Car Insurance How much does Allstate car insurance cost? Allstate averages $3,159 per year for full coverage, $581 above the national average. See how rates compare nationwide, what affects your premium, and how to save. View Carriers Please enter valid zip Compare top carriers in your area Written by Alisha AmbreAlisha AmbreAlisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game. | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onApril 2, 2026 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Allstate full coverage car insurance averages $3,159 per year, or $263 per month — $581 above the national average of $2,578. It’s one of the more expensive major insurers, but its wide agent network, strong claims support, and discount program make it a competitive choice for the right driver. Bundling home and auto alone saves an average of 25%, which can bring the effective cost much closer to what competitors charge. What you actually pay depends on far more than the national average. Your city, driving record, age, vehicle, credit score, and the discounts you qualify for all play a role — and together they can push your rate well above or below the figures in this article. A driver in Columbus, Ohio pays $2,251 per year for full coverage with Allstate. The same profile in Las Vegas pays $6,006. That nearly $3,800 gap is driven by location alone — add in a recent accident, a younger driver, or a high-value vehicle and the range widens further. 💡 Your actual Allstate rate will likely differ from the averages here — and shopping around is the only way to know if it’s competitive Your specific quote depends on your age, driving history, credit score, vehicle, zip code, and the discounts you qualify for — all of which can move your rate significantly in either direction. Before committing to Allstate, get quotes from at least three other carriers with the same coverage levels. The carrier that’s cheapest nationally may not be cheapest for your specific profile, and the only way to find out is to compare real numbers. How much does Allstate car insurance cost? Allstate’s average annual cost for full coverage is $3,159 — $581 more than the national average of $2,578. State minimum and liability-only policies are considerably cheaper, but they leave your own vehicle unprotected. Experts generally recommend full coverage with at least 100/300/100 limits for meaningful protection. Here’s how Allstate average car insurance rates vary by coverage type. Coverage typeAverage six-month costAverage monthly costAverage annual costFull coverage$1,580$263$3,159State minimum$473$79$946Liability only$530$88$1,059 Powered by: 💡 Liability-only coverage is cheaper, but it leaves a significant gap in protection A liability-only policy pays for damage you cause to others — it provides nothing for your own vehicle if you’re in an at-fault accident, regardless of how much the repairs cost. The jump from $1,059 (liability only) to $3,159 (full coverage) buys you collision and comprehensive protection. For any car worth more than a few thousand dollars, that gap is worth covering. If you’re on the fence, check your car’s actual cash value on Kelley Blue Book before deciding. Allstate car insurance rates by state Allstate’s full coverage rates range from $1,667 in Vermont to $5,064 in Florida — a spread that reflects the significant role state regulations, weather risk, and traffic conditions play in pricing. The table below shows Allstate’s average annual rates by state for full coverage, state minimum, and liability-only policies. State nameFull coverageState minimumLiability onlyAlaska$2,354$523$518Alabama$1,948$678$633Arkansas$3,798$1,087$1,026Arizona$2,867$818$676California$4,032$1,289$1,232Colorado$3,938$1,169$1,053Connecticut$3,053$1,270$1,106Washington, D.C.