How Much is Allstate Car Insurance

How Much is Allstate Car Insurance

How Much is Allstate Auto Insurance Per Month?

According to our car insurance quotes research, Allstate is one of the more expensive car insurance companies in the United States. The average car insurance cost that you will receive from Allstate for full coverage is $1,850 per year or $154 per month. The lower end was mostly made up of 60-year-old drivers with a clean driving record, while the higher end mostly covered 25-year-old drivers with a clean driving record as well.

This particular study did not include drivers with poor credit, or mentioned drivers who had bad driving records or required SR22 coverage.

So Allstate full coverage insurance cost is $154 per month or $1,850 per year on average. 

Allstate car insurance cost for minimum coverage is $65 per month or $785 per year on average.

This makes Allstate car insurance rates among the most expensive auto insurance rates from the companies that we reviewed.

Coverage TypeCost Per MonthCost Per Year
Full Coverage$154$1,850
Minimum Coverage$65$785
GAP CoverageN/AN/A

Allstate typically allows policyholders to choose between six-months and twelve-month policies, depending on how long they want their car insurance policy to last, whether or not they bundle their home insurance with auto insurance and other factors.

Allstate may offer a slight discount for signing up for a longer twelve-month policy and for paying the entire policy upfront in one payment. However, most drivers end up paying a smaller monthly amount as it’s more affordable.

So, using the information obtained from our research, a policyholder with a $2,000 per year full-coverage policy would pay around $167 per month, plus any taxes and fees that apply.

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Allstate auto insurance premium length

Allstate offers policies with a 12 month duration, but you can choose how often you pay your premium. Policyholders can choose to pay one lump sum upfront, pay every six months, or opt for payments on a monthly basis. 

With a year-long policy, your coverage, discounts and rate won’t change until your policy renewal period. Only once the 12 month term is up can Allstate increase your rate, whether it’s due to an accident, traffic citation or change in your credit score. Although some conditions or fees may apply, policyholders can choose to switch insurance providers whenever necessary.

Frequently Asked Questions

  • Allstate offers quality coverage with plenty of opportunity for discounts, especially for customers covering young drivers. But for those without discounts, the monthly and yearly rates are more expensive than some other insurance providers. Allstate’s customer service and programs around decreasing deductibles, accident forgiveness, and multiple products draw customers.

  • On average, Allstate customers pay $62 every month. Drivers with a clean record see favorable rates with Allstate with average premiums of $56 per month, which is $21 cheaper than the national average rate of $77 per month. Drivers with violations in their driving history also see lower than average rates with Allstate.

  • Allstate offers a collection of driver-based, policy-based, and bundling discounts for customers. Customers with young drivers, especially those in school, have the opportunity to receive substantial discounts. Drivers enrolled in any of Allstate’s programs, including Deductible Rewards, Accident Forgiveness, and Drivewise, typically decrease their rates noticeably.

  • Finding the cheapest insurance varies for everyone, based on insurance needs and driver history. Insurify’s quote-comparison tool helps make these decisions a little easier by allowing you to compare top providers from the convenience of your home. Whether it’s Allstate, GEICO, State Farm, or somewhere in between, find a provider with cheap rates that work for you.

Allstate Car Insurance Reputation

Allstate car insurance ranks generally well for claims and customer satisfaction, financial strength, and affordability. The average monthly cost for a policy with Allstate is $62.

Allstate offers numerous insurance policies for motorists, including the standard coverage offerings for liability, collision, and comprehensive insurance. Other coverage add-ons include underinsured and uninsured protection, loss of use, personal injury protection, rental car reimbursement, towing, new car replacements, medical payments, and rideshare insurance.

In addition to its car insurance policy offerings, Allstate offers coverage for other vehicles, including motorcycles, RVs, boats, and classic cars. The insurance company also provides customers with options for business, homeowners, renters, and life insurance coverage. Another insurance product available is pet insurance to help with any expensive medical bills.

Allstate Customer Service

Generally speaking, Allstate customers seem to appreciate the customer service available at Allstate. Eager agents and an accessible mobile app make tasks like filing claims or inquiring about a policy question feel easy. Customers tend to really value Allstate’s Accident Forgiveness program, as well. Some customers cite frustrations with increasing insurance rates.

Allstate Claims Filing Process

Allstate provides a fairly simple claims-filing process. Insurance claims can be filed 24/7 online, by phone at 1 (800) ALL-STATE, or through the mobile app, which even has a convenient QuickFoto Claim feature. The express line for glass claims is 1 (800) 626-4527. Claims can be tracked online or through the app while drivers’ vehicles are repaired and claims are settled.

