Allstate Car Insurance Prices: A Select States Comparison

If you’re comparing car insurance options for your new driver, Allstate car insurance is probably at the top of your list of options. A good way to gauge the competitiveness of Allstate car insurance prices is to compare a few quotes for different states. This gives you a foundation to understand the actual cost out of pocket for Allstate auto insurance, which you can use as a frame of reference for other providers.

The case study we’re creating to compare Allstate car insurance policies and prices is for a driver seeking coverage in: Ann Arbor, Michigan; Topeka, Kansas; and Eagle, Idaho (a suburb just outside Boise). These states represent the expensive end, mid-range, and inexpensive ends (respectively) of states for average car insurance prices.

Our fictional driver is a 17-year-old boy named Ryan Arbor. He’s going to start driving a used, two-door, 2007 Toyota Tacoma pickup his family purchased for him a few months ago. He’s had his license since he turned 16, and he just completed a safe driver course – only relevant in Michigan and Kansas – and he gets good grades.

Ryan puts and average of about 8,000 miles a year on the truck. His father is also very risk averse, so in each state, we’re assuming he gets much more than the minimum required coverage, but skips on collision and comprehensive coverage for his own vehicle, because it’s a bit of a clunker.

Michigan

Michigan requires personal injury protection and property protection at fixed amounts, and residual bodily injury/property damage liability in the minimum amounts of $20,000 for injuries or death to an individual, $40,000 for injures or death to multiple people, and $10,000 for property damage per accident.

Personal injury protection (PIP) is coverage to pay for medical and hospital expenses incurred due to a covered loss such as an auto injury. Not all states require this. Property protection is relatively uncommon, and in Michigan this coverage always pays up to $1,000,000 for things you might damage in a crash outside of other vehicles, such as trees, road signs, and buildings.

Bodily injury and property damage liability is the basis for auto insurance in nearly every state, and it covers the people and cars/property if they need care or repair due to an accident for which the driver is found at fault.

The Michigan policy we put in place for Ryan includes:

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

Ryan’s monthly Allstate car insurance premium will be — $216

The uninsured coverage is important because it covers him in the event that he has an accident in which the other driver is at fault, but that driver lacks any or sufficient coverage.

This quote is low for teen males in Michigan, because Ryan has the option to take advantage of over $1,000 a year in discounts from Allstate because:

  • He’s a good student
  • He uses automatic payment for his premium
  • He completed a specified defensive driving course
  • He agreed to have Allstate’s Drivewise monitoring device placed in his car allowing Allstate to monitor what kind of driver he is and reward his good driving habits with additional discounts

(As a frame of reference, the premium, or enhanced package for Ryan, which would including more bodily injury liability coverage, $100,000 in property coverage, and the addition of collision and comprehensive with the minimum allowable deductible would cost $670 per month, over three times as much.)

Kansas

Kansas requires bodily and property liability insurance, personal injury protection (PIP), and uninsured/underinsured motorist coverage as follows:

Liability

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury
  • $10,000 per accident for property damage

Uninsured/Underinsured motorist

  • $25,000 per person]
  • $50,000 per accident

The Kansas Allstate auto insurance quote for Ryan includes a fairly standard PIP package that meets the state requirements and which very few drivers opt to upgrade.

The Kansas coverage package we put together for Ryan through Allstate includes:

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

His Kanas Allstate policy will be — $128 per month

(This includes $200 in discounts due to Ryan taking advantage Allstate’s easy pay option and his successful completion of a recognized defensive driving course.)

Idaho

Idaho has lower requirements than the other two states with liability requirements set to $25,000 for injury/death for one person with $50,000 for injury/death to more than one person, and $15,000 for damage to property.

The Allstate policy we put in place for Ryan in Idaho includes:

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

His monthly Allstate premium in Idaho would be — $121 a month

(This includes a few small discounts similar to the ones Allstate offers drivers in Kansas, but base the rate is so low they don’t have a significant impact.)

While specific, individual situations will vary, use these policy comparisons to compare the price of moving, if you want to insure your teen, and to understand the ways various insurance providers match up from state to state.

Jeffrey Davidson has worked in market research, public relations, consulting, writing, marking and sales in the car insurance industry for more than 25 years. He is currently a writer with Reply!. See his other article on Allstate.

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