Updated: March 26, 2026
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Allstate full coverage costs $161 per month ($1,937 annually) for a 40-year-old male with good credit and a clean record, $25 above the national average of $136 per month.
Among the 14 major national insurers in MoneyGeek's dataset, Allstate ranks #10 overall and #13 for affordability, but #3 for coverage. You pay more, but you get stronger protection.
State rates range from $82 per month in Vermont to $557 per month in Louisiana.
A DUI adds $106 per month to Allstate's rate, one of the higher penalties among major insurers.
Allstate full coverage averages $161 per month, $25 above the $136 per month national average across all insurers in MoneyGeek's dataset. It ranks #13 out of 14 for affordability, but earns a #3 coverage score. For a full evaluation, see the Allstate car insurance review or compare all car insurance reviews side-by-side.
The table below shows Allstate's average monthly and annual rates by coverage level for an adult male with good credit and a clean record.
State minimum liability only | $81 | $971 |
50/100/50 full coverage w/ $500 deductible | $159 | $1,910 |
100/300/100 full coverage w/ $1,000 deductible | $161 | $1,937.14 |
300/500/300 full coverage w/ $1,500 deductible | $181 | $2,172 |
Rates vary by state due to regulations, weather, traffic density and litigation rates. Allstate's cheapest state average is $82 per month in Vermont, while Louisiana tops the list at $557 per month. Drivers in high-cost states should explore affordable car insurance options or compare car insurance rates to find the best available premium in their area.
The table below shows Allstate's average monthly and annual rates by state for an adult male with good credit, a clean record, 100/300/100 full coverage and a $1,000 deductible (November 2025 data).
State | Monthly | Annual |
|---|---|---|
Alabama | $136 | $1,628 |
Alaska | $114 | $1,366 |
Arizona | $154 | $1,848 |
Arkansas | $155 | $1,864 |
California | $137 | $1,639 |
Colorado | $189 | $2,264 |
Connecticut | $173 | $2,073 |
Delaware | $263 | $3,156 |
Florida | $380 | $4,562 |
Georgia | $152 | $1,829 |
Hawaii | $104 | $1,244 |
Idaho | $102 | $1,224 |
Illinois | $144 | $1,727 |
Indiana | $121 | $1,451 |
Iowa | $136 | $1,637 |
Kansas | $156 | $1,873 |
Kentucky | $202 | $2,423 |
Louisiana | $557 | $6,683 |
Maine | $101 | $1,207 |
Maryland | $236 | $2,832 |
Massachusetts | $138 | $1,651 |
Michigan | $172 | $2,067 |
Minnesota | $120 | $1,446 |
Mississippi | $129 | $1,545 |
Missouri | $152 | $1,824 |
Montana | $131 | $1,575 |
Nebraska | $144 | $1,724 |
Nevada | $197 | $2,360 |
New Hampshire | $116 | $1,396 |
New Jersey | $204 | $2,448 |
New Mexico | $135 | $1,615 |
New York | $153 | $1,833 |
North Carolina | $155 | $1,856 |
North Dakota | $123 | $1,473 |
Ohio | $99 | $1,187 |
Oklahoma | $178 | $2,131 |
Oregon | $121 | $1,446 |
Pennsylvania | $120 | $1,435 |
Rhode Island | $138 | $1,661 |
South Carolina | $138 | $1,652 |
South Dakota | $94 | $1,126 |
Tennessee | $137 | $1,642 |
Texas | $208 | $2,497 |
Utah | $136 | $1,627 |
Vermont | $82 | $989 |
Virginia | $103 | $1,241 |
Washington | $134 | $1,613 |
Washington, D.C. | — | — |
West Virginia | $141 | $1,696 |
Wisconsin | $114 | $1,374 |
Wyoming | $129 | $1,546 |
Young drivers pay the highest rates with Allstate at $363 per month, among the highest in MoneyGeek's 14-insurer dataset. Rates drop sharply as drivers age: the young-to-adult transition saves $201 a month, settling at $161 month for adults. Senior drivers see a modest $46 per month increase, averaging $207 per month.
Drivers looking for better rates by age group can explore cheap car insurance for new drivers or cheap car insurance for seniors to compare alternatives across all major carriers.
Age Group | Monthly | Annual |
|---|---|---|
Young drivers | $363 | $4,354 |
Adult drivers | $161 | $1,937 |
Senior drivers | $207 | $2,489 |
A DUI pushes Allstate's full coverage rate to $267 per month, a $106 per month surcharge (roughly 65%) over a clean record. An at-fault accident adds $71 per month, while a speeding ticket adds $28 per month. Drivers with serious violations should compare across carriers; see cheap car insurance for high-risk drivers or cheap car insurance after a DUI for alternatives. If your rate recently increased, why did my car insurance go up explains the most common causes.
