Every Allstate Car Insurance Discount in 2026
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Writer: Mandy SleightInsurance Writer
Writer: Mandy SleightInsurance Writer
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Editor: Matthew GrossEditor
Editor: Matthew GrossEditor
Qualifications:
5+ years in communications and content creation
2+ years in insurance content
Matthew's journalism and AppleCare editing experience help him simplify complex insurance information on Compare.com.
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Reviewer: David C. Marlett, Ph.D., CPCUExpert Reviewer, Insurance
Reviewer: David C. Marlett, Ph.D., CPCUExpert Reviewer, Insurance
Qualifications:
25+ years teaching risk management and insurance
Managing director, Brantley Risk & Insurance Center
An Appalachian State Univ. professor, David teaches risk management/insurance. He's appeared in the NY Times, CNN, and more.
Updated
Why You Can Trust Compare.com: At Compare.com, it’s our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
Taking advantage of discounts can save you money on your car insurance, and you can save even more by combining them.
Allstate offers 21 discounts, such as multi-policy discounts, which could help you save up to 25% off rates. Other advertised discounts include savings for driving a new car, being a good student, and having factory-installed vehicle safety features, like airbags and anti-lock brakes.
Although some discounts apply to your policy automatically, others require personal information or proof that you qualify.
Keep reading for the complete list of Allstate discounts, how to get them, and other ways to save on your Allstate car insurance policy.
Full List of Allstate Discounts
Discount | Maximum Advertised Savings |
|---|---|
| Multi-policy | Not advertised |
| New car | Varies |
| Good student | Not advertised |
| Anti-lock brake | Not advertised |
| Anti-theft | Not advertised |
| Allstate Easy Pay Plan | Up to 5% |
| Paperless | Not advertised |
| Early signing | Not advertised |
| FullPay | Not advertised |
| Responsible payer | Not advertised |
| The Allstate Good Hands People | Not advertised |
| Passive restraint | Not advertised |
| Seat belt | Not advertised |
| Senior adult | Not advertised |
| Excess benefits | Not advertised |
| Make and model rate | Not advertised |
| Allstate Auto/Life | Not advertised |
| Electronic stability control | Not advertised |
| Safe Driving Club | Not advertised |
| Deductible Rewards | Up to $500 |
| Usage-based/telematics | Not advertised |
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Allstate Driver Discounts
Many insurers offer discounts for maintaining a good driving record. Your claims history, driving habits, and mileage determine your eligibility for these driving record discounts.
Allstate offers these two driving-related savings programs:
Safe Driving Club: Earn savings for each five-year period without an at-fault accident and for continuously maintaining Allstate liability coverage for three years.[1]
Deductible Rewards: When you sign up, you’ll receive a $100 credit toward your collision deductible, plus an additional $100 for each year you go without an accident, up to $500.[2]
Although Allstate doesn’t offer a low-mileage discount, it factors your annual mileage into your rate. You can save an average of 23% if you drive less than 7,500 miles annually.
Additionally, with Allstate’s optional accident forgiveness coverage, your rates won’t increase after an accident. You may need to pay extra for the coverage, so contact your local agent to find out more.
Carrying your own health insurance could also help you save on personal injury protection insurance.
Allstate Vehicle Safety Discounts
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The features and type of car you drive could also land you a discount. Allstate offers the following vehicle discounts:
New car discount: Receive a new car discount if you’re the original owner of a vehicle that’s less than three model years old.
Anti-lock brakes discount: Get a discount if your car has an anti-lock braking system (ABS).
Anti-theft discount: Installing an anti-theft device could earn you a discount.
Electronic stability control discount: Receive a discount if your vehicle is equipped with electronic stability control technology.
Passive restraint discount: You may be eligible for a discount if your vehicle has factory-installed airbags.
Seat belt discount: Get a discount if you certify that all drivers will wear seat belts.
Make and model rate: Vehicles that cost less to repair or have lower theft rates may be eligible for lower rates.
