Allstate Family Car Insurance Discounts [2025]

We’ve all collected the complete Allstate discounts list Allstate doesn’t have what you would call a multi-family car insurance discount.

What it does offer is a discount for multiple cars from the same household. In order to qualify, you have to be living in the same house or, if it is a child, they still have to be your dependent.

This means that you can get a discount on insurance for vehicles driven by your children that are in college, even if their vehicle is in their name.

You can compare car insurance rates from multiple companies online right now by entering your ZIP code above!

Allstate also offers several other discount programs that make it worthwhile to give the company’s insurance options a look.

However, before you decide on anything, make sure you take the time to compare Allstate with other companies to see if you get a better deal when you include the discounts in your quote.

What are the available auto insurance policy discounts?

Allstate lists 11 discounts on its website for which you may qualify. Each discount does have stipulations associated with it, though–in some cases–Allstate doesn’t specifically say what those stipulations might be.

Allstate car insurance discounts include:

• Safe driver – Allstate uses three years of your driving record to determine if you meet its criteria.
• New car – New cars typically have more safety features, which means they qualify for a discount. However, be aware that higher dollar value vehicles cost more to insure in general.
• Early signing – This 10% discount applies if you switch from one insurance company to Allstate while your policy is still in force.
• Good student discounts – Only applies to single full-time students under the age of 25.
• Resident student auto insurance discount – Only applies to college students in a college that is at least 100 miles away from their home.
• Deductible rewards – You will get a $100 reduction of your deductible each year that you are accident-free, starting when you sign up with Allstate.
• 55 and retired – saves you 10%
• Passive restraints – This only applies to factory-installed air bags and motorized seatbelts.
• Anti-lock brakes
• Anti-theft devices – Savings are only up to 10% no matter how many devices you have on your vehicle to prevent theft.
• Multi-policy – Discount applies when you combine auto insurance with a homeowner’s or renter insurance policy.

In most cases, you will find that the discounts for which you qualify will automatically be applied to your account.

If, however, you are a student or something changes in your life, you will want to discuss other possible discounts with Allstate.

What’s more, a discount that is not listed on the Allstate website is a discount for married couples.

However, many people who are married claim that they received a discount on their Allstate insurance when they went from single to married. This is worth asking about if you are considering a policy with Allstate.

Read More: How do you get Allstate car insurance quotes online?

Comparison of Allstate to Other Companies

When Allstate’s discounts are compared to other companies, they hold up well. The company is among the first of the car insurance companies to offer deductible rewards when you drive well.

In addition, it clearly shows how much of a percentage your discount will be.

As for its car insurance coverage, it has excellent options that will ensure that you have complete coverage on your vehicle. It also offers replacement value coverage for your car rather than depreciated value coverage, which is a valuable service.

Overall, Allstate is an excellent company to consider: it has a national presence, you can find Allstate in every state, and its customer service is considered top notch as well.

Allstate Stability and Security

Discounts from Allstate are not the only reason that you should choose them as an auto insurance provider as it is a stable and secure company.

Most people assume that Allstate meets both of these requirements because they are such a well-known company.

However, there is a sure way for you to find out about the stability and security of Allstate or any auto insurance company, and that is through rating companies such as A.M. Best.

In the case of Allstate, it has an “A+” rating from A.M. Best, which is a superior rating.

Before you choose an insurance company, you should use sources such as A.M. Best, the Better Business Bureau, and online forums to see how a company is doing. This will ensure that your choice is one that you can live with for the long run.

Enter your ZIP code below and compare car insurance quotes from multiple providers today!

Case Studies: Allstate Family Car Insurance Discounts

Case Study 1: Multi-Vehicle Discount

A family consisting of two parents and their teenage child who recently obtained their driver’s license decided to insure their two vehicles with Allstate. By insuring both cars under the same policy, they were eligible for the multi-vehicle discount. This discount helped reduce their overall insurance rates, making it more affordable to insure multiple cars within the same household.

Case Study 2: College Student Discount

A family had a dependent child who was attending college and owned a vehicle. Despite the vehicle being registered under the child’s name, the family qualified for a discount on insurance for the college student’s vehicle since they lived in the same household and the child was their dependent. This discount provided cost savings on the insurance premium for the college student’s car.

Case Study 3: Safe Driving Discount

A family consisting of a married couple with two teenage drivers decided to insure their vehicles with Allstate. Both parents had clean driving records with no accidents or traffic violations, and they emphasized safe driving habits to their teenage children.

By insuring their vehicles with Allstate, they became eligible for the safe driving discount. This discount rewarded their commitment to safe driving by reducing their insurance rates. As a result, they were able to save on their car insurance premiums while ensuring their family’s protection on the road.