Car Insurance How much does Allstate car insurance cost? On average, a liability-only policy from Allstate costs $71 per month, while a full coverage policy costs $209 monthly. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Scott Nyerges Scott Nyerges Scott Nyerges is an insurance expert and managing editor, insurance. Previously, he was a senior insurance editor and content strategist at U.S. News & World Report, and worked for Consumer Reports, MSN and Cheapism.com. | Posted on: April 10, 2025 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 is one of the most expensive car insurance providers, according to our 2025 survey of the Best Auto Insurance Companies. On average, a policyholder would pay $2,509 yearly for a full coverage policy from Allstate, or $614 more than the national average of $1,895 a year. Even with such high premium costs, 93% of customers said they plan to renew their policies with Allstate. In our survey, we found that 85% of customers were satisfied with Allstate’s customer service, and the insurer received an overall score of 3.75 stars out of 5. Keep reading to know how much you’ll pay in your state for a policy from Allstate and the discounts it offers. How much does Allstate car insurance cost? Across the U.S., a full-coverage car insurance policy from Allstate costs an average of $2,509 a year. On the other hand, the average annual cost of a state minimum policy is $700, and a liability-only policy costs $854 a year. However, the amount you pay could differ based on your age, where you live, and your driving history, among other factors. State minimum and liability-only policies are more affordable than full coverage, but these policies don’t protect you or your car. Experts recommend purchasing a full coverage policy with limits of at least 100/300/100 for added protection. Coverage typeAverage six-month costAverage monthly costAverage annual costFull coverage$1,255$209$2,509State minimum$350$58$700Liability only$427$71$854 Allstate car insurance cost by state Like all insurers, Allstate’s rates vary state by state. Understanding how Allstate’s car insurance costs differ by state can help you make an informed decision and save money on your coverage. Below, you’ll find Allstate’s average car insurance rates by state. State name Full coverage State minimum Liability only Alaska$2,114$324$405Alabama$2,178$576$752Arkansas$2,729$629$785Arizona$2,215$566$940California$2,627$717$1,104Colorado$2,774$761$1,062Connecticut$2,195$732$831Washington, D.C.$3,769NA$1,337Delaware$3,631$1,305$1,574Florida$3,569$1,084$1,835Georgia$2,014$686$837Hawaii$1,882$500$702Iowa$2,126$508$591Idaho$1,945$484$517Illinois$2,742$640$724Indiana$2,324$676$784Kansas$2,968$767$824Kentucky$3,127$890$1,161Massachusetts$2,694$678$865Maryland$3,108$1,255$1,299Maine$1,147$458$458Minnesota$2,388$585$618Missouri$2,852$748$896Mississippi$2,527$691$895Montana$2,949$611$731North Carolina$2,994$667$737North Dakota$2,339$740$793Nebraska$2,621$602$658New Hampshire$2,123$808$857New Jersey$2,294$936$1,020New Mexico$2,834$788$862Nevada$2,614$1,109$1,329New York$2,056$861$961Ohio$1,942$582$651Oklahoma$2,699$639$879Oregon$2,945$1,041$1,131Pennsylvania$2,503$705$823Rhode Island$2,993$975$1,203South Carolina$2,336$619$803South Dakota$2,070$453$484Tennessee$3,032$772$885Texas$2,941$560$843Utah$2,279$726$914Virginia$2,021$676$734Vermont$1,733$234$257Washington$1,766$639$927Wisconsin$2,515$747$816West Virginia$3,132$774$837Wyoming$2,831$624$658 10 most expensive states for Allstate car insurance Allstate’s insurance rates can vary significantly from state to state. Some states have higher insurance rates than others due to increased accident rates, traffic conditions and severe weather risks, among other factors. Washington, D.C., Delaware, and Florida are Allstate’s top three most expensive states for car insurance. See the list below to find out which states have the highest premiums. StateFull coverageWashington, D.C.