How to Get an Allstate Auto Insurance Refund [2024]
You can get an Allstate auto insurance refund by canceling your coverage at any time. Allstate also doesn’t charge a fee for canceling your policy before it expires. Drivers were also able to receive a one-time 15% Allstate car insurance refund due to the pandemic. If you like your Allstate coverage but need lower rates, add discounts, lower coverage amounts, and raise deductibles to save money.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...
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UPDATED: Feb 23, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- You can get an Allstate auto insurance refund if you have prepaid and then have to cancel coverage before your policy expires
- If you are canceling Allstate auto insurance due to rates, take advantage of available discounts and make policy changes to lower rates
- Allstate offered a 15% refund to drivers during the pandemic because drivers were on the road less
There are many reasons you may decide to cancel your auto insurance, but you need to know that you can get a refund if you prepaid and cancel your coverage early. Learning how to get an Allstate auto insurance refund can save you money and make switching insurance companies easier. (For more information, read our “How to Cancel Auto Insurance“).
If you are happy with Allstate coverage but need lower rates, there are ways for you to keep Allstate and still lower your rates. Consider lowering coverage amounts and adding discounts.
However, if you’ve decided to switch to a new insurance company and have prepaid for your Allstate coverage, you may be entitled to a refund.
Before you cancel Allstate auto insurance and ask for a refund, shop around for new coverage. Compare multiple companies to find your best deal.
Keep reading to learn how to get an Allstate auto insurance refund. If you are interested in switching companies, enter your ZIP code now to compare free auto insurance quotes from companies in your area.
Can you get an Allstate auto insurance refund?
Most auto insurance companies let you cancel your coverage at any time for any reason. Whether you find a better deal somewhere else or sell your car, you can switch auto insurance companies, or just cancel your coverage altogether.
If you’ve paid your Allstate auto insurance in advance, you can get a refund when you cancel before your policy ends. Allstate doesn’t even charge you a fee to cancel coverage early. (For more information, read our “Allstate Auto Insurance Review“).
Most drivers cancel auto insurance because rates are too high. This table shows the average annual rates from top companies, including Allstate. These rates can help you determine if rates are lower elsewhere.
Average Annual Auto Insurance Rates Based on Coverage Type
| Company | Average Annual Rates for Low Coverage | Average Annual Rates for Medium Coverage | Average Annual Rates for High Coverage |
|---|---|---|---|
| Allstate | $4,628.03 | $4,896.81 | $5,139.02 |
| American Family | $3,368.49 | $3,544.37 | $3,416.40 |
| Farmers | $3,922.47 | $4,166.22 | $4,494.13 |
| Geico | $3,001.91 | $3,213.97 | $3,429.14 |
| Liberty Mutual | $5,805.75 | $6,058.57 | $6,356.04 |
| Nationwide | $3,394.83 | $3,449.80 | $3,505.37 |
| Progressive | $3,737.13 | $4,018.46 | $4,350.96 |
| State Farm | $3,055.40 | $3,269.80 | $3,454.80 |
| Travelers | $4,223.63 | $4,462.02 | $4,619.07 |
| USAA | $2,404.11 | $2,539.87 | $2,667.92 |
If you enjoy Allstate but need lower rates, there are several ways you can save money but still keep the coverage you like.
First, lower your coverage amounts and raise your deductibles. Keep in mind, although doing this will lower your rates, you will be responsible for more out-of-pocket expenses if your vehicle is damaged.
Next, take advantage of Allstate discounts. Adding car insurance discounts can significantly lower your rates.
This table shows common auto insurance discounts offered by Allstate that you may be eligible for. The amount of the discount is listed if it is available.
