Alstate Car Insurance: Everything You Need to Know

Car insurance is a necessity for all drivers, no matter how skilled or cautious they are. Accidents can happen at any time, and it is important to have insurance coverage to protect yourself and your vehicle. Alstate car insurance is one of the most popular choices for drivers in the United States, thanks to their comprehensive coverage and excellent customer service. In this article, we will take a closer look at Alstate car insurance and everything you need to know before signing up for their services.

What is Alstate Car Insurance?

Alstate is one of the largest insurance companies in the United States, with over 17 million policies in force. Founded in 1931, Alstate has a long history of providing excellent insurance coverage to drivers across the country. Their car insurance policies offer a wide range of coverage options, from liability insurance to collision and comprehensive coverage.

Types of Alstate Car Insurance Policies

Alstate offers several different types of car insurance policies to meet the needs of drivers with different levels of coverage. Here are some of the most common types of Alstate car insurance policies:

Policy Type
Liability Insurance
Covers damages or injuries that you may cause to other people or their property while driving
Collision Coverage
Covers damages to your own vehicle in the event of a collision, regardless of who is at fault
Comprehensive Coverage
Covers damages to your vehicle caused by non-collision events, such as theft, fire, or natural disasters
Personal Injury Protection
Covers medical expenses and lost wages for you and your passengers in the event of an accident

Alstate Car Insurance Discounts

Alstate offers several discounts to help you save money on your car insurance premiums. Here are some of the most popular Alstate car insurance discounts:

  • Safe driver discount
  • Multi-policy discount
  • Paperless billing discount
  • Good student discount
  • New car discount

Pros and Cons of Alstate Car Insurance

Like any insurance company, Alstate has its pros and cons. Here are some of the advantages and disadvantages of choosing Alstate car insurance:


  • Wide range of coverage options
  • Excellent customer service
  • Convenient mobile app for managing your policy
  • Discounts available for safe drivers and other qualifying factors


  • Higher premiums compared to some other insurance companies
  • Some policyholders have reported issues with claims processing
  • Not available in all states


How do I file a claim with Alstate?

You can file a claim with Alstate by calling their claims hotline, which is available 24/7. You can also file a claim online or through the Alstate mobile app.

How long does it take to process a claim with Alstate?

The length of time it takes to process a claim with Alstate can vary depending on the complexity of the claim. However, Alstate aims to process claims as quickly as possible and will keep you updated on the status of your claim throughout the process.

What is the Alstate Rewards program?

The Alstate Rewards program is a loyalty program that rewards safe driving behavior. You can earn points by driving safely and participating in other safe driving activities, such as taking a defensive driving course or using the Alstate mobile app to track your driving habits. Points can be redeemed for discounts on your car insurance premiums or for other rewards.

Does Alstate offer roadside assistance?

Yes, Alstate offers roadside assistance as part of their car insurance policies. This includes services such as towing, fuel delivery, jump-starts, and lockout assistance.

Can I customize my Alstate car insurance policy?

Yes, Alstate allows you to customize your car insurance policy to meet your specific needs. You can choose the coverage options that are most important to you and adjust your deductible to fit your budget.


Alstate car insurance is an excellent choice for drivers who are looking for comprehensive coverage and excellent customer service. With a wide range of coverage options and discounts available, Alstate can help you find the perfect policy to meet your needs and budget. If you are in the market for car insurance, be sure to consider Alstate as a top choice.