Does Allstate Offer a Military Discount? Everything You Need to Know

Allstate is one of the largest insurance providers in the United States, offering policies for auto, home, renters, life and more. With millions of customers nationwide, Allstate aims to provide quality coverage at competitive prices.

One common question from prospective customers is: Does Allstate offer a military discount?

The short answer is yes, Allstate does provide discounts for military members, veterans and their families. However, the specifics depend on your state of residence and policy type.

Below we’ll explain everything you need to know about Allstate’s military discount programs, including:

  • Who is eligible for the Allstate military discount?
  • What types of insurance policies offer a military discount?
  • How much can you save with Allstate’s military discount?
  • How you can take advantage of the discount as an eligible policyholder

Who Qualifies for Allstate’s Military Discount?

Allstate offers military discounts in select states across multiple lines of insurance. Eligibility is based on your military status and location.

Here are the basic requirements to qualify for Allstate’s military insurance discount:

  • Active duty military – Includes members of the Army, Navy, Air Force, Marines, Coast Guard, National Guard and Reserves.

  • Veterans – Former military members with an honorable discharge.

  • Spouses and children – The immediate family members of active duty personnel and veterans may also be eligible.

Eligible military members must be based in or have residency in certain states to qualify for the Allstate military discount. The availability varies by state and insurance product.

For example, Louisiana requires insurers to provide discounts for active military personnel. Meanwhile, states like California and Arizona mandate discounts on select policies for veterans.

So even if you’re active duty or a veteran, you’ll need to verify if discounts are offered in your location. Allstate’s website has more details on state-specific military discount eligibility.

What Allstate Insurance Policies Offer Military Discounts?

Allstate provides military discounts on auto, property and life insurance policies in select states. Here are some key details:

Auto Insurance

  • Louisiana – Offers a 25% discount for active duty military personnel and their spouses/dependents residing in Louisiana. This applies to liability, collision, comprehensive and medical payments coverage.

  • Other States – No mandated military discount, but check with local agent for potential savings.

Home Insurance

  • Arizona – 10% discount for honorably discharged veterans on homeowners, renters and condo insurance.

  • California – 10% discount for veterans on property insurance, including homeowners, renters and fire insurance.

  • Other States – No official military discount, but ask about other ways to save.

Life Insurance

  • Most States – Check with a local Allstate agent for potential discounts up to 15% on select life insurance products.

Reaching out to your local Allstate agent is the best way to learn about discounts in your location.

How Much Can You Save with Allstate’s Military Discount?

The amount of savings with Allstate’s military discount varies based on your state, policy type and other factors.

But to give you a sense, here are some examples of potential savings:

  • Louisiana auto insurance – Up to 25% off liability, collision, comprehensive and medical payments

  • Arizona home insurance – 10% discount for veterans

  • California life insurance – Up to 15% discount on select policies

For a real dollar example, let’s say a Louisiana policyholder pays $1,500 annually for auto insurance. With the 25% military discount, they would save $375 per year, reducing their premium to $1,125.

Of course, actual savings will depend on your individual policy, driving history and other variables. There is no set dollar amount for Allstate’s military discounts.

The key takeaway is that these discounts can add up to significant savings over time, making coverage more affordable.

How to Get Allstate’s Military Discount

If you’re eligible for Allstate’s military discount based on the criteria above, here are some tips for getting it applied:

  • Existing customers – Call your Allstate agent to have the discount added. Provide proof of your military status like discharge paperwork, current orders or a U.S. Uniformed Services ID card.

  • New customers – Mention your eligibility when getting an insurance quote. Provide documentation to verify your active/veteran status.

  • Auto insurance – If you’re in Louisiana, ask specifically about the state’s military discount program.

  • Home insurance – In AZ and CA, request application of the veteran discount.

  • Life insurance – Discuss potential savings with an Allstate life agent. Discounts vary by product.

  • Spouses/dependents – Provide documentation proving relationship to the military member along with their eligibility documentation.

  • Renewals – The discount should automatically renew each policy term, but verify at renewal time.

Proactively bringing up your military service is key to obtaining Allstate’s discount. The savings may not always be advertised or offered upfront.

Doing a yearly policy review with your Allstate agent is recommended to ensure you receive all available discounts. Rates and eligibility can sometimes change.

Why Does Allstate Offer Military Discounts?

Like many insurance companies, Allstate offers special savings to service members, veterans and their families for a few important reasons:

1. Required by state laws – In states like Louisiana, California and Arizona, insurers are mandated to provide military discounts. Allstate complies in locations where it’s legally required.

2. Recognition of service – The military community makes immense sacrifices to protect our country. Allstate military discounts demonstrate appreciation for this service.

3. Competitive rates – Most major insurers extend military savings, so it’s key for Allstate to do the same to keep rates competitive.

4. Low risk pool – Data shows military members file fewer claims and tend to be more financially responsible. Offering a discount allows Allstate to retain these lower risk customers.

5. Brand reputation – Providing military discounts enables Allstate to build goodwill and boost its reputation among service members.

While state laws may catalyze Allstate’s military pricing in some areas, the discounts also make good business sense overall. They allow the company to recognize service, keep rates competitive and maintain a large, lower-risk customer base.

Are There Other Ways to Save with Allstate?

Allstate’s military discount provides targeted

Don’t insure with Allstate. This video explains why Allstate sucks. #allstate #allstateinsurance


Which car insurance is best for military?

USAA is the only major insurance company that caters exclusively to former and current service members and their families including: Those currently enlisted in the Air Force, Army, Coast Guard, Marines, Navy, National Guard and Reserves.

How much of a discount does military get on car insurance?

Active duty service members are eligible for some of the best car insurance discounts around – up to 15% or more. That could result in hundreds of dollars of savings for you each year. If you are deployed, some companies will charge you up to 60% less for auto insurance while your vehicle is being stored.

What is the cheapest auto insurance for veterans?

For military members and veterans, USAA offers the lowest annual average rates, with policyholders paying an average of $433 for minimum coverage and $1,673 for full coverage. Both Armed Forces Insurance and USAA specialize in coverage for military members and veterans.

What insurance company does military use?

TRICARE is the health care program for uniformed service members, retirees, and their families around the world. TRICARE provides comprehensive coverage to all beneficiaries, including… Most TRICARE health plans meet the requirements for minimum essential coverage under the Affordable Care Act.

Leave a Comment