Allstate Car Insurance Cost: Rates by Age, State & Driving Record

Allstate full coverage costs an average of $161 per month, and liability-only costs $81 per month. Compare rates by state, age, credit score and driving record and see exactly when that premium is worth paying and when it isn't.

Find out if you're overpaying for car insurance below.

Written by Mark Fitzpatrick

Updated: May 11, 2026

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Key Takeaways

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 14 major national insurers, Allstate ranks #10 overall, #13 for affordability, and #3 for coverage. You pay more, but you get stronger protection.

Monthly state rates range from $82 in Vermont to $557 in Louisiana.

A DUI adds $106 to Allstate's monthly rate, a 66% increase. Drivers with a recent DUI should compare Progressive Snapshot rates before staying with Allstate.

WHY YOU CAN TRUST MONEYGEEKS ANALYSIS OF ALLSTATE CAR INSURANCE RATES

MoneyGeek analyzed rates from Quadrant Information Services, which collects ZIP-code-level premiums from major insurers nationwide. MoneyGeek does not receive compensation based on which companies rank highest. Allstate's cost ranking reflects its publicly available rates, nothing else.

How Much Does Allstate Cost on Average?

Allstate full coverage averages $161 a month, $25 above the national average of $136. Allstate ranks 13th of 14 for affordability but earns a third-place coverage score. It is the most expensive of the four major national carriers most drivers compare: GEICO, State Farm, Progressive, and Allstate itself. Paying more gets specific things. GEICO's lower rate gets you something different.

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. These are averages for a specific baseline profile. If your profile differs from this baseline, your rate will differ. The sections below break out rates by profile, so the numbers closest to your situation are easy to find.


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
300/500/300 full coverage w/ $1,500 deductible	$181	$2,172

Allstate's rates are higher because it includes coverages that GEICO and State Farm don't. The $98 GEICO rate does not include gap coverage or new car replacement. GEICO does not offer either product. Drivers financing a new vehicle who want coverage for the difference between what they owe and what the car is worth after a total loss need Allstate, Progressive, or Nationwide. GEICO cannot provide that coverage.

Drivers with an active vehicle loan or who want accident forgiveness on their policy get coverage at Allstate that the two cheapest major carriers cannot match. Drivers with no loan and a clean record who have no plans to add coverage are paying $25 above the national average for unneeded coverage. Drivers who want a dedicated agent for renewals, coverage adjustments, or claim questions pay Allstate's higher rate for that access.

For a complete side-by-side comparison, read our reviews of Allstate vs. GEICO and Allstate vs. State Farm for further details, and use the table below to compare each insurer's rates and decide which company is best for your situation.
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
The coverage level you choose determines whether Allstate pays for your own vehicle after a crash and how much. State minimum liability covers damage and injuries you cause to others. Allstate pays nothing toward your own car if you cause the accident. Full coverage adds collision, which repairs your car regardless of fault, and comprehensive, which covers theft and non-collision damage. The three numbers in a coverage level, like 100/300/100, set three separate payment ceilings under your policy.

At Allstate, $2 a month separates the $500 and $1,000 deductible options on comparable coverage. That works out to a 500-month break-even period, more than 40 years of savings to recover one extra $1,000 out-of-pocket claim payment. The deductible does not move the rate much at Allstate. Switching carriers or improving your credit produces faster, larger savings. Most lenders require full coverage on financed or leased vehicles; the exact liability minimums depend on your loan agreement.

Allstate Car Insurance Cost by State

Car insurance rates vary by state due to regulations, weather, traffic density and litigation rates. Vermont holds Allstate's national low at $82 a month. Louisiana tops the list at $557, a 6.8x spread on identical coverage. No other carrier in MoneyGeek's industry-wide review shows a larger state-by-state range.

Vermont holds Allstate's national low at $82 monthly. Louisiana tops the list at $557, a 6.8x spread on identical coverage. No other carrier in MoneyGeek's 14-insurer dataset shows a wider state range.

Louisiana generates more auto insurance litigation than any other state, according to Insurance Research Council data. That litigation pushes Allstate's Louisiana rate above every other state in the dataset. Vermont's rural profile and low attorney involvement in accident claims keep Allstate's costs there manageable.

The table below shows Allstate's average monthly and annual rates by state for the standard baseline profile: a 40-year-old male with good credit, a clean record, 100/300/100 full coverage, and a $1,000 deductible.


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

Allstate Car Insurance Cost by Age

Young drivers pay $363 monthly with Allstate ($4,354 annually). That rate ranks among the bottom, placing it at 11 of 14 carriers in MoneyGeek's industrywide review for the same profile. Allstate's rate drops $201 at age 40, landing at $161. Senior drivers pay $207 ($2,489 annually), which is $46 more than the adult baseline.
Allstate's young driver rate is above average because it does not adjust pricing based on real-time driving behavior, unlike a telematics-first carrier. Progressive Snapshot prices on actual driving behavior rather than age. Young drivers with safe habits typically pay less with Progressive than the $363 Allstate base. Get a Snapshot quote before committing to Allstate as a young driver, and requote with Allstate again at 25. That is when Allstate's age penalty drops and the gap between Allstate and its competitors narrows.

