With several paths to earning a student discount, Allstate is a good option for teen drivers regardless of their report cards. And the more drivers who sign up for Allstate’s Drivewise safe driving app, the greater the discount will be, making it a good option for families with multiple young safe drivers.
Multiple Paths to Student Discount
Allstate offers three routes to earning its student discount, meaning you may not need good grades to earn a lower rate. You qualify if you’re an unmarried, full-time high school or college student under 25 years old, and fulfill one of the following requirements:
- You have a GPA of 2.7 or higher, or at least a B-minus average.
- You complete the TeenSMART driver education program successfully.
- You attend school at least 100 miles away from where your car is garaged (and are younger than 21).
The TeenSMART driving program includes videos, simulations, and parent-teen activities that teach teens how to drive safely and avoid hazards on the road. Allstate customers receive a $50 discount on the program, at $69.95 per driver. Teens who qualify for the student discount can save around 20 percent on premiums.
Mishaps on the road like a flat tire, running out of gas or battery, or locking your keys in the car are stressful for any driver, especially a new one. Allstate offers three types of roadside assistance, which provide teen drivers and their families peace of mind. Roadside assistance includes flat-bed tow trucks for electric cars, tire changes, lockouts, jump-starts, and fuel delivery, although the fuel itself is at a customer’s expense. You can access roadside assistance through Allstate’s mobile app or by phone.
||Allstate policy required?
||Number of 24/7 roadside assistance visits per year
||Trip interruption benefit (rentals, lodging, meals, etc.)
||Road hazard benefit
||$79 for the first year
||$149 for the first year
||5 (includes RV coverage)
||$119 for a 5-mile tow, $5 for each additional mile
$79 for fuel delivery, jump-start, and other services
$84 for tire change
||Unlimited, but requires payment for each
|Roadside Assistance Add-on Coverage
||About $25 per year per vehicle
||Depends on the level of benefits you choose
||About $25, depending on your policy
In addition, Allstate’s Drivewise app offers a crash detection safety feature. If the app detects a collision involving a car moving 25 miles per hour or faster, you’ll receive a notification that helps you call 911, request roadside assistance, and start a claim.
Due to their inexperience, teens are at a higher risk of causing a car accident than adult drivers.
DID YOU KNOW?
According to the Insurance Institute for Highway Safety, teens are four times more likely than drivers over age 20 to crash for each mile driven.3
Allstate offers an accident forgiveness coverage add-on, which ensures premiums won’t increase even if a teen driver is at fault in an accident. And for every six months without an accident, Allstate customers receive a safe driving bonus of up to five percent on their auto insurance bill.