$4,827$1,696$1,436Delaware$4,825$2,082$1,967Florida$5,064$2,349$1,479Georgia$2,271$818$912Hawaii$2,389$745$670Iowa$3,047$721$674Idaho$2,536$694$693Illinois$2,851$711$631Indiana$2,679$787$740Kansas$3,595$1,216$1,126Kentucky$3,866$1,057$987Massachusetts$3,361$1,316$1,188Maryland$3,455$1,459$1,285Maine$1,889$565$565Minnesota$3,129$984$920Mississippi$3,002$1,005$932Montana$3,341$859$809North Carolina$4,342$963$963North Dakota$2,892$961$883Nebraska$2,602$917$832New Hampshire$1,920$879$811New Jersey$3,311$1,499$1,355New Mexico$2,958$897$830Nevada$4,354$1,866$1,613New York$2,909$1,929$1,587Ohio$1,914$667$630Oklahoma$3,536$920$861Pennsylvania$2,484$647$540Rhode Island$3,195$1,185$905South Carolina$2,701$846$737South Dakota$2,336$606$553Tennessee$3,152$865$790Texas$4,484$1,365$1,276Utah$2,919$977$901Virginia$2,310$870$865Vermont$1,667$255$238Washington$2,618$928$866Wisconsin$2,916$992$905West Virginia$3,765$919$795Wyoming$3,184$700$672 Powered by: The 10 most expensive states for Allstate car insurance Florida, Washington D.C., and Delaware are Allstate’s three most expensive markets — all averaging over $4,800 per year for full coverage. High accident rates, litigation-prone legal environments, severe weather risk, and dense traffic all contribute to elevated premiums in these states. The table below shows the most expensive states for Allstate full coverage. State NameFull coverageFlorida$5,064Washington, D.C.$4,827Delaware$4,825Texas$4,484Nevada$4,354North Carolina$4,342California$4,032Colorado$3,938Kentucky$3,866Arkansas$3,798 Powered by: 💡 If you live in a high-cost state, shopping around is even more important than it is elsewhere In Florida, Allstate’s average of $5,064 compares to State Farm at $2,758 and GEICO at $2,974 for similar coverage. That’s a difference of over $2,000 per year from the same insurer market. The most expensive states for Allstate aren’t necessarily the most expensive for all insurers — some competitors price Florida and Texas more aggressively. Getting at least three quotes in a high-cost state takes 30 minutes and can produce significant savings. Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now The 10 most affordable states for Allstate car insurance Vermont, Maine, and Ohio offer Allstate’s lowest full coverage rates — all under $1,950 per year. Lower population density, fewer weather-related claims, and less litigation contribute to more modest premiums in these states. The table below shows the most affordable states for Allstate full coverage. State NameFull coverageVermont$1,667Maine$1,889Ohio$1,914New Hampshire$1,920Alabama$1,948Georgia$2,271Virginia$2,310South Dakota$2,336Alaska$2,354Hawaii$2,389 Powered by: Allstate car insurance costs in the 25 largest cities City-level rates can vary significantly even within the same state. Dallas averages $5,871 for full coverage from Allstate while Columbus, Ohio averages $2,251 — a difference of nearly $3,600 that reflects local traffic density, accident rates, and claims history. Here’s how Allstate average annual car insurance rates look in the nation’s top 25 cities. CityFull coverageState minimumLiability onlyNew York, New York$4,998$2,868$3,471Los Angeles, California$5,434$1,654$1,736Chicago, Illinois$3,044$709$779Houston, Texas$5,206$1,481$1,585Phoenix, Arizona$3,545$836$1,011Philadelphia, Pennsylvania$3,376$784$940San Antonio, Texas$4,651$1,323$1,416San Diego, California$3,883$1,187$1,240Dallas, Texas$5,871$1,671$1,788San Jose, California$3,692$1,128$1,179Austin, Texas$4,448$1,266$1,355Jacksonville, Florida$5,487$1,602$2,545Fort Worth, Texas$4,486$1,276$1,366Columbus, Ohio$2,251$742$784Charlotte, North Carolina$4,715$1,059$1,059San Francisco, California$4,973$1,520$1,588Indianapolis, Indiana$2,816$778$828Seattle, Washington$3,142$1,040$1,114Denver, Colorado$4,344$1,160$1,287Washington, Washington, D.C.