Allstate, ranked as the fourth-largest car insurance provider by the National Association of Insurance Commissioners (NAIC), has a positive industry reputation and scores well on surveys related to claim services. However, the company received just 7.4 out of 10 in the cost category of our rankings. Allstate’s average auto insurance quotes for full coverage are more than 29% higher than the national average and liability coverage is 36% more than the national average.
To help you find the best insurance policy for your car and budget, we at the MarketWatch Guides team gathered information on average Allstate car insurance costs by state, age, and coverage type. Use this guide to make informed decisions regarding affordable car insurance coverage.
Key Takeaways
A full-coverage Allstate policy averages out to $216 a month or $2,598 a year.
Drivers with a clean driving record and good credit can get minimum-coverage Allstate car insurance for $854 a year or $71 a month.
If you’re the parent of a teen driver, we don’t recommend Allstate. Its car insurance costs for 16-year-olds can be more than four times the national average.
You can save on Allstate car insurance by signing up for one of the company’s usage-based insurance programs or taking advantage of its discounts.
Why You Can Trust The MarketWatch Guides Team
The MarketWatch Guides Team is committed to providing reliable information to help you make the best decision possible about insuring your vehicle. Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. After 800 hours of research, the end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
How Much Does Allstate Car Insurance Cost?
Customers with clean driving records and fair credit can purchase Allstate full-coverage auto insurance for an average rate of $2,598 a year or $216 a month. Drivers with the same profile can expect to pay an average of $854 a year or $71 a month for minimum or liability coverage.
The cost information below comes from Quadrant Information Services, and unless stated otherwise, is based on the profile of a 35-year-old with excellent credit and a clean driving record.
Allstate Full-Coverage Car Insurance Cost
Average Allstate full-coverage car insurance rates exceed competitor rates and the national average of $2,008 a year or $167 a month.
Full-coverage car insurance policies meet minimum-coverage requirements and include collision and comprehensive coverage. These policies carry a deductible that policyholders must meet before the plan plays out for claims. The table below compares Allstate’s average full-coverage car insurance rates with those of top car insurance providers.
Car Insurance ProviderAverage Monthly Cost EstimateAverage Annual Cost EstimateNationwide$119$1,433USAA$126$1,512Travelers$133$1,595Geico$133$1,596State Farm$138$1,657American Family Insurance$154$1,851Market average$167$2,008Progressive$169$2,030Allstate$216$2,598Farmers$264$3,169
Allstate Minimum-Coverage Car Insurance Cost
Allstate’s liability car insurance rates average out at $854 a year or $71 a month, around 36% higher than the national average of $627 a year or $52 a month.
Minimum or liability car insurance covers property damage and bodily injury for other parties in accidents where the insured driver is at fault. This type of policy also includes uninsured motorist coverage. The chart below shows how Allstate’s minimum-coverage rates compare to those of other insurance providers. For a clear picture of how your driving record may impact your rates, reach out to a local Allstate agent today.
Car Insurance ProviderAverage Monthly Cost EstimateAverage Annual Cost EstimateUSAA$32$387Geico$38$461State Farm$44$523Nationwide$44$531Market average$52$627Travelers$54$648Progressive$58$697American Family Insurance$68$810Allstate$71$854Farmers$96$1,153
How Does Allstate Determine Car Insurance Cost?
Car insurance providers use a range of factors to determine premiums.
Your Allstate agent may use factors such as your:
Age: Drivers under 25 usually have less experience behind the wheel than older ones, so they typically pay higher car insurance costs.
Vehicle: Older vehicles may bring lower costs because the car is worth less. But vehicles with heavy-duty engines or updated tech features may bring higher premiums because these features cost more to repair or replace. Cars or trucks with fewer safety features also pay more.
Location: Insurance premiums for similar driver profiles vary from state to state.
Coverage level and type: Full-coverage policies carry higher rates than minimum- or liability-coverage policies. Gap insurance and additional coverages may be subject to different rates, but will always make an insurance policy more expensive.