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Additional factors that affect car insurance rates

In addition to your state requirements, vehicle type, age (except in Hawaii and Massachusetts), driving record and gender (in most states), several other common rating factors will impact your auto insurance premium.

    • Your car insurance coverage options have a significant effect on your rate. If you select higher liability limits, choose lower deductible levels or add endorsements, your rates will likely be higher.

    • If you’ve had continuous car insurance for the length of time you’ve been a licensed driver, you may pay lower rates. Lapses in your insurance coverage (unless you did not own a car during that time) can be an indication of high-risk behavior and may increase your premium.

    • The more you drive, the more likely you are to get into an accident. Policyholders who drive fewer miles a year often qualify for lower rates (although this mileage designation varies by company).

Recap of the cheapest car insurance quotes in Florida

Minimum coverage: Geico Full coverage: Geico After a speeding ticket: State Farm After an at-fault accident: State Farm After a DUI: Geico Poor credit history: Geico Married drivers: Geico Senior drivers: Geico Young drivers: Geico Young drivers after an accident: Geico Young drivers after a ticket: Geico

Allstate Auto Insurance Quotes

Drivers Age / Ticket Profile For Good Drivers With At-fault Ticket With DUI Ticket With Speeding Ticket
18 and Under $145 / Month $225 / Month $255 / Month $180 / Month
21 Year Old $115 / Month $175 / Month $198 / Month $142 / Month
25 Year Old $105 / Month $160 / Month $185 / Month $135 / Month
45 Year Old $82 / Month $109 / Month $145 / Month $98 / Month
55 Year Old $80 / Month $105 / Month $135 / Month $99 / Month
65 Year Old $76 / Month $101 / Month $130 / Month $94 / Month

The car insurance rates for drivers who have maintained a clean driving record are approximately 35% more than the national average rates. There is no doubt that car insurance rates are much high in Allstate insurance companies and along with the increasing number of complaints every day.

Drivers who are finding it difficult to get insurance from other companies can try getting coverage from Allstate. But if you have a clean driving record and you can get insurance from anywhere then save your money.

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How much does car insurance cost by state?

Answering, “How much does car insurance cost?” is a bit complicated, as it varies based on multiple factors, including the state where you live. In addition to individual rating factors, location is important. Traffic volumes, accident and claim reporting rates, as well as theft and vandalism rates, vary in every city.

Cost of living can also impact car insurance premiums. When it comes to repairing a vehicle, the expense of labor and parts can cause repair costs to skyrocket, further increasing premiums in some locations compared to others.

Based on Bankrate’s analysis of 2022 data from Quadrant Information Services, the five most expensive and cheapest states for full coverage car insurance, on average, include the following:

Top 5 most expensive states for car insurance

  • New York: $2,996 per year — 69% above national average
  • Louisiana: $2,864 per year — 62% above national average
  • Florida: $2,762 per year — 56% above national average
  • Nevada: $2,426 per year — 37% above national average
  • Michigan: $2,345 per year — 32% above national average

Top 5 cheapest states for car insurance

  • Maine: $876 per year — 51% below national average
  • Vermont: $1,000 per year — 44% below national average
  • Idaho: $1,065 per year — 40% below national average
  • New Hampshire: $1,182 per year — 33% below national average
  • Ohio: $1,200 per year — 32% below national average

  • State Average annual premium for full coverage insurance Alabama $ 1,760 Alaska $1,770 Arizona $1,743 Arkansas $1,806 California $2,190 Colorado $2,019 Connecticut $1,533 Delaware $1,963 District of Columbia $1,948 Florida $2,762 Georgia $1,985 Hawaii $1,206 Idaho $1,065 Illinois $1,548 Indiana $1,242 Iowa $1,254 Kansas $1,802 Kentucky $1,954 Louisiana $2,864 Maine $876 Maryland $1,931 Massachusetts $1,296 Michigan $2,345 Minnesota $1,692 Mississippi $1,701 Missouri $1,861 Montana $1,795 Nebraska $1,538 Nevada $2,426 New Hampshire $1,182 New Jersey $1,891 New Mexico $1,489 New York $2,996 North Carolina $1,392 North Dakota $1,225 Ohio $1,200 Oklahoma $1,902 Oregon $1,371 Pennsylvania $2,002 Rhode Island $1,847 South Carolina $1,464 South Dakota $1,542 Tennessee $1,383 Texas $1,868 Utah $1,449 Vermont $1,000 Virginia $1,340 Washington $1,313 West Virginia $1,527 Wisconsin $1,249 Wyoming $1,510

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Allstate Vehicle Insurance

Allstate sells insurance for a variety of vehicles and optional coverage types such as:

  • Classic cars
  • RVs, ATVs, motorcycles and boats
  • Roadside assistance
  • Sound system insurance
  • Rental reimbursement
  • Mexico auto insurance

Does Allstate Offer SR-22s?

