Allstate Car Insurance Canada: Our 2025 Review & Verdict

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Our expert's review on Allstate

Last update: July 23, 2025
AllstateAllstate
3.0
hellosafe-logoScore
Daniel Clarke
Daniel Clarke
Personal finance expert

Allstate car insurance is built on multiple policy tiers, offering customizable coverage with specific reimbursement ceilings, such as up to $300 for bail bonds and up to $100 per day for lost wages. Compared to the market, Allstate focuses on providing a comprehensive suite of optional coverages rather than positioning itself on price alone.

This insurance is particularly suitable for drivers with diverse profiles, including young motorists with or without minor infractions and drivers with a past at-fault accident.

Allstate's service reliability is a major consideration, reflected in its Trustpilot score of 1.2 out of 5 from over 680 reviews, with customer reports frequently citing an exceptionally long and difficult claims and reimbursement process.

  • Optional Roadside Coverage and towing
  • Bail bond reimbursement up to $300
  • Lost wages reimbursement up to $100/day
  • Diminishing Deductible Collision option
  • Coverage for custom sound systems and electronics
  • First aid expenses for others covered
  • Multiple policy tiers for customization
  • Extremely low customer service rating (1.2/5 on Trustpilot)
  • Reports of exceptionally long and difficult claims handling
  • Strict commercial use and ride-sharing exclusion
  • Potential non-coverage for unlisted household drivers
  • Tire damage only covered with another simultaneous loss
AllstateAllstate
3.0
hellosafe-logoScore
  • Optional Roadside Coverage and towing
  • Bail bond reimbursement up to $300
  • Lost wages reimbursement up to $100/day
  • Diminishing Deductible Collision option
  • Coverage for custom sound systems and electronics
  • First aid expenses for others covered
  • Multiple policy tiers for customization

Our expert's review on Allstate

Last update: July 23, 2025
Daniel Clarke
Daniel Clarke
Personal finance expert
  • Optional Roadside Coverage and towing
  • Bail bond reimbursement up to $300
  • Lost wages reimbursement up to $100/day
  • Diminishing Deductible Collision option
  • Coverage for custom sound systems and electronics
  • First aid expenses for others covered
  • Multiple policy tiers for customization
  • Extremely low customer service rating (1.2/5 on Trustpilot)
  • Reports of exceptionally long and difficult claims handling
  • Strict commercial use and ride-sharing exclusion
  • Potential non-coverage for unlisted household drivers
  • Tire damage only covered with another simultaneous loss
AllstateAllstate
3.0
hellosafe-logoScore
  • Optional Roadside Coverage and towing
  • Bail bond reimbursement up to $300
  • Lost wages reimbursement up to $100/day
  • Diminishing Deductible Collision option
  • Coverage for custom sound systems and electronics
  • First aid expenses for others covered
  • Multiple policy tiers for customization
Allstate car insurance is built on multiple policy tiers, offering customizable coverage with specific reimbursement ceilings, such as up to $300 for bail bonds and up to $100 per day for lost wages. Compared to the market, Allstate focuses on providing a comprehensive suite of optional coverages rather than positioning itself on price alone. This insurance is particularly suitable for drivers with diverse profiles, including young motorists with or without minor infractions and drivers with a past at-fault accident. Allstate's service reliability is a major consideration, reflected in its Trustpilot score of 1.2 out of 5 from over 680 reviews, with customer reports frequently citing an exceptionally long and difficult claims and reimbursement process.
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Allstate Car Insurance Guarantees

Allstate offers a comprehensive range of auto insurance packages in Canada, generally structured around standard third-party liability, optional medical and accidental death benefits, and a suite of physical damage protections including collision and comprehensive. Medical payments and funeral benefits have clear, defined limits, while optional add-ons like diminishing deductible collision or car rental reimbursement cater to more specialized needs.

The advantages of Allstate's plans include strong legal support, varied physical damage cover, and targeted extras (such as sound system and roadside), which aligns well with local market standards for breadth of coverage.

However, contract limitations such as exclusions for commercial use, unlisted drivers, and certain vehicle uses may restrict flexibility for some consumers by comparison to other market offerings.