Driving Record | Monthly | Annual | vs. Clean |
|---|---|---|---|
Clean record | $161 | $1,937 | — |
Not-at-fault accident | $167 | $2,006 | +$6/mo |
Texting/Distracted driving | $188 | $2,258 | +$27/mo |
Speeding ticket (11–15 mph over) | $189 | $2,268 | +$28/mo |
At-fault accident ($1K–2K damage) | $232 | $2,789 | +$71/mo |
DUI (BAC 0.08 or higher) | $267 | $3,204 | +$106/mo |
Credit-based insurance pricing applies in most states; California, Hawaii and Massachusetts prohibit the practice. With Allstate, drivers with poor credit pay $311 per month compared to $161 per month for good credit, a $150 month difference (roughly 93% more). Drivers with excellent credit ($176 per month) pay slightly more than those with good credit ($161 per month). This reflects a profile-mix anomaly in the dataset rather than a pricing reversal.
Improving your credit score before renewal is one of the most effective ways to reduce your premium. You can also explore bad credit car insurance options or review how much car insurance I need to identify coverage adjustments that may offset the cost.
Credit Tier | Monthly | Annual |
|---|---|---|
Excellent | $176 | $2,111 |
Good | $161 | $1,937 |
Fair | $233 | $2,798 |
Below Fair | $265 | $3,178 |
Poor | $311 | $3,733 |
Allstate ranks #13 out of 14 for affordability, but several strategies can reduce what you pay. Explore available car insurance discounts and use our tool to estimate your Allstate rate before making coverage decisions.
Allstate offers a bundling discount when you combine home or renters insurance with your auto policy. Get a combined quote to see how much the bundle reduces your total premium.
Allstate's Drivewise telematics program rewards safe driving habits, smooth braking, lower mileage and avoiding late-night driving, with a rate discount. Drivers who qualify can get savings without changing their coverage.
Increasing your deductible from $500 to $1,000 reduces your monthly premium. Moving to a $2,000 deductible lowers it further, though it raises out-of-pocket costs if you file a claim.
Moving from poor to good credit can save approximately $150 per month with Allstate, based on MoneyGeek's data. Reducing revolving balances and correcting credit report errors before your next renewal can move you into a lower pricing tier.
Allstate ranks #13 out of 14 insurers for affordability. Running a comparison across MoneyGeek's full insurer database at each renewal ensures you're not overpaying relative to what's available in your state.
At $161 per month, Allstate ranks #13 for affordability among the 14 major national insurers MoneyGeek tracks. It's the most expensive insurer in our dataset. The trade-off is coverage quality: Allstate's #3 coverage score is one of the strongest in the database, meaning policyholders receive broad protection relative to most competitors.
For context, GEICO car insurance cost averages $98 per month for the same profile, $63 less per month or $758 per year. Drivers considering a switch can review our Allstate vs. State Farm comparison, explore cheap full coverage car insurance options or see the full rankings on our best car insurance companies page.
Insurer | Monthly | Annual | MG Overall Rank |
|---|---|---|---|
GEICO | $98 | $1,179 | #4 of 14 |
State Farm | $121 | $1,448 | #6 of 14 |
Progressive | $125 | $1,503 | #2 of 14 |
Allstate | $161 | $1,937 | #10 of 14 |
Allstate full coverage costs an average of $161 per month for an adult male with good credit and a clean record. This is $25 above the $136-per-month national average across all insurers MoneyGeek tracks. Your actual rate will vary by state, age, credit and driving record.
Among the 14 insurers in MoneyGeek's dataset, Allstate ranks #13 for affordability. It's the most expensive of the major carriers we track, though its #3 coverage score means policyholders get strong protection relative to most competitors.
GEICO averages $98 per month for the same profile, $63 per month less than Allstate. Over a year, that gap is $758. See our GEICO car insurance cost page for a full breakdown.
Yes. Drivers with poor credit pay $311 per month with Allstate, vs. $161 per month for good credit, a $ 150-per-month difference. Credit-based pricing applies in most states; California, Hawaii and Massachusetts prohibit it.
The state minimum liability average is $81 per month with Allstate. It only covers damage you cause to others and doesn't protect your own vehicle. Drivers with a loan or lease are required by their lender to carry full coverage. See cheap liability car insurance for alternatives across carriers.
Yes. Key programs include Drivewise (telematics), multi-policy bundling, good student and multi-vehicle discounts. Savings vary by state and individual profile.
MoneyGeek collected Allstate car insurance rate data across all U.S. states using a sample profile: 40-year-old male, good credit, clean record, 100/300/100 limits, $1,000 deductible, full coverage. National data: April 2025. State data: November 2025. Rates are ZIP-code averages — individual quotes will vary. MoneyGeek scores and ranks 14 insurers in total.
National data: April 2025. State-level data: November 2025. Rates are updated regularly to reflect current market conditions.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
