Comparing Allstate to other carriers? Here’s an honest look at how RMO MyAuto stacks up — on coverage tiers, telematics options, agent vs. direct service, and the bundling math.
A side-by-side on coverage, telematics, service model, and bundle math.
| Feature | RMO MyAuto | Allstate® |
|---|---|---|
| Plan tiers | MyAuto Basic, Plus, Premier, Elite | Build-your-own with optional add-ons (Allstate® Your Choice, Drive Wise, etc.) |
| Service model | Direct-to-member — app, web, retail centers | Local agent network (~10,000 agents) + direct online |
| Telematics / usage-based | Discount opportunities at MyAuto Plus and up — varies by state | Drivewise (behavior-based), Milewise (pay-per-mile) |
| Standard coverages | Liability, collision, comprehensive, UM/UIM, MedPay/PIP | Liability, collision, comprehensive, UM/UIM, MedPay/PIP |
| Accident forgiveness | Available on Premier & Elite tiers | Available as add-on (varies by state) |
| New car replacement | Available on Elite tier | Available as add-on |
| Roadside assistance | Bundled via RMO Roadside Services membership | Built-in or Allstate Roadside Services add-on |
| Rideshare coverage | Available on higher tiers | Available as add-on in most states |
| Multi-policy bundle | RMO bundles MyAuto with MyProperty, electronics, roadside, banking, more | Allstate auto + home/renters; multi-policy discount |
| Claims process | In-app claims + phone + retail centers | Allstate mobile app + agent + 24/7 phone |
| State availability | Limited — varies by state | All 50 US states |
| AM Best financial rating | Varies by underwriter | A+ (Superior) |
| Membership requirement | RMO membership | No membership required |
Comparison details summarized for context. See RMO MyAuto plan documents and Allstate’s published policy materials for complete coverage terms, conditions, and exclusions.
Both insure cars. They differ on service style, ecosystem benefits, and where they tend to win.
Join RMO to access MyAuto plus dozens of other member benefits.
Pick a tier and request a quote based on your vehicles, drivers, coverage limits, and deductible.
Bind MyAuto with an effective date, then cancel Allstate as of that date through your agent or the Allstate website. Overlap one day to avoid any gap.
Auto insurance pricing depends on state, driving record, age, credit (where allowed), vehicle, mileage, and coverage selections. The only reliable way to compare is to get a quote from each insurer with identical coverage limits and deductibles. Allstate is generally considered a higher-priced national carrier; many shoppers report finding cheaper rates with direct insurers and bundle-based providers like RMO.
Allstate has its own roadside service plus an Allstate Roadside Services standalone product (separate purchase). RMO offers MyMember Roadside as a bundled member benefit through RMO Roadside Services. Both cover towing, lockouts, fuel delivery, jump-starts, and tire changes; coverage limits and trip distances vary by tier.
Allstate Drivewise is a usage-based program that may earn discounts for safe driving; Milewise is a pay-per-mile program for low-mileage drivers. RMO MyAuto Plus and higher tiers offer discount opportunities including driving-behavior considerations; specific telematics availability varies by state. Confirm during quote.
Get a MyAuto quote, bind the new policy with an effective date, then cancel your Allstate policy on or after that date by calling your Allstate agent or using their website. Overlap coverage by one day to avoid any uninsured gap. Allstate typically issues a prorated refund for the unused portion of your premium.
This depends on personal preference. Allstate is built around a network of local agents, which some customers value for in-person service and claims advocacy. RMO MyAuto is a direct-to-member model with member services available by phone, app, or in-person at RMO retail centers. If you rarely interact with your agent, switching to a direct model may save money.
Join RMO and access MyAuto along with the rest of your member benefits.
