Choosing the right car insurance coverage
Buying car insurance is about more than knowing you have the right coverage. It’s about being able to drive worry-free. That’s why Allstate offers a wide range of competitive car insurance options for every stage of life.
Our local Allstate agents are ready to help tailor a car insurance policy to fit your needs. Contact us today to get a free personalized car insurance quote.
Car insurance coverage and policies
There’s so much to consider when buying car insurance in Canada, with each province requiring a different level of protection. It can be confusing. Allstate agents are standing by to help you create a policy that’s unique to you.
Get a free auto quote online
Get the coverage you need by starting a free, personalised car insurance quote today.
To complete your car insurance quote, you need:
- Your name, date of birth and address
- Year, make and model of your vehicle
Insuring your car with Allstate has never been easier.
By monitoring your driving habits for six months, the Drivewise app† could reward you with up to 30% off your annual premium. It is free to use and will not increase your premium. In fact, you save up to 15% simply by enrolling †
By recording your speed, time and duration of car trips as well as harsh or extreme breaking events, the Drivewise app encourages you to be a better driver.Learn more about the Drivewise® app
Quality car insurance protection can be affordable. It doesn’t have to come at a high cost. Allstate provides affordable car insurance options based on your needs. Whether you want to bundle your home and car insurance (multi-line), insure more than one vehicle (multi-vehicle), or you are just starting out on the road, Allstate may have a discount for you.
Be rewarded with a discount for being you. Allstate provides discounts based on your lifestyle, occupation and age - from student drivers to retirees.
For drivers under 25, insurance can be costly. Allstate provides a Good Student Driver Discount—this means your good grades could save you money. If you attend school over 100 km away from your postal address, you could be eligible for a discount. Newly licensed drivers could also take a recognized driver safety course to lower their premium.
But it’s not just younger drivers who can save money. Drivers over 65 years can enjoy a Retiree discount, or if you have been with Allstate for more than three years, you could take advantage of a Renewal discount.
As a safe driver, you could save up to $100 on your deductible every year you go without making a claim with Allstate’s Disappearing Deductible. Another way experienced drivers could reduce costs with safe driving habits is by signing up with Allstate’s Drivewise app
Discounts for your vehicleAllstate understands that buying a car is a huge expense. Insuring your car shouldn’t have to be. Purchasing a brand new vehicle could lower your car insurance rate, especially if your car has the latest auto safety features installed. If your car has advanced driver safety features such as Advanced Driver Assistance Systems, a park assist camera for example, you could be eligible for a discount. Additionally, keeping your vehicle safe in off-street parking or equipping it with an anti-theft device could reduce your premiums. To find out how you can save on your car insurance, go to the Allstate’s auto insurance discount page.
What are deductibles?
How do limits and deductibles impact my premium?
Does my insurance policy cover someone else who drives my car?
Will I automatically receive a replacement vehicle if my car is being repaired?
What happens if I have an accident and need to make a claim?
What does your auto insurance policy cover if personal items are stolen from your vehicle?
What is no-fault insurance?
How can I reduce my auto insurance premium?
• Keep building up your driving experience and keep a clean driving record.
• Choose a higher deductible if you are comfortable paying more out of pocket in the event that you are in an accident.
• Remove collision coverage on older vehicles if you are not concerned about having to repair or replace your vehicle.
• Combine your home and auto insurance with the same insurance company to help save more.
• Keep kilometers down and adjust how far you drive. Car pool or take public transportation when possible.
Does Allstate insure other types of vehicles like motorcycles and motorhomes?
Yes. Allstate offers insurance coverage for other vehicles including:
• Motorhomes, trailers
What type of car insurance does my newly licensed teenager need?
Do you have any tips to help me stay safe on the road?
Allstate is committed to our customers’ safety. Here are a few tips to help keep you and your vehicle safe on the road:
Tips to keep your vehicle safe:
• Regularly service your car
• Check battery and fluid levels
• Replace worn wiper blades
• Use snow tires in winter (mandatory in some provinces)
• Change oil regularly
• Inspect hoses
• Replace worn bulbs
Safe driving tips
• Never drive impaired
• Don’t talk or text while driving
• Avoid distractions like talking to drivers, changing radio stations, or searching for buttons on consoles
• Buckle up: always wear your seatbelt
• Leave a safe distance between your car and the car in front of you
• Watch out for pedestrians
• Stay visible: make sure your headlights and taillights are always working
• Check road conditions before you leave
What should I do if I get into an accident?
- Stay calm.
- Check for injuries and determine the extent of damage.
- If safe to do so, move your vehicle to the side of the road and turn on hazard lights.
- Call 911 to report the accident and any injuries; ask if police presence is required (usually it’s not required if damage is estimated to be less than $2000).
- Do not admit fault or liability.
- If police presence is not required, go to a Collision Reporting Centre (if available in your area).
- Exchange information with other driver(s) including name, phone number, driver’s license and plate number, as well as insurance information.
