Allstate Car Insurance Prices: A Multi-State Comparison

If you’re currently in a position where you are comparing car insurance plans, Allstate car insurance is probably on your list of options. The number two provider of car insurance in the country offers a full range of coverage features and some unique savings plans. What you ultimately pay for Allstate auto insurance coverage is also going to depend on where you live. To illustrate this, we’ve put together a fairly typical driver profile to go shopping for a set of good hands in three different states. While it won’t absolutely tell you what it would cost you to insure with Allstate, it’s a fairly accurate gauge of how Allstate car insurance prices can vary from region to region.

Our driver profile

To make things a little more interesting, our fictional driver is a 17-year-old male (we’ll call him Jordan) who lives at home and is quite active in school-related activities while also working part-time. His folks bought him a 2008 Toyota Tacoma pickup six cylinder with 4-wheel drive but no real bells and whistles to speak of. The car is owned, free and clear, and has just over 65,000 miles on it. Jordan has had his license since he turned 16, having successfully completed all stages of the required Graduated Driver Licensing program that applied to him. He also recently completed a safe driver course through his school. Jordan is a good student and consistently maintains a GPA of between 3.5 and 4.0.

The states we’re shopping in

We’re going to take Jordan and his family car insurance shopping in three separate cities/states: Ann Arbor, Michigan; Topeka, Kansas; and Eagle, Idaho (a suburb just outside Boise). Not only will this give us a very broad range of the options and discounts available through Allstate (as they can differ from state to state), these markets also give us a pretty good cross-section of marketplaces. These three city/states represent markets that, according to many annual surveys, represent expensive, mid-range and inexpensive markets for car insurance (respectively).

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While each of these three states has set different minimum car insurance coverage requirements for its licensed drivers, Jordan and his family are typical in that they strive to have coverage in place that exceeds the state minimums. In each marketplace, we’ve also dug into what premium discounts may be available to offset some of the impact of Allstate car insurance prices. As any family with young drivers knows. Adding a teen boy to the ranks of insured drivers comes with a hefty increase in base premium.

(The rates illustrated in the following scenarios were drawn from online quotes collected in January of 2014.)

Michigan

Michigan consistently ranks as one of the most expensive states in the country for car insurance, even though it has fairly low required levels of liability coverage. A big reason why it ranks high is that its no-fault system of car insurance laws and requirements has some pretty generous provisions for accident victims. Michigan allows for the awarding of unlimited lifetime medical payment benefits for victims of car accidents (and covered family members.)

A licensed driver in the state of Michigan must have (at a minimum) the following car insurance coverage options in place:

• $20,000 personal injury liability for a single person per-accident
• $40,000 total personal injury liability per-accident
• $10,000 property damage liability per-accident
• Personal injury protection (that allows for unlimited lifetime medical payments, rehabilitation services, and compensation for lost services of a minimum $20-day for up to three years)
• $1 million in property protection insurance (PPI) separate from property damage liability (this covers damage you cause to property in an accident, though it does not apply to other cars, unless you damage cars while they were legally parked)

In keeping with the family’s philosophy of getting more coverage than required, the Allstate car insurance plan for Michigan we put in place for Jordan included:

• $50,000/$100,000 in bodily injury liability
• $50,000 property damage liability
• $50/$100,000 uninsured/underinsured motorist coverage
• $50,000 personal injury protection (with provisions on reimbursement that exceed state minimums)
• $1 million in PPI

(Due to the age and market value of Jordan’s car, they opt to forego adding collision or comprehensive coverage.)

While adding a teen male driver to a family’s car insurance policy will always result in a spike in premium costs, doing so in a high-price state like Michigan could prove breathtakingly high. To help offset this, Allstate has a number of discounts it offers drivers in Michigan, and Jordan and his family can take advantage of most of them, including:

• A good student discount
• A discount for automatic premium payment
• A discount for completing a recognized safe driving course
• We’re signing Jordan up for Allstate’s Drivewise monitoring program
• The family enjoys a few discounts for multi-car and multi-policy programs

In total, Jordan and his family will enjoy more than $1,000 in premium discounts for the car insurance plan we put in place for Michigan. After all that, Jordan’s monthly Michigan Allstate car insurance premium will be – $215 - $230

Use this guide to find out more information about discounts from Allstate

Kansas

Moving to the Sunflower State, Jordan and his family face some slightly different car insurance requirements. Licensed drivers in the state of Kansas are required to have the following minimum options and levels in place on a car insurance policy:

• $25,000 per person for bodily injury liability per-accident
• $50,000 in total bodily injury liability per-accident
• $10,000 in property damage liability per-accident
• $25,000 in uninsured/underinsured bodily injury for a single person per-accident
• $50,000 in uninsured/underinsured total bodily injury coverage per accident
• Personal injury protection (PIP) of $4,500 (with $900 in work loss provisions, per-accident)

Once again we’re going to put levels in place that exceed the state’s requirements and with that in mind, here is the suggested package of coverage options and limits we quoted for Jordan’s Kansas Allstate car insurance policy:

• $50,000/$100,000 in bodily injury liability
• $50,000 in property damage liability
• $50,000/$100,000 for uninsured/underinsured motorist coverage
• $25,000 in personal injury protection (PIP) that includes a work-loss provision of $1,500
• As in Michigan, the age and value of Jordan’ car doesn’t make it a smart move to add collision or comprehensive

Take a look at a few free car insurance quotes

We can’t hook Jordan up to Allstate’s Drivewise program in Kansas, but he is eligible for about $200 in total discounts for taking the safe driving course and for the fact that there are some multi-car and multi-policy savings for his parents, and for the fact that he sets up auto-pay of premium. The total monthly premium for Jordan’s Kansas Allstate policy will be – $120-$130.

Idaho

Idaho is one of the least expensive states for car insurance costs, and one reason may be its relatively low coverage requirements. For licensed drivers in the state of great potatoes, the following minimum car insurance options and levels need to be in place:

• $25,000 in bodily injury liability coverage for a single person per-accident
• $50,000 in total bodily injury liability coverage per-accident
• $15,000 in property damage liability per-accident

There are no other requirements.

To beef up Jordan’s protection while he drives in Idaho, we’re putting the following Allstate car insurance coverage plan in place:

• $50,000/$100,000 for bodily injury liability coverage
• $50,000 for property damage liability
• $50,000/$100,000 uninsured/underinsured motorist coverage

Again, we’re not going to put collision or comprehensive coverage on Jordan’s pickup, as the cost-to-value ratio still doesn’t pan out. Allstate can’t be as generous with discounts in Idaho as it can in other states, though Jordan still gets a break for auto-pay and for his parents having multi-car and multi-policy plans. (In Idaho, Jordan gets not break for completing a safe driving course and he can’t hook up to Drivewise.) Even with those limitations on discounts, Idaho proves its standing as a very affordable state for insurance. Jordan’s Idaho Allstate car insurance costs will be – $115-$125 a month.

This guide will give you even more information regarding car insurance options with Allstate

 

While your individual circumstances will result in different premium rates, these state-by-state comparisons should give you an idea of how wide the range of costs can be when you compare one state to another. Of course, the best way to get a solid comparison pegged to the unique driving needs of you and your family is to speak directly with a licensed, experienced car insurance professional. An agent can show you a broad range of coverage plans before you ever have to buy, and an agent will know if you have pursued all the discounts you’re entitled to. Reply! can help here by connecting you directly to car insurance agents in your area, eager to help you get the best buy on the best policy.

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