$3,769Delaware$3,631Florida$3,569West Virginia$3,132Kentucky$3,127Maryland$3,108Tennessee$3,032North Carolina$2,994Rhode Island$2,993Kansas$2,968Montana$2,949 10 most affordable states for Allstate car insurance While car insurance can be expensive, there are states where Allstate offers more affordable rates. Cheaper premiums are often due to lower population density, fewer accidents and minimum weather-related risks. For instance, insurance rates in Maine, Vermont, and Washington are the lowest in the U.S. – less than $2,000 a year. The table below shows states where Allstate rates are more affordable. StateFull coverageMaine$1,147Vermont$1,733Washington$1,766Hawaii$1,882Ohio$1,942Idaho$1,945Georgia$2,014Virginia$2,021New York$2,056South Dakota$2,070Alaska$2,114 What Allstate car insurance costs in the top 25 cities Car insurance rates from Allstate also vary by city. Urban areas with higher traffic congestion, crime rates, and accident frequency often see more expensive premiums than rural areas and smaller cities. For example, cities like Washington, D.C., and Jacksonville, Florida, typically have higher insurance costs than places like Columbus, Ohio, and San Jose, California. Below is a breakdown of Allstate car insurance costs in the top 25 cities across the U.S. City Full coverage State minimum Liability only Seattle$2,158$764$1,129Columbus$2,290$687$784San Jose$2,411$685$1,019Indianapolis$2,458$740$881San Diego$2,496$684$1,031Phoenix$2,769$758$1,280Austin$2,899$597$896Fort Worth$2,917$607$909Nashville$3,000$811$923San Antonio$3,026$636$942Denver$3,029$907$1,295El Paso$3,088$528$832Oklahoma City$3,177$741$1,062San Francisco$3,233$857$1,326Houston$3,352$717$1,108New York$3,355$1,509$1,817Boston$3,358$797$1,007Chicago$3,419$837$980Philadelphia$3,428$1,061$1,204Charlotte$3,453$957$1,108Las Vegas$3,485$1,530$2,043Los Angeles$3,516$975$1,554Dallas$3,596$759$1,145Washington$3,769$1,337Jacksonville$3,949$1,167$2,129 How Allstate car insurance rates compare to the top 10 carriers Finding the right balance between coverage and cost is important when purchasing a car insurance policy. Knowing how Allstate stacks up against its competitors can help you make a more informed decision—and potentially save money—by making it easier to shop around and find the best deal. Let’s take a closer look at how Allstate’s car insurance rates stack up against other major providers. CompanyFull coverage costAllstate$2,509Geico$1,763State Farm$1,984Progressive$1,998Farmers$2,387Nationwide$1,548Travelers$1,606Auto-Owners$1,554Erie Insurance$1,480USAA$1,381 Car insurance rates by company State Company Avg. annual cost Avg monthly cost AlabamaAllstate$2,178$182AlabamaAuto-Owners$2,134$178AlabamaCountry Financial$1,694$141AlabamaFarmers$2,542$212AlabamaGeico$1,625$135AlabamaNationwide$1,345$112AlabamaProgressive$2,402$200AlabamaState Farm$1,790$149AlabamaTravelers$1,428$119AlabamaUSAA$1,458$122AlaskaAllstate$2,114$176AlaskaGeico$1,338$111AlaskaProgressive$1,742$145AlaskaState Farm$1,713$143AlaskaUSAA$1,166$97AlaskaWestern National Insurance$1,984$165ArizonaAllstate$2,215$185ArizonaAuto-Owners$1,539$128ArizonaFarmers$2,331$194ArizonaGeico$1,312$109ArizonaNationwide$1,726$144ArizonaProgressive$1,903$159ArizonaState Farm$2,233$186ArizonaTravelers$1,489$124ArizonaUSAA$1,581$132ArkansasAlfa Insurance$3,225$269ArkansasAllstate$2,729$227ArkansasFarmers$2,248$187ArkansasGeico$1,794$149ArkansasNationwide$1,503$125ArkansasProgressive$2,431$203ArkansasShelter