Allstate Age-Related Discounts
Many insurers offer discounts for younger drivers, which can be especially helpful since this group pays much more for car insurance than most drivers. Allstate offers a student discount for drivers who are enrolled in college full-time, single, under 25, and meet at least one of these requirements:
Have a grade point average (GPA) of 2.7 or higher
Finish the teenSMART driver training program
Attend college at least 100 miles from where you garage your car
Allstate also offers student discounts for full-time high school drivers who are younger than 19 and maintain a GPA of 2.7 or higher.
If a driver in your household qualifies for the good student discount, provide your insurance agency with a copy of their most recent grade report or contact Allstate customer service to apply the discount.
Seniors older than 65 who drive 3,000 miles or less each year may also be eligible for a discount on auto insurance.
Allstate Payment Discounts
Insurance companies usually offer multiple ways to pay your bill. Being flexible could help you qualify for one or more of Allstate’s payment discounts, including:
Allstate Easy Pay discount: Set up automatic withdrawals to receive this discount.
FullPay discount: Pay your entire policy premium to get the paid-in-full discount.
Responsible payer discount: Continually pay your bill on time or within the grace period to get this discount.
eSmart discount: Receive a paperless discount when you sign up to view your policy documents online.
Early signing discount: Sign your policy at least seven days before it takes effect to earn this discount.
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Allstate Loyalty Discounts
Some companies offer loyalty discounts to customers who renew their policies or purchase multiple policies from the same insurer. Although Allstate doesn’t have a continuous coverage discount, it offers the following savings:
Multi-car discount: Get the multi-car discount by insuring at least two cars on the same policy.
Multi-policy discount: Bundle your auto policy with homeowners or renters insurance to save with the multiple policy discount.
Allstate Auto/Life discount: Allstate life insurance or mortgage insurance policyholders may be eligible to receive a discount on auto insurance.
Allstate Drivewise and Milewise
Usage-based programs are becoming more common in the auto insurance industry. Allowing your insurer to track your driving habits could help you save on your car insurance.
Allstate’s Drivewise telematics program offers an initial enrollment discount, plus potential rate savings at renewal depending on your driving behavior during the previous policy period.
Allstate calculates this discount by considering things like braking events, driving speed, phone activity, and time of day. But risky habits — like driving late at night, using your phone, or driving too fast — could increase your premiums.
How to Add Discounts to Your Allstate Policy
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The type of discount determines how it’s added to your Allstate policy. Some apply automatically, like multi-car, anti-theft, ABS, and new-car discounts. But others require you to do something to get the savings, like:
Choosing a payment plan or paying in full to get specific payment discounts.
Signing your policy at least seven days before its effective date to get the early signing discount.
Enrolling in Allstate’s Drivewise telematics program to get the enrollment discount, then downloading the mobile app to record your trips and calculate your potential participation discount.
Providing proof of GPA, such as an honor roll certificate or report card, with the school’s contact information for a good student discount.
If you’re unsure about how to qualify or apply for a specific discount, contact your insurance agent or an Allstate customer service representative.
Other Ways to Save With Allstate
Although discounts are an easy way to save on Allstate auto insurance, you can do other things to lower your cost of car insurance. Here are some tips that may help:
Shop around annually. Although companies use similar factors to determine premiums, prices can vary significantly. It’s worth shopping around every year to check if Allstate is still your cheapest option.
Compare insurance before buying a vehicle. Insurance rates vary by the make and model of your car. If you’re shopping for a new or used car, compare insurance premiums to find the best vehicle and insurance company for your budget.
Increase your deductible. Opting for higher comprehensive and collision deductibles can reduce the cost of your monthly premiums. Just make sure you can afford the added cost if you have to file a claim.
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How Allstate Stacks Up to the Competition
Car insurance rates vary widely between insurance companies since each insurer evaluates risk factors, like your age, driving record, and where you live, differently.
Allstate consistently ranks among the top-performing insurance companies, like State Farm and GEICO, according to Compare.com data. All three companies score high for their affordable rates, customer satisfaction, and financial strength.