Age Group	Monthly	Annual
Young drivers	$363	$4,354
Adult drivers	$161	$1,937
Senior drivers	$207	$2,489

Allstate Car Insurance Cost for High-Risk Drivers

A DUI pushes Allstate's full coverage rate to $267 monthly ($3,204 annually), a $106 monthly increase and 66% above the rate for a clean record. Allstate's rate increase exceeds the 14-insurer average because its pricing model weights violations by their potential claim severity. DUI carries the highest multiplier in that system.

At $267, Allstate charges more for a DUI driver than Progressive. Progressive Snapshot is the right choice if the DUI is more than a year old and you currently drive carefully. Snapshot rewards current driving behavior and does not use your conviction record as a starting point. It is the only major telematics program with that feature.

Drivers who want to stay with Allstate after a DUI can add accident forgiveness as a purchasable add-on. Allstate's accident forgiveness prevents the next at-fault accident from further increasing the rate. That protection matters if you plan to stay with Allstate long-term and want to cap your exposure after a second incident.

Drivers with serious violations should compare carriers to find cheap high-risk car insurance or cheap car insurance after a DUI.

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

How Your Credit Score Affects Allstate Car Insurance Cost

Credit-based insurance pricing applies in 46 states. Four states prohibit it entirely: California, Hawaii, Massachusetts, and Michigan. Every driver in those four states pays the same rate regardless of credit history. All other states allow insurers to use credit scores, and Allstate uses them aggressively.

Allstate's credit sensitivity runs above average. Drivers with poor credit pay $311 a month versus $161 for good credit, a $150 monthly difference and 93% more for identical coverage. Allstate prices credit more harshly than most of its 14 competitors in MoneyGeek's dataset. Drivers currently paying $311 with Allstate should run quotes from competing carriers before renewal.

Drivers with excellent credit pay $176, slightly more than the $161 good-credit rate. This reflects a profile-mix pattern in MoneyGeek's dataset and not a pricing reversal.

Credit improvement cuts the rate substantially but only at your next renewal. Allstate re-runs credit scores at renewal, not mid-term. Get a new quote 45 days before your renewal date to capture the savings. Credit improvement mid-policy does not change your current Allstate bill.

Drivers with bad credit can find the cheapest car insurance using MoneyGeeks expert analysis.

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

How to Lower Your Allstate Car Insurance Cost

Allstate ranks #13 out of 14 for affordability, but several strategies can get you car insurance discounts. You can estimate your Allstate rate before making coverage decisions.

1
Bundle home and auto
Bundling home and auto with Allstate reduces the premium on both policies. Call Allstate for a combined quote 30 days before your home renewal so both discounts apply in the same policy period.
2
Enroll in drivewise
Drivewise monitors your driving continuously with no fixed end date. Safe drivers save up to 40%. Hard braking and late-night driving carry the highest penalty weight in the Drivewise scoring algorithm.

Drivewise can raise your rate if your habits score poorly. Run the app for a full month before enrolling in the full Drivewise program. Drivers who score consistently well unlock the savings. Drivers who score poorly should hold off.
3
Improve your credit score before renewal
Moving from poor to good credit cuts $150 from Allstate's monthly rate. That is the largest single-variable savings available without switching carriers. The savings apply to your next renewal, not before. Allstate re-runs your credit score at renewal, so credit improvement mid-policy does not change your current bill. Reduce revolving balances and correct credit report errors before your renewal date. Request new quotes 45 days out from your renewal date.
4
Understand the Deductible Math
Allstate's data shows that $2 per month separates the $500 and $1,000 deductible options for comparable coverage. That break-even period exceeds 40 years. Raising the deductible does not produce enough savings at Allstate to justify the higher out-of-pocket exposure on a claim. Switching carriers or improving credit produces larger results faster.
5
Compare rates at every renewal
Switching from Allstate to GEICO saves $63 per month ($756 annually) for the same clean-record adult driver profile. GEICO achieves that rate by operating without local agents. Drivers who don't need gap coverage, new-car replacement, or a dedicated agent should ask this question every 12 months.

Using MoneyGeek's Car Insurance Calculator at each renewal makes sure you're not overpaying relative to what's available in your state.

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

Frequently Asked Questions About Allstate Car Insurance Cost

How much does Allstate car insurance cost per month?

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.

Is Allstate expensive compared to other insurers?

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.

How does Allstate compare to GEICO on cost?

GEICO averages $98 per month for the same profile, $63 per month less than Allstate. Over a year, that gap is $758.

Does Allstate charge more for bad credit?

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.

What is the cheapest Allstate coverage option?

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.

Does Allstate offer discounts to lower my rate?

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 2026. Rates are ZIP-code averages; individual quotes will vary. MoneyGeek scores and ranks 14 insurers in total.

How We Score Insurers

Affordability

Rates benchmarked against the $136 per month national average across 14 insurers.

Coverage Quality

Breadth of coverage options, policy limits and available add-ons.

Sample Profile

40-year-old male, good credit, clean record, 100/300/100 full coverage, $1,000 deductible.

National data: April 2025. Rates are updated regularly to reflect current market conditions.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.

Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!

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