Auto Insurance · Head-to-head
LendingTree Insurance vs Allstate: Which auto insurance wins?
Side-by-side comparison of LendingTree Insurance and Allstate auto insurance — average premiums, coverage strength, claims & support, and editorial verdict.
LendingTree Insurance
Largest carrier network in the marketplace category — including regional and non-standard insurers competitors miss. Phone follow-up is opt-in but more aggressive than The Zebra.
Allstate
Premiums run 30-50% above the GEICO baseline for clean-record drivers — Allstate competes on coverage extras, not price. The Drivewise telematics program offers 10-25% off, and the Accident Forgiveness rider is genuinely first-accident-free (unlike Progressive's which expires after 3 years). Best for drivers who've had a claim in the last 36 months.
In plain English
LendingTree Insurance edges out Allstate on editorial score (4.5/5 vs 4.1/5). Both shine in different scenarios — see the verdicts below.
Side-by-side breakdown
| Feature | LendingTree Insurance | Allstate |
|---|---|---|
| Avg full-coverage premium | — | $2,108/yr |
| Avg liability-only premium | — | $735/yr |
| A.M. Best financial strength | — | — |
| Best for | Best multi-quote tool | accident forgiveness · agent service |
| Overall rating | 4.5/5 | 4.1/5 |
| Price & savings score (40%) | 4.5 | 3.8 |
| Coverage strength score (25%) | 4.4 | 4.4 |
| Quote & buy experience (20%) | 4.7 | 4.2 |
| Claims & support score (15%) | 4.4 | 4.3 |
Avg full-coverage premium
LendingTree Insurance
—
Allstate
$2,108/yr
Avg liability-only premium
LendingTree Insurance
—
Allstate
$735/yr
A.M. Best financial strength
LendingTree Insurance
—
Allstate
—
Best for
LendingTree Insurance
Best multi-quote tool
Allstate
accident forgiveness · agent service
Overall rating
LendingTree Insurance
4.5/5
Allstate
4.1/5
Price & savings score (40%)
LendingTree Insurance
4.5
Allstate
3.8
Coverage strength score (25%)
LendingTree Insurance
4.4
Allstate
4.4
Quote & buy experience (20%)
LendingTree Insurance
4.7
Allstate
4.2
Claims & support score (15%)
LendingTree Insurance
4.4
Allstate
4.3
Editor verdicts
Why we rate LendingTree Insurance 4.5/5
Largest carrier network in the marketplace category — including regional and non-standard insurers competitors miss. Phone follow-up is opt-in but more aggressive than The Zebra.
Why we rate Allstate 4.1/5
Premiums run 30-50% above the GEICO baseline for clean-record drivers — Allstate competes on coverage extras, not price. The Drivewise telematics program offers 10-25% off, and the Accident Forgiveness rider is genuinely first-accident-free (unlike Progressive's which expires after 3 years). Best for drivers who've had a claim in the last 36 months.
Read the full Allstate reviewWho should pick which?
Pick LendingTree Insurance if…
- You value claims responsiveness — LendingTree Insurance scores higher on claims & support.
- You want a smooth quote-and-buy flow with minimal phone follow-up.
Pick Allstate if…
- Your driver profile leans accident forgiveness — Allstate's underwriting is best-in-class there.