Insurance$1,690$141ArkansasSouthern Farm Bureau$1,926$160ArkansasState Farm$2,060$172ArkansasTravelers$1,442$120ArkansasUSAA$1,090$91CaliforniaAllstate$2,627$219CaliforniaAuto Club Enterprises (AAA)$2,466$205CaliforniaCSAA Insurance (AAA)$2,600$217CaliforniaFarmers$3,035$253CaliforniaGeico$1,919$160CaliforniaKemper$2,429$202CaliforniaMercury Insurance$2,031$169CaliforniaNationwide$2,799$233CaliforniaProgressive$2,179$182CaliforniaState Farm$2,701$225CaliforniaTravelers$2,460$205CaliforniaUSAA$1,827$152ColoradoAcuity Insurance$3,769$314ColoradoAllstate$2,774$231ColoradoAuto-Owners$2,874$239ColoradoFarmers$3,578$298ColoradoGeico$1,445$120ColoradoKemper$1,878$157ColoradoProgressive$2,796$233ColoradoSouthern Farm Bureau$1,780$148ColoradoState Farm$1,950$162ColoradoUSAA$1,559$130ConnecticutAllstate$2,195$183ConnecticutAmica$2,516$210ConnecticutFarmers$2,192$183ConnecticutGeico$1,242$103ConnecticutKemper$1,571$131ConnecticutNationwide$1,766$147ConnecticutProgressive$1,708$142ConnecticutState Farm$1,733$144ConnecticutUSAA$606$51DelawareAllstate$3,631$303DelawareAmerican Family$2,709$226DelawareDonegal Insurance$2,673$223DelawareGeico$1,695$141DelawareNationwide$1,498$125DelawareProgressive$1,999$167DelawareSentry Insurance$4,066$339DelawareState Farm$2,153$179DelawareTravelers$1,595$133DelawareUSAA$1,463$122FloridaAllstate$3,569$297FloridaFarmers$3,261$272FloridaGeico$2,214$185FloridaMercury Insurance$3,358$280FloridaNational General$3,103$259FloridaNationwide$2,150$179FloridaProgressive$2,902$242FloridaState Farm$2,119$177FloridaTravelers$2,356$196FloridaUAIC$2,796$233GeorgiaAllstate$2,014$168GeorgiaAuto-Owners$1,529$127GeorgiaCentral Insurance$1,706$142GeorgiaCountry Financial$1,880$157GeorgiaGeico$2,072$173GeorgiaMercury Insurance$2,219$185GeorgiaProgressive$1,656$138GeorgiaSafeway Insurance$2,812$234GeorgiaState Farm$2,344$195GeorgiaUSAA$1,562$130HawaiiAllstate$1,882$157HawaiiFarmers$1,495$125HawaiiGeico$1,184$99HawaiiIsland Insurance$1,771$148HawaiiProgressive$1,279$107HawaiiState Farm$1,938$162HawaiiUSAA$1,067$89IdahoAllstate$1,945$162IdahoAuto-Owners$916$76IdahoFarmers$1,606$134IdahoGeico$1,174$98IdahoIdaho Farm Bureau$1,652$138IdahoNationwide$1,505$125IdahoSentry Insurance$2,352$196IdahoState Farm$1,120$93IdahoTravelers$1,263$105IdahoUSAA$742$62IllinoisAllstate$2,742$228IllinoisAuto Club Group – ACG (AAA)$979$82IllinoisAuto-Owners$1,426$119IllinoisCountry Financial$1,609$134IllinoisErie Insurance$1,489$124IllinoisGeico$1,178$98IllinoisProgressive$1,412$118IllinoisState Farm$1,633$136IllinoisTravelers$1,119$93IllinoisUSAA$1,745$145IndianaAllstate$2,324$194IndianaAuto-Owners$1,188$99IndianaFarmers$1,956$163IndianaGeico$986$82IndianaIndiana Farm Bureau$2,153$179IndianaIndiana Farmers Insurance$1,604$134IndianaNationwide$1,309$109IndianaProgressive$1,480$123IndianaState Farm$1,616$135IndianaTravelers$1,264$105IndianaUSAA$783$65IowaAllstate$2,126$177IowaAuto-Owners$1,461$122IowaGeico$1,716$143IowaGrinnell Mutual$2,591$216IowaIMT Insurance$1,634$136IowaIowa Farm Bureau$1,796$150IowaProgressive$1,589$132IowaState Farm$1,306$109IowaTravelers$1,238$103IowaUSAA$1,165$97IowaWest Bend Insurance Company$1,311$109KansasAllstate$2,968$247KansasFarmers$1,992$166KansasGeico$1,622$135KansasIowa Farm Bureau$2,289$191KansasNationwide$1,316$110KansasProgressive$1,937$161KansasShelter Insurance$2,230$186KansasState Farm$1,976$165KansasTravelers$1,601$133KansasUSAA$1,151$96KentuckyAllstate$3,127$261KentuckyAuto-Owners$1,911$159KentuckyFarmers$3,548$296KentuckyGeico$2,106$175KentuckyKentucky Farm Bureau$2,113$176KentuckyProgressive$2,714$226KentuckyShelter Insurance$1,917$160KentuckyState Farm$2,753$229KentuckyTravelers$1,804$150KentuckyUSAA$1,820$152LouisianaAuto Club Enterprises (AAA)$3,473$289LouisianaFarmers$3,002$250LouisianaGeico$2,983$249LouisianaLouisiana Farm Bureau$3,122$260LouisianaProgressive$3,065$255LouisianaSafeway Insurance$3,191$266LouisianaSouthern Farm Bureau$2,121$177LouisianaState Farm$3,570$297LouisianaUSAA$1,973$164MaineAllstate$1,147$96MaineAuto-Owners$707$59MaineFarmers$1,664$139MaineFrankenmuth Insurance$1,492$124MaineGeico$1,228$102MaineMMG Insurance$1,461$122MaineProgressive$1,106$92MaineState Farm$1,262$105MaineTravelers$853$71MaineUSAA$827$69MarylandAllstate$3,108$259MarylandErie Insurance$1,685$140MarylandGeico$1,262$105MarylandKemper$1,603$134MarylandNationwide$1,363$114MarylandPenn National Insurance$1,911$159MarylandProgressive$1,895$158MarylandState Farm$2,177$181MarylandTravelers$1,523$127MarylandUSAA$1,043$87MassachusettsAllstate$2,694$225MassachusettsAmica$2,052$171MassachusettsArbella Insurance$1,708$142MassachusettsFarmers$1,966$164MassachusettsGeico$1,269$106MassachusettsPlymouth Rock Assurance$1,409$117MassachusettsProgressive$2,016$168MassachusettsSafety Insurance$1,517$126MassachusettsState Farm$689$57MassachusettsTravelers$2,274$190MassachusettsUSAA$1,442$120MichiganAuto Club Group – ACG (AAA)$2,537$211MichiganAuto-Owners$2,085$174MichiganFrankenmuth Insurance$2,851$238MichiganGeico$1,553$129MichiganMichigan Farm Bureau$2,948$246MichiganPioneer State Mutual$2,662$222MichiganProgressive$2,069$172MichiganState Farm$3,698$308MichiganTravelers$1,817$151MichiganUSAA$1,514$126MinnesotaAllstate$2,388$199MinnesotaAuto Club Group – ACG (AAA)$1,636$136MinnesotaAuto-Owners$1,693$141MinnesotaGeico$2,495$208MinnesotaNationwide$1,363$114MinnesotaNorth Star Mutual$2,257$188MinnesotaState Farm$1,525$127MinnesotaTravelers$1,618$135MinnesotaUSAA$1,382$115MinnesotaWestern National Insurance$2,769$231MississippiAllstate$2,527$211MississippiGeico$2,210$184MississippiNationwide$1,331$111MississippiProgressive$2,131$178MississippiSafeway Insurance$2,946$246MississippiShelter Insurance$2,469$206MississippiSouthern Farm Bureau$1,933$161MississippiState Farm$1,797$150MississippiTravelers$1,636$136MississippiUSAA$1,320$110MissouriAllstate$2,852$238MissouriAuto Club Enterprises (AAA)$2,346$195MissouriGeico$3,217$268MissouriMissouri Farm Bureau$1,845$154MissouriNationwide$1,361$113MissouriProgressive$1,960$163MissouriShelter Insurance$1,906$159MissouriState Farm$2,072$173MissouriTravelers$1,515$126MissouriUSAA$1,086$91MontanaAllstate$2,949$246MontanaFarmers$2,939$245MontanaGeico$2,382$199MontanaKemper$2,692$224MontanaNationwide$1,394$116MontanaProgressive$2,414$201MontanaState Farm$1,858$155MontanaUSAA$919$77NebraskaAllstate$2,621$218NebraskaAuto-Owners$1,193$99NebraskaFarmers Mutual of Nebraska$1,910$159NebraskaGeico$2,372$198NebraskaIowa Farm Bureau$2,430$202NebraskaNationwide$1,216$101NebraskaProgressive$1,964$164NebraskaShelter Insurance$1,647$137NebraskaState Farm$2,344$195NebraskaUSAA$1,328$111NevadaAllstate$2,614$218NevadaAmerican Family$2,429$202NevadaCSAA Insurance (AAA)$3,651$304NevadaFarmers$2,328$194NevadaGeico$1,708$142NevadaMercury Insurance$2,156$180NevadaProgressive$2,482$207NevadaState Farm$1,443$120NevadaTravelers$1,995$166NevadaUSAA$1,672$139New HampshireAllstate$2,123$177New HampshireAuto-Owners$803$67New HampshireFarmers$1,954$163New HampshireGeico$1,212$101New HampshireMMG Insurance$1,038$86New HampshireNationwide$1,145$95New HampshireProgressive$1,343$112New HampshireState Farm$1,155$96New HampshireThe Hanover$1,027$86New HampshireUSAA$852$71New JerseyAllstate$2,294$191New JerseyFarmers$2,254$188New JerseyGeico$1,563$130New JerseyNJM$1,318$110New JerseyPlymouth Rock Assurance$1,737$145New JerseyProgressive$2,187$182New JerseySelective Insurance$1,908$159New JerseyState Farm$2,153$179New