Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

Full Bio →

Written by Shuman Roy
Content Writer & Entrepreneur Shuman Roy

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...

Full Bio →

Reviewed by Joel Ohman
Founder, CFP® Joel Ohman

UPDATED: Jun 3, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.

The Truth in a Nutshell

  • The Value Plan is part of Allstate’s Your Choice Auto options and has several different levels.
  • Despite the name, there might not be as much value as you think.
  • The Allstate Platinum Protection Package costs you 15% more than the Standard Plan.
  • Allstate offers a range of discounts that you can add to your coverage to increase your savings, such as the Allstate Safe Driving Bonus Check.


This Allstate Value Plan review will cover the rates, if you should upgrade, and if the acclaimed Allstate Platinum Plan is actually worth the extra cost.

Though the Allstate Value Plan frequently appears on television nowadays and is advertised as the best protection plan you can get for your money, there isn’t actually a whole lot of information about the plan itself circulating in the media.

That’s why we did a little digging to help you with an Allstate Value Plan review. As it turns out, there might be a reason they don’t readily discuss the details. But rather than try and explain what the Allstate Value Plan is, we’re going to focus on what it’s not. 

As you read, bear in mind that just because there are a lot of Allstate auto insurance discounts and value plans, that doesn’t mean they have the best deal out there.

While the Allstate quotes you receive might be lower than other value options, you might not actually be getting the insurance coverage you need.

The best way to make sure you’re getting the coverage you need at the cheapest price available is to compare quotes from different companies. Enter your ZIP code to start comparing your available rates.

Is Allstate Your Choice auto insurance any good?

Let’s start with the company themselves – should you even consider Allstate?

According to a survey conducted by the Insurance Information Institute, Allstate ranks as number four in the top 10 auto insurers, making it one of the top carriers in the nation. So yes, as a company, Allstate is actually pretty great. 

The other concern potential customers often have is whether or not Progressive is better than Allstate. These two powerhouses rank close together, and at any given moment, there’s no telling which one will be above the other.

The best way to determine which is better is to focus on a specific factor that’s important for you, or to compare specific packages. 

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Allstate Value Plan

Now that we know we can trust Allstate, let’s talk coverage. Allstate’s Your Choice Auto program consists of four different insurance packages, each with varying levels of coverage, and varying costs.

Every package from Your Choice Auto is eligible for Auto Replacement Protection, which will replace your car with a new one for free in the event on an accident – for an extra 2 percent in cost, of course.

Allstate Auto Replacement Protection also covers the depreciation of your car (if it’s less than three years old). As we said, the Value Plan is the lowest of the four levels. To best explain it, we’re going to start at the top and work our way down.

The Allstate Platinum Protection Plan

The highest level of protection from Your Choice Auto is the Allstate Platinum Plan. It has all the bells and whistles, but those benefits come at a price – namely, about 15 percent more than the Standard Plan.

Is that 15 percent worth it? What do you get?

1. Accident forgiveness – whether it’s your fault or not. What is Allstate accident forgiveness? Allstate platinum accident forgiveness gets you a 5 percent discount, and your forgiveness starts right away (some companies have a waiting period where you “earn” your forgiveness).

2. Deductible rewards – earn an immediate $100 off your collision deductible, and an additional $100 off each following year with no accident – up to a maximum of $500 off (similar to the Vanishing Deductible over at Nationwide).

Note: states may have different regulations regarding how much can be taken off your deductible.

3. Allstate Safe Driving Bonus Checkaccident-free driving earns you Allstate Safe Driving Bonus checks. On average, you can get back around 5 percent of your premium, every six months.

The biggest draw for the Allstate Platinum Plan is accident forgiveness. But how much can an accident actually affect your car insurance rates? This table shows you the average annual rates for drivers with accidents and traffic tickets.

Average Annual Car Insurance Rates Based on Driving History
Insurance CompaniesAverage Annual Rates with a Clean Driving RecordAverage Annual Rates with One AccidentAverage Annual Rates with One DUIAverage Annual Rates with One Speeding Violation
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Get Your Rates Quote Now

Compare RatesStart Now →

One accident can raise your rates with Allstate an average of $97 a month – making the appeal of accident forgiveness pretty obvious, especially if you’re an accident-prone driver.

