What does Allstate auto insurance cover?

Allstate auto insurance includes the core coverages: liability, collision and comprehensive. It also offers gap insurance, uninsured/underinsured motorist coverage, personal injury protection, rental reimbursement, roadside assistance, ride-sharing coverage, new car replacement and classic/collector car insurance. Not every option is sold in every state, so check what's actually offered on your quote.

Are Allstate's rates going up?

According to Allstate's 2025 earnings release , its rate increases produced a 2.6% annualized premium impact across 2025, moderating to 0.2% by the fourth quarter. That's a company-wide average, not a prediction for your policy. Your own renewal depends on your state, your car and your driving record, which is why it's worth comparing before you accept an increase.

Where does this Allstate auto insurance review get its information?

This Allstate auto insurance review draws on Solvable's own researched company profile, Allstate's public filings and Drivewise FAQ, and market data reported by CNBC. We didn't include third-party premium averages because they conflict too widely across sources to be useful, with published monthly figures ranging anywhere from about $159 to $267 for similar coverage. Your own quote, compared against other carriers with identical limits, is the only number worth acting on.

Allstate Car Insurance Review: Is It Right for You?

Q: Is Allstate car insurance good?

Allstate works well for drivers who want a wide coverage menu and can stack several of its discounts, and it's our pick for classic and collector car owners. Whether it's a good price for you specifically depends on your state, your driving record and which discounts actually land on your bill. The only way to know is to compare a quote with the same coverage limits and deductibles you have now.

Q: How do I qualify for Allstate's Drivewise discount?

At least one driver on the policy has to complete 50 trips before renewal to qualify for Drivewise, and the discount isn't available at all in California or Alaska, according to Allstate's Drivewise FAQ . If your policy renews in six months, that works out to roughly two trips a week. A daily commuter clears that easily; someone who drives a couple of times a month likely won't make it before renewal.

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Solvable conducts independent research and data analysis. Our content is not influenced in any way by other companies, including the ones we write about and/or have a financial relationship with. Above all else, we strive to make the best data-driven recommendations for our readers. Read more about our process.

What to Know

Allstate is a large national insurer that sells car insurance policies in all 50 states and Washington, D.C., with standard coverages plus extras such as gap insurance, rideshare coverage and classic car insurance. Whether it's a good price for you depends on your state, your driving record and how many of its discounts you qualify for.

Allstate operates several subsidiaries, including National General, Encompass, and Esurance, and holds policies with more than 10% of the U.S. car insurance market as of 2025. It earned a spot on our list for its classic car/collector car insurance, a specific add-on that not all insurers offer.

Discounts: 12
Online Quotes
Online Policy Purchase

Available in all 50 states and D.C.

Why We Like Allstate

Allstate sells liability, collision, and comprehensive coverage, along with extras such as new car replacement, ride-sharing coverage, and classic/collector car insurance. It suits households that bundle policies or insure several cars. You can get a quote, buy a policy and file a claim online.

Pros and Cons

Pros

Available in all 50 states and D.C.
Offers new car replacement
Offers gap insurance

Cons

Fewer discounts than top competitors

Solvable's Take on Allstate Car Insurance

Allstate makes the most sense for a household that can use several discounts at once. If you have two or more cars and a second policy to bundle, you can use the Multi-car and Multi-policy discounts. Allstate is also our pick for classic cars, because Classic/Collector Car Insurance sits on the same menu as everyday coverage.

A new-car buyer can put New Car Replacement and Gap Insurance on one policy, and rideshare drivers can add Ride-Sharing Coverage instead of shopping for it separately. Medical payments, personal injury protection, rental reimbursement and roadside assistance are available as well. You can obtain quotes, buy a policy and manage claims online.

Drivewise, Allstate's driving-tracking program, can provide a healthy premium discount, but at least one driver on the policy must complete 50 trips before renewal to qualify.

Allstate also offers several payment discounts for paying up front, enrolling in automatic payments and receiving bills electronically.

Allstate Car Insurance Discounts

Allstate offers the following discounts. Availability and amounts vary by state. Several depend on choices you control, like how you pay, when you sign and other factors.

Multi-policy
New car
Student
Anti-lock brake
Anti-theft device
EZ pay
Paperless
Early signing
FullPay
Responsible payer
Safe driving
Multi-car

Allstate Car Insurance Coverage

Liability Coverage

Allstate auto insurance includes liability coverage, which pays for injuries and property damage you cause to other people in a crash you're responsible for. Nearly every state requires it.

Collision Coverage

Pays to repair your car after a crash with another vehicle or an object, minus your deductible. The deductible is the amount you pay out of pocket on a claim before coverage starts.

Comprehensive Coverage

Pays for damage that doesn't come from a crash, such as theft, hail or colliding with an animal.

Uninsured/Underinsured Motorist

Pays your costs when the driver who caused the crash has no insurance or not enough to cover the damage.

Gap Insurance

Pays the difference between what you still owe on a loan or lease and what the car is worth if it's totaled.

Classic/Collector Car Insurance

Pays for coverage built around collector vehicles rather than everyday cars.

Frequently Asked Questions

Is Allstate car insurance good?

Allstate works well for drivers who want a lot of coverage options and a stack of discounts to choose from. Allstate offers a coverage option specifically for owners of classic or collector cars.

How do I qualify for Allstate's Drivewise discount?

To qualify for Drivewise, at least one driver on the policy must complete 50 trips before renewal, and the discount isn't available in California or Alaska, according to Allstate's Drivewise FAQ. If your policy renews in six months, that works out to roughly two trips a week. A daily commuter clears that easily; someone who drives a couple of times a month likely won't make it before renewal.