JerseyTravelers$1,706$142New MexicoAllstate$2,834$236New MexicoCentral Insurance$1,517$126New MexicoFarmers$2,740$228New MexicoGeico$1,406$117New MexicoIowa Farm Bureau$2,912$243New MexicoKemper$3,268$272New MexicoNationwide$1,806$150New MexicoProgressive$1,557$130New MexicoState Farm$1,669$139New MexicoUSAA$1,054$88New YorkAllstate$2,056$171New YorkChubb$2,942$245New YorkErie Insurance$1,814$151New YorkGeico$1,736$145New YorkNYCM Insurance$1,300$108New YorkProgressive$1,020$85New YorkState Farm$1,951$163New YorkThe Hanover$2,262$188New YorkTravelers$2,677$223New YorkUSAA$1,557$130North CarolinaAllstate$2,994$249North CarolinaErie Insurance$1,082$90North CarolinaFarmers$2,028$169North CarolinaGeico$1,617$135North CarolinaNationwide$1,513$126North CarolinaNorth Carolina Farm Bureau$1,217$101North CarolinaPenn National Insurance$1,872$156North CarolinaProgressive$2,028$169North CarolinaState Farm$1,180$98North CarolinaUtica National Insurance Group$2,070$173North DakotaAllstate$2,339$195North DakotaAmerican Family$1,092$91North DakotaAuto-Owners$1,717$143North DakotaFarmers$2,077$173North DakotaGeico$1,773$148North DakotaNationwide$1,152$96North DakotaNodak Insurance$2,233$186North DakotaNorth Star Mutual$1,959$163North DakotaProgressive$1,403$117North DakotaState Farm$1,738$145North DakotaUSAA$826$69OhioAllstate$1,942$162OhioAuto-Owners$1,109$92OhioCincinnati Insurance$1,624$135OhioErie Insurance$1,132$94OhioFarmers$1,794$150OhioGeico$1,373$114OhioGrange Insurance$986$82OhioProgressive$1,626$136OhioTravelers$1,336$111OhioUSAA$994$83OhioWestfield Insurance$1,673$139OklahomaAFR Insurance$2,063$172OklahomaAllstate$2,699$225OklahomaFarmers$2,717$226OklahomaGeico$1,820$152OklahomaMercury Insurance$2,237$186OklahomaOklahoma Farm Bureau$3,295$275OklahomaProgressive$1,194$99OklahomaShelter Insurance$2,055$171OklahomaState Farm$1,861$155OklahomaUSAA$1,447$121OregonAllstate$2,945$245OregonCountry Financial$1,527$127OregonFarmers$2,210$184OregonGeico$1,683$140OregonNationwide$1,411$118OregonOregon Mutual Insurance$1,147$96OregonProgressive$1,765$147OregonState Farm$1,502$125OregonTravelers$1,318$110OregonUSAA$1,277$106PennsylvaniaAllstate$2,503$209PennsylvaniaDonegal Insurance$1,913$159PennsylvaniaErie Insurance$1,550$129PennsylvaniaGeico$2,308$192PennsylvaniaNationwide$1,196$100PennsylvaniaProgressive$2,193$183PennsylvaniaState Farm$2,473$206PennsylvaniaTravelers$952$79PennsylvaniaUSAA$1,806$151PennsylvaniaWestfield Insurance$1,872$156Rhode IslandAllstate$2,993$249Rhode IslandAmerican Family$1,833$153Rhode IslandAmica$2,206$184Rhode IslandFarmers$3,336$278Rhode IslandGeico$2,292$191Rhode IslandNationwide$1,911$159Rhode IslandProgressive$1,841$153Rhode IslandState Farm$1,319$110Rhode IslandTravelers$1,946$162Rhode IslandUSAA$1,147$96South CarolinaAllstate$2,336$195South CarolinaAuto-Owners$1,475$123South CarolinaGeico$2,054$171South CarolinaProgressive$1,816$151South CarolinaSentry Insurance$3,681$307South CarolinaSouthern Farm Bureau$2,202$183South CarolinaState Farm$2,106$176South CarolinaTravelers$1,949$162South CarolinaUSAA$1,451$121South DakotaAllstate$2,070$173South DakotaAuto-Owners$2,566$214South DakotaFarmers$2,207$184South DakotaFarmers Mutual of Nebraska$1,989$166South DakotaGeico$2,384$199South DakotaIowa Farm Bureau$2,736$228South DakotaNationwide$1,526$127South DakotaNorth Star Mutual$2,744$229South DakotaProgressive$3,163$264South DakotaState Farm$2,096$175South DakotaUSAA$1,780$148TennesseeAllstate$3,032$253TennesseeErie Insurance$1,598$133TennesseeFarm Bureau Insurance of Tennessee$1,355$113TennesseeFarmers$1,770$148TennesseeGeico$1,565$130TennesseeNationwide$1,632$136TennesseeProgressive$1,550$129TennesseeState Farm$1,677$140TennesseeTravelers$1,395$116TennesseeUSAA$1,194$99TexasAllstate$2,941$245TexasAuto