Allstate ratings and coverages

How much does Allstate auto insurance cost?

Car insurance rates vary greatly from person to person. That's because they're based on many of your unique characteristics including your age, marital status, credit score, where you live and the company you choose.

In the graph below, you can see the average cost of Allstate car insurance compared to the national average cost of car insurance. The graph is split into four categories: teen driver, single adult, married couple and senior driver.

The average Allstate car insurance rates for all four driver profiles are slightly higher than the national average cost of car insurance. Please note that these are average car insurance rates based on specific profiles and your rate could be higher or lower based on your unique characteristics that affect car insurance rates.

You can get insurance quotes online or contact a local Allstate agent, which you can find on Allstate’s insurance agent search page. However, online quotes are not always available; in some zip codes, you can’t get a quote online, so you’ll need to contact an agent for more information.

How much does Allstate homeowners insurance cost?

Homeowners insurance rates vary based on a number of factors specific to you and your home. including the location of your home, your home's condition and age, the size and type of home, the crime rate in your area, your claim history and your credit score.

In the graph below, you can see the average cost of Allstate homeowners insurance compared to the national average of homeowners insurance. The graph is split into two categories: a home worth $200,000 and a home worth $400,000.

The average Allstate homeowners insurance rates for both home profiles are ower than the national average of homeowners insurance. Please note that these are average homeowners insurance rates based on specific profiles and your rate could be higher or lower based on your unique characteristics that affect homeowners insurance rates.

What discounts does Allstate offer?

Allstate offers a variety of different money-saving offers in order to give customers quality insurance coverage at a lower cost. With these discounts on policies, you may be able to find affordable options, more than with other major insurance companies.

Discounts are available with auto and home insurance from Allstate, but discounts may not apply in all states. Individual policies, rates, payment plans, and discounts vary depending on location and the type of coverage.

Consult with an Allstate agent to learn more about what discounts you qualify for.

Allstate Auto Insurance Provider Discounts

Here is a review of the Allstate discounts list for auto insurance.

• New Car Discount: Allstate drivers can save up to 15 percent by being the first owner of a current model car, or a car that’s one model year prior.
• Anti-Lock Brakes: Allstate drivers can save 10 percent if they own cars equipped with anti-lock brakes.
• Anti-Theft Technology: Allstate customers can save 10 percent by owning a car equipped with an anti-theft device.
• Multi-Policy Discount: By combining your auto and home insurance or auto and life insurance policy with Allstate, customers are able to receive discounts on both.
• Smart Student Discount: Allstate drivers who are under 25 and unmarried are eligible for discounts if they are a full-time student getting good grades, if they successfully complete Allstate’s teenSMART driver education program, or if they attend a school more than 100 miles away from their car.

Allstate homeowner insurance discounts

Now, let's look at Allstate's list of homeowner insurance discounts.

• Multi-Policy Discount: You can save up to 30 percent by insuring your home and auto together with Allstate.
• Easy Pay Plan: Setting up automatic payments with Allstate could save you up to 5 percent.
• Claim-Free Discount: Customers who switch to Allstate without a home insurance claim could earn a 20 percent discount.
• Early Signing Discount: Signing up for a new Allstate policy before your current one expires could save customers up to 10 percent on their home insurance premium with Allstate.
• Home Buyer Discount: Purchasing a newly constructed home could save customers up to 10 percent with Allstate.
• Safe Home Discount: Homes equipped with additional protections against fire and theft could save Allstate customers up to 15 percent.
• Welcome Discount: New Allstate customers can save up to 10 percent off their insurance premium for the first two years.
• 55 and Retired Discount: Allstate customers who are over the age of 55 and retired are eligible for a savings of 10 percent on their home insurance.
• Additional Allstate home insurance discounts include smoke-free home, homes with storm shutters, homes with hail-resistant roofs and more

Allstate FAQs

Does Allstate accident forgiveness work?

Allstate offers accident forgiveness as an add-on coverage to an Allstate car insurance policy. The way it works is that your car insurance rates won't go up just because you've had an accident even if it was your fault.

Accident forgiveness protection is effective on the day you sign up for it.

How much is the average Allstate Safe Driving Bonus check?

Allstate rewards safe drivers with a Safe Driving Bonus twice a year. This is a benefit that you can add on to your Allstate car insurance policy. You'll get a bonus every 6 months you don't have an accident.

With the Allstate Safe Driving Bonus, you can get $100 off your collision deductible the day you sign up for this benefit and an additional $100 off every year you drive accident free for up to $500 off total.

How does Allstate Drivewise work?

Allstate Drivewise is Allstate's driver tracking program. Drivewise uses telematics technology through a mobile app to track drivers' habits while behind the wheel. The purpose of the program is to offer discounts to drivers who prove to practice safe driving habits.

Drivewise monitors your speed, accelerating or braking and what time of day you drive at. Unlike some of the other driver tracking programs, Allstate Drivewise won't raise your rates if you don't prove to be a safe driver according to the standards of the program. You can learn more about the program by reading Clearsurance’s Allstate Drivewise review.

Does Allstate Drivewise save drivers money?

Allstate Drivewise is a driver tracking program that monitors your driving through a mobile app and offers you a discount if you practice safe driving habits.

Drivewise rewards safe drivers with cash back every 6 months and points in the Allstate Rewards program, which can be redeemed for gift cards and other rewards. Allstate offers up to 10 percent cash back just for signing up for the Drivewise program and a possibility of earning 30 percent cash back every 6 months.

If you're generally a safe driver who doesn't drive high speeds, doesn't drive an excessive amount of miles and drives at hours that Allstate considers safer than others, you could see savings on your car insurance with Drivewise.

It's also important to note that your rates won't increase at all with Drivewise.

More about Allstate insurance

Allstate's website is a great place to learn more about Allstate's offerings, make a payment, submit a claim, or request support from a licensed insurance agent. Allstate's website also has guides indicating the minimum requirements by law for insurance in each state, as well as what most people in that state have for coverage.

Allstate's mobile app offers direct access to everything Allstate has to offer. It lets you connect with an agent, access digital identification cards and Allstate policy documents, manage claims, file claims with Allstate's QuickFoto option, access roadside assistance, get parking reminders, find gas stations and more.

Local agents at the customer service department are available via phone, typically 24/7, however, it depends on the individual agent. You can also contact the general hotline or send an email through Allstate’s website contact form, and via its app to file a claim.

Allstate offers a discount on Cellcontrol, a technology solution that prevents teen from driving while distracted. Cellcontrol helps parents ensure that their teens do not use their cellphone while driving, as it blocks certain apps, such as social media, texting and email, while the vehicle is in motion.

Allstate’s Good Hacks service allows users to get help with household tasks from Alexa devices. Good Hacks allows users to ask Alexa questions (like “How do I clean spilled coffee from a carpet?”) and get info on household hacks.

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