$4,827$1,436$1,696Boston, Massachusetts$4,221$1,457$1,636El Paso, Texas$4,671$1,329$1,422Nashville, Tennessee$3,157$778$866Oklahoma City, Oklahoma$4,169$1,016$1,085Las Vegas, Nevada$6,006$2,225$2,574 Powered by: 💡 Urban vs suburban rates within the same state can differ by hundreds of dollars Allstate charges $5,434 in Los Angeles but considerably less in San Diego and San Jose. If you’re moving between cities in the same state, it’s worth getting a new quote rather than assuming your rate transfers unchanged. Zip code is one of the most significant pricing factors in car insurance, and the difference between a dense urban area and a nearby suburb can be substantial. How does Allstate compare to other major insurers? Allstate’s full coverage average of $3,159 makes it one of the more expensive major insurers — only Farmers is higher among the carriers compared below. USAA, Travelers, and Erie Insurance are significantly cheaper, though USAA is only available to military families. Here’s how Allstate compares to other major competitors. CompanyFull coverage costAllstate$3,159GEICO$2,159State Farm$2,875Progressive$2,569Farmers$3,207Nationwide$2,524Travelers$1,962Auto-Owners$2,173Erie Insurance$1,967USAA*$1,628 *USAA is only available to military community members and their families.Powered by: 💡 The cheapest insurer for someone else may not be the cheapest for you — here’s why it’s worth shopping around These averages are a useful starting point, but insurers weigh factors like driving history, credit score, vehicle type, and location very differently from one another. A driver with a recent accident might find State Farm far more forgiving than GEICO, while a young driver in Florida might find the opposite. The only reliable way to know which insurer is actually cheapest for your specific profile is to get quotes from at least three carriers with identical coverage levels and compare the real numbers side by side. The table above shows where to start — but your own quotes are what actually matter. Car insurance rates by state and company The table below shows average annual car insurance rates from all major carriers in each state — giving you a direct comparison of what Allstate costs versus alternatives in your specific market. State nameCompanyAvg. annual costAvg monthly costAlaskaAllstate$2,354$196AlaskaGEICO$1,831$153AlaskaProgressive$1,832$153AlaskaState Farm$2,548$212AlaskaUSAA*$1,572$131AlaskaWestern National Insurance$2,928$244AlabamaAllstate$1,948$162AlabamaAuto-Owners$1,873$156AlabamaCountry Financial$2,083$174AlabamaFarmers$3,294$274AlabamaGEICO$1,546$129AlabamaNationwide$1,965$164AlabamaProgressive$2,503$209AlabamaSafeway Insurance$2,940$245AlabamaTravelers$1,650$137AlabamaUSAA*$1,561$130ArkansasAlfa Insurance$4,008$334ArkansasAllstate$3,798$316ArkansasAuto-Owners$2,580$215ArkansasFarmers$2,760$230ArkansasGEICO$1,918$160ArkansasNationwide$2,681$223ArkansasProgressive$3,619$302ArkansasShelter Insurance$1,934$161ArkansasSouthern Farm Bureau$3,190$266ArizonaAllstate$2,867$239ArizonaFarmers$3,016$251ArizonaGEICO$1,932$161ArizonaProgressive$3,193$266ArizonaTravelers$1,734$145ArizonaUSAA*$1,845$154CaliforniaAllstate$4,032$336CaliforniaAuto Club Enterprises (AAA)$3,559$297CaliforniaCSAA Insurance (AAA)$2,877$240CaliforniaFarmers$4,486$374CaliforniaGEICO$2,039$170CaliforniaMercury Insurance$2,786$232CaliforniaNationwide$4,164$347CaliforniaProgressive$3,013$251CaliforniaState Farm$4,171$348ColoradoAllstate$3,938$328ColoradoAmerican National$1,496$125ColoradoAuto-Owners$4,211$351ColoradoCalifornia Casualty$3,153$263ColoradoFarmers$4,068$339ColoradoGEICO$2,546$212ColoradoProgressive$2,695$225ColoradoSouthern Farm Bureau$3,278$273ColoradoState Farm$4,217$351ColoradoUSAA*$2,208$184ConnecticutAllstate$3,053$254ConnecticutAmica$3,324$277ConnecticutFarmers$3,554$296ConnecticutGEICO$1,621$135ConnecticutKemper$1,861$155ConnecticutNationwide$2,684$224ConnecticutProgressive$3,323$277ConnecticutState