Lemonade is a good option for those seeking lower premiums and a tech-driven experience, particularly for renters, but customers should be aware of potential customer service issues. Allstate is better suited for those who prioritize comprehensive coverage options, strong digital tools, and nationwide availability, but are willing to pay higher premiums.
| Attribute | Lemonade | Allstate |
|---|---|---|
| Policy Coverage Options | — | Auto, Home, Life, Motorcycle, Business, Pet, RV, Snowmobile, Mexico Car Insurance. Auto: Liability, collision, comprehensive, uninsured motorist, medical payments, personal injury protection, rental reimbursement, roadside assistance, rideshare coverage. Home: liability, dwelling, personal property coverage, flood insurance, HostAdvantage. Add-ons available. |
| Premium Costs | — | Full coverage auto insurance averages $3,313 per year. Minimum coverage auto insurance averages $951 per year. Home insurance with $300,000 dwelling coverage averages $2,243 per year. Premiums vary based on age, location, driving history, and coverage choices. Generally higher than the national average for car insurance. |
| Deductibles | — | Customizable policy options available, specific deductible amounts not readily available. |
| Customer Service Responsiveness | — | 24/7 phone service, online/mobile app support, independent agents. 85% customer satisfaction, about average compared to other insurers. |
| Claim Processing Speed | — | Prompt response within 24 to 48 hours. Compensation payout timelines vary from a few days to a couple of weeks, depending on complexity. Claims can be filed online or via the app, except for flood, life, and annuity claims, which must be filed by phone. |
| Digital Experience (App/Website) | — | Mobile and online tools for policy management and claims. App receives good user reviews. 91% of customers reported a positive experience accessing policy documents and services online; ranked No. 1 for ease of accessing policy documents and services. |
| Discounts Offered | — | Multi-Policy, Safe Driver, New Car, Anti-lock brake (ABS), anti-theft device, EZ pay plan (automatic payments), eSmart (paperless statements), FullPay (paying the premium in full upfront), responsible payer, good student, and 55 and retired discounts. |
| Financial Stability Rating | — | A+ (Superior) from AM Best. |
| Policy Customization | — | Numerous ways to customize policies with add-on coverages and options. |
| Availability in My State | — | Nationwide. |
| Bundling Options | — | Good option for bundling home and auto insurance. |
| User Reviews and Ratings | — | Ranked #8 among national carriers in Insure.com's Best Car Insurance Companies of 2025, with a rating of 3.75 out of 5 stars. The Zebra gives Allstate 4.4 out of 5 stars. Customer satisfaction is mixed, with some surveys indicating below-average satisfaction. 88% of Allstate customers said they would recommend the company to others. |