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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jul 19, 2021

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The Truth in a Nutshell

  • Allstate car insurance discounts are varied and offer savings up to 45 percent
  • Stacking multiple discounts will save you even more money
  • Compare car insurance rates with discounts to see has the best deal

Allstate car insurance discounts are a great way to lower your rates. There are so many, there’s sure to be at least one you can take advantage of.

Keep reading to find information on a variety of Allstate discounts, including anti-lock brakes discounts, anti-theft discounts, deductible rewards, Allstate good student discounts, and more. The perks of Allstate auto insurance discounts can range from saving up to 45 percent to getting $100 off your deductible.

These days, car insurance discounts are all the rage. You never actually hear about the starting or final price, just the many discounts available to drivers.

But we’ve noted before that if the starting price is much higher than comparable quotes, even a ton of discounts won’t translate to the best deal. We’ve all wondered why insurance is so expensive, but you can use discounts to help lower those rates.

For example, a car insurance rate that starts at $900 with no discounts is better than one that starts at $2,000 with 50 percent off.

That being said, let’s take a look at the discounts offered by one of the top auto insurance companies in the United States to help keep your Allstate auto insurance rates low.

Anytime during the read, if you are interested in finding affordable auto insurance in your area, type your ZIP code into the quote box above to find affordable auto insurance in your area to compare with your Allstate car insurance with discounts.

Read on to find our Allstate discounts list and see what you are eligible for.

What car insurance discounts does Allstate offer?

If you are interested in buying Allstate car insurance, don’t let the price stop you. Get information on any discounts you may qualify for to reduce your rates.

Allstate has many different car insurance discounts available so everyone should find some sort of deal. They offer everything from a discount for your car’s safety features to a good student discount.

For example, with a good student discount from Allstate, single full-time students under 25 can save up to 20 percent. To receive the Allstate smart student discount they must get good grades, typically a “B” average or Dean’s List.

Check out this table to see the Allstate insurance discounts list.

Allstate Car Insurance Discounts
Allstate DiscountsPercentage Saved
Anti-lock Brakes10%
Anti-Theft10%
Claim Free35%
Daytime Running Lights2%
Defensive Driver10%
Distant Student35%
Driver's Ed10%
Driving Device/App20%
Early Signing10%
Electronic Stability Control2%
Farm Vehicle10%
Full Payment10%
Good Student20%
Green Vehicle10%
Multiple Policies10%
Newer Vehicle30%
On-Time Payments5%
Paperless Documents10%
Paperless/Auto Billing5%
Passive Restraint30%
Safe Driver45%
Senior Driver10%
Utility Vehicle15%
Vehicle Recovery10%
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With discounts ranging from as little as five percent to as high as 45 percent, there are great ways to get affordable Allstate auto insurance.

What other discounts does Allstate offer on car insurance?

In addition to the more common discounts, Allstate has even more ways to save.

A few of the other Allstate insurance discounts are:

  • 55 and retired – save up to 10 percent if you’re at least 55 years old and retired.
  • Deductible rewards – get $100 off your auto deductible the day you sign up, and $100 off each year you go accident-free (similar to vanishing deductible).
  • EZ pay plan discount – save up to five percent for setting up auto payments.
  • Economy car discount – get a discount for driving an “economy car.”
  • eSmart® discount – to get the Allstate eSmart discount,  you must sign up for an ePolicy (paperless), and you can save up to 10 percent.
  • Good payer discount – save up to five percent for paying on time when you renew.
  • Preferred package discount – get a discount if you insure more than one vehicle, own a home, and pay electronically.
  • Resident student discount
  • teenSMART discount – if you’re between 16 and 21, and successfully complete the teenSMART program, you’re eligible for a discount.

Be sure to contact your insurance agent or Allstate directly to ensure these discounts apply in your unique situation and/or in your state.

You can also ask them about other discounts not mentioned here, such as the Allstate professional discount, Allstate responsible payer discount, Allstate responsible payer discount, and Allstate distinguished driver.

Not every discount is available in each state and individual discount percentages may vary by the state in which you reside.

Additionally, insurance companies are constantly tweaking their auto insurance rates based on their results, so these discounts could be changing as we speak.

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What Allstate car insurance rates and coverages are available?

Allstate has many different coverages and rate options available. Since you know about the discounts you can receive, let’s look at the initial rates.

How much does Allstate car insurance cost?

The rates for Allstate are determined by many different factors. These include age, driving history, and credit rating just to name a few.

The type of coverage you choose will also affect your auto insurance rates. Higher coverage equals higher rates but less money out of pocket later.

This table will give you an idea of the average annual cost of Allstate compared to other top companies.

Average Annual Car Insurance Rates by Coverage Level
CompaniesAverage Annual Rates
for Low Coverage
Average Annual Rates
for Medium Coverage
Average Annual Rates
for High Coverage
USAA$2,404.11$2,539.87$2,667.92
GEICO$3,001.91$3,213.97$3,429.14
State Farm$3,055.40$3,269.80$3,454.80
American Family$3,368.49$3,544.37$3,416.40
Nationwide$3,394.83$3,449.80$3,505.37
Progressive$3,737.13$4,018.46$4,350.96
Farmers$3,922.47$4,166.22$4,494.13
Travelers$4,223.63$4,462.02$4,619.07
Allstate$4,628.03$4,896.81$5,139.02
Liberty Mutual$5,805.75$6,058.57$6,356.04
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You can see that Allstate is the second most expensive company on this list. That’s why it’s important to take advantage of all discounts available to you.

What other coverages does Allstate offer?

Besides car insurance, Allstate offers many other coverages.

These coverages include:

  • Motorcycle
  • Homeowners
  • Renters
  • Boat
  • RV

If you have any of these, you can qualify for a multi-policy discount as well to help lower your rates.

What are the Allstate customer satisfaction ratings?

Generally, Allstate has decent customer satisfaction ratings, but it’s easy to see that price affects customer satisfaction.  Allstate tends to be one of the more expensive auto insurance companies and that negatively impacts their rating.

Now that you have read about Allstate discounts, you may want to compare quotes from different companies. Enter your ZIP code into the quote tool below for free auto insurance quotes to compare with your Allstate auto insurance with discounts.

References:

  1. https://mycardoeswhat.org/safety-features/