The Allstate Gold Plan

After the Platinum Plan comes the Gold Plan, which only costs about 7 percent more than the Standard Policy. When you pit the Allstate Gold Plan vs Platinum, you’ll find that the Gold is not quite as comprehensive as Platinum, but can certainly hold its own.

So what does the Allstate Gold Package offer?

1. Accident forgiveness – only for one accident, but it takes three full years of accident-free driving to qualify. Basically, your rates won’t increase if you only get in one accident every three years (Allstate Platinum coverage is better if you’re prone to be a frequent offender).

2. Deductible rewards – just like the Allstate Platinum Protection Plan, you get $100 off of your collision deductible, plus an extra $100 off each year (up to a max $500 off).

Those benefits aren’t anything to scoff at but if you’re a pretty safe driver, they might not be worth the extra 7 percent in cost.

However, if you’d feel more comfortable with some occasional accident forgiveness (after all, accidents do happen!), and especially if you’re a loyal customer not looking to change auto insurance companies that often, the Gold Plan might just be for you.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Allstate’s Compete Protection with the Standard Level Policy

The third level of Your Choice Auto is the Allstate Standard Plan, which covers all the basics, with one bell (or whistle):

1. Accident Forgiveness – This accident waiver enhancement feature does still offer some lenience towards accidents, but only after a five-year period of accident-free driving where you “earn” your forgiveness.

For loyal customers planning to stick around a while (and good drivers who are confident in their ability to be accident-free for five whole years), this plan might be a good option. It’s still a good idea to shop around a little, though.

There might be an even better plan around the corner – especially if you’re a good driver who doesn’t typically get in accidents.

How is the Allstate Value Plan different?

Finally, we’ve made it to the Value Plan. There are no bells and no whistles at this level – it’s your basic auto insurance policy without all the hype and options to spend more money. Sometimes that’s all you need. Sometimes, you just want to be able to legally drive your car.

The Allstate Value Plan will meet your state’s minimum coverage requirements. You can add additional coverages, like comprehensive, collision, or personal injury protection, as you see fit.

You can also add Allstate-specific coverages, like Allstate Tape Coverage, which covers damage to DVDs and CDs (for those with a sound system and passion for their music).

The Value Plan does come with free enrollment in Good Hands Roadside Assistance and gets you a 5 percent discount for paying your bill upfront and in full.

And don’t forget the Allstate auto insurance discounts, like the Allstate Safe Driving Discount. Car safety features, good grades, and multiple policies can all get you an Allstate insurance company discount. 

Allstate Car Insurance Discounts

Allstate DiscountsPercentage Saved
Anti-lock Brakes10%
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%
Get Your Rates Quote Now

Compare RatesStart Now →

Milewise from Allstate allows drivers to pay less for car insurance if they don’t drive very far. You install a simple device that tracks your mileage, and supposedly, you can save an average of 20 percent.

Milewise Allstate reviews are mixed. Some users like it, but other users are not happy that the device tracks your driving habits as well as your mileage. There’s also a daily surcharge, whether you drive that day or not.

Allstate also offers a program called Drivewise. This program uses a similar device that you install in your car that specifically tracks your driving habits. You can save up to 15 percent if you’re a safe driver. Drivewise reviews seem mostly positive, as are Allstate’s company-wide reviews.

The Verdict: Allstate Platinum vs Gold, Standard, and Value

Allstate has, in the past, spent most of its advertising money pushing its “dollar for dollar” pitch. This tactic explains why Allstate’s coverage plans may, on the surface, appear to cost more – but at their core, Allstate insurance actually gets you more for your money.

Unfortunately, the price tag associated with any given package has been a pretty significant deterrent to families who just can’t afford more expensive insurance.

This may be why Allstate decided to roll out the Value Plan. Not everyone has the option to spend money on additional coverage like the Allstate Platinum Plan; they just need insurance.

And, with Allstate’s various upgrade options and discounts, the Value Plan might actually just be the best bang for your buck. How can you know for sure? Compare! Many companies offer coverage similar to one of the Allstate Protection Plan or the Allstate Value Plan.

What do you think of this Allstate Value Plan review? Did we miss anything?

Grab an insurance quote online to shop your rates with multiple insurers all at once, and make sure you’re getting the best insurance for you, at the best price available! Enter your ZIP code to compare your rates now.