Allstate Car Insurance Pricing in 2025

Allstate’s national average rate, $2,605, is higher than most major auto insurance carriers. Allstate’s average annual rate ranges from $840 for minimum coverage to $4,243 for some drivers with a bad driving record. The price you pay will depend on many factors like driving history and the types and amounts of coverage you want.

Here are some different cases where rates will differ from person to person:

Lower your annual rates with discounts tailored to your driving habits and policy management preferences. From safety features to payment options, Allstate has plenty of discounts to lower your premium rates.

Extended Vehicle Care

Allstate’s extended vehicle care coverage protects you from repair costs after the manufacturer’s warranty expires. Most manufacturer’s warranties cover your car for three years and 36,000 miles, whichever happens first. Allstate extends this coverage to seven years and 100,000 miles of protection.

Extended vehicle care with Allstate offers you:

• Towing: If you experience a mechanical breakdown on the road, your towing cost to a mechanic or dealership is included.
• Repair cost coverage: Whether it’s repairing your engine or electrical, Allstate will pay 100 percent of parts and labor costs after a $50 deductible.
• Your choice of mechanic: No matter the shop you choose, you’ll get the cost of a mechanic reimbursed as well as rental car costs.
• Repair resolution on your behalf: Once you choose your mechanic, Allstate will get you the repairs you need.
• Price transparency: You’ll get complete clarity on fair pricing and can cancel anytime.
• Rental car or rideshare coverage: Allstate covers rental car or ride-share costs for the time it takes your repairs to be completed.
• Travel Reimbursement: If you’re taking a road trip and your car has issues that interfere with travel plans, Allstate pays for up to $500 in accommodations and food.

Deductible Rewards

Allstate’s Deductible Rewards program offers an immediate $100 off collision coverage and another $100 in deductible savings for every year you drive without an accident. These rewards can lower your collision coverage up to $500. If your deductible is less than $500, you could pay no deductible for a collision insurance claim, potentially.

Complete Vehicle Protection Plan

Allstate helps keep your car looking and functioning at its best with its complete vehicle protection plans. All plans include paintless dent repairs, key replacements, roadside services, and reimbursement for rentals and other modes of transportation while your car is in the shop. You can choose the level of protection you want — the Silver plan features the most basic protections, the Gold plan includes repairs for interior tears, and the Platinum plan includes everything in the Gold plan and tire maintenance care.¹

Safe Driving Bonus

By enrolling in Allstate’s Safe Driving Bonus program, you will earn a bonus every six months without an accident. You will receive these bonus payouts automatically as a credit toward your policy premium. It benefits everyone on the road when drivers are responsibly practicing safe driving. Get rewarded for slowing down at crosswalks, using your lights in the rain properly, and switching lanes to share the road with bikes and scooters.

Allstate Milewise

Allstate’s pay-per-mile insurance program, Milewise, captures your miles through an app and charges you a daily rate plus a per-mile rate. Milewise is a good option for low-mileage drivers who live in states where it is available. However, as of September 2024, Milewise was only available in Delaware, Idaho, Minnesota, Washington, Wisconsin, and West Virginia; and as of February 2025, Allstate no longer lists the states where Milewise is available on its website. If you’re interested, get a quote and ask the agent if Milewise is available where you live.

Allstate is available in all 50 states in addition to Washington D.C. You can browse Allstate’s agent directory by city or state anytime on its website.

To cancel your policy or account with Allstate you can:

• Contact your agent by phone or in person.
• Call customer service at 800-225-7828.
• Mail a letter to:
  • Allstate Insurance Company
  • PO Box 660598
  • Dallas, TX, 75266-0598

Be sure to Include your name, address, phone number, policy information, and the date you wish to end your policy.

You can schedule your cancellation for the future or stop car insurance coverage immediately. Allstate will refund you the unused portion of your premium if you paid in full. There is no fee or penalty for canceling early.

Allstate’s tagline, “You’re in good hands,” has been the core of its services for over 70 years. Sears executives started Allstate by having agents work out of its department stores across the country. Take a look at some of the milestones in Allstate’s nearly century-long presence in the insurance industry:

• 1931: Starting in a one-room headquarters, Allstate insured its first vehicle at $41.60 a year and paid its first claim for a door handle pried off by a car thief. Allstate has 4,217 active car insurance policies in its first year.
• 1950: Allstate introduced the “You’re in good hands” slogan.
• 1952: The Allstate Foundation was created to support community-based organizations and encourage the commitment to corporate responsibility.
• 1993: Allstate became a publicly traded company. Two years later, Sears sold its remaining shares and Allstate became 100 percent publicly held.
• 2020: Allstate gave nearly $1 billion to customers impacted by the COVID-19 pandemic through its Shelter-in-Place Payback.¹

The best way to stay in contact with Allstate is through your online account. You’ll have 24/7 access to tracking claims, managing policies and online documents, and more. If you are looking for one-on-one help, reach out to your local Allstate agent or visit Allstate’s online help center for claims, quotes, payments, billing, policy changes, coverage help, and general inquiries.

Based on your inquiry, you can also get in contact with Allstate by phone, email, or mail. For general inquiries call 1-800-726-6033 or fill out Allstate’s contact form to get in touch with a representative by email.

To learn more about Allstate, check out the frequently asked questions below or read our Allstate insurance review. There are plenty of options when it comes to choosing the right insurance company, so feel free to explore our general breakdown of auto insurance companies.