Allstate (ALL)
Sells personal auto and home insurance alongside consumer, vehicle, and identity protection.
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Allstate is overwhelmingly an auto-and-home insurer: households pay it to absorb the cost of crashes, storms and other damage. A large invested pool of premium money adds income while claims wait to be paid. The core is adding policies again after a sharp profit recovery, though lower estimates for old claims helped; protection plans and driving-data services form a much smaller, faster-growing second act.
Item facts: FY2025 · year ended Dec 31, 2025, from filings, earnings calls and company pages.
Judgment weights, not filed revenue
The band summarizes business focus and direction. ~ marks estimates.
7 in detail · 14 more below
Auto Insurance
The main engine: $38.09 billion of 2025 premiums from covering drivers and cars. Profit recovered sharply after painful losses; watch whether Allstate can keep adding customers as repair and injury costs keep moving.
Competes with Private passenger auto (Progressive) · Private passenger auto (State Farm)
In plain English
A driver pays Allstate now so a crash does not become one enormous bill later. The policy covers damage to the car and harm the driver causes, sold through Allstate, National General and Direct Auto.
Most customers never have a costly crash at the same time, so their premiums form a shared pot. Allstate pays repair shops, medical providers and other claim costs from it; what remains after selling and running the policies is profit. State permission to raise prices can lag behind faster repair and injury bills.
Homeowners Insurance
The second pillar covers houses, belongings and harm homeowners are responsible for. Premiums grew 11.4% year over year in Q2 2026, but storms and rebuilding costs can quickly turn profit into loss.
Competes with Homeowners multiple peril (State Farm) · Homeowners multiple peril (USAA)
In plain English
Roofs, kitchens, belongings and the damage a homeowner causes to someone else can all produce bills too large for one family. Allstate takes a regular payment and promises to cover specified losses, often pairing the policy with auto insurance.
The business works when premiums collected across many homes exceed claims, agent costs and overhead. Severe storms can hit many homes at once, so Allstate also pays other insurers to shoulder part of disaster losses. Pricing and state approvals determine whether premiums catch up to rebuilding costs.
Other Personal Lines
A $3.13 billion collection of smaller covers for renters, condos, landlords, motorcycles, boats and other household risks. It gives Allstate more ways to serve one household, while weather and repair costs affect each piece differently.
Competes with Specialty vehicle and renters insurance (Progressive) · Specialty vehicle and property insurance (GEICO)
In plain English
Not every valuable thing is a car or a house. A renter's belongings, a landlord's building, a motorcycle, a boat or even scheduled valuables can each need their own promise of help after damage or theft.
Allstate sells these policies alone or beside auto and home coverage. It collects many modest payments across the assortment, then pays repair networks, contractors or owners when covered trouble occurs. The variety widens the relationship with a household, though each type of property brings a different pattern of accidents and weather losses.
Allstate Protection Plans
Checkout protection for phones, appliances, electronics and furniture produced $2.16 billion in 2025. Growth depends on retailer renewals and how often shoppers add coverage, while repair and replacement bills decide what remains.
Competes with Tech Care (Asurion) · Connected Living (Assurant)
In plain English
The little protection offer beside a new phone or washing machine is this business. A shopper pays extra at checkout for help if the product fails or, under some plans, is accidentally damaged.
Retailers and phone carriers place the offer in front of buyers; named partners include Walmart, Home Depot and Costco. Allstate takes in the charge through the seller, then earns it bit by bit while the coverage lasts and pays for repair, shipping or replacement when something goes wrong. More product sales and more shoppers saying yes create volume, while claims determine what remains.
Allstate Dealer Services
These dealership add-ons cover later repairs, damaged wheels and a loan shortfall after a total loss. Covered contracts fell 2.6% in Q2 2026, making dealer access and vehicle sales the watchpoints.
Competes with Assurant Vehicle Care (Assurant) · Vehicle service contracts (Protective Asset Protection)
In plain English
Buying a car often ends at a finance desk crowded with optional promises. Dealer Services supplies several of them: repair coverage after the standard warranty, tire-and-wheel help, appearance protection and coverage for the gap when a totaled car is worth less than the loan.
