Whether you’ve come across their name while shopping around for insurance for your car, seen one of their ads, or been referred to them by a friend, you might be considering buying Allstate car insurance.

But are they the right fit? Do they offer the coverage you need at a price that works for your budget? 

In this article, you’ll learn more about Allstate, the potential pros and cons to consider, and how it’s different from an insurance broker like YouSet. That way, you can make the most informed decision and choose a provider that matches your needs and expectations.

How is YouSet different from Allstate?

YouSet combines the convenience of an online platform with the advantages of a licensed insurance broker, while Allstate is a direct-to-consumer insurer that underwrites and sells its own policies.

As such, there are key differences between YouSet and Allstate to consider, which you can see outlined clearly in the table below.

	YouSet	Allstate
Type of provider	Digital insurance broker	Direct-to-consumer (D2C) insurer
Products	Home, tenant, condo, and car	Home, tenant, condo, car, pet, landlord, and travel
Number of insurers	18 insurers (Full list of YouSet insurers)	1 insurer (themselves)
Price comparison	Side-by-side comparison, shows multiple quotes	No comparison, only shows one quote (their own)
Underwriting	Does not underwrite policies	Direct writer (underwrites its own policies)
Checkout	Online checkout or by phone	By phone or in person
Claims	Claims handled by the insurer, additional support from YouSet, as needed	Claims handled directly by Allstate

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Allstate car insurance pros and cons

As with any insurance provider, it’s important to understand what Allstate offers and what it doesn’t. This is key to helping you determine if it aligns with what you’re looking for in a car insurance provider.

Roadside assistance

On its website, Allstate advertises that it will “cover towing, jump starts, fuel delivery, and flat tire changes.” If you plan on relying on this coverage, be sure to confirm the conditions and eligibility requirements. 

Limited self-serve checkout, phone call needed to buy

Even though you can get a quote for Allstate car insurance online in Canada, you may not be able to complete your purchase entirely online. Instead, you’ll typically be prompted to call an agent or visit a local office. 

Popular insurance brand

As one of the largest insurance organizations globally, Allstate is a popular insurance brand, especially in the United States. This recognition extends to Allstate Canada, giving Canadians added confidence that they’re dealing with a well-established institution.

Limited regional availability

As of February 2026, Allstate car insurance is available in Alberta, Ontario, Quebec, New Brunswick, and Nova Scotia. This means drivers in British Columbia, Manitoba, Saskatchewan, Newfoundland and Labrador, Prince Edward Island, and Canada’s territories cannot purchase car insurance from Allstate at this time.

Savings for claims-free customers

Allstate advertises a decreasing deductible for claims-free car insurance customers in Canada. This means that your deductible will decrease by $100 for each year you have car insurance with them and do not file a claim.

Restricted to Allstate products and pricing

If you buy car insurance from Allstate, your policy will typically be underwritten by the company itself. This means that you’re limited to their coverage options, pricing, and discounts. By comparison, a digital insurance broker like YouSet compares multiple insurers, with different underwriters, to help you find the best price.

Local agents offer in-person support

If in-person support matters to you, Allstate has offices in some Canadian cities and provinces. Bear in mind that these agents exclusively sell Allstate car insurance and other Allstate products, meaning you’ll need to compare quotes elsewhere to make sure you’re getting the best price. 

Bundling savings may be limited

Bundling home and car insurance with Allstate can save you money, as advertised. However, bundling with a single carrier doesn’t always offer the most savings possible. Rather, a mix-and-match approach to bundling, where products and pricing from multiple carriers are considered and combined, can help you maximize your savings and find the most cost-effective solution.

Allstate vs. YouSet car insurance

After getting a quote from Allstate and doing your own research, it’s always wise to compare the quoted price to a policy from an alternative provider, such as YouSet, to see if that’s truly the best price you can get or if there’s a better deal available.

Since 2017, YouSet has been making it easier for Canadians to buy home and car insurance online. Why spend hours manually comparing quotes when our proprietary technology can do it all for you in less than 4 minutes? Not only that, but we’ll also have Canada’s top insurance providers competing for your business, ensuring you get the best price year after year. With over 300,000 users and an average online review rating of 4.9 stars, YouSet is a broker well worth considering. 

Best price year-after-year

YouSet’s algorithms are designed to do one thing – find you the best price. Not just the first time you buy, either. If your price increases at renewal, we’ll alert you and even help you re-shop with another carrier.

Transparent renewals

Anytime a YouSet insurance policy comes up for renewal, our team will make sure you’re paying the best price possible for your policy. If that’s no longer working, we’ll help you re-shop another carrier for a better deal.

Mix-and-match approach to bundling

YouSet is the only digital broker in Canada that automatically compares the cost of bundling home and car insurance from a single carrier against the cost of mix-and-matching home and car carriers. Whichever option offers the maximum savings is the one we present to you.

Buy, manage, and renew your policy online

How much easier would it be if you could purchase a policy, personalize it to fit your needs, make modifications to it, and renew it, all without having to make any phone calls or wait on hold? With YouSet, you can do all that and more with our self-serve features.

Highly reviewed by Canadians

With an overall rating of 4.8 out of 5 stars on Google, the general consensus among YouSet users is that YouSet is making it easier to find affordable insurance and buy it online at the best price year after year.