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Car insurance

Choosing the right insurance coverage

Buying car insurance is about more than knowing you have the correct coverage. It’s about being able to drive worry-free. That’s why Allstate offers a wide range of competitive 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 quote.

Customized coverages 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.

Get coverage while ridesharing

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 ride for hire, 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 ridesharing.

What you'll need to get an auto quote 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

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.

Car insurance discounts

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.

Student discount

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.

Retiree discounts

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.

Disappearing deductible

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.

Safe driving discounts with Drivewise®

By monitoring your driving habits for a minimum 1,000 km necessary within a six-month period, 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

New car discount

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.

Manage your policies online with myAllstate® 

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®

Priority Repair Option Vendors for Your Vehicle Repairs

Two car mechanics fixing a car

Our claim service not only provides roadside assistance in case your car meets with an accident or malfunctions, but your claim advisor or Allstate representative can also suggest a reliable Priority Repair Option (PRO) repair service for any vehicle repairs associated with a covered claim. If you have a claim, we’ll contact a PRO shop in your area and provide them with the details of the damage and your coverage so that they can start working on car. You always have the freedom to select your preferred repair shop, but wouldn't you rather let us ensure your vehicle is in Good Hands®?

Benefits of Using Our PRO Shops

  • Guaranteed repair coverage in writing for the entire period you own your vehicle, provided by Allstate.*
  • Certified home repair contractors who are pre-vetted and reliable, possessing the necessary licenses.
  • Exceptional repairs following the highest industry standards.
  • Excellent and efficient customer service.
  • Convenience – we’ll find the closest PRO shop for you.
  • Regular inspections by Allstate.
  • Access to a rental vehicle.
  • Direct billing from the PRO vendor to Allstate.

 Our skilled claims specialists are available 24/7 to quickly and fairly handle your claims.


* Terms and Conditions Apply. Contact your Allstate claims professional or local agent for more details.

Car insurance FAQs

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.

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.

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).

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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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