Dealers and their agents sell the contracts with new or used vehicles. Allstate takes in the charge through the dealer and earns it over the time it remains responsible; repair shops and dealers are paid when covered trouble arrives. The business needs car sales, willing dealers and repair bills that stay inside the price charged.
Arity
Arity turns phone and vehicle movement into crash-risk measures, introductions to potential customers and crash alerts. On the company's preferred measure, it lost $34 million in 2025; watch whether outside customers grow faster than costs.
Competes with DriveWell (Cambridge Mobile Telematics) · Telematics OnDemand (LexisNexis)
In plain English
Phones and connected cars leave trails showing speed, braking and movement. With permission, Arity turns those signals into measures that help insurers judge crash risk, detect collisions and find people who may want a policy.
Insurers and apps pay for those services or for customer introductions. Allstate and National General use Arity themselves, while Life360, a family-location app, is named as another user. Useful data can improve pricing and help after a crash, but consent, privacy rules, accuracy and state approval decide how far the service can spread.
Investment Portfolio
Premium money waiting to pay claims formed an $83.24 billion portfolio at year-end 2025. Its mostly-bond mix turns waiting time into interest income; rates, borrower trouble and claim cash needs govern the result.
Competes with Fixed-income portfolio (Travelers) · Insurance portfolio (Chubb)
In plain English
Insurance reverses the usual order: Allstate often collects money months or years before it pays a claim. Rather than leave that waiting money idle, it invests the pool, mostly in bonds that pay interest, with smaller holdings in stocks, partnerships and short-term assets.
That income supplements what the policies themselves earn. Higher interest rates can gradually lift the return as old bonds are replaced, but bond prices may fall first. Allstate must also keep enough cash and dependable investments ready for claims, especially when disasters create many bills at once.
Auto InsuranceThe main engine: $38.09 billion of 2025 premiums from covering drivers and cars. Profit recovered sharply after painful losses; watch whether Allstate can keep adding customers as repair and injury costs keep moving.The main engine: $38.09 billion of 2025 premiums from covering drivers and cars. Profit recovered sharply after painful losses; watch whether Allstate can keep adding customers as repair and injury costs keep moving.
In plain English
A driver pays Allstate now so a crash does not become one enormous bill later. The policy covers damage to the car and harm the driver causes, sold through Allstate, National General and Direct Auto.
Most customers never have a costly crash at the same time, so their premiums form a shared pot. Allstate pays repair shops, medical providers and other claim costs from it; what remains after selling and running the policies is profit. State permission to raise prices can lag behind faster repair and injury bills.
Competes with Private passenger auto (Progressive) · Private passenger auto (State Farm)
Homeowners InsuranceThe second pillar covers houses, belongings and harm homeowners are responsible for. Premiums grew 11.4% year over year in Q2 2026, but storms and rebuilding costs can quickly turn profit into loss.The second pillar covers houses, belongings and harm homeowners are responsible for. Premiums grew 11.4% year over year in Q2 2026, but storms and rebuilding costs can quickly turn profit into loss.
In plain English
Roofs, kitchens, belongings and the damage a homeowner causes to someone else can all produce bills too large for one family. Allstate takes a regular payment and promises to cover specified losses, often pairing the policy with auto insurance.
The business works when premiums collected across many homes exceed claims, agent costs and overhead. Severe storms can hit many homes at once, so Allstate also pays other insurers to shoulder part of disaster losses. Pricing and state approvals determine whether premiums catch up to rebuilding costs.
Competes with Homeowners multiple peril (State Farm) · Homeowners multiple peril (USAA)
Other Personal LinesA $3.13 billion collection of smaller covers for renters, condos, landlords, motorcycles, boats and other household risks. It gives Allstate more ways to serve one household, while weather and repair costs affect each piece differently.A $3.13 billion collection of smaller covers for renters, condos, landlords, motorcycles, boats and other household risks. It gives Allstate more ways to serve one household, while weather and repair costs affect each piece differently.
