Your Allstate car insurance policy will renew automatically, but shopping around before you accept your renewal rate could help you save on your premiums.

Written by Jaya Anandjit

Edited by Jessica Barrett

Updated on Jan 31, 2024

Jump to:

How Allstate car insurance renewals work
What to do when you receive your Allstate renewal notice
Option 1: Accept your Allstate renewal premium and make a payment to renew your policy
Option 2: Shop around and compare quotes to find a lower rate
If you missed your Allstate renewal date: Review your rate and shop around
If Allstate won’t renew your policy
FAQs

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Allstate

auto insurance policies automatically renew. To activate your new policy term, all you need to do is make a payment. However, before you accept your Allstate renewal premium, shopping around for new

car insurance

quotes can help you find a lower rate.

How Allstate car insurance renewals work

Your Allstate auto insurance policy will automatically renew at the end of your policy term. Here’s how the Allstate

car insurance renewal

process typically works:

You’ll receive a renewal notice: Allstate will send you a renewal notice, which typically arrives by mail or email approximately one month before your official renewal date. Your renewal notice will include your new policy premium, the expiration date for your old policy, and your updated policy details and ID cards. If you have the Allstate mobile app, you may receive a renewal notification as well.

You can pay your new premium, but it might be higher: Like other insurers, Allstate’s rates have increased with market trends since 2021. You may notice a rate increase of up to 11.1% with your policy renewal, and you can choose to accept it by making the first policy term payment.

Or you can shop around: If your renewal rate is too high, you can shop around for coverage at a better rate. Once you find a lower offer, you can set up your new insurance policy and decline your Allstate policy renewal by calling an Allstate agent before your renewal date.

Why insurance goes up at renewal
Insurance rates have been on the incline for the past few years as insurance companies struggle to combat industry changes and inflation following the pandemic. Your premium may also increase at renewal due to recent accidents, moving violations on your driving record insurance claims, lost discounts, or new drivers or vehicles on your policy.

Learn more:

Why car insurance rates are going up in 2023

What to do when you receive your Allstate renewal notice

Allstate typically sends renewal notices by mail or email, 30 days before your policy’s expiration date. Your renewal notice will state your official renewal date, instructions on how to activate your policy for the upcoming term, and the following details and policy documents:

Your renewal rate

The declarations page for your upcoming policy term

Updated insurance cards

Pro Tip: When your renewal notice arrives, be sure to look over your coverage and policy discounts. You may decide to remove or add coverage, and it’s a good idea to contact your Allstate insurance agent to ask if you qualify for additional discounts. Policy changes can alter your renewal rate.

Option 1: Accept your Allstate renewal premium and make a payment to renew your policy

If you choose to accept your Allstate renewal rate, you can activate your new auto insurance term by making a payment. Allstate offers the following ways to make renewal bill payments:

Online: Log into your Allstate My Account to make a payment using a debit card or credit card.

Mobile app: Use the Allstate mobile app to log into your account and make or schedule a payment.

Quick pay: Use the Allstate online payment portal to pay your renewal premium using the policy number on your renewal notice, the policyholder’s last name, and your billing ZIP code.

Bank bill pay: Use your bank’s bill pay options to pay electronically using your bank account.

Phone: Call Allstate’s phone number—1-800-901-1732—to pay your bill using the automated payment system.

By mail: Process an overnight payment by sending a check or money order to Allstate Payments, 1501 N Plano Rd Suite 100, Richardson, TX 75081.

If you have Allstate’s Easy Pay Plan automatic billing set up, your Allstate policy will renew automatically and your first payment will go through to activate your new policy term via auto-pay. If you wish to change your payment method or decline your renewal offer, you will need to speak with an Allstate agent before your policy’s renewal date.

Option 2: Shop around and compare quotes to find a lower rate

When you receive your Allstate renewal rate, you should shop around and compare quotes before you accept your updated premium. Comparing

car insurance quotes

from three to five different providers can help you uncover a lower rate from another trusted insurance company.

The

Jerry

app is a great tool for comparing auto insurance rates.

You can build a profile and get access to real quotes from various providers in one place.