Allstate’s plans are competitive for drivers seeking a wide range of add-ons but may require scrutiny for customers with more specialized insurance requirements.

Warranty nameStandard PlanEnhanced Plan (with Optional Coverages)
Formula positioningBase legal/physicalComprehensive package with enhancements
Type of coverThird-party, optional collision/comprehensiveThird-party, collision, comprehensive, specialty add-ons
Reimbursement rate (% of damages covered)Up to coverage limitUp to coverage limit
Annual reimbursement ceiling (maximum amount reimbursed per year)Numeric limit on Declarations PageNumeric limit on Declarations Page
Policy excess (per claim and/or annually)Shown on Declarations; typically $500 for collisionCan be reduced/modified by option (e.g., diminishing deductible)
Waiting period (before certain guarantees take effect)None, unless specifiedNone, unless specified
Minimum/maximum age for subscriptionN.C.N.C.
Prior risk assessment (medical questionnaire, telematics, driving history)Driving record requiredDriving record required
Payment facilities (monthly, quarterly, annual payments)Monthly, quarterly, annual payment optionsMonthly, quarterly, annual payment options
Advance payment of claim-related costsN.C.N.C.
Compensation at purchase value/agreed value/replacement valueReplacement value possible for new vehicles (per contract)Replacement value possible for new vehicles (per contract)
Third-party liability (bodily injury and property damage to others)✅ Up to $2M, legal defence included✅ Up to $2M, legal defence included
Own vehicle damage (collision, regardless of fault)Optional, coverage limit per contract✅ With diminishing deductible option
Theft of vehicle (partial or total)Optional, comprehensive section✅ Included in comprehensive
Fire (accidental or criminal)Optional, comprehensive section✅ Included in comprehensive
Broken glass (windscreen, windows, sunroof)Optional, comprehensive covers glass✅ Included in comprehensive
Natural disasters (hail, flood, storm, etc.)Optional, part of comprehensive✅ Included in comprehensive
Acts of vandalismOptional, part of comprehensive✅ Included in comprehensive
All-risks damage (accidents of any cause, including at-fault)Optional with both collision and comprehensive✅ Included when both optional covers selected
Driver personal injury cover (death, disability, medical expenses)Optional, limit per contract✅ Medical, disability, death covers (limits vary)
Passenger injury cover✅ If medical coverage purchased✅ If medical coverage purchased
Criminal defence and recourse (basic legal aid after an accident)✅ Legal defence included✅ Legal defence included
Extended legal protection (for disputes beyond accidents, e.g. purchase, repairs)
Vehicle accessories and modifications (including electric vehicle batteries and cables)Optional, sound system and electronics cover by add-on✅ If declared/endorsed
Personal belongings inside the vehicle (excluding cash and documents)Up to $200 for clothing/luggage (collision/theft)Up to $200 for clothing/luggage (collision/theft)
Child equipment (seats, pushchairs)N.C.N.C.
Replacement vehicle (during repairs or after total loss)Optional rental reimbursementOptional rental reimbursement
Towing and roadside assistance (including out-of-charge recovery for EVs)Optional roadside/towingOptional roadside/towing
Use abroad (compliance with minimum local cover; optional full cover abroad)N.C.N.C.
Vehicle use for professional/business purposes (where applicable)❌ Excludes commercial/professional unless rideshare/carpool❌ Excludes commercial/professional unless rideshare/carpool
Driving other vehicles (third-party only or comprehensive, depending on the insurer)N.C.N.C.
Trailer or caravan towing coverCoverage for trailers as declaredCoverage for trailers as declared
Comparison of Standard and Enhanced Warranty Plans
Formula positioning
Standard Plan
Base legal/physical
Enhanced Plan (with Optional Coverages)
Comprehensive package with enhancements
Type of cover
Standard Plan
Third-party, optional collision/comprehensive
Enhanced Plan (with Optional Coverages)
Third-party, collision, comprehensive, specialty add-ons
Reimbursement rate (% of damages covered)
Standard Plan
Up to coverage limit
Enhanced Plan (with Optional Coverages)
Up to coverage limit
Annual reimbursement ceiling (maximum amount reimbursed per year)
Standard Plan
Numeric limit on Declarations Page
Enhanced Plan (with Optional Coverages)
Numeric limit on Declarations Page
Policy excess (per claim and/or annually)
Standard Plan
Shown on Declarations; typically $500 for collision
Enhanced Plan (with Optional Coverages)