Farm$3,620$302ConnecticutUSAA*$1,634$136Washington, D.C.Allstate$4,827$402Washington, D.C.Chubb$3,300$275Washington, D.C.GEICO$1,991$166Washington, D.C.Progressive$4,346$362Washington, D.C.State Farm$4,908$409Washington, D.C.USAA*$1,418$118DelawareAllstate$4,825$402DelawareDairyland$6,579$548DelawareDonegal Insurance$4,087$341DelawareGEICO$1,864$155DelawareNationwide$2,165$180DelawareProgressive$2,620$218DelawareState Farm$3,110$259DelawareTravelers$1,786$149DelawareUSAA*$1,863$155FloridaAIG$6,137$511FloridaAllstate$5,064$422FloridaGEICO$2,974$248FloridaMercury Insurance$3,643$304FloridaProgressive$5,676$473FloridaState Farm$2,758$230FloridaTravelers$2,448$204FloridaUAIC$2,837$236GeorgiaAllstate$2,271$189GeorgiaAuto-Owners$2,231$186GeorgiaGEICO$2,227$186GeorgiaMercury Insurance$3,467$289GeorgiaProgressive$1,807$151GeorgiaSafeway Insurance$4,119$343GeorgiaUSAA*$1,716$143HawaiiAllstate$2,389$199HawaiiFarmers$1,729$144HawaiiGEICO$1,296$108HawaiiIsland Insurance$1,936$161HawaiiProgressive$1,332$111HawaiiState Farm$2,478$207HawaiiUSAA*$1,140$95IowaAllstate$3,047$254IowaAuto-Owners$2,245$187IowaFarmers$2,693$224IowaGEICO$1,923$160IowaIMT Insurance$2,334$194IowaIowa Farm Bureau$3,195$266IowaProgressive$1,930$161IowaWest Bend Insurance Company$2,326$194IdahoAllstate$2,536$211IdahoAuto-Owners$1,661$138IdahoDairyland$2,885$240IdahoFarm Bureau Insurance of Idaho$2,225$185IdahoFarmers$1,723$144IdahoGEICO$1,360$113IdahoNationwide$1,811$151IdahoState Farm$1,313$109IdahoTravelers$1,626$136IllinoisAllstate$2,851$238IllinoisAuto Club Group (AAA)$1,648$137IllinoisAuto-Owners$1,978$165IllinoisCountry Financial$2,374$198IllinoisErie Insurance$2,156$180IllinoisGEICO$1,524$127IllinoisNationwide$1,900$158IllinoisProgressive$1,699$142IllinoisTravelers$1,428$119IndianaAllstate$2,679$223IndianaAuto-Owners$1,901$158IndianaFarmers$2,440$203IndianaGEICO$1,192$99IndianaIndiana Farm Bureau$2,782$232IndianaIndiana Farmers Insurance$2,203$184IndianaProgressive$1,486$124IndianaTravelers$1,457$121IndianaUSAA*$911$76KansasAllstate$3,595$300KansasFarmers$2,021$168KansasGEICO$1,936$161KansasIowa Farm Bureau$4,263$355KansasProgressive$2,031$169KansasShelter Insurance$2,349$196KansasState Farm$3,101$258KansasTravelers$1,834$153KansasUSAA*$1,394$116KentuckyAllstate$3,866$322KentuckyAuto-Owners$2,550$213KentuckyGEICO$2,323$194KentuckyKentucky Farm Bureau Insurance$3,094$258KentuckyNationwide$2,757$230KentuckyProgressive$2,779$232KentuckyShelter Insurance$2,061$172KentuckyState Farm$2,814$234KentuckyTravelers$1,828$152LouisianaAuto Club Enterprises (AAA)$4,756$396LouisianaFarmers$4,531$378LouisianaGEICO$3,391$283LouisianaLouisiana Farm Bureau Insurance$5,059$422LouisianaProgressive$5,206$434LouisianaSafeway Insurance$4,609$384LouisianaSouthern Farm Bureau$2,230$186LouisianaUSAA*$2,456$205MassachusettsAllstate$3,361$280MassachusettsAmica$2,404$200MassachusettsArbella Insurance$2,693$224MassachusettsFarmers$2,782$232MassachusettsGEICO$1,841$153MassachusettsN&D Group$2,329$194MassachusettsPlymouth Rock Assurance$1,646$137MassachusettsProgressive$2,170$181MassachusettsSafety Insurance$2,435$203MassachusettsTravelers$2,761$230MarylandAllstate$3,455$288MarylandErie Insurance$2,139$178MarylandGEICO$1,561$130MarylandNationwide$1,986$165MarylandProgressive$2,445$204MarylandState Farm$2,147$179MarylandTravelers$1,945$162MarylandUSAA*$1,313$109MaineAllstate$1,889$157MaineAuto-Owners$1,639$137MaineFarmers$2,306$192MaineGEICO$1,364$114MaineMMG Insurance$2,073$173MaineProgressive$1,827$152MaineState Farm$2,389$199MaineTravelers$977$81MichiganAuto-Owners$2,868$239MichiganFrankenmuth Insurance$5,197$433MichiganGEICO$1,971$164MichiganProgressive$2,946$245MichiganState Farm$4,323$360MichiganThe Hanover$7,837$653MinnesotaAllstate$3,129$261MinnesotaAuto Club Group (AAA)$2,129$177MinnesotaAuto-Owners$2,243$187MinnesotaGEICO$3,397$283MinnesotaNationwide$2,597$216MinnesotaNorth Star Mutual$3,181$265MinnesotaState