Allstate Car Insurance Review 2021

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  • Quick look: Allstate car insurance
  • What coverages does Allstate offer?
  • How much does Allstate auto insurance cost?
  • Who qualifies?
  • Discounts
  • Additional services
  • Things to keep in mind
Drivers who switch to Allstate with Jerry save an average of $1,168 per year on their car insurance.
If you’re looking for car insurance, few things are less thrilling than completing form after form—not to mention dealing with the follow-up sales calls.
Jerry is an AI-powered comparison shopping app that makes finding great insurance rates easy (without all the little parts you dread). Sign-up takes just 45 seconds, after which you’ll get to browse competitive quotes, choose the one you like best, and finalize it—all without making a single call or filling out a long form.
Here are real quotes from Jerry users:
Quote DateCar MakeCar ModelStateCityAge
Annual Savings after Switching to Allstate with Jerry
2021-08-20ToyotaCamry LEOHCincinnati21-24$1,068
2021-04-22PontiacG6 Value LeaderCALancaster18-20$2,772
2021-05-05LincolnMKZ ReserveTXKilleen35-44$1,740
2021-08-05DodgeCharger SXTAZPhoenix25-34$720
2021-03-16Alfa RomeoGiulia TITXEl Paso35-44$204

Quick look: Allstate car insurance

Good for
Wide range of coverage options
Well established with good financial strength and reliability
Good customer satisfaction

What coverages does Allstate offer?

Allstate is known for providing a wide range of coverage options—some mandatory in most states, others not. Here’s a rundown of what they offer:

Most common coverages

  • Liability insurance: Liability insurance is mandatory in most states. It includes bodily injury liability and property damage liability, both of which protect other drivers if you’re at fault in an accident.
  • Comprehensive insurance: Comprehensive coverage is optional in every state, but you may be required to purchase it if you’re leasing or financing your car. It pays for damage that is not the result of a collision—such as from severe weather, vandalism, or theft.
  • Collision insurance: Collision coverage is optional but, again, might be mandatory if you’re leasing or financing your car. It pays for damage to your car that is the result of a collision with another vehicle or stationary object.
  • Uninsured/underinsured motorist protection: Uninsured/underinsured motorist protection reimburses you for expenses stemming from an accident caused by a driver without insurance. Instead of suing the driver, your insurance company covers your costs. This coverage is especially important if you live in a state with a high percentage of uninsured drivers.
  • Medical payments coverage: MedPay covers medical costs for you and your passengers if you’re injured in a car accident—even if you were at fault. MedPay is required in a few states, but optional in most.

Helpful add-ons

  • Accident forgiveness: If you have accident forgiveness on your policy, your rates won’t increase after an accident—even if it’s your fault.
  • New car replacement: If you total your new car within the first two model years, this coverage pays for the cost of a new car—not just for the actual cash value of the one you totaled.
  • Roadside assistance: Sometimes known as towing and labor coverage, roadside assistance helps with things like towing, battery boosts, and flat tires.
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How much does Allstate auto insurance cost?

The average annual car insurance premium for minimum insurance with Allstate is $1,486. And for full coverage that offers greater financial protection, the average premium is $2,347.
Insurance companies weigh many different factors when calculating your insurance rates, like your vehicle type, driving history, and personal profiles—so premiums can vary greatly from driver to driver.
Here’s the average monthly payment for minimum and full-coverage insurance with Allstate:
Average Monthly Cost for Minimum CoverageAverage Monthly Cost for Full Coverage
$125$218
Younger drivers insured with Allstate typically pay $2,045 per year, while older drivers tend to pay less—an average of $2,289 per year.
Age is a primary factor for insurers when setting premiums. Statistics show that teenage drivers are almost as three times as likely than drivers over 20 to get into an accident, and that risk means they pay far higher rates than the average driver.
Here’s what drivers pay with Allstate based on their age group.
Age GroupAnnual Cost
Annual Savings after Switching to Allstate with Jerry
18-20$2,139$1,273
21-24$2,106$1,105
25-34$2,016$1,020
35-44$1,898$956
45-54$1,716$854
55-64$1,770$743
65+$1,728$1,115

Who qualifies?

