While Allstate doesn’t have an official “full coverage” insurance policy, this insurance provider suggests drivers to bundle liability, collision, comprehensive, uninsured motorist, personal injury protection coverages to create a personalized full-coverage policy.
When purchasing car insurance
, many drivers deliberate over whether liability-only insurance coverage is enough or whether they should invest in a full coverage policy. Simply adhering to your state’s minimum insurance requirements is the cheapest car insurance
option, this option leaves serious gaps in your insurance plan and might leave you with massive medical and repair bills when disaster strikes. That’s why insurance providers like Allstate provide drivers with a wide range of different types of coverage to bundle together, such as comprehensive and collision insurance, to create a full coverage policy that fits your needs. Let’s see what’s covered under an Allstate full coverage policy—and whether it’s worth it for you.
4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ drivers What does Allstate full coverage insurance cover?
Before we get into the details of Allstate’s full coverage offerings, we need to cover the basics. What exactly does “full coverage” mean? Well, there isn’t exactly an official definition of full coverage
. However, a “full coverage policy” offered by your insurance provider, or a “full coverage” requirement from your lender to finance your new car, always describes an insurance policy including at least three types of coverage:
Liability insurance:
Liability coverage pays for medical bills and automotive repairs for other drivers if you’re found at fault in an accident. This kind of coverage is required in just about every state. Collision insurance:
At Allstate, collision coverage can help you financially if you hit another car, a stationary object, or if something hits your parked car. Comprehensive insurance:
Comprehensive insurance helps repair or replace your vehicle when it’s damaged because of something other than a collision, like fire, floods, vandalism, hitting an animal, or falling objects. It can also pay to replace a stolen vehicle.
Allstate doesn’t officially offer a “full coverage” policy, but a driver looking to fully protect themselves with Allstate’s current policy offerings would likely have a policy that includes liability insurance (including bodily injury and property damage), collision insurance, comprehensive insurance, uninsured motorist coverage
, and personal injury protection
. This combination of coverages would protect your vehicle and bank account from paying for the other driver’s vehicle damage in a rear-end accident, to medical expenses for you in a collision.
Does full coverage really cover everything?
The short answer? Not exactly. The long answer? Despite the myriad of different types of insurance coverage that Allstate describes, when combined, as full coverage, Allstate still provides many different types of coverage that you should consider purchasing on top of this combination.
The basic difference between liability-only and full coverage is that liability-only coverage will only protect you from the financial burden of repairs and medical bills for those injured in accidents you’re at fault for, while full coverage policies provide financial protection for your own vehicle as well. This key difference is the reason why vehicle lenders require their loaners to purchase full coverage insurance—they want to protect their investment!
On top of purchasing a full-coverage policy, here are other types of Allstate car insurance coverage you should consider adding to your policy to cover any potential gaps and stay protected as possible on the road:
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| Allstate’s emergency roadside coverage is a cost-effective way to cover tire changes, towing, lockouts, jump-starts, and fuel delivery. |
| Allstate’s medical payments coverage helps cover medical bills for injuries incurred through auto accidents, no matter the fault. It can also cover injuries sustained by family members if they're in an accident in a different car or even as a pedestrian in a car accident. |
| Allstate’s Personal Umbrella Policy is a unique insurance policy which provides extra liability coverage for particularly devastating liability claims or judgments. This kind of insurance kicks in where your other underlying coverage limits are reached and helps cover everything from legal fees to lost wages due to appearances in court. It is available for you and immediate family, anywhere in the world. |
| Allstate’s rental reimbursement coverage can help pay for car rental fees while your car is in the shop getting repaired. Rental cars can be expensive, so this type of insurance offsets the total cost of your car repair. |
| Allstate’s rideshare coverage insures drivers who work for transportation network companies at an affordable rate. This plan fills gaps in your personal policy to better protect drivers in a risky job. |
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Bolster your insurance plan further by adding home and life insurance policies to your current Allstate insurance plan.
Is full coverage from Allstate worth it?
If you have a good driving record with a solid credit score, a personalized full coverage policy from Allstate is likely worth it. However, you shouldn’t make this decision without comparing between other plans from other insurance providers, who may provide better rates based on your current driving history and credit.
It’s worth keeping in mind that while full-coverage isn’t required by law in any state, most lenders require full coverage insurance for financed vehicles
. This means that if you’re financing your car, you’ll likely need full coverage anyways. Plus, the cost of purchasing a full coverage policy is usually worth the protection provided against a total loss
if you own your car outright, unless your car is only worth a few thousand dollars. Benefits of full coverage from Allstate car insurance
If you have a full coverage policy from Allstate, you’ll:
Meet the insurance requirements for financing your vehicle
Benefit from financial protection in inclement weather, dangerous urban areas, or at-fault collisions.
Be able to file a claim for a totaled vehicle
If your vehicle is valuable and you live in an area with an unpredictable climate, auto theft and vandalism, uninsured motorists, or where collisions are especially common, full coverage insurance is likely worth the cost of your policy.
Drawbacks to full coverage from Allstate car insurance
Disadvantages of purchasing a full coverage policy include:
Paying more than you would for liability-only insurance
Rising premiums after you submit a claim
You must pay a deductible
before getting coverage on a collision or comprehensive claim
Does Allstate have the best full coverage auto insurance?
It might be tempting to discern whether Allstate has the best, or even a significantly better, full coverage insurance policy than its competitors. Nonetheless, Allstate’s full coverage policy isn’t much different from any other insurance provider’s offerings.
While the coverage itself isn’t all that unique, it’s Allstate’s auto insurance rates that will make or break its full coverage insurance policy for you. Each insurance company uses a unique combination of calculations to establish rates for policyholders based on factors such as age, gender, location, credit score, driving record, marital status, and other relevant factors. If your profile is amenable to Allstate’s algorithm, like showing that you have a clean driving record
and good credit, you could find the best rate on full coverage insurance with this provider. It’s also possible that you’ll find the best full-coverage policy rates from a different insurance company, such as State Farm
, GEICO
, or Nationwide
might offer you even better rates based on their unique algorithms and your profile. For example, drivers with poor credit score will likely end up paying higher-than-usual rates with Allstate. The best way to find out whether an Allstate full coverage policy is the best option for you is by comparing Allstate’s policy with three to five quotes from other insurance providers. You’ll be able to access quotes from Allstate by using Allstate’s online quote generation service or use a mobile broker to compare real-time insurance premiums from multiple companies.
The bottom line
Allstate offers a wide range of different coverage types to personalize your full-coverage plan to your needs and lifestyle. A clean record and good credit score will earn you the best rates on a full coverage policy from Allstate. Full coverage lets you submit claims on your own vehicle, and is typically worth the added financial security for most drivers.
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