Driving history: Speeding tickets, DUIs, or accidents tell insurers that a driver is more of a financial risk, so they’ll pay significantly more for auto coverage.
Marital status: Married drivers often receive discounts on their premiums.
Credit: A poor credit score or negative credit history can increase car insurance prices in most states.
Allstate Car Insurance Cost by Age
A 16-year-old driver will pay more than four times the average annual rate as a 35-year-old Allstate customer would receive. The table below shows how average Allstate car insurance costs lower across five decades.
AgeAllstate Average Monthly Cost EstimateAllstate Average Annual Cost Estimate16$934$11,26325$247$2,95835$216$2,59845$213$2,55755$196$2,349
Allstate Car Insurance Cost for High-Risk Drivers
Even a minor violation, like failing to stop at a stop sign, can raise your annual Allstate car insurance cost by 58% or more. Below, see how a speeding ticket, accident, or DUI might affect your average cost.
Driver ProfileAllstate Average Monthly Cost EstimateAllstate Average Annual Cost EstimateNational Average Annual Cost EstimateGood credit and driving history$217$2,598$2,008Recent speeding ticket$251$3,012$2,508DUI$317$3,803$3,431Recent accident$341$4,094$2,919
Allstate Car Insurance Cost by State
Allstate full-coverage car insurance rates exceed statewide average rates in all but two states. Here’s how Allstate’s rates compare to the average rates in your area.
StateAllstate Average Annual Cost Estimate Statewide Average Annual Cost EstimateAlaska$2,404$1,685Alabama$2,109$1,775Arkansas$2,494$2,038Arizona$2,656$2,008California$2,625$2,313Colorado$2,808$2,173Connecticut$2,616$1,919District of Columbia.$4,291$2,218Delaware$3,718$2,881Florida$3,712$3,244Georgia$2,305$1,973Hawaii$1,642$1,656Iowa$1,796$1,563Idaho$2,371$1,402Illinois$2,807$1,541Indiana$2,276$1,587Kansas$3,147$1,918Kentucky$3,671$2,522Massachusetts$2,535$2,430Maryland$3,078$1,833Maine$1,741$1,238Minnesota$2,460$1,766Missouri$3,319$2,104Mississippi$2,194$1,658Montana$2,821$1,979North Carolina$2,770$1,627North Dakota$2,266$1,916Nebraska$2,646$1,871New Hampshire$2,100$1,362New Jersey$2,726$2,513New Mexico$2,679$1,943Nevada$3,244$2,788New York$2,164$2,088Ohio$2,211$1,599Oklahoma$2,869$2,278Oregon$3,339$1,925Pennsylvania$2,626$1,981Rhode Island$3,104$2,357South Carolina$2,173$1,845South Dakota$2,089$2,291Tennessee$2,477$1,524Texas$2,839$2,205Utah$2,206$1,928Virginia$2,138$1,781Vermont$1,991$1,199Washington$2,014$1,616Wisconsin$2,430$1,694West Virginia$3,310$2,177Wyoming$3,027$1,702
Allstate Car Insurance Discounts
Allstate offers several car insurance discounts to help make policies affordable for more drivers. Note that discount rates may vary by location.
Available discounts include but are not limited to:
Multiple policy discount: Receive a discount for bundling auto insurance, life insurance, renter’s insurance, homeowner’s insurance, or other types of policies.
New car discount: Save money on premiums for being the first driver of a new vehicle.
Smart student discount: Unmarried students under 25 can receive a discount for maintaining a GPA of 2.7 or higher or fulfilling other program requirements.
Anti-lock brake discount: Allstate offers discounts on coverage for vehicles equipped with anti-lock brakes.
Military discount: Members of the armed forces may be eligible for a service-related discount on their premiums.
EZ pay plan discount: Set up automatic payments to receive a special discount on auto insurance coverage.
FullPay® discount: You can save when you pay your six-month or one-year policy all at once.
eSmart® discount: Go paperless for additional rate discounts.
