Allstate Car Insurance Discounts: Complete Guide to Savings

How Allstate Discounts Work

Car insurance can get expensive, but Allstate offers multiple ways to save. The company provides 12 different discounts, ranging from bundling policies to rewards for safe driving. Some discounts apply automatically, while others require proof of eligibility, like a student’s GPA or enrollment in a telematics program.

Below, you’ll find a breakdown of Allstate’s discounts, plus tips on how to qualify and maximize your savings.

Full List of Allstate Discounts

Here are the most common discounts Allstate offers to drivers:

• Multi-policy: Save up to 25% by bundling auto with home, renters, or life insurance.
• New car: Varies, for original owners of vehicles less than three model years old.
• Student: For young drivers with good grades, completing teenSMART®, or living 100+ miles from home.
• Anti-lock brake (ABS): Discount for cars with ABS safety features.
• Anti-theft device: Savings for installing theft-prevention technology.
• EZ Pay: Discount for setting up automatic payments.
• Paperless (eSmart): Discount for choosing digital policy documents.
• Early signing: Sign your policy seven days before it takes effect for savings.
• FullPay: Pay your policy in full instead of installments.
• Responsible payer: Savings for consistently paying on time.
• Safe driving: Lower rates for avoiding accidents and violations.
• Multi-car: Insure more than one vehicle under the same policy.

Driving Record Rewards

Allstate encourages safe driving through additional benefits:

• Safe Driving Bonus®: Earn savings for each six-month policy period without accidents.
• Deductible Rewards®: Get a $100 credit toward your collision deductible at signup, plus another $100 each accident-free year (up to $500).

Although Allstate doesn’t offer a low-mileage discount, driving fewer than 7,500 miles annually can lower your rates by about 23%. Optional Accident Forgiveness coverage is also available to prevent rate increases after your first accident.

Vehicle Discounts

Your car’s features can also qualify you for savings:

• New car discount for recently purchased vehicles.
• ABS discount for cars with anti-lock braking systems.
• Anti-theft discount for alarms and recovery devices.

Age-Related Discounts

Young drivers often face higher premiums, but Allstate offers a Good Student Discount for unmarried drivers under 25 who:

• Maintain at least a 2.7 GPA,
• Complete the teenSMART® driving program, or
• Attend school more than 100 miles away.

To apply, provide a recent report card or proof of eligibility to your Allstate agent.

Payment Discounts

How you pay can also impact your premium. Options include:

• EZ Pay: Automatic withdrawals.
• FullPay: Pay your policy in full upfront.
• Responsible payer: Keep payments on time.
• Paperless (eSmart): Choose online documents.
• Early signing: Finalize your policy a week before it starts.

Loyalty Savings

While Allstate doesn’t offer a traditional loyalty discount, customers can save through:

• Multi-car discounts for insuring two or more vehicles.
• Multi-policy discounts for bundling auto with other types of insurance.

Telematics: Drivewise®

Allstate’s Drivewise® program uses telematics to monitor driving habits. Enrollees can save up to 40% at signup, with realistic long-term savings of 20–25% for safe drivers. The program tracks braking, speeding, phone use, and time of day. Risky driving could increase premiums, so results vary.

How to Apply Discounts

Some savings are automatic, such as ABS or anti-theft discounts, while others require action. Examples include:

• Providing proof of GPA for the Good Student Discount.
• Enrolling in Drivewise® and downloading the app.
• Choosing autopay, early signing, or full-payment options.

If you’re unsure, an Allstate agent can guide you through qualification and enrollment.

Other Ways to Save With Allstate

Beyond discounts, you can lower your car insurance costs by:

• Shopping around annually to ensure Allstate remains competitive.
• Comparing rates before buying a new vehicle, since car type influences premiums.
• Raising deductibles to reduce monthly payments (only if you can afford out-of-pocket costs).

Allstate Discount FAQs

• Does Allstate have a loyalty discount? No, but multi-policy and payment-based discounts fill that gap.
• What is the Premier Plus discount? Available in some states for drivers with no at-fault accidents in five years; can reduce premiums by 30% or more.
• What’s the Drivewise® discount? A telematics-based program offering savings for safe driving but potential rate hikes for risky habits.
• What’s the responsible payer discount? Automatic savings for consistent on-time payments.
• Does Allstate offer an AARP discount? No, but AARP members can save up to 15% on Allstate roadside assistance plans.

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