Allstate vs Auto-Owners
Last updated July 2026
Allstate
You're in good hands
Advantages
- Enormous agent network for in-person quotes, service, and claims support
- Drivewise telematics rewards safe driving without raising base rates for tracked risk
- Deep bundling discounts across auto, home, life, and umbrella
- Accident forgiveness and new-car replacement available as add-ons
- Strong financial strength ratings and long claims history
Drawbacks
- Base rates are typically higher than Progressive for average drivers
- Digital quoting is functional but less streamlined than Progressive
- Discount stacking can feel opaque without an agent walking you through it
Auto-Owners
The 'no problem' people
Advantages
- Consistently top J.D. Power scores for claims and customer satisfaction
- Diminishing deductible and accident forgiveness available on eligible policies
- Green Deductible waives up to $250 of your deductible for a claim-free year
- Strong bundling discounts with home, life, and umbrella policies
- Available in 26 states across the Midwest, Southeast, and Mid-Atlantic
Drawbacks
- Quotes only through independent agents, no online purchase
- Not available on the West Coast or in the Northeast
- Digital tools trail Progressive and Geico for on-the-go management
Allstate and Auto-Owners both play in auto insurance, but they're aimed at different buyers. Allstate is built for homeowners who want to bundle policies and prefer working with a local agent. Auto-Owners is built for drivers in Auto-Owners' 26 states who want elite service and don't mind an agent-only process. Which one fits depends on which of those descriptions sounds more like you.
Feature Comparison
| Feature | Allstate | Auto-Owners |
|---|---|---|
| Typical Monthly Cost | Avg $150-$210/mo before bundling discounts | Avg $115-$170/mo before bundling |
| Quote Process | Local agent, online, or phone | Independent agent only |
| Available Discounts | Drivewise, multi-policy, safe driver, early signing, new car | Multi-policy, safe driver, diminishing deductible, paid-in-full, good student |
| Claims Experience | Agent-assisted, QuickFoto app, 24/7 phone | 24/7 phone, agent-assisted, app for basic submission |
| Customer Support | Local agents, phone, app, online | Independent agents, phone |
| Coverage Options | Full line, liability, collision, comprehensive, umbrella, rideshare | Liability, collision, comprehensive, gap, roadside, rideshare in some states |
| Mobile App Quality | Good, claims, Drivewise, ID cards, roadside | Basic, ID cards, payments, simple claim start |
| Bundling Options | Auto, home, renters, life, umbrella, motorcycle | Auto, home, life, umbrella, business, boat |
Auto-Owners Wins
Auto-Owners takes it overall (9/10 vs 8/10), but Allstate is still the sharper pick for homeowners who want to bundle policies and prefer working with a local agent.
Auto-Owners's standout strength: Consistently top J.D. Power scores for claims and customer satisfaction. Its biggest drawback (quotes only through independent agents, no online purchase) is easier to live with than Allstate's (base rates are typically higher than Progressive for average drivers). Allstate isn't out of the running though — its own standout strength is enormous agent network for in-person quotes, service, and claims support. If you fit the profile of homeowners who want to bundle policies and prefer working with a local agent, that alone can flip the decision.
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