Allstate Car Insurance Canada: Our 2025 Review & Verdict
Our expert's review on Allstate
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
Score- ✅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
- ✅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
Score- ✅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
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Every year at HelloSafe, our experts analyze the general terms and conditions and rates of insurance contracts on the market to provide you with a reliable and impartial analysis. Over a million users now trust us every month to help them with their most important financial decisions.
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 name | Standard Plan | Enhanced Plan (with Optional Coverages) |
|---|---|---|
| Formula positioning | Base legal/physical | Comprehensive package with enhancements |
| Type of cover | Third-party, optional collision/comprehensive | Third-party, collision, comprehensive, specialty add-ons |
| Reimbursement rate (% of damages covered) | Up to coverage limit | Up to coverage limit |
| Annual reimbursement ceiling (maximum amount reimbursed per year) | Numeric limit on Declarations Page | Numeric limit on Declarations Page |
| Policy excess (per claim and/or annually) | Shown on Declarations; typically $500 for collision | Can be reduced/modified by option (e.g., diminishing deductible) |
| Waiting period (before certain guarantees take effect) | None, unless specified | None, unless specified |
| Minimum/maximum age for subscription | N.C. | N.C. |
| Prior risk assessment (medical questionnaire, telematics, driving history) | Driving record required | Driving record required |
| Payment facilities (monthly, quarterly, annual payments) | Monthly, quarterly, annual payment options | Monthly, quarterly, annual payment options |
| Advance payment of claim-related costs | N.C. | N.C. |
| Compensation at purchase value/agreed value/replacement value | Replacement 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 vandalism | Optional, 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 reimbursement | Optional rental reimbursement |
| Towing and roadside assistance (including out-of-charge recovery for EVs) | Optional roadside/towing | Optional 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 cover | Coverage for trailers as declared | Coverage for trailers as declared |
*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.*
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.
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.
| Exclusions | Details |
|---|---|
| Exclusions linked to the use of the vehicle | 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 | 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 | 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 | Damage resulting from war, invasion, rebellion, or radioactive contamination |
| Contractual and policy-specific exclusions | Owned but uninsured vehiclesLoss or damage in course of illegal activities |
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 formula | Standard formula | Enhanced 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 | $173/month |
For the best value, compare several auto insurance quotes to ensure you are paying for the coverage that's right for your needs:
Compare the best car insurance plans for free!Start comparingAllstate Car Insurance Discount Codes
| Promotional codes Allstate | Details |
|---|---|
| HelloSafe | -5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
How Much Does Allstate Reimburse?
| Claim or service | Average price (CA$) | Basic (Liability Only) | Standard (Collision + Comprehensive) | Enhanced (All Perils/Rental/Extras) |
|---|---|---|---|---|
| Replacement after theft (full loss) | $22,000 | ❌ | Up 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 | $4,200 | ❌ | Up to $4,200 (excluding excess) Out-of-pocket: $500–$1,000+ | Up to $4,200 (excluding excess) Out-of-pocket: $300–$500+ |
| Windshield replacement | $700 | ❌ | Up 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) | $650 | ❌ | Up to $600 (excluding excess, daily limits apply) Out-of-pocket: $50+ | Up to $900 (excluding excess) Out-of-pocket: $0–$50+ |
| Towing after accident | $200 | ❌ | Up to $200 Out-of-pocket: $0 | Up to $200 Out-of-pocket: $0 |
Out-of-pocket: $500–$1,000+
Out-of-pocket: $300–$500+
Out-of-pocket: $500–$1,000+
Out-of-pocket: $300–$500+
Out-of-pocket: $300–$500+
Out-of-pocket: $100–$300+
Out-of-pocket: $50+
Out-of-pocket: $0–$50+
Out-of-pocket: $0
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 Allstate | Availability | Details |
|---|---|---|
| 24/7 roadside breakdown assistance | ✅ | Optional Roadside Coverage pays for labour at the place of disablement and towing. |
| Towing to repair facility / Extended towing | ✅ | Included 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 vehicle | ✅ | Rental Reimbursement covers rental vehicle when car is repaired after covered claim. Ceiling applies. |
| Alternative transport or accommodation | ✅ | Up to $10/day (max $300) for transportation if car is stolen. Option to increase with rental add-on. |
| Vehicle repatriation | ❌ | N.C. |
| Assistance abroad | ❌ | N.C. |
| Assistance for electric vehicles | ❌ | N.C. |
| Battery assistance & fuel misfuelling | ✅ | Labour performed at the breakdown spot may include battery or minor fuel-related fixes. Limits apply. |
| Legal assistance after an accident | ✅ | Allstate provides a legal defence after a covered claim. No separate legal assistance service. |
| Assistance for animals on board | ❌ | N.C. |
| Key recovery & lock replacement | ❌ | N.C. |
Limits per incident apply.
Subject to the same limits.
Ceiling applies.
Option to increase with rental add-on.
Limits apply.
No separate legal assistance service.
Customer Reviews of Allstate Car Insurance
| Review site | Rating and number of reviews |
|---|---|
| Trustpilot | 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 Allstate | Contact information |
|---|---|
| To obtain a quote or take out a policy online | 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 | 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 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 | 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 | 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 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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