Can be reduced/modified by option (e.g., diminishing deductible)
Waiting period (before certain guarantees take effect)
Standard Plan
None, unless specified
Enhanced Plan (with Optional Coverages)
None, unless specified
Minimum/maximum age for subscription
Standard Plan
N.C.
Enhanced Plan (with Optional Coverages)
N.C.
Prior risk assessment (medical questionnaire, telematics, driving history)
Standard Plan
Driving record required
Enhanced Plan (with Optional Coverages)
Driving record required
Payment facilities (monthly, quarterly, annual payments)
Standard Plan
Monthly, quarterly, annual payment options
Enhanced Plan (with Optional Coverages)
Monthly, quarterly, annual payment options
Advance payment of claim-related costs
Standard Plan
N.C.
Enhanced Plan (with Optional Coverages)
N.C.
Compensation at purchase value/agreed value/replacement value
Standard Plan
Replacement value possible for new vehicles (per contract)
Enhanced Plan (with Optional Coverages)
Replacement value possible for new vehicles (per contract)
Third-party liability (bodily injury and property damage to others)
Standard Plan
✅ Up to $2M, legal defence included
Enhanced Plan (with Optional Coverages)
✅ Up to $2M, legal defence included
Own vehicle damage (collision, regardless of fault)
Standard Plan
Optional, coverage limit per contract
Enhanced Plan (with Optional Coverages)
✅ With diminishing deductible option
Theft of vehicle (partial or total)
Standard Plan
Optional, comprehensive section
Enhanced Plan (with Optional Coverages)
✅ Included in comprehensive
Fire (accidental or criminal)
Standard Plan
Optional, comprehensive section
Enhanced Plan (with Optional Coverages)
✅ Included in comprehensive
Broken glass (windscreen, windows, sunroof)
Standard Plan
Optional, comprehensive covers glass
Enhanced Plan (with Optional Coverages)
✅ Included in comprehensive
Natural disasters (hail, flood, storm, etc.)
Standard Plan
Optional, part of comprehensive
Enhanced Plan (with Optional Coverages)
✅ Included in comprehensive
Acts of vandalism
Standard Plan
Optional, part of comprehensive
Enhanced Plan (with Optional Coverages)
✅ Included in comprehensive
All-risks damage (accidents of any cause, including at-fault)
Standard Plan
Optional with both collision and comprehensive
Enhanced Plan (with Optional Coverages)
✅ Included when both optional covers selected
Driver personal injury cover (death, disability, medical expenses)
Standard Plan
Optional, limit per contract
Enhanced Plan (with Optional Coverages)
✅ Medical, disability, death covers (limits vary)
Passenger injury cover
Standard Plan
✅ If medical coverage purchased
Enhanced Plan (with Optional Coverages)
✅ If medical coverage purchased
Criminal defence and recourse (basic legal aid after an accident)
Standard Plan
✅ Legal defence included
Enhanced Plan (with Optional Coverages)
✅ Legal defence included
Extended legal protection (for disputes beyond accidents, e.g. purchase, repairs)
Standard Plan
Enhanced Plan (with Optional Coverages)
Vehicle accessories and modifications (including electric vehicle batteries and cables)
Standard Plan
Optional, sound system and electronics cover by add-on
Enhanced Plan (with Optional Coverages)
✅ If declared/endorsed
Personal belongings inside the vehicle (excluding cash and documents)
Standard Plan
Up to $200 for clothing/luggage (collision/theft)
Enhanced Plan (with Optional Coverages)
Up to $200 for clothing/luggage (collision/theft)
Child equipment (seats, pushchairs)
Standard Plan
N.C.
Enhanced Plan (with Optional Coverages)
N.C.
Replacement vehicle (during repairs or after total loss)
Standard Plan
Optional rental reimbursement
Enhanced Plan (with Optional Coverages)
Optional rental reimbursement
Towing and roadside assistance (including out-of-charge recovery for EVs)
Standard Plan
Optional roadside/towing
Enhanced Plan (with Optional Coverages)
Optional roadside/towing
Use abroad (compliance with minimum local cover; optional full cover abroad)
Standard Plan
N.C.
Enhanced Plan (with Optional Coverages)
N.C.
Vehicle use for professional/business purposes (where applicable)
Standard Plan
❌ Excludes commercial/professional unless rideshare/carpool
Enhanced Plan (with Optional Coverages)
❌ Excludes commercial/professional unless rideshare/carpool
Driving other vehicles (third-party only or comprehensive, depending on the insurer)
Standard Plan
N.C.
Enhanced Plan (with Optional Coverages)
N.C.
Trailer or caravan towing cover
Standard Plan
Coverage for trailers as declared
Enhanced Plan (with Optional Coverages)
Coverage for trailers as declared
Comparison of Standard and Enhanced Warranty Plans