Club Enterprises (AAA)$1,983$165TexasFarmers$4,127$344TexasGeico$1,644$137TexasNationwide$1,502$125TexasProgressive$3,032$253TexasRedpoint Insurance$1,681$140TexasState Farm$1,956$163TexasTexas Farm Bureau$1,301$108TexasUSAA$1,812$151UtahAllstate$2,279$190UtahAuto-Owners$1,393$116UtahFarmers$2,638$220UtahGeico$1,325$110UtahIowa Farm Bureau$2,154$180UtahNationwide$1,135$95UtahProgressive$1,845$154UtahState Farm$2,175$181UtahUnited Insurance Co$2,071$173UtahUSAA$1,237$103VermontAllstate$1,733$144VermontAuto-Owners$992$83VermontCo-operative Insurance Companies$1,640$137VermontFarmers$2,333$194VermontGeico$1,276$106VermontNationwide$935$78VermontProgressive$926$77VermontState Farm$1,139$95VermontUSAA$803$67VermontVermont Mutual$1,413$118VirginiaAllstate$2,021$168VirginiaAuto-Owners$1,405$117VirginiaErie Insurance$1,288$107VirginiaGeico$1,382$115VirginiaProgressive$2,120$177VirginiaState Farm$1,479$123VirginiaTravelers$1,169$97VirginiaUSAA$1,192$99VirginiaVirginia Farm Bureau$1,167$97WashingtonAllstate$1,766$147WashingtonAmerican Family$1,750$146WashingtonFarmers$1,714$143WashingtonGeico$1,171$98WashingtonNationwide$1,658$138WashingtonPEMCO$1,326$111WashingtonProgressive$2,554$213WashingtonState Farm$1,794$149WashingtonTravelers$1,503$125WashingtonUSAA$853$71Washington, D.C.Allstate$3,769$314Washington, D.C.Chubb$2,799$233Washington, D.C.Erie Insurance$1,581$132Washington, D.C.Geico$1,408$117Washington, D.C.Nationwide$2,558$213Washington, D.C.Progressive$1,488$124Washington, D.C.State Farm$2,426$202Washington, D.C.USAA$1,230$103West VirginiaAllstate$3,132$261West VirginiaEncova Insurance$2,933$244West VirginiaErie Insurance$1,709$142West VirginiaFarmers$2,442$203West VirginiaGeico$2,248$187West VirginiaNationwide$1,215$101West VirginiaProgressive$1,825$152West VirginiaState Farm$1,691$141West VirginiaUSAA$1,189$99West VirginiaWestfield Insurance$2,111$176WisconsinAcuity Insurance$1,933$161WisconsinAllstate$2,515$210WisconsinErie Insurance$1,313$109WisconsinFarmers$2,139$178WisconsinGeico$1,195$100WisconsinNationwide$1,287$107WisconsinProgressive$2,128$177WisconsinState Farm$2,378$198WisconsinTravelers$1,089$91WisconsinUSAA$984$82WisconsinWest Bend Insurance Company$1,373$114WyomingAllstate$2,831$236WyomingAmerican National$827$69WyomingFarmers$1,623$135WyomingGeico$2,514$209WyomingState Farm$1,521$127WyomingUSAA$1,230$103 Factors that affect the cost of Allstate car insurance Allstate takes various factors into account when calculating car insurance rates: Your vehicle make and model: Some cars are more expensive to insure, especially newer luxury and sports vehicles. Driving history: A clean driving record with no accidents, traffic violations or claims can lower your premium. On the other hand, a history of accidents or tickets will likely result in higher rates. How much you drive: Someone with a long daily commute may pay more for insurance than someone who works at home. This is because the more time you spend on the road, the likelihood of accidents will be increased. Your age: Teen drivers typically pay higher rates than adult and senior drivers due to their inexperience and greater likelihood of engaging in risky behavior. The type of coverage you choose: Almost every state requires drivers to carry a minimum amount of liability insurance, which is the cheapest kind of coverage. Increasing the amount of liability coverage you have or adding comprehensive and collision insurance will increase your rate. Options such as roadside assistance and rental reimbursement provide additional protection but will further add to your premium. What type of discounts does Allstate offer? Insurers like Allstate offer a range of discounts