Once you find a rate that works for you, Jerry will set up your policy and ensure you have coverage before you

cancel your State Farm insurance

If you missed your Allstate renewal date: Review your rate and shop around

If your policy automatically renewed with auto-pay: If you missed your renewal date and your automatic payments processed your Allstate policy renewal at a higher rate, it’s not too late to shop around and find a better offer. You can switch to a new provider for a lower rate and cancel your Allstate policy at any time, but you may run into a cancellation fee or administrative fees depending on your state.

If you missed your renewal payment due date: If your Allstate renewal date passed before you could make a payment to renew your coverage or set up a new insurance policy, your insurance provider will cancel your insurance and you will be uninsured. You may be able to reinstate your policy by calling Allstate.

If your coverage lapses: As per protocol, Allstate will notify the Department of Motor Vehicles (DMV) that your coverage lapsed and you are uninsured, which could lead to a driver’s license suspension or fines. If you get into an accident without insurance coverage, you could be responsible for medical bills or property damage expenses out of pocket.

You may be able to request a policy reinstatement: In some cases, Allstate may reinstate your policy if you missed your renewal date. Contact your Allstate insurance agent to go over your options.

Learn More:

How does a car insurance lapse impact rates

If Allstate won’t renew your policy

Allstate can choose to not renew your policy. Common reasons for non-renewal include:

You filed too many claims

You had accidents over the past three years, including at-fault accidents

Allstate is no longer selling your policy type

Allstate is no longer offering policies in your area

You have a history of late or missed payments

You will receive a cancellation notice in advance, which will include information on when your policy will end—typically the same date that it would’ve renewed—and an explanation. You’ll have time to find a new car insurance policy before your policy expiration date.

Pro Tip: If Allstate won’t renew your policy due to too many claims or a history of accidents over the past few years, consider requesting quotes from an insurance provider that specializes in
insurance for high-risk drivers
.

FAQs

How do I stop auto-renewal from Allstate?

If you want to decline your car insurance policy renewal, you can buy a new policy before your current car insurance expires and call Allstate to decline your upcoming renewal. You may need to provide proof of your new insurance policy.

Does Allstate car insurance automatically renew?

Yes, Allstate car insurance renews automatically. Approximately one month before your renewal date, you’ll receive a renewal notice in the mail or by email. Your renewal notice will include your new car insurance rate, and you can make a payment to renew your policy or shop around for quotes to find a better offer.

How can I pay for my Allstate insurance company policy renewal?

You can pay for your Allstate policy renewal online using your Allstate account, online using Allstate’s online payment portal, through the Allstate mobile app, through your bank, by phone, or by mail. Refer to the section of this article titled “Option 1: Accept your Allstate renewal premium and make a payment to renew your policy” for more details.

Can I switch to a different provider before my Allstate car insurance renews?

Yes. Your renewal period is the perfect time to shop around for new quotes and switch to a different provider for a better rate. It’s best to find a new policy before your renewal date, but you can switch to a different provider at a later date and cancel your Allstate policy even if it renews.

Why did my Allstate car insurance go up at renewal?

Car insurance rates are increasing throughout the insurance industry due to inflation. In 2023, Allstate raised rates by approximately 11% for policyholders throughout the US—and if you have recent accidents, claims, or moving violations on your driving record, your rates could increase more.

Insurance rates may also go up if you move to a high-risk location, add a driver or vehicle to your policy, or lose your discount eligibility.

How can I get a lower rate when my Allstate insurance renews?

If you want to keep your Allstate insurance but pay a more affordable rate, you can review your coverage levels and remove unnecessary insurance coverage, or reduce your policy limits. You can also increase your deductibles, improve your credit score, or seek car insurance discounts to lower your rate. For example, you can bundle your renter or homeowners insurance and auto insurance to earn a discount.

Additionally, shopping around for insurance quotes from different providers can help you find a cheaper rate. You can switch car insurance companies if you find a better offer, and decline your Allstate policy renewal.

Will I get a refund if I cancel my Allstate car insurance before my renewal?

If you paid your insurance premium in full for your policy term, you will likely be eligible for a

car insurance refund

for your unused premiums, minus any fees, if you cancel your insurance before your renewal date. If you pay a monthly bill for your insurance, you may not receive a refund from Allstate. For more information, contact Allstate customer service by calling 800-726-6033.