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Get a free quote for the right car insurance coverage in under 3 minutes.

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Car insurance

Car insurance

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.

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.

Direct compensation property damage

Covers you for damage to your vehicle and to property inside it when another motorist insured in your province is responsible for the accident.

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.

Accident benefits

Covers medical bills, rehabilitation, funeral costs, and loss of income due to disability (not applicable in Quebec).

Direct compensation property damage

Covers you for damage to your vehicle and to property inside it when another motorist insured in your province is responsible for the accident.

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.

Accident benefits

Covers medical bills, rehabilitation, funeral costs, and loss of income due to disability (not applicable in Quebec).

Direct compensation property damage

Covers you for damage to your vehicle and to property inside it when another motorist insured in your province is responsible for the accident.

Ridesharing with Allstate's ride for hire

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:

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. 

Auto 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.

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

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

What are deductibles?

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.

How do limits and deductibles impact my premium?

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.

Does my insurance policy cover someone else who drives my car?

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.

Will I automatically receive a replacement vehicle if my car is being repaired?

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.

What happens if I have an accident and need to make a claim?

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.

What does your auto insurance policy cover if personal items are stolen from your vehicle?

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).

What is no-fault insurance?

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.

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.

• 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: • Motorcycles • ATVs • Snowmobiles • Boats/Watercraft • Motorhomes, trailers

Yes. Allstate offers insurance coverage for other vehicles including:

• Motorcycles

• ATVs

• Snowmobiles

• Boats/Watercraft

• Motorhomes, trailers

What type of car insurance does my newly licensed teenager need?

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.

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

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?

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.

How can I get an auto insurance quote?

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.

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.

File a claim

Legal

Terms and conditions apply. Coverage, perils, discounts, and availability may vary by region.  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. ©2024 Allstate Insurance Company of Canada.

Terms and conditions apply. Coverage, perils, discounts, and availability may vary by region. 

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. ©2024 Allstate Insurance Company of Canada.

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