In plain English
Not every valuable thing is a car or a house. A renter's belongings, a landlord's building, a motorcycle, a boat or even scheduled valuables can each need their own promise of help after damage or theft.
Allstate sells these policies alone or beside auto and home coverage. It collects many modest payments across the assortment, then pays repair networks, contractors or owners when covered trouble occurs. The variety widens the relationship with a household, though each type of property brings a different pattern of accidents and weather losses.
Competes with Specialty vehicle and renters insurance (Progressive) · Specialty vehicle and property insurance (GEICO)
Allstate Protection PlansCheckout protection for phones, appliances, electronics and furniture produced $2.16 billion in 2025. Growth depends on retailer renewals and how often shoppers add coverage, while repair and replacement bills decide what remains.Checkout protection for phones, appliances, electronics and furniture produced $2.16 billion in 2025. Growth depends on retailer renewals and how often shoppers add coverage, while repair and replacement bills decide what remains.
In plain English
The little protection offer beside a new phone or washing machine is this business. A shopper pays extra at checkout for help if the product fails or, under some plans, is accidentally damaged.
Retailers and phone carriers place the offer in front of buyers; named partners include Walmart, Home Depot and Costco. Allstate takes in the charge through the seller, then earns it bit by bit while the coverage lasts and pays for repair, shipping or replacement when something goes wrong. More product sales and more shoppers saying yes create volume, while claims determine what remains.
Competes with Tech Care (Asurion) · Connected Living (Assurant)
Allstate Dealer ServicesThese dealership add-ons cover later repairs, damaged wheels and a loan shortfall after a total loss. Covered contracts fell 2.6% in Q2 2026, making dealer access and vehicle sales the watchpoints.These dealership add-ons cover later repairs, damaged wheels and a loan shortfall after a total loss. Covered contracts fell 2.6% in Q2 2026, making dealer access and vehicle sales the watchpoints.
In plain English
Buying a car often ends at a finance desk crowded with optional promises. Dealer Services supplies several of them: repair coverage after the standard warranty, tire-and-wheel help, appearance protection and coverage for the gap when a totaled car is worth less than the loan.
Dealers and their agents sell the contracts with new or used vehicles. Allstate takes in the charge through the dealer and earns it over the time it remains responsible; repair shops and dealers are paid when covered trouble arrives. The business needs car sales, willing dealers and repair bills that stay inside the price charged.
Competes with Assurant Vehicle Care (Assurant) · Vehicle service contracts (Protective Asset Protection)
ArityArity turns phone and vehicle movement into crash-risk measures, introductions to potential customers and crash alerts. On the company's preferred measure, it lost $34 million in 2025; watch whether outside customers grow faster than costs.Arity turns phone and vehicle movement into crash-risk measures, introductions to potential customers and crash alerts. On the company's preferred measure, it lost $34 million in 2025; watch whether outside customers grow faster than costs.
In plain English
Phones and connected cars leave trails showing speed, braking and movement. With permission, Arity turns those signals into measures that help insurers judge crash risk, detect collisions and find people who may want a policy.
Insurers and apps pay for those services or for customer introductions. Allstate and National General use Arity themselves, while Life360, a family-location app, is named as another user. Useful data can improve pricing and help after a crash, but consent, privacy rules, accuracy and state approval decide how far the service can spread.
Competes with DriveWell (Cambridge Mobile Telematics) · Telematics OnDemand (LexisNexis)
Investment PortfolioPremium money waiting to pay claims formed an $83.24 billion portfolio at year-end 2025. Its mostly-bond mix turns waiting time into interest income; rates, borrower trouble and claim cash needs govern the result.Premium money waiting to pay claims formed an $83.24 billion portfolio at year-end 2025. Its mostly-bond mix turns waiting time into interest income; rates, borrower trouble and claim cash needs govern the result.
In plain English
Insurance reverses the usual order: Allstate often collects money months or years before it pays a claim. Rather than leave that waiting money idle, it invests the pool, mostly in bonds that pay interest, with smaller holdings in stocks, partnerships and short-term assets.