to policyholders, some of them fairly substantial in savings, to keep customers loyal. Some of the most popular car insurance discounts include: Bundling: You can save an average of 25% on your insurance policy if you bundle your home and auto policies with Allstate. Safety features: Anti-theft devices like a car alarm or kill switch and safety features like antilock brakes or collision-avoidance systems may also result in a modest discount. New car: If you’ve purchased a brand-new vehicle and are the first owner, you may qualify for this discount. Allstate eSmart: Opt for paperless billing and statements and get your policy documents online. Early renewal: You can get a discount if you renew your policy with Allstate before your term expires. Paying your full premium: Save on your premium by paying the bill in full rather than in installments. Smart student discount: Allstate offers substantial savings to students with a grade point average of 2.7 or above. Responsible payer: You can get a discount on your policy if you have paid your premiums on time. Safe driving club: One of the easiest ways to save money is simply to maintain a clean driving record over time. If your record isn’t spotless, find out if you can get a discount for taking a defensive driving class online. EZ pay plan: Save on your insurance policy by setting up an automatic withdrawal for premium payments. How to get a quote from Allstate You can get a car insurance quote from Allstate by speaking with an agent or customer service representative or visiting the insurer’s website or app. Online: Visit the Allstate website. Click on “Get a Quote” on the homepage. Choose the type of insurance you’re interested in (e.g., auto, home, renters). Enter your personal information, including your name, address and details about the vehicle you’re insuring. Answer additional questions about your coverage preferences. Allstate will provide an estimated quote based on the information you’ve entered. By phone: Call Allstate’s customer service at (866) 977-0264. Have your personal information handy, including your driver’s license and VIN. After discussing your coverage needs with an agent, they will provide you with a quote. Talk to an agent: Use the insurance agent locator on the Allstate website to find an agent near you. Schedule an appointment to discuss your insurance needs. Have your personal information handy. The agent will ask you about your coverage needs and provide you with a quote. Allstate offers various coverage options and discounts to help you save on premiums. However, your rate will depend on factors like your driving history, location and the level of coverage you choose. Take the time to research and analyze your coverage needs to find a policy that best suits your needs and budget. Sources: Allstate. “What factors may affect your car insurance premium?” Accessed March 2025. Allstate. “Find an Allstate insurance agent near you.” Accessed March 2025. Allstate. “Bundling online and saving money.” Accessed March 2025. Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? A complete guide to adding a teenager to your car insurance policy in 2025 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page How much does Allstate car insurance cost?Allstate car insurance cost by state10 most expensive states for Allstate car insurance10 most affordable states for Allstate car insuranceWhat Allstate car insurance costs in the top 25 citiesHow Allstate car insurance rates compare to the top 10 carriersCar insurance rates by companyFactors that affect the cost of Allstate car insuranceWhat type of discounts does Allstate offer?How to get a quote from Allstate ZIP Code Please enter valid ZIP See rates