McKayla Girardin, Car Insurance Writer
@mckayla_girardin
Allstate is so cheap because the company offers a wide variety of discounts that almost anyone can get. A minimum coverage policy from Allstate costs an average of $105 per month, and Allstate premiums can be made even cheaper by taking advantage of discounts such as paid-in-full discount and anti-theft device discount. Plus, Allstate rewards customer loyalty with discounts for insuring more than one car and bundling multiple policies, such as home and auto.
Average Monthly Rates for Allstate vs. Top Competitors
| Company | Minimum Coverage | Full Coverage |
| Allstate | $105 per month | $306 per month |
| State Farm | $86 per month | $293 per month |
| Progressive | $86 per month | $337 per month |
Note: Premiums are representative of a 45-year-old good driver in CA; individual premiums will vary.
Allstate is especially cheap for young drivers in particular. That’s because Allstate has special savings opportunities for drivers in this category, such as discounts for students with a GPA of at least 2.7.
Your final premium is based on a variety of factors, though, such as your driving record, insurance history, and more. Every insurance company determines their rates differently, so the best way to find the good deal. If you want to learn more, you can check out WalletHub’s review of Allstate and see Allstate's full profile.
People also ask
How can I get cheaper car insurance?
The best way to get cheaper car insurance is to compare quotes from multiple companies and then switch to whichever insurer offers the coverage you want at the cheapest rate. Other ways to get cheaper car insurance include taking advantage of discounts, improving your driving record, and raising your credit score.
10 Ways to Get Cheaper Car Insurance
1. Compare quotes every 6-12 months.
Every car insurance company calculates premiums slightly differently,...
read full answer by WalletHub, Financial CompanyWhy did my Allstate rate go up?
Your Allstate rate could have gone up because of speeding tickets, DUIs, other moving violations, or a recent claim. Allstate also considers local risk factors such as the rates of accidents, vandalism, and theft in your area. Higher rates of these incidents in your area may indicate to Allstate that you are more likely to file a claim in the future.
Top Reasons Why Allstate Raises Rates
- Speeding tickets
- DUIs...
Does Allstate use telematics?
Yes, Allstate uses telematics through Drivewise, its usage-based program, and Milewise, its mileage-based program. Milewise only measures a driver’s mileage in order to calculate a daily rate for their policy, while Drivewise tracks several habits and rewards good drivers with a rebate of up to 25%.
How Allstate Drivewise Works
- Tracks acceleration, braking, and the time of day that you drive
- Uses a plug-in device or the Allstate mobile app for...
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