Allstate Auto Insurance
📍 Available in: US
★★★★★ 4.6 / 5.0
Allstate delivers premium auto insurance with high-value perks for conscientious drivers. The Drivewise program tracks driving patterns for cash back, while the Safe Driving Bonus pays you a cash refund check for every 6 clean months behind the wheel. The Deductible Rewards perk knocks $100 off your collision deductible on day one, and $100 for every clean year after.
Key Facts at a Glance
| Cost / Fee Structure | From $85 - $160/mo ($1,020 - $1,920/yr) |
| Coverage / Loan Limit | State Minimum to 500/500/100 |
| Deductible | $250 - $2,500 |
| Credit / Eligibility | Fair to Good Credit |
| Terms Available | 6-Month Policies |
Pros & Cons
✓ Pros
- ✓Safe Driving Bonus literally returns cash to policyholders every six months
- ✓Deductible Rewards can reduce your collision deductible to $0 over time
- ✓New car replacement covers the purchase price of a brand new model if totaled within 2 years
- ✓Extensive roadside emergency service with on-demand mobile dispatch
✕ Cons
- ✕Baseline premiums are higher than GEICO or Progressive without discounts applied
- ✕Full suite of rewards requires higher policy tier options
Key Features
Drivewise Telematics Cash Back RewardsSafe Driving Bonus Checks Every 6 MonthsDeductible Rewards ($100 off/year clean driving)New Car Replacement Protection (First 2 Model Years)Allstate Ride for Uber and Lyft Drivers