That income supplements what the policies themselves earn. Higher interest rates can gradually lift the return as old bonds are replaced, but bond prices may fall first. Allstate must also keep enough cash and dependable investments ready for claims, especially when disasters create many bills at once.
Competes with Fixed-income portfolio (Travelers) · Insurance portfolio (Chubb)
Named in filings, launches and programs
- Allstate RoadsideServiceDispatches towing, jump-starts, lockout help, fuel and tire changes; the small service produced $160 million in 2025.
- Allstate Identity ProtectionServiceSubscriptions help restore stolen identities and protect family privacy and online life; a few million policies were active by mid-2026.
- National GeneralBrandIndependent-agent brand for personal and commercial coverage, including drivers whom standard insurers may price or serve poorly.
- Direct AutoBrandStore, phone and direct-sales auto brand for customers who prefer in-person service; it operates roughly five hundred stores.
- Answer FinancialBrandOnline agency that helps shoppers compare and buy insurance from multiple providers within Allstate's main insurance business.
- Commercial LinesProduct line$419 million of 2025 premiums protecting small businesses from property damage and claims that they harmed others.
- Brokered Solutions and Collateral ProtectionProduct linePlaces outside property policies and lender-required coverage; these and related legacy products generated $676 million of 2025 premiums.
- Affordable, Simple and ConnectedProduct line · RampingStandardized Allstate auto, home and renters products rolling out across its agent and direct-sales channels during 2026.
- DrivewiseCustomer programDriving-behavior program available across nearly every state, designed to connect how customers drive with insurance pricing.
- MilewiseProductPay-per-mile auto insurance for people whose cars travel less, available in about twenty states plus Washington, D.C.
- Custom360Product lineNational General's common set of personal insurance products, available in more than thirty states at year-end 2025.
- SAVECustomer programA 2025 effort to keep customers that cut premiums for 7.8 million auto and home customers by an average 17%.
- ALLIEEcosystem · RampingInternal AI tools that help draft material and automate work steps, named as a 2026 operating priority.
- Individual HealthProduct lineShort-term medical and other individual coverage retained after Allstate sold its two employer-focused health businesses.
Allstate RoadsideService
Dispatches towing, jump-starts, lockout help, fuel and tire changes; the small service produced $160 million in 2025.
Allstate Identity ProtectionService
Subscriptions help restore stolen identities and protect family privacy and online life; a few million policies were active by mid-2026.
National GeneralBrand
Independent-agent brand for personal and commercial coverage, including drivers whom standard insurers may price or serve poorly.
Direct AutoBrand
Store, phone and direct-sales auto brand for customers who prefer in-person service; it operates roughly five hundred stores.
Answer FinancialBrand
Online agency that helps shoppers compare and buy insurance from multiple providers within Allstate's main insurance business.
Commercial LinesProduct line
$419 million of 2025 premiums protecting small businesses from property damage and claims that they harmed others.
Brokered Solutions and Collateral ProtectionProduct line
Places outside property policies and lender-required coverage; these and related legacy products generated $676 million of 2025 premiums.
Affordable, Simple and ConnectedProduct line · Ramping
Standardized Allstate auto, home and renters products rolling out across its agent and direct-sales channels during 2026.
DrivewiseCustomer program
Driving-behavior program available across nearly every state, designed to connect how customers drive with insurance pricing.
MilewiseProduct
Pay-per-mile auto insurance for people whose cars travel less, available in about twenty states plus Washington, D.C.
Custom360Product line
National General's common set of personal insurance products, available in more than thirty states at year-end 2025.
SAVECustomer program
A 2025 effort to keep customers that cut premiums for 7.8 million auto and home customers by an average 17%.
ALLIEEcosystem · Ramping
Internal AI tools that help draft material and automate work steps, named as a 2026 operating priority.
Individual HealthProduct line
Short-term medical and other individual coverage retained after Allstate sold its two employer-focused health businesses.