Early Signing Discount®: Sign your policy seven or more days before it goes into effect to receive the Allstate Early Signing Discount.
Safe driving discount: Be a safe driver to receive additional discounts.
Allstate Drivewise and Milewise
Drivewise® or Milewise® are Allstate’s usage-based or telematic insurance options. Each program offers savings opportunities for drivers in select coverage areas.
Drivewise
Drivewise is available in all states, and unlike other habit-tracking usage-based insurance programs, won’t raise your rates if you practice unsafe driving habits.
Drivewise uses Allstate’s mobile app to track factors such as speed, braking, driving hours, and phone activity. While phone activity doesn’t factor into discount eligibility, the app’s usage-tracking feature helps drivers become more mindful of their smartphone habits and increases driver safety.
Milewise
Available in 17 states, Milewise allows drivers to pay per mile. Installing a tracking device into your vehicle’s diagnostic port lets you track your mileage through the Allstate app and save money on car insurance premiums.
Allstate Car Insurance Cost: The Bottom Line
Allstate auto insurance policy rates exceed national averages and rates offered by other top providers in all but six states. High-risk driver insurance rates exceed those of good drivers up to 18% or higher. Read our full Allstate auto insurance review as part of your insurance shopping process.
Allstate insurance products are available in 50 states and are backed by the company’s outstanding industry reputation and claims service. However, if what you need is cheap car insurance, another company may offer better rates.
Top Auto Insurance Recommendations
No matter the level of coverage you need, it pays to compare car insurance quotes. Although Allstate has an excellent reputation and offers high-quality auto claims service, other providers may offer more affordable policy premiums. We recommend looking at State Farm and Geico before committing to a policy contract.
State Farm: Best Customer Experience
State Farm is the largest provider of car insurance products in the country, with a service area that includes 48 states. The company consistently performs at or above average in industry surveys, with high customer service, claims service, and mobile-app usability scores. Choose from various coverage options and take advantage of State Farm’s many discounts to find the best policy for your needs.
Geico: Best for Budget-Conscious Drivers
The third-largest insurance provider in the U.S., Geico offers some of the industry’s lowest car insurance rates for good drivers. With programs like DriveEasy and other available discounts, most drivers can take advantage of policies that offer robust coverage without breaking the bank.
Allstate Car Insurance Cost: FAQ
Below are frequently asked questions about Allstate car insurance costs.
Is Allstate or Geico car insurance more expensive?
On average, Allstate has shown itself to be more expensive than Geico. Across the nation, adult drivers with a good credit history and clean driving record pay an average of $2,008 a year or $167 a month for full-coverage car insurance through Geico. Compare those rates to Allstate’s average of $2,598 a year or $216 a month.
How can I lower my Allstate car insurance costs?
The best way to get the lowest insurance premiums from Allstate involves maintaining a fair credit score and an excellent driving record. Beyond avoiding traffic violations or at-fault accidents, you can participate in usage-based insurance programs, bundle your insurance policies, and use other discounts to lower your yearly and monthly rates.
How much do Allstate insurance costs go up after a speeding ticket?
Average yearly premiums for full-coverage car insurance from Allstate increased by over $400 after the driver received one speeding ticket within 5 mph or less of the speed limit. Minor violations similarly impact annual rates, with DUIs and at-fault accidents carrying the steepest rate hikes.
Our Methodology
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
Industry standing (20% of total score): Our research team considered market share, ratings from industry experts, and years in business when giving this score.
Availability (10% of total score): Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
Coverage (30% of total score): Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
Cost and discounts (25% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
Customer experience (15% of total score): This score is based on the volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness, and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
Our credentials:
800 hours researched
45 companies reviewed
8,500+ consumers surveyed
*Data accurate at the time of publication.
In conclusion, Allstate offers quality car insurance coverage with a strong industry reputation and excellent claims service. However, its rates may be higher than the national average and those of some competitors. By understanding the factors that influence Allstate’s insurance costs and taking advantage of discounts and usage-based programs, you can make informed decisions to find the best policy for your needs and budget.