Farm$2,332$194MinnesotaTravelers$1,837$153MissouriAuto Club Enterprises (AAA)$2,980$248MissouriAuto-Owners$1,825$152MissouriGEICO$1,952$163MissouriMissouri Farm Bureau Insurance$2,772$231MissouriNationwide$2,814$235MissouriShelter Insurance$1,923$160MissouriTravelers$1,692$141MissouriUSAA*$1,273$106MississippiAllstate$3,002$250MississippiGEICO$2,667$222MississippiNationwide$2,092$174MississippiProgressive$2,545$212MississippiSafeway Insurance$3,711$309MississippiShelter Insurance$2,147$179MississippiSouthern Farm Bureau$2,918$243MississippiTravelers$1,779$148MississippiUSAA*$1,410$117MontanaAllstate$3,341$278MontanaFarmers$2,856$238MontanaGEICO$2,858$238MontanaNationwide$2,167$181MontanaProgressive$2,775$231MontanaState Farm$2,058$172MontanaUSAA*$1,274$106North CarolinaAllstate$4,342$362North CarolinaGEICO$3,111$259North CarolinaNationwide$2,486$207North CarolinaNorth Carolina Farm Bureau Insurance$2,719$227North CarolinaPenn National Insurance$2,713$226North CarolinaProgressive$1,460$122North CarolinaState Farm$1,653$138North DakotaAllstate$2,892$241North DakotaAmerican Family$2,614$218North DakotaAuto-Owners$2,315$193North DakotaGEICO$1,978$165North DakotaNodak Insurance$2,394$199North DakotaNorth Star Mutual$2,610$217North DakotaProgressive$2,190$183North DakotaState Farm$2,514$210NebraskaAllstate$2,602$217NebraskaAuto-Owners$1,626$136NebraskaFarmers Mutual of Nebraska$1,625$135NebraskaGEICO$2,653$221NebraskaIowa Farm Bureau$4,149$346NebraskaProgressive$2,389$199NebraskaShelter Insurance$2,152$179NebraskaUSAA*$1,563$130New HampshireAllstate$1,920$160New HampshireAuto-Owners$1,470$123New HampshireFarmers$2,656$221New HampshireGEICO$1,216$101New HampshireMMG Insurance$1,606$134New HampshireNationwide$1,480$123New HampshireProgressive$1,548$129New HampshireSafety Insurance$1,587$132New HampshireState Farm$2,307$192New JerseyAllstate$3,311$276New JerseyFarmers$2,726$227New JerseyGEICO$2,597$216New JerseyNJM$2,373$198New JerseyPlymouth Rock Assurance$4,534$378New JerseyProgressive$3,069$256New JerseyState Farm$3,997$333New JerseyTravelers$2,522$210New MexicoAllstate$2,958$247New MexicoCentral Insurance$2,122$177New MexicoFarmers$3,103$259New MexicoGEICO$1,518$126New MexicoIowa Farm Bureau$3,785$315New MexicoKemper$3,528$294New MexicoNationwide$2,220$185New MexicoProgressive$2,845$237New MexicoUSAA*$1,115$93NevadaAllstate$4,354$363NevadaCSAA Insurance (AAA)$4,330$361NevadaFarmers$4,281$357NevadaGEICO$2,540$212NevadaKey Insurance Company$6,064$505NevadaProgressive$4,069$339NevadaState Farm$3,889$324NevadaTravelers$2,206$184New YorkAllstate$2,909$242New YorkGEICO$2,341$195New YorkNYCM Insurance$2,049$171New YorkPreferred Mutual$2,403$200New YorkProgressive$1,258$105New YorkState Farm$2,978$248New YorkThe Hanover$3,514$293New YorkTravelers$3,599$300OhioAllstate$1,914$159OhioAuto-Owners$1,697$141OhioErie Insurance$1,610$134OhioFarmers$2,214$184OhioGrange Insurance$1,512$126OhioTravelers$1,555$130OhioWestfield Insurance$1,993$166OklahomaAFR Insurance$3,240$270OklahomaAllstate$3,536$295OklahomaEquity Insurance$4,997$416OklahomaFarmers$3,278$273OklahomaGEICO$2,194$183OklahomaMercury Insurance$2,760$230OklahomaOklahoma Farm Bureau$3,990$333OklahomaProgressive$2,241$187OklahomaShelter Insurance$2,350$196OklahomaUSAA*$1,546$129OregonCountry Financial$2,388$199OregonFarmers$2,655$221OregonGEICO$2,041$170OregonNationwide$1,912$159OregonProgressive$1,539$128OregonState Farm$2,194$183OregonTravelers$1,690$141PennsylvaniaAllstate$2,484$207PennsylvaniaErie Insurance$2,044$170PennsylvaniaGEICO$2,403$200PennsylvaniaProgressive$2,884$240PennsylvaniaState Farm$2,722$227PennsylvaniaTravelers$1,770$148PennsylvaniaUSAA*$1,951$163PennsylvaniaWestfield Insurance$2,401$200Rhode IslandAllstate$3,195$266Rhode IslandAmerican Family$2,904$242Rhode IslandAmica$3,132$261Rhode IslandFarmers$3,864$322Rhode IslandGEICO$2,906$242Rhode IslandNationwide$3,073$256Rhode