*Coverage must be elected and premium shown on the Declarations Page for it to apply. Coverage limits, deductibles, and reimbursement rates are subject to the policy wording. ‘N.C.’ = Not communicated.*

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Good to know

Allstate offers optional roadside assistance and rental reimbursement, supports online and phone claims management, and specifies coverage expiry terms for each benefit. Paperless claims and documentation are available, and policyholders may access dedicated toll-free support. Limits and exclusions should be reviewed, as cover for items such as child seats or non-factory modifications requires explicit declaration or endorsement.

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Allstate Car Insurance Exclusions

Allstate systematically excludes coverage for vehicles used to carry persons or property for a fee, such as taxis and delivery services, unless expressly endorsed. Losses resulting from intentional or criminal acts by the insured, participation in organized racing or speed contests, and damage during auto business operations (repairing, servicing, or selling vehicles) are also not covered.

Uniquely, Allstate’s exclusion regarding unlisted household drivers means that collision losses will not be covered if the operator is a licensed household member not listed on the policy, which is stricter than many competitors. Damage due to wear and tear, freezing, or mechanical and electrical breakdowns is excluded unless stemming from another insured event. Damage from war, nuclear hazards, and using an uninsured, owned vehicle is similarly not indemnified.

ExclusionsDetails
Exclusions linked to the use of the vehicleCarrying persons/property for a fee (e.g., taxi, rideshare, delivery)Participation in prearranged or organized races or speed contestsUse in auto business operations such as repairing, servicing, parking, or selling autos
Exclusions linked to the driverDamage caused by intentional or criminal actsCollision losses when operated by an unlisted licensed household driverBodily injury to employees (except domestic workers not covered by workers’ comp)Driving uninsured, owned vehicles not listed on the policy
Technical and mechanical exclusionsNormal wear and tear, freezing, or mechanical/electrical breakdowns (unless from another insured event)Damage to tires (unless fire, vandalism, or from a covered claim)
Geographical exclusionsDamage resulting from war, invasion, rebellion, or radioactive contamination
Contractual and policy-specific exclusionsOwned but uninsured vehiclesLoss or damage in course of illegal activities
A breakdown of common auto insurance exclusions and their details.
Exclusions linked to the use of the vehicle
Details
Carrying persons/property for a fee (e.g., taxi, rideshare, delivery)Participation in prearranged or organized races or speed contestsUse in auto business operations such as repairing, servicing, parking, or selling autos
Exclusions linked to the driver
Details
Damage caused by intentional or criminal actsCollision losses when operated by an unlisted licensed household driverBodily injury to employees (except domestic workers not covered by workers’ comp)Driving uninsured, owned vehicles not listed on the policy
Technical and mechanical exclusions
Details
Normal wear and tear, freezing, or mechanical/electrical breakdowns (unless from another insured event)Damage to tires (unless fire, vandalism, or from a covered claim)
Geographical exclusions
Details
Damage resulting from war, invasion, rebellion, or radioactive contamination
Contractual and policy-specific exclusions
Details
Owned but uninsured vehiclesLoss or damage in course of illegal activities
A breakdown of common auto insurance exclusions and their details.

