Allstate auto insurance coverage
You can find insurance policies from Allstate auto insurance to fit your needs and stay fully protected. Here’s a breakdown of the coverage options the company offers:
Liability coverage
This coverage applies to your liability in the event of injury or death or if you damage another person’s vehicle and you’re at fault. It protects you when you accidentally harm others, but unfortunately, it doesn’t cover any property damage or injuries for yourself.
Collision coverage
If you’re in a collision with another vehicle or an object such as a street light or pole, collision coverage can pay for the costs related to your damage. This is great for covering collision-related damage but doesn’t cover all types of damage to your vehicle.
Comprehensive coverage
If you want to fill the gap and include other types of damage to your vehicle, such as from a fire, theft, or pesky debris on the highway, comprehensive coverage has you covered. This ensures you’re protected in a variety of scenarios.
Uninsured/underinsured motorist coverage
Getting into an accident with a driver without any or enough car insurance could be a major hassle. With uninsured/underinsured motorist coverage, you’ll get help with expenses if the other party is at fault and without coverage. This can be a much-needed safeguard in the unfortunate event you’re in an accident with a driver who doesn’t have car insurance.
Medical payments coverage (MedPay)
This coverage is for you and any passengers in your vehicle if you’re injured in an accident, and it helps with medical payments.
Personal injury protection (PIP)
Similarly, personal injury protection can offer additional coverage if you’re hurt from a qualified accident. This may cover part of your income or childcare expenses and more.
Additionally, Allstate offers some different coverages, including:
Roadside assistance: If you’d like to be protected if you get a flat tire or if your car dies and you need a jump start, roadside assistance coverage is a good idea.
Personal umbrella policy: This option provides higher limits of coverage than what’s traditionally offered with liability coverage. So if you want more protection, this can cover you with higher limits.
Rental reimbursement coverage: If your vehicle is getting repaired after an eligible and covered accident, this can help reimburse the cost of a rental car while you’re without a car.
How to get a car insurance quote from Allstate
It’s possible to get a quote through the Allstate website or one of the company’s insurance agents. But there’s another easy option that helps you compare Allstate with other insurance providers. You can use an online quote-comparison tool like Insurify. Simply input your ZIP code and provide information about your vehicle, miles driven, and personal information to get quotes from various providers, including Allstate.
That way, you can see prospective quotes from Allstate car insurance alongside other reputable insurers to make sure you get the best rate.
Allstate car insurance cost by state
Most states have minimum car insurance requirements for drivers. The type of coverage that’s required and where you live can affect your car insurance rates. Below are the most populous states and the average monthly rate for Allstate full-coverage and liability-only insurance.
Based on the rates in the table below, Allstate provides its lowest average monthly cost for liability-only insurance in Massachusetts, at just $46 per month. New York has the highest average monthly rate for liability-only insurance with Allstate, coming in at a steep $591 per month.
Actual quotes may vary based on the policy buyer's unique driver profile.
Allstate auto insurance rates by driving history
Your driving history is a primary factor that affects your car insurance rates. A history of speeding tickets or at-fault accidents can raise your premiums.
These violations or infractions can look like an added risk to your insurer, so your rates will go up. The table below shows how differences in driving history affect Allstate coverage rates for both full-coverage and liability-only policies. For example, drivers with a DUI pay about 66% more per month for full-coverage insurance than motorists with a clean driving record.
Quote Price by Driving Record
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Allstate car insurance cost by age
Age is also a risk factor that car insurance companies consider when setting rates. Certain age groups, such as teen drivers, tend to be at greater risk, which can mean higher premiums.[4] The table below illustrates how age can drastically affect car insurance rates. For example, an 18-year-old driver insured by Allstate will pay about 101% more for car insurance than a driver in their 70s.
Quote Price by Age Group
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Allstate car insurance discounts
Another way to save on car insurance is by qualifying for certain discounts. The good news is that Allstate offers various discounts, which can help reduce the overall cost of the policy. Allstate discounts include:[5]
New-car discount: If you purchase a brand-new car within the current calendar year or the previous year, you may qualify for this discount.
Multiple-policy discount: If you bundle your insurance and have more than one insurance policy with Allstate, you’re eligible for a multi-policy discount.
Early signing discount: If you’re able to sign your insurance policy paperwork seven days before the effective date, you can qualify for this discount.
FullPay discount: If you’re financially able to pay for your policy up front and in full, you can qualify for this discount.
Smart student discount: If you meet certain requirements, such as keeping a 2.7 GPA or higher, or partake in the teenSMART driver program, you may be eligible for this discount. To qualify, students must be under the age of 25 and not married.
Antilock brake discount: Safety can help you score savings. If you have antilock brakes on your vehicle, you may be eligible for this discount.
Anti-theft device discount: Having an anti-theft device in your vehicle can help add extra precautions and can lead to savings with this discount.
EZ pay plan discount: If you set up automatic payments for your car insurance premiums, you can qualify for this discount.
Allstate eSmart discount: If you save on paper, you can save money. Sign up for paperless and get an e-policy instead to score this discount.
Responsible payer discount: If you make payments on time and haven’t had a cancellation notice for nonpayment in the past year, you can qualify for this discount.
Safe-driving club: If you meet certain requirements that are considered part of safe driving, you may qualify for this discount.
Allstate Insurance bundling options
Bundling your insurance policies — having several policies with one insurance provider — is one way to lower the cost of car insurance.
Allstate’s bundling packages include:
Home insurance and auto insurance
Renters insurance and auto insurance
Renters insurance and motorcycle insurance
You may be able to get a discount of up to 25%, though that can vary, when you bundle a home and auto policy, according to the company website.