IslandProgressive$2,523$210Rhode IslandState Farm$2,288$191Rhode IslandTravelers$2,124$177South CarolinaAllstate$2,701$225South CarolinaAuto-Owners$1,731$144South CarolinaDairyland$4,790$399South CarolinaGEICO$2,440$203South CarolinaProgressive$2,632$219South CarolinaState Farm$3,278$273South CarolinaTravelers$2,193$183South CarolinaUSAA*$1,949$162South DakotaAllstate$2,336$195South DakotaAuto-Owners$2,895$241South DakotaFarmers$2,890$241South DakotaFarmers Mutual of Nebraska$1,504$125South DakotaGEICO$3,061$255South DakotaIowa Farm Bureau$4,212$351South DakotaNationwide$2,547$212South DakotaNorth Star Mutual$2,812$234South DakotaProgressive$2,270$189South DakotaState Farm$2,551$213TennesseeAllstate$3,152$263TennesseeAuto-Owners$1,907$159TennesseeErie Insurance$2,142$179TennesseeFarm Bureau Insurance of Tennessee$2,146$179TennesseeFarmers$2,303$192TennesseeGEICO$1,686$141TennesseeNationwide$2,411$201TexasAllstate$4,484$374TexasAuto Club Enterprises (AAA)$3,398$283TexasFarmers$6,136$511TexasGEICO$2,625$219TexasIncline Insurance$1,638$136TexasProgressive$3,105$259TexasState Farm$2,445$204TexasUSAA*$2,076$173UtahAllstate$2,919$243UtahAuto-Owners$2,097$175UtahDairyland$2,059$172UtahFarmers$2,967$247UtahGEICO$1,550$129UtahIowa Farm Bureau$3,143$262UtahProgressive$2,260$188UtahState Farm$4,472$373UtahUnited Insurance Co$2,590$216UtahUSAA*$1,354$113VirginiaAllstate$2,310$193VirginiaErie Insurance$1,733$144VirginiaGEICO$1,623$135VirginiaProgressive$2,660$222VirginiaState Farm$2,532$211VirginiaTravelers$1,403$117VirginiaUSAA*$1,180$98VirginiaVirginia Farm Bureau Insurance$1,240$103VermontAllstate$1,667$139VermontAuto-Owners$1,801$150VermontCo-operative Insurance Companies$1,661$138VermontGEICO$1,616$135VermontNationwide$1,599$133VermontState Farm$1,513$126VermontVermont Mutual$1,857$155WashingtonAllstate$2,618$218WashingtonFarmers$2,217$185WashingtonGEICO$2,033$169WashingtonNationwide$2,563$214WashingtonPEMCO$2,415$201WashingtonProgressive$2,557$213WashingtonState Farm$2,559$213WashingtonTravelers$2,154$179WisconsinAcuity Insurance$2,994$249WisconsinAllstate$2,916$243WisconsinAuto-Owners$2,379$198WisconsinErie Insurance$1,926$161WisconsinFarmers$2,834$236WisconsinGEICO$1,607$134WisconsinNationwide$1,824$152WisconsinRural Mutual Insurance$1,983$165WisconsinWest Bend Insurance Company$2,637$220West VirginiaAllstate$3,765$314West VirginiaErie Insurance$2,096$175West VirginiaFarmers$2,805$234West VirginiaGEICO$1,907$159West VirginiaProgressive$2,530$211West VirginiaUSAA*$1,453$121WyomingAllstate$3,184$265WyomingAmerican National$1,271$106WyomingFarmers$1,607$134WyomingGEICO$3,222$268WyomingState Farm$1,642$137WyomingUSAA*$1,439$120 *USAA is only available to military community members and their families.Powered by: What factors affect the cost of Allstate car insurance? Allstate uses the same core rating factors as most major insurers, but the weight it assigns to each one influences where its rates land relative to competitors. Your vehicle. Newer, more expensive, and higher-performance vehicles cost more to insure. Vehicles with advanced safety technology may qualify for discounts, but their repair costs can push premiums higher after an accident. Driving history. A clean record typically produces Allstate’s most competitive rates. At-fault accidents, speeding tickets, and DUIs all increase premiums significantly and stay on your record for three to five years. How much you drive. Higher annual mileage means more time on the road and more exposure to accidents. Drivers who commute long distances typically pay more than those who work from home or drive infrequently. Your age. Teen drivers pay significantly more due to higher accident rates. Rates typically decline through your 30s and 40s before rising again slightly in older age. Coverage type and limits. Choosing full coverage with higher liability limits costs more than state minimum, but