Yes, Allstate can provide SR-22 insurance. In some cases your state might require you to get an SR-22 from your insurance company. This document proves to the state that you have auto insurance. While the reasons for needing an SR-22 can vary by state, common reasons include having a high number of traffic offenses or causing an accident while driving uninsured.

How driving record affects Allstate car insurance rates

Accidents

Accidents have a major impact on car insurance rates. When you’re involved in an accident, the insurance company raises your rate to compensate for the money they paid you for the loss, as well as to compensate for increased risk of a second accident. Like most insurance companies, Allstate adjusts rates differently for at-fault vs. not at-fault accidents. However, drivers who have accident forgiveness coverage through Allstate may be able to avoid a rate hike after an accident.

Speeding ticket

Speeding tickets will also raise your rate, but not as much as an accident will. With Allstate, your rate will increase by about $234 on average if you have even one speeding ticket on record. The rate increase can also depend on how fast you were driving, and if there were concurrent violations, like reckless driving or running a red light. Most speeding tickets stay on your record for 3-5 years, after which your rate will decrease. 

Poor Credit

Drivers with a poor credit score—typically anything below 500—pay much higher premiums for car insurance. In fact, having a low credit score will raise your rate more than having a single accident or speeding ticket on your record when it comes to Allstate. However, credit scores are something you can actively improve over time. When your policy renews, the insurance company will recheck your credit score and lower your rate if it has improved.

Allstate pricing and discounts

Allstate’s prices tend to be higher than average. According to our rate estimates, the average cost of Allstate insurance is about $2,792 per year in the U.S. for a 35-year-old married driver with good credit and driving history. The national average across all companies is $1,712 for this demographic.

That said, prices are highly dependent on your individual situation and which discounts you qualify for. Our team reached out to Allstate for a comment on pricing but did not receive a response.

Allstate car insurance discounts

Allstate has the following discounts:

  • Anti-lock brake discount
  • Anti-theft discount
  • Multi-policy discount
  • Early Signing Discount®
  • Responsible payer discount
  • Good student discount
  • Teen driver education discount
  • Distant student discount
  • New car discount
  • Auto-pay discount
  • Paperless discount
  • Pay in full discount
  • Safe Driving Bonus® discount

The Drivewise program is operated through Allstate’s mobile app. Also through this app you can view your bill, pay your bill, start a claim, upload photos of your vehicle, view your insurance ID card and more. The app has a 3.6-star rating on Google Play and a 4.8-star rating on the App Store.

What factors influence coverage?

Allstate auto insurance prices can vary widely depending on factors like:

  • Age: Teens typically pay the most for insurance, followed by drivers in their early 20s. 
  • Zip code: Car insurance tends to cost more in densely populated areas.
  • Driving history: At-fault accidents, tickets and convictions raise insurance rates.
  • Credit score: In most states, a poor credit score can increase insurance rates. 
  • Vehicle type: Sedans and crossovers tend to be cheaper to insure than trucks and sports cars.

Bottom line on Allstate

We rate Allstate 8.2 out of 10.0 stars overall for its variety of coverage options and strong industry reputation. Many drivers qualify for discounts, and there are more ways to save with Drivewise and Milewise. However, Allstate insurance reviews aren’t overwhelmingly positive. As you compare options, it can still be a good idea to include an insurance quote from Allstate.

Allstate Insurance Complaints Customer Satisfaction

Customer Claims Satisfaction The customer satisfaction ratings for Allstate insurance are below average. On the other hand; claims satisfaction ratings for the Allstate are average. As per the study by J.D. Power in 2021; AllState has the highest-ranking auto insurance in the Florida region. Moreover; the company has recently earned some extra scores for customer satisfaction rates. The present rating of the company is 870 which is not that bad as compared to the national average score i.e 880.

Consumer Complaints The Allstate company has its own “Claims satisfaction guarantee” program. This helps the consumer service department to manage the complaints and reduce the number of upcoming complaints. The NAIC score of the company is still 2.73 which is much higher than the national median i.e 1. The National Association of Insurance Commissioners (NAIC) keeps the data of all the consumer complaints. And if a company has a complaint score higher than the NAIC average score then it is considered a bad sign.

