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Published: May 30, 2018Last updated: October 18, 2022

Allstate Car Insurance Pricing 2022

Learn what you could pay for auto insurance with Allstate.

Allstate has been offering protection for life’s uncertainties for over 90 years. As one of the largest national insurers, Allstate offers a broad reach and range of products. You should consider Allstate if you want accessible local agents and a single company for all your insurance coverage needs. We detail what you can expect to pay with Allstate, the company’s standout features, and how to get in contact with an agent.

Car Insurance Rates for Allstate Auto Insurance

When it comes to annual average insurance premiums, Allstate ranks higher than most car insurance companies’ national average rates. Allstate’s average annual rate ranges from $916 to $2,438. The price you pay will depend on many factors like driving history and the types of car insurance you want. You can also save money if you bundle with homeowners insurance, or use pay-per-mile insurance.

Here are some different cases where rates will differ from person to person:

  • Minimum coverage: The average annual cost for minimum coverage is $954.
  • Full coverage: The average annual cost for full coverage increases considerably to  $2,324.
  • For teen drivers: The average annual cost for drivers 17 and under is $7,024. Compared to other age brackets, teens have the highest rates.
  • For senior drivers: The average annual rate for drivers over 60 drops significantly to $1,546.
  • After a speeding ticket: The average annual rate after one speeding ticket is $1,827.

Discounts With Allstate

Lower your annual rates with discounts tailored to your driving habits and policy management preferences. From safety features to payment options, Allstate has plenty of discounts to lower your premium rates.

Discount Discount qualification Discount amount
Multiple policy You have multiple policies with Allstate. 10%
Anti-lock brake Your car has anti-lock brakes. 10%
Anti-theft device Your car has an anti-theft device. 2%-10%
New car Your car is a current model year or one year prior and you are the first owner. 8%-10%
EZ pay plan You set up automatic withdrawal for paying your premium. 5%
Allstate eSmart You go paperless by signing up for ePolicy, a simple way to view insurance documents online. 10%
Early signing You sign your policy 7 or more days before it goes into effect. 10%
FullPay You pay your policy in full. 10%
Responsible payer You did not receive a cancellation notice for nonpayment in the past year. 5%
Safe driving club You meet and maintain the club’s safe driving requirements. 5%
Smart student You are unmarried, under 25 and have either a B- or above, a GPA of 2.7 or above, successfully completed the teenSMART driver education program, or attend school at least 100 miles away from where your car is garaged. 5%

Favorite Features

Extended Vehicle Care

Allstate’s extended vehicle care protects you from repair costs after the manufacturer’s warranty expires. Most manufacturer’s warranties cover your car for three years and 36,000 miles, whichever happens first. Allstate extends this coverage to seven years and 100,000 miles of protection.

Extended vehicle care with Allstate offers you:

  • Repair cost coverage: Whether it’s repairing your engine or electrical, Allstate will pay 100 percent of parts and labor costs after a $50 deductible.
  • Your choice of mechanic: No matter the shop you choose, you’ll get the cost of a mechanic reimbursed as well as rental car costs.
  • Repair resolution on your behalf: Once you choose your mechanic, Allstate will get you the repairs you need.
  • Price transparency: You’ll get complete clarity on fair pricing and can cancel anytime.

Deductible Rewards

Allstate’s Deductible Rewards program offers an immediate $100 off collision coverage and another $100 in deductible savings for every year you drive without an accident. These rewards can lower your collision coverage up to $500. If your deductible is less than $500, you could pay no deductible for a collision insurance claim, potentially.

Claim Satisfaction Guarantee

If you are unsatisfied with your claim payout or experience, Allstate will give you a six-month credit towards your premium payments. This guarantee comes with all-standard Allstate policies.

You can qualify for Allstate’s claim satisfaction guarantee if:

  • You have an active insurance policy with Allstate.
  • Allstate made a claim payout.
  • You mailed a letter explaining your dissatisfaction within 180 days of the accident to:
    • Allstate Insurance, CSG
    • P.O. Box 13084
    • Roanoke, VA 24031-3084
  • You haven’t made another claim on the same vehicle.

