Your Guide to Allstate Full Coverage Car Insurance

Allstate offers different types of car insurance coverage, which you can bundle together for a personalized full-coverage car insurance policy.
Written by Jaya Anandjit
Edited by Jessica Barrett
Reviewed by Brice Regling
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While
Allstate
doesn’t have an official “full coverage”
car insurance
policy, drivers can bundle liability, collision, comprehensive, and other types of auto insurance coverage for a personalized
full coverage
policy. 

Allstate’s full coverage policy options

You won’t see the option to purchase “full coverage” on Allstate’s website since there is no single definition of what that comprises—but you can build an insurance plan with the typical coverages featured on a full coverage policy. 
In general, full coverage includes at least three types of coverage:
  • Liability insurance:
    Liability coverage pays for medical bills and automotive repairs for other drivers if you’re found at fault in an accident. This type of coverage is required in just about every state. 
  • Collision insurance:
    Collision coverage can help you pay for your vehicle repairs if you’re involved in a collision with another car, a stationary object, or if something hits your parked car. 
  • Comprehensive insurance:
    Comprehensive insurance helps repair or replace your vehicle when it’s damaged because of something other than a collision, like fire, floods, vandalism, hitting an animal, or falling objects. It can also pay to replace a stolen vehicle. 
Keep in mind: Collision and comprehensive coverage include a
deductible
, which will apply before your coverage kicks in.

Add-ons for full coverage Allstate car insurance policy

In addition to the basic types of insurance on a full coverage policy, Allstate also offers these coverage options: 
  • Uninsured and underinsured motorist coverage
    : Covers your medical bills or property damage after an accident with an uninsured or underinsured driver.
  • Personal injury protection
    (PIP) or
    MedPay
    : Helps cover medical expenses for you and your passengers after an accident. PIP usually offers more coverage for things like rehabilitation care, lost income, and childcare costs.
  • Roadside assistance coverage
    (or towing and labor coverage): Offers roadside services for unexpected breakdowns, tire changes, jumpstarts, and more.
  • Rental reimbursement coverage
    : Includes coverage for the cost of transportation while your vehicle undergoes repairs for a claim.
  • Personal umbrella policies (PUP): Offers additional liability coverage outside of your auto policy’s liability limits.
Allstate also offers
gap insurance
for leased or loaned vehicles,
classic car insurance
for vintage vehicles, and
new car replacement coverage
to get you into a new vehicle after a total loss.1
Allstate coverage recommendation
An Allstate auto insurance policy with a combination of liability insurance (including bodily injury and property damage), collision insurance, comprehensive insurance, uninsured motorist coverage, and personal injury protection or medical payments coverage will protect you, your vehicle, and your bank account from multiple different accident scenarios that could otherwise result in high out-of-pocket costs.

What isn’t covered by an Allstate full coverage policy?

An Allstate full coverage policy with liability insurance, collision coverage, and comprehensive coverage alone will not cover the following perils:
Not covered by Allstate full coverage
Applicable Allstate coverage
Medical bills for your injuries incurred through auto accidents
PIP or MedPay
Rehabilitation care, lost income, psychiatric care, and childcare costs resulting from a car accident
PIP
Nursing services and funeral expenses after an accident
PIP or MedPay
Copayments/coinsurance
MedPay
Flat tires, jumpstarts, lockout services, and towing
Roadside assistance
Medical bills or property damage coverage for you after a collision with an uninsured or underinsured driver
Uninsured motorist or underinsured motorist coverage
Transportation costs while your vehicle is in the shop after a claim
Rental reimbursement coverage
Liability claims from other drivers that exceed your policy limits
Umbrella coverage

Allstate full coverage policies cost around $2,340

An Allstate policy with full coverage costs approximately $2,340 per year, which is slightly above the national average of $2,264. 
While car insurance rates vary from driver to driver, premiums are on the rise throughout the country due to post-pandemic inflation. In fact, Allstate increased rates by 14.5% in 2022. 
If you’re set on purchasing an Allstate policy, here are two ways to save on your car insurance expenses: 
  • Seek discounts: Allstate offers various discounts to help lower your insurance rate. For example, you can get a bundling discount for auto and homeowners insurance, condo insurance, renters insurance, or motorcycle coverage to save up to 25% on both policies.
  • Use telematics: Enroll in Allstate’s Drivewise program to earn a discount for logging safe driving habits, or opt for Allstate’s Milewise pay-per-mile program to save up to 50% on your policy for low-mileage driving. 
If you aren’t fully committed to buying coverage from Allstate, it may be wise to compare
auto insurance quotes
from other providers. When you seek quotes from multiple providers, you gain the opportunity to find the lowest auto insurance rate for your full coverage needs—and budget.
app screenshot
The Jerry app is a great resource for comparing quotes from different car insurance companies to find the best offer for full coverage.
Alongside Allstate, you can browse full coverage quotes from top providers like Progressive, Nationwide, and Travelers.

