Does Allstate Offer Liability Insurance?
Allstate’s liability insurance is available in all 50 states plus Washington D.C.—but is it the right option for you?
Written by Macy Fouse
Reviewed by Amy Bobinger
Table of Contents
- Does Allstate offer liability insurance?
- Do you need more than liability insurance?
- Cost of Allstate liability insurance
- The bottom line
- FAQs
Load full table of contents
Allstate provides liability insurance for drivers, homeowners, and business owners. For auto liability coverage, car owners will pay an average of $45 per month on average with Allstate.
Liability insurance
covers expenses for other drivers if you’re at fault in an accident, and it’s the foundation of all car insurance
policies. Here’s how Allstate’s liability options compare to other companies, plus how you can lower your car insurance rates ASAP. Does Allstate offer liability insurance?
Yes, Allstate does offer liability insurance—all kinds of it, too. With Allstate, you can get small business liability, professional liability,
homeowner’s liability insurance
, and even a personal liability umbrella policy. In this article, we will concentrate on the auto insurance liability coverage Allstate offers. This liability coverage is available in two different categories: - Bodily injury liability insurance:Bodily injury (BI) coveragetakes care of medical bills from an accident you caused. It pays for hospital bills, pain and suffering costs, and lost wages for the other driver—and it can even help you dodge a personal injury lawsuit.
- Property damage liability insurance:Property damage (PD) coveragecovers repairs needed after causing damage to another person’s property. Generally, this takes care of auto repairs for other drivers, but it may also pay for repairs to a building or a lawn you damaged. It will also pay for court costs if you end up in a lawsuit.
If you already have an Allstate policy, be sure to check the specifics included in your policy or talk to an Allstate agent directly. There may be exclusions or other exceptions you should be aware of.
For most states, drivers must carry both types of liability insurance. That being said, certain states have more lax insurance laws.
Florida drivers
, for example, are only required to have property damage liability, while motorists in New Hampshire
and Virginia
may not have to have any liability coverage. However, if your state mandates liability insurance, you’ll need to make sure your Allstate policy meets the minimum coverage limit. RECOMMENDED
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Do you need more than liability insurance?
In most cases, more coverage is wisest—but it also depends on your financial circumstances and what state you’re in. In states like
California
or Texas
that only require drivers to have liability insurance, you can secure an Allstate liability-only policy. However, if you live in a state that requires more coverage, you may need to add uninsured/underinsured motorist coverage
, medical payments coverage
, or personal injury protection (PIP)
to your policy. Here are some instances where you’d need additional car insurance:
- Your state has extra insurance requirements. Familiarize yourself with your state’sminimum insurance requirementsto know what type of coverage you need to be legal.
- You’re financing or leasing your vehicle. The majority of lenders requirecollision coverageandcomprehensive coverage—or full coverage insurance—for all borrowers throughout their lease terms or loans.
- You have extra risk factors. If you live in a high-crime area, drive a luxury car, or drive for a rideshare company, you may want (or need) more coverage.
- You or your frequent passengers don’t have health insurance coverage. Without healthcare, coverages that pay for medical expenses like MedPay and PIP may provide some peace of mind. If your health insurance deductible is sky-high or you don’t have coverage, this will protect your finances if you need medical care after an accident.
Cost of Allstate liability insurance
The average cost of liability coverage for Allstate customers is between $545 and $1,262 per year.
That wide range accounts for the equally-wide variety of factors that determine the cost of coverage for Allstate. These factors include the coverage limits you select, your state’s insurance requirements, and any risk factors on your specific driver profile. Other influences that affect your insurance rates are your age,
gender
, location, credit score
, vehicle type, and driving record.Check out the table below to see how the current cost of minimum coverage—i.e. liability insurance and any other coverage required by your state—from Allstate compares to other major insurance companies.
Insurance company | Average annual cost of minimum coverage | Average monthly cost of minimum coverage |
|---|---|---|
Allstate | $545 | $45 |
State Farm | $464 | $39 |
GEICO | $373 | $31 |
Nationwide | $567 | $47 |
Progressive | $553 | $46 |
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To find out the most affordable option for liability coverage, be sure you compare quotes from three different companies at a minimum. This will ensure you find the best company for your needs—including your finances!
The bottom line
Whether you’re looking for a minimum liability-only policy for your vehicle or insurance in other contexts, Allstate is a decent option for liability coverage—but it may not be the cheapest. To get the full scoop, head over to our full
Allstate insurance review
. No matter what the circumstances, it’s always wisest to
compare quotes
before picking a specific company. This is especially important if you live where there are a lot of uninsured drivers or if you have violations on your driving record!"I was paying roughly $180 a month for insurance, butJerryhooked me up with an Allstate full coverage plan for only $89! I’m so glad I trusted Jerry to find me a better plan.” —David A.
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FAQs
What is the difference between liability and full coverage insurance?
Liability is the most basic form of insurance coverage required by most state laws. It generally covers medical bills or car repairs for other drivers if you’re found to be at fault in an auto accident. “Full coverage” refers to the combination of collision and comprehensive coverage, and it covers repairs for your own car—but it’s not required by law in any state.
Is liability insurance required by law?
Yes! All states except New Hampshire and Virginia legally require drivers to have a minimum amount of liability coverage—although the amount of required coverage differs by state. Every company must offer the required minimum amount of liability insurance in the state they’re in.
Does liability insurance have a deductible?
No, you don’t have to pay a deductible for liability insurance to cover claims. You only have to pay a deductible for collision and comprehensive claims.
Does Allstate provide proof of insurance?
Yes. Once you’re covered by Allstate, you’ll have the option to get your ID card via mail, print your ID card at home, or access a digital version online or on the mobile app.
