Allstate Discounts and Ways to Save

Allstate offers an extensive list of auto and home insurance discounts that can substantially reduce your premium when properly applied. Some discounts apply automatically based on your situation. Others require you to actively claim them or qualify based on specific criteria. Many customers receiving Allstate quotes are unaware of every discount available and end up paying more than necessary.

This guide walks through every major Allstate discount available, how to qualify, typical savings amounts, and the strategies that produce the largest combined savings.

Multi-Policy and Multi-Vehicle Discounts

Multi-Policy Bundling Discount

Bundling Allstate auto insurance with home, renters, condo, life, or other Allstate policies produces savings of up to 25% on auto and similar reductions on the home policy. This is one of the largest single discount opportunities at Allstate.

Multi-Vehicle Discount

Insuring two or more vehicles on a single Allstate policy produces savings of up to 20% per vehicle. This discount applies automatically when you add multiple vehicles to your policy.

Driver Behavior Discounts

Drivewise Telematics Program

Allstate’s usage-based program offers up to 40% in safe driver discounts with no rate increase risk. Most participants earn 10% to 25% based on actual driving behavior. The program is essentially risk-free since participation cannot increase your rate.

Safe Driving Bonus

Allstate sends checks every six months to claim-free drivers as a reward for safe driving. While not technically a premium discount, the Safe Driving Bonus provides ongoing financial benefit for drivers who stay claim-free.

Drive Wise Continued Discount

Drivers who continue safe driving habits over time earn increasing discounts through ongoing Drivewise participation.

Defensive Driving Course Discount

Completing an approved defensive driving course produces premium discounts in many states, particularly for drivers age 50 and older.

Vehicle and Equipment Discounts

Anti-Theft Device Discount

Vehicles with factory-installed anti-theft devices, alarm systems, or aftermarket tracking devices qualify for comprehensive coverage discounts.

Anti-Lock Brakes Discount

Vehicles with factory-installed anti-lock braking systems qualify for liability premium discounts.

Passive Restraint Discount

Vehicles with airbags, automatic seatbelts, or other passive restraint systems may qualify for medical payments coverage discounts.

New Car Discount

Newly purchased vehicles (typically within the first year of model year) often qualify for premium discounts.

Daytime Running Lights Discount

Vehicles equipped with daytime running lights may qualify for additional discounts in some states.

Account and Payment Discounts

Pay-in-Full Discount

Paying your full six-month or annual premium in a single payment rather than monthly installments saves on installment fees and produces additional discounts.

EZ Pay Plan Discount

Setting up automatic premium payments through the EZ Pay Plan typically qualifies for premium savings.

Paperless Discount

Choosing electronic billing rather than paper bills typically qualifies for a small discount.

Allstate Early Signing Discount

Customers who sign their renewal at least seven days before their policy expires qualify for a discount on the renewal premium.

Responsible Payer Discount

Customers with consistent on-time payment history qualify for additional savings.

Customer Profile Discounts

Welcome Discount

New Allstate customers typically receive a welcome discount during their initial policy period.

Loyalty Discount

Long-term Allstate customers receive progressive discounts based on tenure with the company. The Loyalty Discount grows over time, rewarding sustained customer relationships.

Good Student Discount

Full-time students under 25 with a B average or better can save up to 20%.

Driver Education Discount

Drivers under 21 who completed an approved driver education course qualify for additional discounts.

TeenSMART Discount

Allstate’s program for teen drivers includes educational components that qualify for premium discounts upon completion.

Smart Student Discount

Students attending school more than 100 miles from home and not driving the family vehicle full-time qualify for reduced rates during the academic year.

Home Safety Discounts

Protective Device Discount

Homes with smoke alarms, fire extinguishers, deadbolt locks, security systems, and other safety features qualify for homeowners premium discounts.

Home Security System Discount

Homes with monitored security systems qualify for additional discounts beyond basic safety equipment.

Hail Resistant Roof Discount

Homes with impact-resistant roofing materials in hail-prone areas qualify for substantial homeowners discounts.

New Home Discount

Newly constructed homes (typically built within the last 10 years) often qualify for premium discounts.

Home Buyer Discount

Recently-purchased homes (typically within the last year) may qualify for additional discounts.

How Much Can You Save With Allstate Discounts?

The largest savings come from stacking multiple discounts. Single discounts produce modest savings, but combining several can substantially reduce your overall premium.

How to Make Sure You Get Every Discount

Work With Your Local Agent

Local agents can identify discount opportunities specific to your situation that may not be obvious during online shopping. Personal review of your circumstances often reveals discounts you would miss.

Apply Online for Maximum Discount Visibility

The online quote process asks about most discount-eligible characteristics. Answer all questions accurately to receive applicable discounts.

Provide Documentation Promptly

Discounts requiring documentation (good student, driver education, military, etc.) need verification. Provide requested documentation quickly to avoid losing the discount.

Review at Each Renewal

Discount eligibility can change over time. Annual reviews ensure you continue receiving applicable discounts and identify new opportunities as your situation evolves.

Use Drivewise if You Drive Safely

Drivewise’s risk-free structure means it costs nothing to try. If you drive safely, the program produces meaningful ongoing savings.

Sign Renewals Early

The Early Signing Discount provides easy savings simply by reviewing and confirming your renewal at least a week before the deadline.

Allstate Discounts vs. Other Major Insurers

Allstate’s discount structure is competitive with other major insurers, with particular strength in the Drivewise telematics maximum discount and the unique Safe Driving Bonus program that competitors do not match.

Frequently Asked Questions

What is the biggest Allstate discount?

Drivewise telematics offers the largest single discount potential at up to 40%. The multi-policy bundling discount of up to 25% is the largest non-behavior-based discount. Combining multiple discounts produces the largest overall savings.

How do I find out what Allstate discounts I qualify for?

Contact your local Allstate agent directly and ask them to review every available discount for your situation. The online quote process also asks about most discount-eligible characteristics. Mention any group memberships, professional affiliations, or special status that might qualify.

Does Allstate offer a military discount?

Allstate offers military-related discounts in some states. Active military, veterans, and military families should ask specifically about military discounts during the quote process.

Can I lose Allstate discounts?

Yes. Some discounts require ongoing eligibility. Filing claims, getting tickets, having students drop below GPA thresholds, or removing safety equipment can affect discount status.

Are Allstate bundling discounts worth it?

Almost always yes for households with multiple insurance needs. The combined savings from bundling typically exceed any savings you could achieve by buying each policy separately. Single-carrier bundling also simplifies management.

How often does Allstate review discounts?

Discounts are typically reviewed at each policy renewal, every six months for most Allstate auto policies. Major life changes (marriage, home purchase, completion of qualifying programs) can trigger immediate review for new discount opportunities.

What is the Safe Driving Bonus?

The Safe Driving Bonus is an Allstate program that sends checks every six months to claim-free drivers. The amount is typically modest but represents ongoing financial reward for maintaining safe driving habits.

The Bottom Line

Allstate offers a comprehensive discount program that can substantially reduce premiums when properly applied. The largest savings opportunities involve combining multi-policy bundling, Drivewise participation, and the company’s unique loyalty programs.

For typical drivers, stacking discounts can produce 30% or more in total savings. The Safe Driving Bonus checks add additional ongoing value beyond the premium discount itself.

For broader perspective on insurance pricing factors, our guide on what factors affect your car insurance premium walks through the broader pricing landscape.

The team at Matrix Insurance can help you compare Allstate discounts against other carriers’ programs to ensure you are getting the best overall value. Use our Car Insurance Calculator for a starting estimate, or reach out to our team directly for a personalized review.