provides substantially more protection. Options like roadside assistance and rental reimbursement add further to the premium. Your location. State, city, and even zip code influence your rate based on local accident rates, weather risk, repair costs, and the legal environment. Credit history. In most states, Allstate uses credit-based insurance scores as a rating factor. Drivers with stronger credit typically pay less. What discounts does Allstate offer? Allstate’s discount program is one of the more extensive among major insurers. Taking advantage of multiple discounts can bring its higher base rate closer to competitive levels. Bundling discount. Combining home and auto policies with Allstate saves an average of 25%. This is one of the most reliable ways to offset Allstate’s higher base premium if you also need homeowners or renters coverage. Safe driving club. Maintaining a clean driving record over time earns ongoing discounts. Allstate also offers a discount for completing an approved defensive driving course. Drivewise. Allstate’s telematics program tracks driving behavior via an app and rewards safe habits with discounts. Low-mileage, smooth braking, and avoiding late-night driving all contribute to a better score. Smart student discount. Students with a GPA of 2.7 or above qualify for this discount — useful for parents adding teen drivers to a policy. New car discount. First-time owners of a brand-new vehicle may qualify for a discount. Early renewal discount. Renewing before your current term expires earns a discount. Pay-in-full discount. Paying your annual premium upfront rather than in installments typically saves on fees. Anti-theft and safety features. Vehicle alarms, kill switches, antilock brakes, and collision-avoidance systems can each earn modest discounts. Allstate eSmart. Opting for paperless billing and online policy documents earns a small discount. 💡 Allstate’s Drivewise program can be genuinely valuable for low-mileage or careful drivers Unlike some telematics programs that only reward you at renewal, Drivewise offers an initial discount just for enrolling and tracks a range of behaviors beyond just speeding. If you drive fewer than 10,000 miles per year, avoid late-night driving, and brake smoothly, the combined savings can be meaningful. It’s worth enrolling even if you’re skeptical — you can always opt out if the monitoring feels intrusive, and you keep any discount earned during the participation period. How to get a quote from Allstate Allstate offers three ways to get a quote, each suited to different preferences. Online Visit Allstate.com and click Get a Quote on the homepage. Select auto insurance, enter your personal information and vehicle details, answer questions about your coverage preferences, and Allstate will provide an estimated rate. The online process typically takes 10 to 15 minutes. By phone Call Allstate customer service at (866) 977-0264. Have your driver’s license and vehicle identification number (VIN) ready. An agent will walk through your coverage options and provide a quote. Through a local agent Use the agent locator on Allstate’s website to find an agent near you. Meeting with an agent is useful if your situation is more complex — multiple vehicles, prior claims, or coverage needs that benefit from a more detailed conversation. Frequently asked questions Is Allstate expensive compared to other insurers? Allstate is one of the more expensive major insurers for car insurance, averaging $3,159 per year for full coverage compared to a national average of $2,578. Among major carriers, only Farmers averages higher. GEICO, Travelers, Erie, and USAA all average significantly less. That said, Allstate’s discount program — particularly the 25% bundling discount — can narrow the gap considerably for drivers who also carry homeowners or renters coverage. Why is Allstate more