Does Allstate offer the best full coverage insurance?

Each insurance company offers the same types of insurance for full coverage policies, but they don’t all provide the same customer service or rates.
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Allstate vs. Competitors: Insurance Review
Allstate returned a 3.6/5 rating in Jerry’s national survey of all car insurance companies. Accounting for cost, customer service, claims handling, and the buying and renewal processes, Allstate returned a fairly acceptable average score. But while 3.6/5 isn’t necessarily a poor rating, providers like Dairyland, State Farm, Travelers, and Progressive all received ratings over 4.
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Allstate vs. Competitors: Car Insurance Rates
With an average full coverage policy cost of $2,340, Allstate offers higher full coverage premiums than other providers. For example, GEICO full coverage policies cost an average of $1,563 per year and State Farm charges an average rate of $1,477. Even on the higher end, Farmers full coverage policies cost $2,210 on average while Progressive full coverage gets an average of $1,824.
Final verdict: Each insurance company uses a unique rate calculation algorithm and your driver profile to determine your car insurance premium. Your Allstate full coverage car insurance rate may be lower than the company’s average, but other providers typically offer cheaper premiums and better customer satisfaction ratings. For example, drivers with poor credit scores will likely end up paying higher-than-usual rates with Allstate.
To find great auto insurance service and the cheapest rate for your driver profile, compare quotes from different providers. Allstate may offer the lowest premium for your driver profile after all, but you won’t know unless you check rates from other insurers. 

Is an Allstate full coverage auto insurance policy worth it?

If you have a good driving record with a solid credit score, a personalized full coverage policy from Allstate is likely worth it. 
But you shouldn’t make this decision without comparing plans from other insurance providers that may provide better rates based on your current driving history and credit.
Full coverage for leased vehicles
It’s worth keeping in mind that while full coverage isn’t required by law in any state,
most lenders require full coverage insurance for financed vehicles
. This means that if you’re financing your car, you’ll likely need full coverage anyway. Plus, the cost of purchasing a full coverage policy is usually worth the protection provided against a
total loss
if you own your car outright.

FAQs

What is included in full coverage?

A full coverage car insurance policy includes liability insurance, comprehensive insurance, collision coverage, and other state-mandated car insurance. For example, A full coverage policy in Vermont may include 25/50/25 of liability coverage, 50/100/10 of uninsured/underinsured motorist coverage, and collision and comprehensive coverage. 

What is the cheapest full-coverage car insurance?

The cheapest full coverage car insurance will include your state’s minimum car insurance limits, plus collision and comprehensive coverage. Collision and comprehensive coverage typically come with a deductible, so selecting the lowest available deductible may lower your full coverage premiums. 

Does Allstate full coverage cover other drivers?

A full coverage policy from Allstate will follow your vehicle, which means other drivers will be protected by the coverage on your policy. 

Why is full coverage insurance so high?

Full coverage policies include comprehensive and collision insurance, which pay to repair or replace your vehicle if it is damaged. This added coverage requires a higher rate than state minimum car insurance because it offers protection for a larger selection of perils.

What is the difference between full coverage and liability insurance?

While liability coverage pays for medical bills and vehicle repairs for the other driver after an accident where you’re at fault, full coverage often includes liability, comprehensive, and collision coverage, meaning you can make a claim for your own vehicle in a collision or after damage from perils like severe weather, vandalism, or theft. Additionally, most policyholders increase their liability coverage limits when they purchase a full coverage policy.
Liability coverage is the most basic form of coverage and is required by most states, whereas full coverage is optional from a legal standpoint.

How much does full coverage insurance cost?

Full coverage car insurance costs an average of $2,264 per year. In comparison, state minimum liability coverage costs $1,526 on average.

What are the different types of full coverage insurance?

There are two types of coverage included on full coverage car insurance policies. The first type of coverage, collision insurance, covers damage to your vehicle resulting from a collision with another car, a stationary object, or if your parked car is hit. The second coverage type, comprehensive coverage, helps repair or replace your vehicle after damage from things like floods, falling objects, theft, vandalism, and more.

What is the best full-coverage insurance company?

There isn’t a single insurance company that consistently offers the best rates and service for full coverage, but providers like GEICO, State Farm, Progressive, Allstate, and USAA typically offer the best full coverage.

Can you get full coverage on a rebuilt title with Allstate?

Allstate may cover
cars with rebuilt titles
if they were already on your car insurance policy before getting a salvage title. You might not be able to add a rebuilt title to your Allstate policy, but you can contact an Allstate insurance agent for specific guidance.

Does Allstate full coverage cover towing?

Allstate full coverage does not cover towing. To get coverage for towing, you can add roadside coverage to your Allstate policy.

At what point is full coverage not worth it?

There is no hard-and-fast rule, but generally, full coverage isn’t worth the added cost if you drive a high-mileage vehicle that isn’t worth much. If your insurance premium costs more than what it would cost to replace your car, full coverage insurance is not worth it.

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