Does Allstate Have Good Car Insurance Discounts?

From smart student discounts to anti-theft technology discounts, Allstate provides a wide variety of ways to save on your car insurance premium.
Written by Katherine Duffy
Reviewed by Kathleen Flear
From smart student discounts to responsible payer discounts to anti-theft technology discounts, Allstate provides its customers with a wide variety of ways to save on their insurance premiums. 
The hunt for
cheap car insurance
doesn’t stop at finding the most affordable insurance quote for the coverage you need. One of the best ways to save on your premium is by taking advantage of discounts. Insurance companies often don’t advertise every discount they offer, so talking to an agent is the best way to find out what your total savings would be with any provider. 
In the meantime, let’s review the discounts customers might be able to take advantage of when signing up for Allstate car insurance. 

What auto insurance discounts does Allstate offer?

Allstate has a long list of great
car insurance discounts
, and these discounts generally fall into one of three groups: vehicle-based discounts for certain safety features and technology,
safe driving discounts
to reward drivers who consistently display good driving habits, and policy-based discounts, usually awarded for opting to bundle or choose certain payment options. 
Allstate allows drivers to stack discounts they’re eligible for, so the more discounts that you can apply to your policy, the more you could save! 

Allstate safe driver discounts

When drivers consistently prove that they have safe habits on the road, insurance providers often reward these risk-mitigating behaviors with discounted rates on their auto insurance. Here are Allstate’s safe driver discount offerings: 
  • Drivewise: This discount program uses telematics to track your driving habits. You’ll get rewards for maintaining safe driving habits and insights about how to improve your score on future drives. It’s as easy as downloading the app and signing up for the program on your mobile device once you’re an Allstate customer. 
  • Milewise: While not a discount per se, this
    pay-per-mile insurance
    program is geared toward drivers who don’t drive as often as daily commuters do. Members only pay a base daily rate plus the number of miles driven that day to save huge on their insurance. All you need to do is download the mobile app, plug the mile-tacking device into your car, and monitor how much less you pay as an infrequent driver with Allstate. 
  • Safe driving bonus: Enroll in Allstate’s Safe Driving Bonus program and automatically receive a credit to your car insurance policy for every six months you don’t have an accident. For safe drivers, this is an easy way to start saving on insurance! 
  • Deductible awards: Receive $100 off your deductible just for switching to Allstate, and receive an additional $100 off for every year you’re accident-free, up to $500. 
  • Smart student discount: Being a
    smart student
    doesn’t exactly translate into being a safe driver, but it does show that you take responsibility. If you’re a student under 25 who maintains at least a B- average or 2.70 GPA, has successfully completed the teenSMART driver education program, or attends a school at least 100 miles away from where your car is kept, you can qualify for this discount. 
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Allstate vehicle discounts 

Your car’s make, model, and model year all play a part in
how your provider sets your insurance rate
. Typically, SUVs with high safety ratings from NHTSA and IIHS have the lowest insurance premiums, as opposed to powerful
sports cars
and
luxury vehicles
, which have the highest premiums. Even so, there are a few discounts Allstate offers based on your car’s safety features, regardless of its make or model: 
  • New car discount: Allstate discounts insurance premiums for drivers who have a new car from the current model year or one year prior. This is because new cars are typically outfitted with the latest safety technology and because new cars tend to have fewer problems than used ones. 
  • Anti-lock brake discount: You’ll receive a discount on your rate if your car is equipped with
    anti-lock brakes
  • Anti-theft technology discount: Receiving this discount is as easy as installing an Allstate-approved anti-theft device in your car to lower the risk of it being stolen. 

Allstate policy discounts 

Finally, Allstate provides discounts to drivers who bundle their insurance policies, pay upfront, and more. Let’s take a closer look. 
  • Multiple policy discount: When you bundle auto, home, renters, or motorcycle policies together, you may qualify for a multiple policy discount which helps you save on all of your Allstate policies. 
  • EZ pay plan discount: If you opt for automatic withdrawals from your account when payments are due, Allstate will provide you with a discount.
  • eSmart discount: Receive discounts when you choose to go paperless and view your insurance documents online instead. 
  • Early signing: You can save on your policy with Allstate if you sign on at least seven days before it becomes effective. 
  • FullPay discount: You can save on your policy when you pay your premium in full.  
  • Responsible payer discount: You can save on your policy if you didn’t receive a cancellation notice for non-payment in the last year. 

Does Allstate have good car insurance discounts?

Allstate provides a suite of competitive discounts that are especially advantageous for financially responsible drivers and those with
clean driving records
. 
That being said, Allstate doesn’t check every box when it comes to auto insurance discount options. For example,
Progressive
and
Travelers
give discounted car insurance rates to policyholders who are homeowners—even if their home isn’t insured by the same company. 
With about 14 core discounts, Allstate has slightly fewer discount options than its competitors, and the discount offerings that apply to you will depend on your eligibility. To make sure you’re getting the best deal possible, you can always talk to an agent about your savings options and compare quotes from a few other companies before purchasing a policy with Allstate. 
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FAQs

If you’re an active-duty military member in Louisiana with an Allstate auto policy, you’re eligible for a military discount. Unfortunately, there is no official Allstate military discount in any other state.
Allstate doesn’t offer a senior discount, although seniors may enjoy lower rates based on statistical risk levels associated with other aspects of their demographics.
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