- Exchange contact information with any witnesses.
- Record accident details for your records (weather conditions, what each car was doing, etc.) Take photos of the scene, if possible.
- Do not discuss your insurance limits or accept monetary compensation.
- Report the accident to your insurance company as soon as possible.
How can I get an auto insurance quote?
Find the answers to some of the most frequently asked questions about accidents, your car insurance policy and coverage.
Making life's not so easy moments easier
This page contains information about coverage offered by Allstate Canada but does not list all of the conditions and exclusions which apply to the coverage described and it is not legal or insurance advice. The wording of the actual policy and local law will govern. For more information on coverage, perils, discounts and availability, please contact your local agency or 1-800-allstate.
*Rates will not be increased or surcharged if insured submits no more than one claim every 6 years.
**Not available for motorcycles or recreational vehicles. If no claims occur during a policy term, the deductible(s) on the qualifying vehicle(s) will automatically be reduced by $100 for a 12 month policy term or $50 for a 6 month policy term (to a minimum of $0) on the next policy renewal. Any vehicle to which this feature applies will be identified on the Certificate of Automobile Insurance. Where more than one vehicle is insured under this contract, this feature only applies to the vehicle(s) specifically identified. Claim Forgiveness does not protect your Disappearing Deductible.
***"Minor driving offence" refers to certain minor convictions in the Highway Traffic Act, R.S.O. 1990, c. H.8 . Rates will not be increased or surcharged if insured has no more than one minor Highway Traffic Act conviction every 3 years. Available to customers in Ontario only.
†Savings apply to major coverages only. Requirements for app downloading, enrollment, and trip recording apply.
††Allstate Car Buying Service (the “Service”) is provided by Unhaggle Inc. (“Unhaggle”). Unhaggle operates the dealer network and the Service’s websites under the Allstate domain. Allstate and Unhaggle do not broker, sell, or lease motor vehicles. Allstate has no financial relationship with any dealer in the dealer network. Each Unhaggle certified dealer will confirm vehicle availability from in-stock inventory, including options and color choices. Pricing is subject to availability of inventory and valid on in-stock vehicles at the specified dealership only. The Service may not be available in your particular location. Allstate and Unhaggle do not make any representations or warranties regarding the products, services, or websites that may be referred to in, or linked to, this site. All product names, trademarks, and trade names are the property of their respective owners.
The average total savings off MSRP published on Unhaggle operated websites across all available makes, models, and regions was $3,184 in 2015. This savings figure is inclusive of price discounts offered by dealerships and applicable manufacturer incentives (assumes cash purchase). Actual savings amounts realized by consumers are not guaranteed and will vary based on multiple factors including, but not limited to, vehicle selected, region, dealership, and applicable manufacturer incentives.
Manufacturer’s Standard Retail Price (“MSRP”) is the price the vehicle manufacturer has suggested for a vehicle. It is a realistic price for the vehicle but it is not necessarily the market price. Dealers may sell for less. It is rare for anyone to pay full MSRP. Average Price represents Unhaggle's exclusive method for calculating the average sale price of a vehicle based on actual sales data in the region.
Licence and registration fees are extra and not included in the prices displayed. Where applicable, purchases are subject to credit approval at the dealership. While efforts are made to ensure that the information and calculations displayed are accurate, pricing, incentives, and discounts may vary and are subject to change or discontinuation at any time. Unhaggle, Allstate, dealers in the dealership network, and manufacturers referred to in this website are not liable for any inaccuracies in the information presented.
The Exclusive Price (the “Exclusive Price”) is provided by Dealer Representatives in the Service’s dealer network and not by Unhaggle or Allstate. Exclusive Price signifies a savings value from the MSRP for a vehicle as configured by the user. Exclusive Price will only be honoured by the Dealer Representative listed on the Price Certificate (the “Certificate”) for the vehicle as configured. To obtain the Exclusive Price, you must present your Certificate to the indicated Dealer Representative upon arrival at the dealership. Exclusive Price expires at the end of each calendar month of the date the Certificate was generated or immediately upon a manufacturer incentive or rebate change.
Unhaggle membership and/or purchase of a product through the Service does not guarantee eligibility for insurance coverage with Allstate. No contractual relationship is established between Allstate and users of the Service unless a policy of insurance is specifically purchased from Allstate.
††† “Minor driving offence" refers to certain minor convictions in the Highway Traffic Act, R.S.O. 1990, c. H.8 or Motor Vehicle Act, R.S.N.S 1989 c.293, as applicable. Rates will not be increased or surcharged if insured has no more than one minor conviction every 3 years. Available to ON and NS customers only. Other eligibility requirements, terms and conditions apply. For more information on coverage, perils, discounts and availability, please contact your local agency or 1-800-ALLSTATE Trademark owned by Allstate Insurance Company used under licence by Allstate Insurance Company of Canada. ©2018 Allstate Insurance Company of Canada.