How Much Does Allstate Car Insurance Cost?

Choosing the right car insurance provider takes careful consideration. If you're considering Allstate, reviewing its rates can help you determine if it's the best fit for your needs. However, we recommend gathering quotes from several providers to ensure you're securing the best value when looking to save money on your car insurance.

Allstate car insurance pricing per month

Full-coverage car insurance from Allstate costs $148 per month on average. Drivers who choose minimum liability-only coverage pay an average of $79.

Keep in mind these are average figures. Your individual rate depends on multiple factors including age, location, credit score, and driving history. While your actual Allstate rate may be different, these averages provide a useful benchmark for comparing providers.

	Allstate average monthly cost	National average monthly cost
Full coverage	$148	$186
Liability-only	$79	$104

Allstate's rates versus other car insurance providers

Each company evaluates risk and offers discounts differently, which means pricing varies considerably. Comparing quotes helps you see where Allstate stands for your particular circumstances.

Provider	Average monthly full coverage cost	Average monthly liability-only cost
State Farm	$114	$59
Progressive	$182	$106
GEICO	$148	$95
Allstate	$148	$79
USAA	$105	$56

Allstate's rates by age

Age plays a major role in Allstate's pricing structure, as it does with most insurers. Car insurance for teen drivers comes with the highest costs, averaging $316 per month for full coverage.

Rates generally decrease as you enter your 20s, with Allstate premiums averaging $189. The downward trend continues through your 30s at $144 and into your 40s at $144.

The most favorable rates typically appear for drivers in their 50s, 60s, and 70s with average monthly costs of $128, $114, and $109, respectively.

This pricing pattern demonstrates how insurers evaluate risk across different life stages.

Age group	Allstate average monthly full coverage cost	National average monthly cost
Teens	$316	$360
20s	$189	$242
30s	$144	$199
40s	$144	$191
50s	$128	$177
60s	$114	$159
70s	$109	$162

Allstate's rates for high-risk drivers

Drivers with traffic violations or accidents on their record typically face higher premiums with Allstate. High-risk drivers who have a speeding ticket see average monthly costs of $196, while an at-fault accident on your record results in rates averaging $196.

DUI convictions result in significantly higher premiums, with average monthly costs around $219. While these numbers reflect typical high-risk pricing, your exact rate depends on factors like how recently the incident occurred and other individual characteristics.

Driving record	Allstate average monthly full coverage cost	National average monthly cost
Accident	$196	$249
Speeding ticket	$196	$241
DUI	$219	$275

How does your credit score affect your rate with Allstate?

Your credit score influences insurance rates in all states except four: California, Hawaii, Massachusetts, and Michigan.

Where credit matters, Allstate modifies pricing according to your credit tier. Excellent credit results in average monthly premiums of $128, while good credit brings slightly elevated rates near $147.

Drivers with average credit scores pay monthly premiums around $150, and those with poor credit face average costs of $181 per month.

These figures demonstrate credit's substantial impact on your premium, though your final rate will vary based on other personal characteristics.

Credit score	Allstate average monthly cost of full coverage	National average monthly cost
Excellent	$128	$164
Good	$147	$179
Average	$150	$194
Poor	$181	$228

FAQs

How much can I actually save with Allstate's Drivewise program?

Allstate's Drivewise program offers a participation discount just for enrolling, and you could potentially save based on your driving habits over time. To maintain your discount, you must complete at least fifty trips during each six-month policy period before your renewal. The program monitors specific behaviors including speeds over eighty miles per hour, hard braking, and driving between certain hours. One important consideration is that in certain states like Pennsylvania, Drivewise can actually increase your rates for risky driving behaviors, so it's worth asking your agent whether the program could raise your premiums in your location before enrolling.

Can multiple drivers on my policy earn separate Drivewise discounts?

Yes, Allstate allows multiple drivers on the same policy to participate in the Drivewise program. Each driver must download the Allstate mobile app individually and activate Drivewise on their own smartphone to have their trips tracked separately. This feature makes Drivewise particularly valuable for families with teen drivers who demonstrate safe driving habits. However, you need to monitor the app carefully because Drivewise automatically tracks trips when you're a passenger in any vehicle, and you must manually correct any trips where you weren't actually the driver to prevent another person's driving behavior from negatively affecting your discount.

How does Allstate's Deductible Rewards program reduce my out-of-pocket costs?

Allstate's Deductible Rewards program immediately reduces your collision deductible by one hundred dollars when you enroll in either the Gold or Platinum Your Choice Auto package. For every consecutive year you drive without a chargeable accident, your collision deductible decreases by an additional one hundred dollars, up to a maximum reduction of five hundred dollars. This means if you maintain accident-free driving for four years after enrollment, you could potentially eliminate your collision deductible entirely in states where this is permitted, significantly reducing your out-of-pocket expenses if you need to file a claim.

Does Allstate's Safe Driving Bonus program give me cash back for accident-free driving?

Allstate's Safe Driving Bonus program, available exclusively with the Your Choice Auto packages, sends you an actual rebate check every six months that you remain accident-free. The bonus equals 5% of your premium amount, providing cash rewards rather than just rate reductions. This differs from most insurance discounts because you receive actual money back that you can spend however you choose, rather than seeing a lower bill.

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Bottom line

Is Allstate the right car insurance company for you? Getting quotes from Allstate and several other providers, then comparing them on price and service, is the most reliable way to find out.

Data throughout provided by Insurify.

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