Allstate car insurance is a type of auto insurance coverage provided by Allstate, one of the largest insurance companies in the United States. It offers various types of coverage to protect you and your vehicle in the event of accidents, theft, or other unforeseen circumstances.
Allstate is come at 6th positions among the best car insurance company in 2024. Their rates are more expensive than what most people across the country pay for car insurance. When we looked at how they handle claims and serve their customers, Allstate didn’t do as well as compares other insurance companies. However, customers found it easy to start a policy with them.
Allstate Car Insurance Rates
Allstate car insurance cost an average of $2,135 per year, which is much more expensive than the national average of $1,547.
Our research, Allstate had some of the highest yearly rates in different categories types of drivers. This includes rates for teenagers, older drivers, people with a history of accidents or DUIs, and those who buy minimum coverage required in their state.
It’s essential to remember that various factors affect your car insurance rates. To find the cheap car insurance the only way to compare multiple quotes from several different insurance companies.
| Insurance Company | Average Annual Rate |
|---|---|
| Allstate | $2,135 |
| USAA | $1,022 |
| American Family | $1,383 |
| State Farm | $1,279 |
| GEICO | $1,250 |
| Nationwide | $1,473 |
| Farmers | $2,078 |
| Travelers | $1,958 |
| AAA | $1,958 |
| Progressive | $1,540 |
Allstate Car Insurance Rates for Teen Drivers
Teenagers are usually pay higher as compared to all age of drivers. When it comes to insuring teen drivers, Allstate car insurance average annual rate is almost 36% higher for female teens and over 33% higher for male teens compared to the national average. See 21st Century Car Insurance Review 2024
| Drivers (17-Year-Old) | Allstate Rates | National Average |
|---|---|---|
| Female | $6,882 | $5,064 |
| Male | $7,693 | $5,750 |
Allstate Car Insurance Rates for Young Adult Drivers
Car insurance for drivers aged 25 years old are more affordable compared to teenagers, but it’s still higher than rates for senior or more experienced drivers. On average, an Allstate policy for single drivers who are 25 years old costs nearly $600 per year more than the national average for both females and males in this age group.
| Drivers (25-Year-Old) | Allstate Rates | National Average |
|---|---|---|
| Female | $2,351 | $1,757 |
| Male | $2,423 | $1,860 |
Allstate Car Insurance Rates for Adult Drivers
Car insurance rates for drivers in their 30s are typically more affordable compared to rates for teens and younger adults. However, when it comes to Allstate, the average yearly rate for female adult drivers is approximately 42% higher than the national average, while the rate for male drivers in this category is almost 39% higher than the national average. Cheap Car Insurance For Teens And Young Drivers 2024
| Drivers (35-Year-Old) | Allstate Rates | National Average |
|---|---|---|
| Female | $2,092 | $1,470 |
| Male | $2,069 | $1,488 |
Allstate Car Insurance Rates for Senior Drivers
Senior drivers, both male and female, who are insured by Allstate, pay rates that exceed the national average, as per our study. On average, Allstate charges senior female drivers rates that are 44% higher than the national average, and senior male drivers rates that are 42% higher. Among the companies we evaluated, Allstate has the highest rates for senior drivers.
| Drivers (60-Year-Old) | Allstate Rates | National Average |
|---|---|---|
| Female | $1,918 | $1,332 |
| Male | $1,956 | $1,376 |
Allstate Car Insurance Rates After a Speeding Ticket
Having a speeding ticket on your driving record can lead to a significant increase in your car insurance rates. Allstate’s average annual rate for drivers who have received a speeding ticket is much higher than the national average. In fact, the premium they charge after a speeding ticket is over 25% higher than the national average.
| Allstate Rates | National Average | |
|---|---|---|
| Rates After One Speeding Ticket | $2,429 | $1,935 |
Allstate Car Insurance Rates After a an Accident
Accidents can lead to a significant increase in a driver’s insurance rates. Allstate’s average annual rates for motorists with an accident on their driving record are just over 35% higher than the national average.
| Allstate Rates | National Average | |
|---|---|---|
| Rates After One Accident | $2,989 | $2,212 |
Allstate Car Insurance Rates After a a DUI
Drivers who have a DUI on their record typically face some of the highest insurance rates. Allstate’s rate for drivers with a DUI is nearly 24% higher than the national average.
| Allstate Rates | National Average | |
|---|---|---|
| Rates After One DUI | $3,313 | $2,675 |
Allstate Car Insurance Rates Drivers with Poor Credit
Not everyone realizes it at first, but car insurance companies consider the policyholder’s credit rating when determining the insurance rates.
Allstate charges drivers with poor credit rates that are almost 16% higher than the national average.
| Allstate Rates | National Average | |
|---|---|---|
| Rates for Drivers with Poor Credit | $3,345 | $2,894 |
Minimum Coverage with Allstate
Most states require drivers to have a minimum amount of liability insurance coverage. Allstate’s average annual rate for this minimum coverage is the highest among the companies we looked at, costing $543 more than the national average for this category.
| Allstate Rates | National Average | |
|---|---|---|
| Minimum Coverage Rate | $2,013 | $1,470 |
Allstate Car Insurance Discounts
Allstate provides various discounts that can help policyholders reduce their car insurance rates. Our customer survey revealed that nearly 44% of respondents are very satisfied with the discounts offered by Allstate.
- Anti-lock brake discount
- Anti-theft device discount
- Safe driving club
- Smart student club
- New car discount
- Multiple policy discount
- EZ pay plan discount
- Paperless discount
- Early signing
- Pay in full
- Responsible payer discount
Allstate Car Insurance Pros and Cons
Pros
- Allstate offers a wide range of coverage options, such as accident forgiveness, new car replacement, and a safe-driving bonus every six months.
- They provide rideshare insurance in many states for those who drive for services like Uber or Lyft.
Cons
- Allstate customer ratings for auto insurance shopping satisfaction are below an average as compared to other insurance companies.
FAQs
What types of coverage does Allstate offer for car insurance?
Allstate offers a range of coverage options, including liability insurance, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and more.
How can I get a quote for Allstate car insurance?
You can obtain Allstate car insurance quote by visiting their website, calling their toll-free number, or contacting a local Allstate agent. To get an accurate quote, you’ll need to provide right information about your vehicle, Age, driving history, and coverage preferences.
What factors affect the cost of Allstate car insurance?
The cost of Allstate car insurance are depending of various factors, including your age, location, driving record, the type of vehicle you drive, coverage options chosen, and even your credit score. Safe drivers with a clean record often receive lower premiums.
Does Allstate offer discounts on car insurance?
Yes, Allstate offers various discounts to help you save on your car insurance premiums. These discounts may include safe driver discounts, multi-policy discounts, good student discounts, and more.
How do I cancel my Allstate car insurance policy?
If you want to cancel your Allstate car insurance policy for this process you can contact their customer service or your local Allstate agent. Keep in mind that there may be cancellation fees or specific requirements depending on your policy terms, so it’s essential to review your policy documents or speak with an agent for guidance.