expensive than other insurers? Allstate’s higher premiums reflect a combination of factors: its broader agent network (which adds distribution costs), its investment in claim handling and customer service, and its pricing model, which tends to load more cost onto higher-risk profiles. Drivers with clean records and multiple policies to bundle are better positioned to find Allstate competitive. Drivers with recent violations or limited bundling options will typically find better rates elsewhere. Does Allstate offer discounts for safe driving? Allstate offers multiple safe driving discounts. The safe driving club rewards a clean record over time. The Drivewise telematics program offers discounts for enrolling and for demonstrating safe driving habits through the app. A defensive driving course discount is also available in most states. Together, these discounts can meaningfully reduce premiums for drivers who qualify. How do I lower my Allstate car insurance rate? The most effective approaches are bundling your home and auto policies (average saving of 25%), enrolling in Drivewise if you’re a careful or low-mileage driver, maintaining a clean driving record, and improving your credit score if it has room to grow. Raising your deductible from $500 to $1,000 also typically reduces your premium by around 11%. If none of these options bring Allstate’s rate to a competitive level, comparing quotes from other carriers at renewal is the most reliable path to a lower premium. Is Allstate a good insurance company? Allstate scores 3.57 out of 5 in our customer satisfaction survey, with 83% of customers satisfied with its service and 93% saying they plan to renew. Those renewal numbers are notably high for an above-average-cost insurer and suggest most customers find the service worth the premium. Allstate is well established, financially stable, and offers a wide range of coverage options and add-ons. Whether it’s the right choice depends on whether its rates are competitive in your state and whether you qualify for enough discounts to justify the higher base cost. Sources: Allstate. “What factors may affect your car insurance premium?” Accessed April 2026. Allstate. “Find an Allstate insurance agent near you.” Accessed April 2026. Allstate. “Bundling online and saving money.” Accessed April 2026. Methodology In 2026, Insure.com commissioned Quadrant Information Systems to analyze car insurance rates for 40-year-old male and female drivers with a clean driving record and a good insurance score. The sample profile includes full coverage with 100/300/100 liability limits and a $500 deductible for collision and comprehensive, based on a Honda Accord LX driven 12 miles daily and 10,000 miles annually. The analysis includes quotes from 51 states, 29,159 cities and 34,595 ZIP codes, covering 195 insurance companies across 73 insurer groups and more than 65 million quotes. The national average premium of $2,578 per year is based on this analysis and is used for comparison throughout the report. Alisha Ambre . .Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game. In case you missed it The most expensive and cheapest cars to insure in 2026 Do you have to add a teenage driver to your car insurance policy? 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Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page How much does Allstate car insurance cost?Allstate car insurance rates by stateThe 10 most expensive states for Allstate car insuranceThe 10 most affordable states for Allstate car insuranceAllstate car insurance costs in the 25 largest citiesHow does Allstate compare to other major insurers?Car insurance rates by state and companyWhat factors affect the cost of Allstate car insurance?What discounts does Allstate offer?How to get a quote from AllstateFrequently asked questionsMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330