Allstate’s claim satisfaction guarantee is not available in the following states:

  • Alaska
  • California
  • Florida
  • Hawaii
  • Maryland
  • New Hampshire
  • North Carolina 
  • North Dakota

Safe Driving Bonus

By enrolling in Allstate’s Safe Driving Bonus program, you will earn a bonus every six months without an accident. You will receive these bonus payouts automatically as a credit toward your policy premium. It benefits everyone on the road when drivers are responsibly practicing safe driving. Get rewarded for slowing down at crosswalks, using your lights in the rain properly, and switching lanes to share the road with bikes and scooters.

Where Is Allstate Available?

Allstate is available in all 50 states in addition to Washington D.C. You can browse Allstate’s agent directory by city or state anytime on its website.

Cancellation Policy

To cancel your policy or account with Allstate you can:

  • Contact your agent by phone or in person.
  • Call customer service at 800-225-7828.
  • Mail a letter to:
    • Allstate Insurance Company
    • PO Box 660598
    • Dallas, TX, 75266-0598

Be sure to Include your name, address, phone number, policy information, and the date you wish to end your policy.

You can schedule your cancellation for the future or stop car insurance coverage immediately. Allstate will refund you the unused portion of your premium if you paid in full. There is no fee or penalty for canceling early.

CheckTip:

If you are switching insurers, you should activate your new policy before canceling your current one. This will prevent a lapse in coverage in the event of an accident, which could increase your premium.

Company Background

Allstate’s tagline, “You’re in good hands,” has been the core of its services for over 70 years. Sears executives started Allstate by having agents work out of its department stores across the country. Take a look at some of the milestones in Allstate’s nearly century-long presence in the insurance industry:

  • 1931: Starting in a one-room headquarters, Allstate insured its first vehicle at $41.60 a year and paid its first claim for a door handle pried off by a car thief. Allstate has 4,217 active car insurance policies in its first year.
  • 1950: Allstate introduced the “You’re in good hands” slogan.
  • 1952: The Allstate Foundation was created to support community-based organizations and encourage the commitment to corporate responsibility.
  • 1993: Allstate became a publicly traded company. Two years later, Sears sold its remaining shares and Allstate became 100 percent publicly held.
  • 2020: Allstate gave nearly $1 billion to customers impacted by the COVID-19 pandemic through its Shelter-in-Place Payback.1

Allstate Contact Information

The best way to stay in contact with Allstate is through your online account. You’ll have 24/7 access to tracking claims, managing policies and online documents, and more. If you are looking for one-on-one help, reach out to your local Allstate agent or visit Allstate’s online help center for claims, quotes, payments, billing, policy changes, coverage help, and general inquiries.

Based on your inquiry, you can also get in contact with Allstate by phone, email, or mail. For general inquiries call 1-800-676-5456 or fill out Allstate’s contact form to get in touch with a representative by email.

CheckFYI

If you’re looking to get your insurance questions answered quickly, refer to Allstate’s FAQ pages, search in its mobile app, fill out its email form, or tweet @Allstate on Twitter.

Conclusion

To learn more about Allstate, check out the frequently asked questions below or read our Allstate insurance review. There are plenty of options when it comes to choosing the right insurance company, so feel free to explore our general breakdown of auto insurance companies.

Frequently Asked Questions

Will my premium with Allstate increase after a claim?

Your premium may increase after a claim. Your prior claims, the type of claims you’ve made, and how long you have been with Allstate can all impact your car insurance rates.

Can I switch from one Allstate agent to another?

Yes, if you are staying with the same carrier you can switch agents at any time and transfer your existing policy.

Does Allstate have a grace period for payments?

Yes, you have up to 30 days to make payments with Allstate. During the grace period, you can pay past-due premiums to avoid a lapse in coverage. If you don’t make a payment within the grace period, Allstate will cancel your policy.

Citations

  1. Our History. (2022). Allstate.
    https://www.allstatecorporation.com/about/our-history.aspx