The cost of Allstate car insurance

Allstate holds a mid-range position in the Canadian auto insurance market, balancing a comprehensive suite of protections with pricing that reflects its traditional full-service approach. Reimbursements for claims are typically strong and the default car insurance deductibles are moderate, explaining a cost structure that is neither among the lowest nor the highest in the sector.

Unlike pure digital players that often undercut on car insurance price thanks to automation, Allstate’s network of brokers and agents adds value but leads to marginally higher administrative expenses. Its formulas are highly configurable, providing solid coverage for liability, physical damage, and accident benefits, but the most advanced protections or premium services (such as high-value vehicle replacement, flexible deductible waivers, or personal items coverage) usually incur extra costs.

This positions Allstate favourably for drivers seeking a reputable brand and balanced credit/benefit, though budget-conscious or fully digital profiles may find lower rates with providers who focus exclusively online.

Essential formulaStandard formulaEnhanced formula
Young driver (18-24 years old, compact vehicle)$140/month$165/month$195/month
Standard driver (35-45 years, intermediate vehicle)$92/month$108/month$130/month
Senior driver (60-70 years, city car)$78/month$93/month$112/month
Driver with an at-fault claim within 3 years$158/month$192/month$228/month
New SUV driver$112/month$134/month$158/month
Driver with more than 25,000km/year$129/month$149/month$173/month
Examples of car insurance premiums according to different profiles.
Young driver (18-24 years old, compact vehicle)
Essential formula
$140/month
Standard formula
$165/month
Enhanced formula
$195/month
Standard driver (35-45 years, intermediate vehicle)
Essential formula
$92/month
Standard formula
$108/month
Enhanced formula
$130/month
Senior driver (60-70 years, city car)
Essential formula
$78/month
Standard formula
$93/month
Enhanced formula
$112/month
Driver with an at-fault claim within 3 years
Essential formula
$158/month
Standard formula
$192/month
Enhanced formula
$228/month
New SUV driver
Essential formula
$112/month
Standard formula
$134/month
Enhanced formula
$158/month
Driver with more than 25,000km/year
Essential formula
$129/month
Standard formula
$149/month
Enhanced formula
$173/month
Examples of car insurance premiums according to different profiles.

For the best value, compare several auto insurance quotes to ensure you are paying for the coverage that's right for your needs:

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Allstate Car Insurance Discount Codes

Promotional codes AllstateDetails
HelloSafe-5% on your quote
HelloSafe
Details
-5% on your quote

Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.

How Much Does Allstate Reimburse?

Claim or serviceAverage price (CA$)Basic (Liability Only)Standard (Collision + Comprehensive)Enhanced (All Perils/Rental/Extras)
Replacement after theft (full loss)$22,000Up to $22,000 (excluding excess)
Out-of-pocket: $500–$1,000+
Up to $22,000 (excluding excess)
Out-of-pocket: $300–$500+
Repair after at-fault accident$4,200Up to $4,200 (excluding excess)
Out-of-pocket: $500–$1,000+
Up to $4,200 (excluding excess)
Out-of-pocket: $300–$500+
Windshield replacement$700Up to $700 (excluding excess)
Out-of-pocket: $300–$500+
Up to $700 (excluding excess)
Out-of-pocket: $100–$300+
Rental vehicle during repairs (per 14d)$650Up to $600 (excluding excess, daily limits apply)
Out-of-pocket: $50+
Up to $900 (excluding excess)
Out-of-pocket: $0–$50+
Towing after accident$200Up to $200
Out-of-pocket: $0
Up to $200
Out-of-pocket: $0
Replacement after theft (full loss)
Average price (CA$)
$22,000
Basic (Liability Only)
Standard (Collision + Comprehensive)
Up to $22,000 (excluding excess)
Out-of-pocket: $500–$1,000+
Enhanced (All Perils/Rental/Extras)
Up to $22,000 (excluding excess)
Out-of-pocket: $300–$500+
Repair after at-fault accident
Average price (CA$)
$4,200
Basic (Liability Only)
Standard (Collision + Comprehensive)
Up to $4,200 (excluding excess)
Out-of-pocket: $500–$1,000+
Enhanced (All Perils/Rental/Extras)
Up to $4,200 (excluding excess)
Out-of-pocket: $300–$500+
Windshield replacement
Average price (CA$)
$700
Basic (Liability Only)
Standard (Collision + Comprehensive)
Up to $700 (excluding excess)
Out-of-pocket: $300–$500+
Enhanced (All Perils/Rental/Extras)
Up to $700 (excluding excess)
Out-of-pocket: $100–$300+
Rental vehicle during repairs (per 14d)
Average price (CA$)
$650
Basic (Liability Only)
Standard (Collision + Comprehensive)
Up to $600 (excluding excess, daily limits apply)
Out-of-pocket: $50+
Enhanced (All Perils/Rental/Extras)
Up to $900 (excluding excess)
Out-of-pocket: $0–$50+
Towing after accident
Average price (CA$)
$200
Basic (Liability Only)
Standard (Collision + Comprehensive)
Up to $200
Out-of-pocket: $0
Enhanced (All Perils/Rental/Extras)
Up to $200
Out-of-pocket: $0