Allstate offers insurance to drivers of all ages, though they are not known for offering inexpensive options for young drivers.
While Allstate insures drivers with recent accidents (aka, high-risk drivers), premiums are typically high and drivers may be able to find cheaper insurance elsewhere.
Here’s the average annual cost of Allstate insurance for drivers with an infraction on their record.
Driving InfractionAnnual Cost
Annual Savings after Switching to Allstate with Jerry
Clean Record$1,935$997
Defective Equipment$2,003$1,300
Cell Phone$1,374$1,026
Suspension$2,273$1,073
DUI$2,033$932
Careless Driving$2,134$1,192
Open Container$1,196$544
Driving on Sus. License$2,511$1,261
Speeding over 15$2,044$1,236
Seat Belt$1,892$388
Failure to Obey Traffic Sign$2,707$1,251
Speeding under 15$2,265$1,177
Illegal Turn$2,284$1,708
Racing/Drag Racing$1,444$596
Vehicle Theft$1,756$4,304
Wrong Way/Wrong Lane$1,659$1,467
Improper Passing$2,625$868
Other$2,357$1,257
Key Takeaway Allstate offers insurance for drivers of all ages, but it might not be the most affordable choice for young drivers.
**Allstate insurance is available in all 50 states and Washington, D.C.
As a licensed broker, Jerry can help you compare and purchase car insurance no matter where you live. In less than a minute, you’ll be browsing through dozens of competitive quotes from top insurance providers.
Once you select your top pick, Jerry takes care of finalizing the paperwork and cancels your old policy.
Here’s the average annual cost of Allstate insurance based on state.
StateAnnual Cost
Annual Savings after Switching to Allstate with Jerry
AL$1,578$441
AR$2,288$1,139
AZ$1,539$759
CA$1,940$983
CO$2,254$1,137
CT$2,102$1,153
DC$2,249$711
DE$2,638$1,340
FL$2,477$1,137
GA$2,062$1,164
IA$1,583$917
ID$1,541$1,050
IL$1,873$901
IN$1,998$317
KS$792$468
KY$1,818$1,409
LA$2,301$1,609
MA$1,059$1,341
MD$1,926$1,079
ME$933$627
MN$1,406$869
MO$1,826$1,040
MS$1,826$1,040
NC$2,107$832
NE$2,330$974
NH$1,356$1,704
NJ$4,458$1,605
NM$1,672$253
NV$2,029$1,554
NY$3,389$1,359
OH$1,412$727
OK$1,736$660
OR$1,698$984
PA$1,892$784
RI$2,608$1,381
SC$2,074$1,001
SD$744$840
TN$1,561$799
TX$1,603$927
UT$1,551$954
VA$1,624$1,051
VT$784$2,816
WA$1,800$1,008
WI$1,145$1,020
WV$1,415$1,719
Key Takeaway Using Jerry can help you find the best coverage at the most affordable price, regardless of your state.

Discounts

Allstate offers a variety of discounts to help policyholders reduce the cost of their car insurance premiums. While the discounts tend to be fairly small individually, they can be combined to make a sizable dent in your annual rate.
Here are some of the most common driver and vehicle-based discounts offered by Allstate:
DiscountDescription
New carIf you purchase a policy for a new vehicle, you might be eligible for a small discount
Good studentFull-time students under the age of 25 can earn a discount for maintaining good grades
Student away from homeStudents residing more than 100 miles away from their listed home address may be eligible for a student discount
Safe drivingIf you meet the safe driving requirements that Allstate sets out, you can be rewarded with a discounted rate
SafetyVehicles with anti-lock brakes and /or an anti-theft device may qualify for insurance savings
DrivewiseGood driving habits tracked by Allstate’s telematics program can save you up to 40% on your premium
MilewiseLow-mileage drivers can benefit from reduced premiums, with discounts based on annual mileage and safe driving behaviors
Here are some common policy-based discounts with Allstate.
DiscountDescription
Multi-lineBundling auto and home insurance can save you up to 10% on your car insurance premium and up to 25% on your home insurance
EZ PaySetting up automatic payments can earn you a small discount
eSmartGoing paperless makes things easier for you and provides a small discount
FullPayIf you pay your entire premium in full at the beginning of the term, you’ll receive a discounted rate
Responsible payerPaying your monthly premium on time for at least a year can qualify you for a discount
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Additional services

Allstate offers Drivewise, a telematics insurance program that uses a mobile app to driving behavior. Allstate measures things like driver speed, braking habits, and the time of day and uses that information to determine premiums.
Drivers who display safe driving habits save more on their insurance—up to 40%, according to Allstate.
As one of the largest insurance companies in the country, Allstate has a hearty lineup of other insurance products:
  • Homeowners / renters / condo
  • Life
  • Landlord
  • Motorhome
  • Pet
  • Motorcycle
  • Boat and watercraft
  • Off-road vehicles and ATVs
  • Classic cars
  • Umbrella

Things to keep in mind

Payment options

Allstate allows policyholders to pay via myAllstate, online, or by calling a customer service representative. You can also set up an automatic payment plan or pay your premium in full at the start of the term—both of which can earn you a small discount on your insurance rates.

Cancelation policy

If you want to cancel your insurance with Allstate, you’ll need to contact your local Allstate agent. You may need to provide a written request to cancel.
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