What happens when you request an Allstate insurance quote
When you request a quote from Allstate, you provide information about what you want to insure — your car, home, or both — and Allstate uses that information to calculate a price. The quote itself is not a binding agreement; it is an estimate based on the details you give. Allstate will ask about your driving history, the value of what you're insuring, what coverage limits you want, and your deductible preferences. After you submit this information, Allstate generates a quote that shows what your monthly or annual premium would be.
The quote process typically takes 15 to 30 minutes if you do it online, or longer if you speak with an agent by phone. You do not need to buy anything to get a quote — it is free information. Allstate will ask for your contact details so they can send the quote to you and follow up, but requesting a quote does not lock you into a purchase or create any obligation.
Key Takeaways
- Allstate quotes are free and take 15 to 30 minutes online; you can get one without committing to buy anything.
- You will need to provide your driver's license number, vehicle identification number (VIN), home address, and details about the coverage you want.
- Allstate offers quotes for auto insurance, home insurance, and bundled policies that combine both at a lower rate.
- Quotes are typically valid for 30 to 60 days, so you have time to compare before deciding whether to purchase.
Getting a quote online through Allstate's website
Go to Allstate.com and look for the "Get a Quote" button, usually visible on the homepage. Click it and select the type of insurance you want to quote — auto, home, or both. Allstate will then walk you through a series of screens asking for personal and property information.
For auto insurance, have your driver's license and vehicle information ready. You will need your driver's license number, the vehicle identification number (VIN) from your car's registration or dashboard, the current mileage, and details about how you use the vehicle (commute distance, annual miles driven). For home insurance, you will need your home's address, the year it was built, the square footage, and information about its roof, heating system, and any security features.
After you enter this information, Allstate shows you quote options with different coverage levels and deductibles. You can adjust the deductible or coverage limits to see how the price changes. Once you are satisfied with a quote, you provide your email address and phone number, and Allstate sends the quote to you as a PDF or displays it on screen when ready.
Requesting a quote by phone with an Allstate agent
Call Allstate at 1-800-255-7828 to speak with an agent who can walk you through the quote process over the phone. This route takes longer than the online method — typically 30 to 45 minutes — but an agent can answer questions about coverage types and help you understand what each option means.
Have the same information ready as you would for an online quote: driver's license number, VIN, home address, and details about what you want to insure. The agent will ask follow-up questions about your driving history, any accidents or violations, and your preferences for coverage limits. They will then provide you with quote options and can explain the differences between them.
An agent can also tell you about discounts you may be may be able to access for — such as discounts for bundling auto and home insurance, having a good driving record, or completing a defensive driving course. After the call, the agent will email or mail the quote to you.
What information Allstate needs for an accurate quote
Allstate uses specific details to calculate your quote. For auto insurance, the company needs your age, gender, marital status, driving history (including any accidents, violations, or claims), the make and model of your vehicle, the year it was manufactured, the current mileage, how you use it (commute, pleasure, business), and how far you drive annually. The more accurate this information is, the closer the quote will be to your actual premium if you purchase.
For home insurance, Allstate needs the address, the year the home was built, the square footage, the number of bedrooms and bathrooms, the type of roof and its age, the heating and cooling system, whether you have a fireplace, the distance to the nearest fire hydrant, and whether you have security or fire detection systems. Allstate also asks whether you have any prior claims on the property and whether you own the home or rent it.
If you are bundling auto and home insurance, Allstate will ask all of these questions. Providing accurate information is important because if the details in your quote do not match the details in your actual policy, your premium may change when you purchase.
Understanding your quote and coverage options
An Allstate quote shows you several options, each with a different combination of coverage types and deductibles. For auto insurance, the main coverage types are liability (which pays for damage you cause to someone else's car or property), collision (which pays for damage to your own car from a crash), comprehensive (which covers theft, weather, and other non-collision damage), and uninsured motorist (which protects you if hit by someone without insurance).
Each coverage type has a deductible — the amount you pay out of pocket before insurance kicks in. A higher deductible means a lower monthly premium, but you pay more if you file a claim. Allstate typically shows you quotes with deductibles of $250, $500, $1,000, and sometimes higher. The quote also shows your liability limits — the maximum the insurance will pay for damage you cause — usually offered at $25,000, $50,000, $100,000, or higher per person.
For home insurance, the main coverage is dwelling coverage (which insures the structure of your home) and personal property coverage (which insures your belongings). The quote shows the dwelling coverage amount, which is usually based on the replacement cost of your home. You can adjust this amount, and the premium will change accordingly.
How long a quote is valid and what happens next
Allstate quotes are typically valid for 30 to 60 days from the date you receive them. This means the price shown in the quote will not change during that period, even if insurance rates in your area go up. After the validity period expires, you would need to request a new quote to see current pricing.
Once you have your quote, you can compare it with quotes from other insurance companies, or you can decide to purchase from Allstate. If you want to purchase, you can do so online, by phone with an agent, or by visiting a local Allstate office. When you purchase, you will need to choose your coverage options, set up payment (monthly, quarterly, or annual), and provide payment information. Your policy typically becomes active within one to two business days.
If you do not purchase within the validity period and want to move forward later, you will need to request a new quote. Allstate may also contact you by email or phone during the validity period to follow up on your quote and answer any remaining questions.
Discounts that may lower your Allstate quote
Allstate offers several discounts that can reduce your premium. Common discounts include bundling auto and home insurance (typically 15 to 25 percent off), having a clean driving record with no accidents or violations, completing a defensive driving course, being a good student (usually a 3.0 GPA or higher), paying your premium in full rather than monthly, and setting up automatic payments. Some discounts are applied automatically when you meet the criteria; others require you to ask for them or provide proof.
Allstate also offers usage-based discounts through its Drivewise program, which uses an app to monitor your driving habits. If you drive safely — avoiding hard braking, speeding, and late-night driving — you can earn discounts of up to 30 percent. The quote you receive online or by phone may not include all available discounts; an agent can tell you which ones you may be may be able to access for and how much each one saves.
Frequently Asked Questions
Will getting an Allstate quote affect my credit score?
No. Requesting an insurance quote does not involve a hard credit inquiry, so it will not affect your credit score. Allstate may do a soft inquiry to check your credit history, but this does not show up on your credit report or impact your score.
Can I get a quote without providing my phone number or email?
You can view a quote online without providing contact information, but Allstate will ask for your email or phone number if you want them to send the quote to you or if you want to move forward with a purchase. You do not have to provide this information to see what a quote looks like.
How much does an Allstate quote cost?
Requesting a quote from Allstate is free. There is no charge for getting a quote, and you have no obligation to purchase. You only pay if you decide to buy an Allstate policy.
What if my information changes after I get a quote?
If your situation changes — such as adding a driver to your household, changing your commute, or making home improvements — you should request a new quote. The original quote was based on the information you provided at that time, and changes may affect your premium.
Can I bundle auto and home insurance with Allstate?
Yes. Allstate offers bundled policies that combine auto and home insurance, and bundling typically results in a discount on both. When you request a quote, you can select both auto and home insurance to see the bundled price.