Allstate Auto Insurance Discounts
| Auto Insurance Discounts | Allstate (%) |
|---|---|
| Anti-lock Brakes | x |
| Anti-Theft | x |
| Claim Free | x |
| Continuous Coverage | x |
| Daytime Running Lights | x |
| Defensive Driver | x |
| Distant Student | x |
| Driver's Ed | x |
| Driving Device/App | x |
| Early Signing | x |
| Electronic Stability Control | x |
| Farm Vehicle | x |
| Good Credit | x |
| Good Student | x |
| Green Vehicle | x |
| Life Insurance | x |
| Low Mileage | x |
| Military | x |
| Multiple Policies | 10 |
| Multiple Vehicles | x |
| Newer Vehicle | x |
| Occupation | x |
| On-Time Payments | x |
| Paperless Documents | x |
| Paperless/Auto Billing | x |
| Passive Restraint | x |
| Senior Driver | x |
| Utility Vehicle | x |
| Vehicle Recovery | x |
While adding discounts and lowering your rates is helpful, that might not be enough for you to stay with Allstate. If you want to know auto insurance with Allstate and get a refund, keep reading to learn more.
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How do you cancel Allstate auto insurance and get a refund?
If you decide to cancel your Allstate policy, you will need to speak with your agent to do so. You may have to issue a written request to cancel your coverage. The agent will need your personal information, policy number, and the date you want your coverage to end.
Before you cancel your policy, shop around to find a new auto insurance company. Keep in mind that each company will weigh your personal factors differently and offer different rates.
Once you decide on your new car insurance company, be sure to get coverage in place before you cancel with Allstate and ask for your refund.
Most states require you to carry at least a minimum amount of auto insurance. That’s why it’s important that you have new auto insurance in place before you cancel Allstate coverage.
According to the Insurance Information Institute, driving without valid insurance can lead to fines, having your driver’s license suspended, and having your vehicle impounded.
How long does an Allstate refund take? Typically, it takes two to four weeks to get an Allstate refund check. Most insurance companies mail insurance refund checks instead of issuing a refund electronically.
Make sure following up on your refund stays on your to-do list. If you haven’t received your refund after a month or so, call Allstate to follow up.
Did Allstate offer an auto insurance refund due to COVID-19?
The COVID-19 pandemic basically ground traffic to a halt since so many people began working from home and quarantining.
Because many drivers have been on the road a lot less due to the pandemic, Allstate is one of a handful of auto insurance companies that have offered an auto insurance stimulus check.
Allstate committed to refund customers 15% of their rates for a three-month time period. This refund was in recognition that many drivers were under a stay-at-home order and were being hit hard financially by the pandemic.
Allstate Auto Insurance Refund: What You Need to Know
You can cancel Allstate auto insurance at any time and get a refund if you’ve paid in advance. Allstate also issued a 15% refund for drivers during the COVID-19 pandemic.
If you want to stay with Allstate but need lower rates, consider lowering coverage amounts and raising your deductibles. Also, add all auto insurance discounts available to you for significant savings.
If you still want to cancel Allstate and be issued a refund, shop around to find your next auto insurance company. Compare multiple companies to find the coverage you want with the lowest rates for you.
Now that you understand how to get an Allstate car insurance refund, you’re ready to look for new coverage. Enter your ZIP code to compare quotes from auto insurance companies near you for free.
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Frequently Asked Questions
Can I get a refund if I cancel my Allstate auto insurance?
Yes, you can get a refund if you cancel your Allstate auto insurance before the policy expires. Allstate does not charge a fee for canceling early.
How do I cancel my Allstate auto insurance and get a refund?
To cancel your Allstate auto insurance, you need to contact your agent and provide your personal information, policy number, and desired coverage end date. Make sure to have new insurance in place before canceling Allstate coverage. Refunds typically take two to four weeks and are usually issued as a check.
Did Allstate offer an auto insurance refund due to COVID-19?
Yes, during the COVID-19 pandemic, Allstate offered a one-time refund of 15% of auto insurance rates for a three-month period. This refund was provided to recognize the reduced driving activity and financial hardship faced by many drivers.
Can I keep Allstate coverage but lower my rates?
Yes, if you want to keep your Allstate coverage but lower your rates, you can consider lowering your coverage amounts and raising your deductibles. Additionally, take advantage of available Allstate discounts to reduce your rates.
How long does it take to receive an Allstate refund?
Typically, it takes two to four weeks to receive an Allstate refund check. Most refunds are sent by mail rather than electronically. If you haven’t received your refund after a month, it’s advisable to follow up with Allstate.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.