Allstate Car Insurance Assistance

Allstate car insurance distinguishes itself by offering optional roadside coverage that pays for both towing and labour directly at the breakdown location, but only when added to your policy.

A replacement vehicle is provided under the rental reimbursement option, but only if your car is being repaired after a covered collision or comprehensive claim, not for ordinary breakdowns or maintenance.

Alternative transport costs are reimbursed only in the event the entire vehicle is stolen, and even then, coverage is limited in both amount and duration.

Notably, support for lost keys, assistance for animals on board, or tailored help for electric vehicles is not provided, nor is coverage for incidents occurring abroad or repatriation of the vehicle.

Drivers should examine their declarations page carefully to confirm which assistance options are active, as most are only included when specifically selected.

Support AllstateAvailabilityDetails
24/7 roadside breakdown assistanceOptional Roadside Coverage pays for labour at the place of disablement and towing.
Towing to repair facility / Extended towingIncluded with Roadside Coverage.
Limits per incident apply.
Assistance from home (0 km)Roadside Coverage applies whether at home or roadside.
Subject to the same limits.
Replacement vehicleRental Reimbursement covers rental vehicle when car is repaired after covered claim.
Ceiling applies.
Alternative transport or accommodationUp to $10/day (max $300) for transportation if car is stolen.
Option to increase with rental add-on.
Vehicle repatriationN.C.
Assistance abroadN.C.
Assistance for electric vehiclesN.C.
Battery assistance & fuel misfuellingLabour performed at the breakdown spot may include battery or minor fuel-related fixes.
Limits apply.
Legal assistance after an accidentAllstate provides a legal defence after a covered claim.
No separate legal assistance service.
Assistance for animals on boardN.C.
Key recovery & lock replacementN.C.
24/7 roadside breakdown assistance
Availability
Details
Optional Roadside Coverage pays for labour at the place of disablement and towing.
Towing to repair facility / Extended towing
Availability
Details
Included with Roadside Coverage.
Limits per incident apply.
Assistance from home (0 km)
Availability
Details
Roadside Coverage applies whether at home or roadside.
Subject to the same limits.
Replacement vehicle
Availability
Details
Rental Reimbursement covers rental vehicle when car is repaired after covered claim.
Ceiling applies.
Alternative transport or accommodation
Availability
Details
Up to $10/day (max $300) for transportation if car is stolen.
Option to increase with rental add-on.
Vehicle repatriation
Availability
Details
N.C.
Assistance abroad
Availability
Details
N.C.
Assistance for electric vehicles
Availability
Details
N.C.
Battery assistance & fuel misfuelling
Availability
Details
Labour performed at the breakdown spot may include battery or minor fuel-related fixes.
Limits apply.
Legal assistance after an accident
Availability
Details
Allstate provides a legal defence after a covered claim.
No separate legal assistance service.
Assistance for animals on board
Availability
Details
N.C.
Key recovery & lock replacement
Availability
Details
N.C.