The best insurance for you also depends on your specific situation, priorities, and budget. Check out the table below to see key differences between Allstate and some of its top competitors, including rates, coverage options, and discounts.
 |  |  |  |  |
|---|---|---|---|---|
Average Premium $124/mo* | Average Premium $79/mo* | Average Premium $113/mo* | Average Premium $106/mo* | Average Premium $77/mo* |
Overall Rating | Overall Rating | Overall Rating | Overall Rating | Overall Rating |
Value | Value | Value | Value | Value |
Customer Service | Customer Service | Customer Service | Customer Service | Customer Service |
Claims Handling | Claims Handling | Claims Handling | Claims Handling | Claims Handling |
Special Highlight N/AAI-generated from 604 user reviews | Special Highlight N/AAI-generated from 1074 user reviews | Special Highlight N/AAI-generated from 887 user reviews | Special Highlight N/AAI-generated from 1102 user reviews | Special Highlight N/AAI-generated from 216 user reviews |
We sourced the data in this table from Compare.com users who indicated they're existing customers of the insurers you see here.
Allstate Insurance Discount FAQs
We answered the most common questions people ask about Allstate insurance discounts.
Does Allstate offer any discounts?
Yes. Allstate offers 21 discounts, according to our research. But discount availability can vary by state, so it’s a good idea to check what discounts are available with an Allstate agent to maximize your savings.
Does Allstate have a loyalty discount?
No. Allstate doesn’t offer a loyalty discount. But you can get a premium reduction in other ways, like signing up for automatic payments, going paperless, or signing your policy at least seven days before it becomes effective.
What’s the Allstate Premier Plus discount?
The Allstate Premier Plus discount is available in some states. Drivers with no at-fault accidents in the last five years may be eligible for a Premier Plus discount, which can reduce your premiums by 30% or more. Contact your agent or Allstate customer service to learn more.
What’s the Allstate Drivewise discount?
Allstate offers a discount for enrolling in its telematics program, Drivewise. With Drivewise, your premium can change based on your driving habits over the past year. But keep in mind that risky driving behaviors, like braking suddenly, speeding, or using your phone, could increase your premiums.
What’s the responsible payment discount from Allstate?
Allstate rewards customers who regularly pay their bills on time and don’t receive a cancellation notice. You should receive the responsible payer discount automatically on every other policy renewal if you continue to pay your bill on time.
Does Allstate give a discount for AARP?
Allstate doesn’t offer an AARP discount, but members can save up to 15% on Allstate roadside assistance plans, which cover you as a driver or as a passenger in someone else’s vehicle.
Does Allstate offer student discounts?
Yes. Allstate offers student discounts for high school and college students who meet certain requirements, such as full-time enrollment or maintaining a GPA of 2.7 or higher.
Does Allstate offer military discounts?
No. Allstate doesn’t offer military discounts. But Allstate’s 21 other discounts could help military members and veterans qualify for other savings on car insurance rates.
Does Allstate offer employee discounts?
Yes. The Allstate Good Hands People Discount offers savings to members of the Allstate Corporation Group.
Sources
- Allstate Fire and Casualty Insurance Company. "Facts About Your Automobile Insurance."
- Allstate. "Claims FAQs."
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Writer: Mandy SleightInsurance Writer
Writer: Mandy SleightInsurance Writer
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Editor: Matthew GrossEditor
Editor: Matthew GrossEditor
Qualifications:
5+ years in communications and content creation
2+ years in insurance content
Matthew's journalism and AppleCare editing experience help him simplify complex insurance information on Compare.com.
Reviewer: David C. Marlett, Ph.D., CPCUExpert Reviewer, Insurance
Reviewer: David C. Marlett, Ph.D., CPCUExpert Reviewer, Insurance
Qualifications:
25+ years teaching risk management and insurance
Managing director, Brantley Risk & Insurance Center
An Appalachian State Univ. professor, David teaches risk management/insurance. He's appeared in the NY Times, CNN, and more.