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Car insurance

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.

Liability coverage

Protects you if you are in an accident and you are held liable for the injury to or death of other people. It also covers damage to their vehicle or property.

Ridesharing with Allstate's ride for hire

Allstate recognizes how you use your car is changing. With ride sharing becoming more popular, you may require additional coverage beyond your personal auto policy. With Allstate’s ridesharing accommodation, you can bridge the gap between private and commercial insurance policies to ensure your needs are met. Contact an Allstate agent today to ensure your car is properly insured for ride sharing.

Car insurance online

Allstate knows how important convenience is to you, which is why we offer online resources to help save you both time and money. Get a customized automobile insurance policy that meets your needs

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.

myAllstate App

Want to manage your policies easily? Download and use the myAllstate app to pay bills online, access your digital proof of insurance (pink card) and manage your policy details in one place.

Drivewise®

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 

Auto discounts

anti theftQuality 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.

Our discounts

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 vehicle

Allstate 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.

Claims

After a collision, it can be a stressful time. If you need to make a claim, Allstate has a highly experienced claims team available 24/7 to guide you through the process

myAllstate® – your online account

Want easy access to your insurance policies anytime, anywhere? Register with myAllstate and you’ll be in control of your policy online.

Learn more about myAllstate®

FAQ

Your limit is the total amount we'll pay if you make a claim on a covered loss. Your deductible is the portion of the claim you pay. For example, if you have an accident which causes $2,000 in damage to your car and you have a $500 deductible, you will pay the first $500 and we would pay the remaining $1,500.

Your premium will be higher if you have a higher limit and a lower deductible. When choosing the deductible that’s right for you, think about how much you could afford to pay if you were involved in an accident that resulted in damage to your car. If you have a lower deductible, you'll pay less out-of-pocket costs when you make a claim, however you'll pay a higher premium.

Your policy covers most licensed drivers who have permission to drive your car but there are certain exceptions. Speak to your agent for additional details.

If you have added loss of use or transportation replacement endorsement to your policy, we will cover the cost of alternate transportation such as a rental vehicle while your car is being repaired. This endorsement is not automatically included with your policy.

Auto Claims: Allstate’s Claims team is here for our customers day or night to help you get on with your life as simply as possible. Visit claims to find out how to report a claim and for contact numbers by province.

Your vehicle is covered by auto insurance, but most personal items that you may carry in your vehicle would be covered under your home, condo or tenant insurance policy (if you have one).

No-fault insurance refers to coverage under your policy that you may be eligible for, regardless of whether you were at fault for the accident or not. Depending on where you live, the limits of your entitlement to various benefits, like medical and rehabilitative benefits, may vary. There may also be options for you to add on additional coverage for these benefits.

• 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.

Yes. Allstate offers insurance coverage for other vehicles including:

• Motorcycles

• ATVs

• Snowmobiles

• Boats/Watercraft

• Motorhomes, trailers

When your teenager is learning how to drive, call us to discuss the best approach. Driver training courses are an important step that can help prepare your teen for the roads. Your teenager’s safety and protection is the most important consideration. As well, when learning how to drive with a driver training program, it may help lower your premium.

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

Accidents and mishaps are an unfortunate part of life. Being prepared can make the experience less frightening. Here are some helpful tips on what to do in case of 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.

To get a quote or to find out more information, call your local Allstate agent

Find the answers to some of the most frequently asked questions about accidents, your car insurance policy and coverage.

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Making life's not so easy moments easier

If you need to make a claim, Allstate has a highly experienced claims team available 24/7 to guide you through the process.

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