How to get a low car insurance quote from Allstate

MORE: The Allstate Guy Is Worth a Lot More Than You'd ThinkIt’s important to note that $1,020 is just the average six-month premium from Allstate. No two quotes are the same, and every driver is assessed differently based on their driving record, age, marital status, and plenty of other factors.In addition, Allstate offers several ways you can keep the cost down, including the Drivewise telematics app, which monitors your driving behavior in exchange for a 10% to 25% discount.These “usage-based insurance” apps are a good deal for drivers. While it might seem intrusive, having an insurer see your speed, braking habits, and more, the data is collected anonymously and cannot be used to increase your premiums.Allstate rewards low-mileage customers with cheaper premiums through its Milewise program, and discounts are available for policy bundling, upgrading your anti-theft device, enrolling in school, and a whole host of other things.

Why Did My Allstate Car Insurance Rates Go Up?

Allstate’s accident forgiveness program ensures that you won’t receive an immediate hike in your premiums for getting involved in your first accident. However, if you continue to display an unsafe driving record, get into more accidents, or receive more speeding tickets, then you may see a slight increase in your policy.

Other factors that may cause your Allstate auto insurance rates to go up include:

  • Your credit score dropping or missed payments.

  • Adding a new driver to your auto policy.

  • Purchasing a new vehicle.

  • Modifying or making expensive additions to your vehicle.

What’s the Average Cost of Car Insurance with Allstate?

According to The Zebra, the average annual cost of auto insurance in the United States is $1483. That breaks down to $742 for a six-month policy or $124 each month. A breakdown of some of the top companies and their six-month premiums include the following:

  • Nationwide: $541
  • GEICO: $562
  • Progressive: $627
  • USAA: $636
  • State Farm: $646
  • Farmers: $788
  • Liberty Mutual: $863
  • Allstate: $1019

Keep in mind that depending on your level of coverage, your premium costs will vary. These average car insurance policies include liability coverage with limits of $50,000 per person for bodily injury and $100,000 per accident for bodily injury as well as $50,000 for property damage. It also includes $500 for comprehensive and collision deductibles. If you lease or finance your vehicle, you might also need gap insurance.

When looking at full-coverage policies, the following companies offer some of the best six-month premiums:

  • Nationwide: $569
  • GEICO: $611
  • USAA: $672
  • Progressive: $673
  • State Farm: $690
  • Farmers: $823
  • Liberty Mutual: $900
  • Allstate: $1070

According to U.S. News and World Report, Allstate has an average premium rate of $1880. This number is just an average, and auto rates vary depending on the type of vehicle, the driver’s personal information, and the amount of insurance purchased.

To determine the average premium rates from Allstate, U.S. News and World Report created driver profiles for men and women in different age brackets. The numbers are based on the driver having a clean driving record, seeking coverage for 12,000 miles annually, wanting medium-level coverage, and having a good credit score.

  • Single 25-year-old female: $2012
  • Single 25-year-old male: $2097
  • Married 35-year-old female: $1853
  • Married 35-year-old male: $1838
  • Married 60-year-old female: $1716
  • Married 60-year-old male: $1763

If you tend to drive more each year, you’re not severely penalized through Allstate. U.S. News and World Report found that a driver who puts 6000 miles on a vehicle each year pays about $1836. Doubling that number only increasing the rate by $45.

Allstate offers auto insurance coverage in three tiers: low, medium, and high. Low coverage has the basic requirements and has an average rate of $1772. Medium coverage comes in at $1880, while high coverage, which usually has higher limits but lower deductibles, has an average rate of $1983.

Credit score also plays a role in insurance costs. Drivers with a good history have some of the lowest rates at Allstate at $1900. Fair credit increases the rates to $2220, while poor credit reaches $3025. That’s about a 60 percent jump from good credit.

Good drivers benefit from the lowest rates with Allstate. According to U.S. News and World Report, those with a clean record pay $1880, while one speeding ticket can increase that price to $2212. One accident raises the rate to $2673, and a DUI hikes the price to $3252.

Methodology

We collected thousands of rates from ZIP codes across Florida for the largest insurers. We used a sample driver with the following profile:

30-year-old man Drives a 2015 Honda Civic EX Has average credit

The base policy for the study was a full-coverage policy with the following limits:

Coverage type Study limits Bodily liability$50,000 per person/$100,000 per accidentPersonal injury protection$10,000Property damage$25,000 per accidentUninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accidentComprehensive and collision$500 deductible

For our minimum-coverage policy, we quoted a policy with the minimum required limits in Florida, which does not include bodily injury liability.

For other rates analyses (credit score, accident history and marriage status), the base policy was adjusted to reflect the new driver. Policies for young drivers are for minimum coverage.

ValuePenguin’s analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

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