Customer Reviews of Allstate Car Insurance

Review siteRating and number of reviews
Trustpilot1.2 out of 5 (684 reviews)
Trustpilot
Rating and number of reviews
1.2 out of 5 (684 reviews)

Pros:

  • A few customers praise individual agents for professionalism, empathy, and exceptional support during difficult or stressful situations.
  • Some policyholders express gratitude when specific agents go above and beyond, making the process easier in isolated cases.

Cons:

  • The vast majority of customers report poor customer service, with long wait times and unresponsive communication from agents and management.
  • Many clients describe the claims process as frustrating, slow, and difficult, with claims sometimes taking months and involving low-ball estimates or wrongful denials.
  • Billing and policy management issues are frequently cited, including unexpected premium increases, payment handling errors, and a challenging or slow car insurance cancellation process.
  • Numerous reviewers mention a lack of follow-up from Allstate, even after escalation to higher levels of management.
  • Some customers allege misleading sales practices, including low initial quotes that are substantially increased later, contributing to a sense of mistrust.

How to Contact Allstate?

Customer service AllstateContact information
To obtain a quote or take out a policy onlineYou can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote. Alternatively, call 1-800-ALLSTATE (1-800-255-7828).
To report a claimCall 1-800-ALLSTATE (1-800-255-7828) 24/7, submit your claim online or contact your local Allstate agent. For written claims, mail documents to Allstate Insurance Company of Canada, 27 Allstate Pkwy, Suite 100, Markham, ON L3R 5P8.
To request and track a refundContact your Allstate agent directly, call 1-800-ALLSTATE (1-800-255-7828). Refunds are typically issued by cheque or to the original payment method within 10–14 business days after approval, depending on claim type and documentation.
To obtain an insurance certificateCall 1-800-ALLSTATE (1-800-255-7828), email allstate@allstate.ca, or request a digital or paper certificate via your Allstate online account. Certificates can also be picked up at your local Allstate agency.
To contact assistanceFor general assistance or roadside help (if included with your coverage), call 1-800-ALLSTATE (1-800-255-7828) at any time or email allstate@allstate.ca.
To cancel my contractContact your Allstate agent, call 1-800-ALLSTATE (1-800-255-7828), or email allstate@allstate.ca. You will need to provide written notice, your policy number, and a signature. The standard notice period is 14–30 days prior to cancellation; additional documents such as proof of new insurance may be required, and all requests can also be mailed to Allstate Insurance Company of Canada, 27 Allstate Pkwy, Suite 100, Markham, ON L3R 5P8.
To obtain a quote or take out a policy online
Contact information
You can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote. Alternatively, call 1-800-ALLSTATE (1-800-255-7828).
To report a claim
Contact information
Call 1-800-ALLSTATE (1-800-255-7828) 24/7, submit your claim online or contact your local Allstate agent. For written claims, mail documents to Allstate Insurance Company of Canada, 27 Allstate Pkwy, Suite 100, Markham, ON L3R 5P8.
To request and track a refund
Contact information
Contact your Allstate agent directly, call 1-800-ALLSTATE (1-800-255-7828). Refunds are typically issued by cheque or to the original payment method within 10–14 business days after approval, depending on claim type and documentation.
To obtain an insurance certificate
Contact information
Call 1-800-ALLSTATE (1-800-255-7828), email allstate@allstate.ca, or request a digital or paper certificate via your Allstate online account. Certificates can also be picked up at your local Allstate agency.
To contact assistance
Contact information
For general assistance or roadside help (if included with your coverage), call 1-800-ALLSTATE (1-800-255-7828) at any time or email allstate@allstate.ca.
To cancel my contract
Contact information
Contact your Allstate agent, call 1-800-ALLSTATE (1-800-255-7828), or email allstate@allstate.ca. You will need to provide written notice, your policy number, and a signature. The standard notice period is 14–30 days prior to cancellation; additional documents such as proof of new insurance may be required, and all requests can also be mailed to Allstate Insurance Company of Canada, 27 Allstate Pkwy, Suite 100, Markham, ON L3R 5P8.

