a good car insurance company?

Allstate offers a wide range of coverage options and discount programs that make it a viable option.

What is full coverage insurance Allstate?

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.


Allstate Renters Insurance Rates

How much is renters insurance through Allstate?

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.

Allstate Average Texas Renters Insurance Rates

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

Does Allstate offer renters insurance discounts?

Yes. Allstate offers insurance several renters insurance discounts, including:

  • Multi-policy discount
  • 55 and retired discount

How much does 300k renters insurance cost?

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.

Does Allstate auto insurance cover rental cars?

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.

Allstate Condo Insurance Rates

Does Allstate offer condo insurance?

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.

Allstate Average Texas Condo Insurance Rates

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

How much does condo homeowners insurance cost?

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.

How much coverage do I need for condo insurance?

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.

Coverages Offered by Allstate

Types of Coverages Offered

Allstate offers a wide range of coverage options to help you stay protected on the road, including:

  • Liability coverage
  • Comprehensive coverage
  • Uninsured and underinsured motorist coverage
  • Collision coverage
  • Personal injury protection
  • Medical payments coverage

When you are at fault:

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.

When you are not at fault:

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.

Vehicle Protection:

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.

Personal Protection:

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.

Additional Car Insurance Options

Depending on your situation, you may be able to add additional coverages to your car insurance policy, such as:

  • Gap coverage
  • Towing and labor cost coverage

  • Classic car insurance
  • Sound system coverage
  • Ride-sharing coverage
  • New car replacement coverage

Factors That Affect Your Rate

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. 

Getting the Best Rate with Allstate

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’s Programs

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


Canceling Your Allstate Policy

How to Cancel (Step-by-Step Guide)

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.

By Phone:

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.

By Mail or Fax

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.

In-person

You can also cancel your policy by visiting your local Allstate agent's office and providing a cancellation notice.

When can I cancel?

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.



How to Make an Allstate Claim

Ease of Making a Claim

Filing a claim with Allstate is an easy process that can be done three ways:

  • Online through the Allstate website
  • Via the Allstate mobile app
  • Calling the Allstate claims phone number at 1-800-ALLSTATE

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.

Premiums Written

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.


Loss Ratio

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.

How to Get an Allstate Quote Online

Step #1 - Ask About Allstate

Before requesting an Allstate auto insurance quote, it’s a good idea to do some research on the company.

Step #2 - Enter Your ZIP Code

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.

Step #3 - Enter Your Information

Next, you’ll be asked to enter your basic personal information, such as your name, date of birth, address, etc.

Step #4 - Agree to the Privacy Policy

The privacy policy describes Allstate’s privacy practices. Read the policy and agree to it.

Step #5 - Get Your Car Info Ready

Prepare to provide some details about the vehicle or vehicles you’re insuring.

Step #6 - Determine Your Car’s Make and Model

Find out the make, model, and year of the car or cars to be insured.

Step #7 - Save Your Progress

Save the progress of your online application. That way, you don’t risk having to repeat the entire process.

Step #8 - Add Drivers

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.

Step #9 - Get Help if You Need It

If you need help, enter your phone number and permit an Allstate customer service agent to call you.

Step #10 - Get Your Personalized Quotes

Be sure to fill out all the required information to get a personalized quote.

What you’ll need to apply

The information you need to apply for an online quote includes:

  • Basic information, such as your date of birth, address, etc.
  • Email address
  • Phone number

Allstate Car Insurance FAQs

Can I get a copy of my Allstate ID card online?

You can access a digital copy of your ID card on the Allstate website or directly using the Allstate Mobile app.

Can I make payments to Allstate online?

Allstate ePayments allow you to pay your bills online right from your desktop or mobile device.

How much should my liability coverage be?

It’s always a good idea to purchase more coverage and increase your auto liability limits above the state’s minimum requirements.


Will Drive Safe and Save penalize me for bad driving?

Drive Safe and Save will not increase your policy premium for bad driving habits.

Do I have to register at statefarm.com to use the app?

No. Using the State Farm App doesn't require you to register at statefarm.com.

Does Allstate cover flooding?

Allstate offers the option to purchase a National Flood Insurance Program (NFIP) through an Allstate agent.

Does Allstate offer accident forgiveness?

Yes, Allstate offers Accident Forgiveness as optional coverage to your auto insurance policy.

How do I show proof of insurance?

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.

I have a current auto insurance policy. Why can’t I get a quote for another auto policy online?

This might be because the insurer is missing key information about you that it needs to set your rates.

Is there an app for Allstate?

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.

How do I download the Allstate app?

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.


How does the Allstate app work?

The Allstate Mobile App works by providing easy access to policy information wherever your location-no need for paper records.

How do I sign up for the Allstate app?

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.

The Bottom Line

Is Allstate home insurance a good deal?

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.

Is Allstate auto insurance a good deal?

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.