Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Feb 12, 2022

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The Lowdown

  • 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.

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.

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
CompanyAverage Annual Rates for Low CoverageAverage Annual Rates for Medium CoverageAverage 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
Get Your Rates Quote Now

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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 DiscountsAllstate (%)
Anti-lock Brakesx
Anti-Theftx
Claim Freex
Continuous Coveragex
Daytime Running Lightsx
Defensive Driverx
Distant Studentx
Driver's Edx
Driving Device/Appx
Early Signingx
Electronic Stability Controlx
Farm Vehiclex
Good Creditx
Good Studentx
Green Vehiclex
Life Insurancex
Low Mileagex
Militaryx
Multiple Policies10
Multiple Vehiclesx
Newer Vehiclex
Occupationx
On-Time Paymentsx
Paperless Documentsx
Paperless/Auto Billingx
Passive Restraintx
Senior Driverx
Utility Vehiclex
Vehicle Recoveryx
Get Your Rates Quote Now

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While adding discounts and lowering your rates is helpful, that might not be enough for you to stay with Allstate. If you still want to cancel your Allstate car insurance 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.