FAQ

Do I have to pay in advance for repairs or assistance with Allstate?

Allstate usually pays approved repair shops and towing providers directly, so you do not have to pay in advance for most covered repairs or assistance. If you use a non-partner provider, you may need to pay upfront and then submit your receipt for reimbursement according to your policy conditions.

How do I cancel my car insurance contract with Allstate?

To cancel your car insurance, contact your Allstate agent or call 1-800-255-7828, provide written notice (generally at least 30 days in advance), and include your policy number and a signed cancellation request; proof of new insurance may be required if you still own the vehicle.

What types of coverage can I get with Allstate car insurance?

Allstate offers a range of mandatory and optional coverages, including liability, accident benefits, collision, comprehensive, uninsured motorist, medical payments, roadside assistance, rental reimbursement, and more. Coverage options may vary by province and vehicle type, so it's best to review your policy and speak with an agent for personalized details.

How do I file and track a claim with Allstate?

You can file a claim by calling 1-800-255-7828, submitting online via allstate.ca, or by contacting your local Allstate agent. Once your claim is reported, you’ll be assigned a claims advisor who will guide you through the next steps. Claims can often be tracked online, and you’ll be updated throughout the process until the claim is settled.

Are there discounts available with Allstate car insurance?

Yes, Allstate provides discounts for bundling auto with home or tenants insurance, having multiple vehicles insured, maintaining a claims-free record, being a good student, installing anti-theft devices, and more. The discounts you are eligible for depend on your personal profile and the province in which you live.

Can I get roadside assistance with my Allstate car insurance?

Roadside assistance is available as an optional add-on for Allstate policies, and covers towing, battery boosts, lockout service, fuel delivery, and tire changes. Check your declarations page or speak with your agent to confirm if you are enrolled and for details on coverage limits.

Do I have to pay in advance for repairs or assistance with Allstate?

Allstate usually pays approved repair shops and towing providers directly, so you do not have to pay in advance for most covered repairs or assistance. If you use a non-partner provider, you may need to pay upfront and then submit your receipt for reimbursement according to your policy conditions.

How do I cancel my car insurance contract with Allstate?

To cancel your car insurance, contact your Allstate agent or call 1-800-255-7828, provide written notice (generally at least 30 days in advance), and include your policy number and a signed cancellation request; proof of new insurance may be required if you still own the vehicle.

What types of coverage can I get with Allstate car insurance?

Allstate offers a range of mandatory and optional coverages, including liability, accident benefits, collision, comprehensive, uninsured motorist, medical payments, roadside assistance, rental reimbursement, and more. Coverage options may vary by province and vehicle type, so it's best to review your policy and speak with an agent for personalized details.

How do I file and track a claim with Allstate?

You can file a claim by calling 1-800-255-7828, submitting online via allstate.ca, or by contacting your local Allstate agent. Once your claim is reported, you’ll be assigned a claims advisor who will guide you through the next steps. Claims can often be tracked online, and you’ll be updated throughout the process until the claim is settled.

Are there discounts available with Allstate car insurance?

Yes, Allstate provides discounts for bundling auto with home or tenants insurance, having multiple vehicles insured, maintaining a claims-free record, being a good student, installing anti-theft devices, and more. The discounts you are eligible for depend on your personal profile and the province in which you live.

Can I get roadside assistance with my Allstate car insurance?

Roadside assistance is available as an optional add-on for Allstate policies, and covers towing, battery boosts, lockout service, fuel delivery, and tire changes. Check your declarations page or speak with your agent to confirm if you are enrolled and for details on coverage limits.

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Daniel Clarke
Daniel Clarke
Personal finance expert
HelloSafe
Daniel is a Canadian personal finance expert passionate about making financial literacy more accessible to everyone. He holds a degree in Economics from the University of British Columbia and a Master’s in Financial Planning from York University. Before joining HelloSafe, he worked as a financial coach and content editor for a number of fintech platforms across Canada. At HelloSafe, Daniel writes clear and practical guides on insurance, credit, savings, and budgeting—always with the goal of helping readers make confident and informed money decisions.

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