Allied Insurance Review
- With 3.8/5 stars in 2024, Allied is a good insurance company.
- Read Allied reviews, complaints and prices before you buy.
Allied insurance: Ratings and reviews
Important note:Â
As of 2020, Allied was fully absorbed by its parent company, Nationwide. The Allied website and quote process brings users directly to Nationwide as the parent company has taken over the writing of all new policies. Learn more about Nationwide's auto policies in our review.
A Nationwide company, Allied Insurance was founded in 1929 and operates out of Des Moines, Iowa. Allied offers many different types of insurance coverage, including automobile, homeowners, life, and more. Find out if Allied is right for you by reading our Allied Insurance review and the breakdown of coverage options and discounts they offer.
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Unique coverage options for auto customers
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Excellent financial strength rating from AM Best
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Unknown claims report rating
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Slightly pricier than others
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New policies not available at time of publishing
Is Allied a good insurance company?
A large part of The Zebra's review score incorporates how well Allied is rated in terms of customer service. In order to determine that we looked at the following third-party ratings.
BBB Customer Reviews: 1.14/5
- Allied has a 1.14/5 rating from Better Business Bureau customers[1]
Complaint Index: Below average
- The National Association of Insurance Commissioners (NAIC) receives Below average customer complaints for Allied[2]
Financial Stability: Superior
- Allied received an Superior financial stability rating from A.M. Best[3]
The Zebra Customer Satisfaction Survey
Alongside third-party ratings, we like to include results from our own customer survey. Feedback from real customers indicated which auto insurance companies are the best in multiple categories. While Allied received an overall score of 7.71/10, we did not collect a sufficient amount of data on Allied for it to be included in individual categories.
How much does Allied insurance cost?
Information on Allied average premiums is limited, which makes it hard to provide an accurate review and calculate a fair rating.Â
It's important to remember that several personal factors are considered when policies are written, and premiums will vary based on things like age, driving history, geographic location, and vehicle type. It's worth getting a quote on auto insurance in your area to see if Allied can offer coverage within your budget.
Discounts offered
Allied offers various discounts for policyholders. Check out some of the ways in which you can save money.
- Multi-policy discount:Â If you add a life insurance policy through Allied, or bundle your auto and homeowners insurance policies, you can save on your monthly premiums.
- Good student discount:Â Full-time students can earn lower rates with a 'B' average or better.
Read more about Allied's discounts and services here.
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What type of coverage does Allied offer?Â
Allied offers standard coverage options offered by other auto insurance companies such as bodily injury liability, property damage liability, collision and comprehensive, gap coverage, uninsured/underinsured motorist coverage, and personal injury protection where applicable.Â
In addition, Allied Insurance offers a number of other policy types, rewards, and discounts that allow you to customize coverage to your particular needs. Read on to learn more about Allied coverage options and rewards programs.
- Rental reimbursement - This covers the cost of a rental car or other transportation if the usability of your car is affected by an accident. Allied offers complimentary enhancement to this coverage — known as Rental Days Plus — to allow unlimited rental car coverage.Â
- Accident and violation forgiveness - Accident forgiveness ensures that your rates won’t go up after an accident if your record has been otherwise clear. Minor violation forgiveness keeps your rates from rising after a minor infraction or ticket. You are allowed one such violation per driver during a three-year period.
- Roadside assistance - If you suffer a breakdown or other trouble while on the road, Allied offers different levels of roadside assistance. Each tier of assistance is available even if the car is not on your policy. Also, it covers all non-excluded relatives who live with you, even if they are in a car that isn’t yours.
- Deductible savings rewards -Â Allied offers two kinds of deductible savings: vanishing deductible and the total loss deductible waiver. These optional coverages can save you money in the event of a loss.
Additional lines of insurance
As Allied is owned by Nationwide, there are several other insurance products available. They include:
Allied insurance review: Summary
Allied has a wide array of offerings for the average driver. However, the company's future of selling new policies is unclear. Also, Allied's discounts aren’t as robust as some, but the company benefits from a strong financial rating and a generally favorable customer service rating, which makes sense considering that their parent company is Nationwide. If you are looking for the cheapest car insurance, or indeed other types of coverage like home or business insurance, it could still be worth your while to shop around to find the best insurance rates. The Zebra can help you find more company reviews and insurance quotes from a variety of different insurance providers to help you track down the right auto insurance policy for you.
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:
- Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
- Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
- Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
- Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
- The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.
For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:
- $200,000 for the dwelling
- $20,000 for other structures
- $100,000 for personal property
- $100,000 for personal liability
- $1,000 deductible
These sample premiums are dynamic and automatically refresh whenever the newest data is made available.
To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.
For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.
Allied insurance: Frequently asked questions
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.