Does Allstate Have a Loyalty Program?

Last Updated on March 27, 2024

Allstate does not technically offer a loyalty program, although Allstate provides multi-vehicle and multi-policy discounts to help drivers save up to 25%.

Like most insurers, Allstate does not lower premiums for drivers who have been with Allstate for an extended period. However, the company offers other perks to help loyal drivers save money – including bundling discounts.

Keep reading to find out everything you need to know about Allstate’s discounts and loyalty program.

Key Takeaways:

  1. Allstate does not offer a traditional loyalty program but provides multi-policy and multi-vehicle discounts, which can save drivers up to 25-30%.
  2. Premiums are determined by factors like location, driving history, and vehicle details rather than the duration of the policyholder’s relationship with Allstate.
  3. Despite the absence of a formal loyalty program, Allstate rewards safe drivers and longstanding policyholders with perks such as safe driving discounts, a diminishing deductible program, and potential fee waivers for consistent customers.

No, Allstate Doesn’t Have a Loyalty Program

Allstate, like most large insurers in the United States, does not offer discounts to loyal drivers.

Whether you’ve been with Allstate for 20 years or two months, you’ll generally pay the same rates.

Allstate calculates premiums based on location, driving history, vehicle value, vehicle safety ratings, and hundreds of other factors – not the length of time you’ve been with the company.

Nevertheless, Allstate customers can get rewarded in other ways:

  • Allstate offers discounts of 20% to 30% for insuring multiple vehicles with the company
  • Allstate also offers discounts of up to 25% for bundling multiple home, auto, and other insurance policies within the Allstate umbrella
  • Allstate offers safe driving discounts, and drivers with multiple years of safe driving could save 20% or more
  • Allstate has a diminishing deductible program, where your deductible drops by $100 for each year of safe driving

Allstate also offers programs like Drivewise. Allstate uses a mobile app to track your driving habits, then provides you with a customized, low rate based on your specific habits.

How Allstate Bundling Discounts Work

Allstate doesn’t technically offer a loyalty program. However, if you have multiple policies with Allstate, then you could save money via bundling discounts.

Allstate’s bundling discounts include:

You may qualify for bundling discounts just by living at the same address as another Allstate policyholder. The more policies you combine within an Allstate account, the more you can save per policy.

Other Allstate Loyalty Perks & Discounts

Allstate does not offer a loyalty program. However, Allstate can see how long you’ve been a customer, and they may offer certain perks and discounts to loyal customers.

Although Allstate has no official loyalty program in place, Allstate may be willing to work hard to retain a loyal customer.

Let’s say you’ve been with Allstate for 20 years and were always on-time with premium payments. Then, you miss a payment and get charged a fee. In this situation, Allstate may be willing to waive the fee to retain you as a policyholder – even though there’s no official loyalty program in place.

Ultimately, Allstate treats policyholders the same whether you’ve been with the company for one year or 20 years. However, longstanding Allstate policyholders may find small customer service perks as a reward for staying with the company.

Allstate Rewards Safe Drivers

If you have three or more years of safe, accident-free, claims-free driving experience with Allstate, then you could save money.

In fact, Allstate adds their “Safe Driving Bonus” perk to your policy for every six months you’re accident-free. The longer you go without an accident, the more you can save.

Typically, insurers use a common database to track accidents and claims. If you leave Allstate and go to another insurer, then you should continue to qualify for their accident-free discount. This discount may be larger or smaller than the discount offered by Allstate, however.

Other Allstate Perks for Loyal Drivers

Whether you’ve been with Allstate for one decade or one year, you could qualify for other perks and bonuses, including:

  • Drivewise, which tracks driving habits using a mobile app and rewards you for safe driving. Safe drivers can save up to 30%.
  • Accident forgiveness, which can be added to your Allstate policy to remove the effects of one at-fault accident in the future. If you have accident forgiveness on your Allstate policy, then your rates will not increase after an accident.
  • Allstate’s Deductible Rewards, which reduces your deductible by $100 and lowers it another $100 for each year you’re accident free, up to $500. You must sign up for this policy before a claim to qualify for the discounted deductible.
  • New car replacement, where Allstate covers the cost of replacing your new car (instead of just reimbursing you for the value of your car) if your new car is involved in a total loss claim.
  • Roadside assistance and other perks, which can help you save money on the cost of hiring emergency personnel to your location in a roadside incident (say, for flat tire changes, fuel delivery, or other incidents).

Allstate drivers qualify for these perks regardless of how long they’ve been with the company. However, certain perks – including the Deductible Rewards – accrue in value the longer you remain with Allstate.

Final Word

Allstate does not officially offer any type of loyalty program. However, drivers who have multiple insurance policies or insure multiple vehicles with Allstate could save up to 30%.

Additionally, Allstate offers safe driving discounts, diminishing deductible programs, and other perks that increase in value the longer you remain with the company. Although not official loyalty programs, these programs could make it cheaper to stick with Allstate.

James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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