Allstate Auto Insurance: What's The Real Cost?

Allstate is one of the most popular insurance providers in the United States, offering a range of insurance types, including auto insurance. The cost of Allstate auto insurance varies depending on factors such as the driver's age, driving history, location, and coverage level. On average, Allstate auto insurance costs around $1,850 per year or $154 per month for full coverage, and $785 per year or $65 per month for minimum coverage. However, some sources give a lower estimate for minimum coverage, at $854 per year or $71 per month. The cost of Allstate auto insurance is generally considered to be higher than that of its competitors.

Allstate auto insurance for young drivers

Allstate auto insurance is an option for young drivers, but it is not among the cheapest. In fact, Allstate's rates for young, single drivers are higher than average when compared to other companies.

According to a review by US News, Allstate's rates for young drivers are the second-highest among the providers analysed. For example, Allstate's average annual rate for a 25-year-old female driver is $4,076, which is the highest in the analysis. For a 25-year-old male driver, Allstate's rate is the second-highest at $3,349.

The review also mentions that teenagers are generally the most expensive age group to insure. Allstate's average annual rates for teen drivers are the second-highest, with Farmers Insurance being the most expensive.

However, Allstate does offer various discounts that may be applicable to young drivers, such as the "smart student discount". Additionally, Allstate is rated highly for the ease of opening a new policy and for its customer service.

Allstate auto insurance for drivers with a DUI

Allstate auto insurance is generally more expensive than other providers, with higher-than-average rates for teens, young adults, and seniors. However, Allstate does offer a range of discounts and has high marks for the ease of opening a new policy.

For drivers with a DUI, Allstate is the ninth cheapest option, with rates over $100 per month for minimum coverage. Allstate also offers low-mileage discounts of up to 30% for drivers who drive less than 10,000 miles per year. Additionally, Allstate's Milewise program helps drivers who are on the road for more than 10,000 miles but less than 12,000 miles per year.

Allstate's rates for drivers with a DUI are higher than average, but they may be a good option for those who want service from a local insurance agent or take advantage of their discount programs.

Allstate auto insurance for drivers with poor credit

Allstate is one of the more expensive car insurance companies in the United States. The average cost of full-coverage insurance from Allstate is $1,850 per year or $154 per month. The cost of minimum-coverage insurance is $785 per year or $65 per month. However, these figures do not include drivers with poor credit.

According to U.S. News and World Report, Allstate has an average premium rate of $1,880 per year. This rate is based on a driver profile of a single, 25-year-old male with a clean driving record, seeking coverage for 12,000 miles annually, wanting medium-level coverage, and having a good credit score.

When considering drivers with poor credit, Allstate's rates increase significantly. Poor credit increases the rates to $3,025 per year, which is about a 60% jump from good credit. This makes Allstate the third-highest insurer in terms of rates for drivers with poor credit.

Allstate's rates are also higher than the national average for teens, young adults, and seniors. The company's sample rates for seniors and adult drivers are the highest among the providers analysed.

Allstate offers auto insurance coverage in three tiers: low, medium, and high. Low coverage has basic requirements and an average rate of $1,772 per year. Medium coverage costs $1,880 per year, while high coverage, which usually has higher limits but lower deductibles, has an average rate of $1,983 per year.

To lower your Allstate car insurance costs, you can take advantage of Allstate discounts, opt for a higher deductible, or reduce your coverage. Allstate offers several discounts, including a multi-vehicle and multi-policy discount.

Allstate auto insurance for senior drivers

Allstate is one of the most popular insurance providers in the United States, offering coverage in all 50 states. The cost of Allstate car insurance depends on several factors, including the driver's history on the road, age, state, and coverage limits.

For senior drivers, Allstate offers some of the lowest premium spikes for those with speeding tickets on their record. A senior driver with a speeding ticket may see a rate increase of about 19% with Allstate, compared to an average of 64% with other providers.

Additionally, Allstate offers accident forgiveness, which can be beneficial for senior drivers. This means that if you get into your first accident, your premiums will not increase at all. Allstate also offers incentives of around $100 per year for every year you go without an accident.

The average cost of car insurance for a 65-year-old is $1,740 per year, and this increases to $2,008 per year for a 75-year-old. Allstate's rates for senior drivers are higher than the average, with an annual premium of $2,477. However, it's important to note that Allstate offers various discounts and incentives to its customers, such as multi-vehicle and multi-policy discounts.

Allstate also has a Safe Driving Bonus program. For every six months you go without an accident, Allstate will send you a check, and you receive $100 off your collision deductible for every accident-free year, up to four years.

Overall, while Allstate may have higher premiums for senior drivers, they offer various benefits such as accident forgiveness, safe-driving bonuses, and discounts that can help offset the cost.

Allstate auto insurance for drivers with a speeding ticket

Allstate auto insurance is an expensive option for drivers with a speeding ticket. The company's rates are higher than the national average, and a speeding ticket will further increase your premium.

The cost of your Allstate auto insurance will depend on several factors, including your age, driving history, location, and the type of coverage you choose. On average, a speeding ticket increases car insurance rates by 24%, or nearly $380 more per year. This increase can follow you for a few years, depending on your state.

Allstate's full-coverage car insurance, which includes collision and comprehensive coverage, already has higher rates than its competitors and the national average. For a 35-year-old with a clean driving record and good credit, the average annual rate is $2,598, or $216 per month.

If you have a speeding ticket, your Allstate full-coverage insurance rate will likely increase. The exact increase will depend on the severity of your speeding violation. For example, if you were caught driving 6-10 mph over the speed limit, your three-year insurance rate with Allstate could be around $2,250-$2,983. The rate increases with the severity of the speeding ticket.

Allstate's liability car insurance, which covers property damage and bodily injury to others in accidents where you are at fault, is also more expensive than the national average. For a driver with a clean record and good credit, the average annual rate is $854, or $71 per month.

If you have a speeding ticket, your liability insurance rate with Allstate will likely increase as well. Again, the severity of your speeding violation will impact the increase.

It's important to note that Allstate is not a good option for teen drivers, as its insurance costs for 16-year-olds are more than four times the national average. Additionally, Allstate's rates for senior drivers are also higher than average.

While Allstate may not be the most affordable option for drivers with a speeding ticket, they do offer various discounts that can help offset the cost. These include multiple policy discounts, new car discounts, student discounts, military discounts, and more.

In summary, Allstate auto insurance rates are already higher than the national average, and a speeding ticket will further increase your premium. The severity of your speeding violation and other factors, such as your age and driving history, will determine the exact rate. Allstate may not be the best option for teen or senior drivers due to its higher costs. However, they do offer various discounts that can help make their policies more affordable.

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