Allstate Deductible Payment Plan℠ offers you the option to pay your deductible over time instead of up front when you file an auto claim. It's an easy way to relieve the immediate financial burden of unexpected out-of-pocket costs.
General overview
Allstate Deductible Payment Plan is a flexible payment option that allows eligible auto insurance customers to pay their comprehensive or collision deductible in 12 manageable, monthly payments with no interest. A small, one-time fee may apply.
No. Enrollment is optional. If you prefer to pay your deductible in full upfront, you do not need to enroll. Allstate Deductible Payment Plan simply gives you the option to spread your deductible payments over 12 months instead of paying the entire amount at once.
The payment plan will be set up directly through Allstate (not a third-party company).
Eligibility and qualification
Current policyholders with an auto insurance plan underwritten by Allstate Insurance Company or its Allstate-branded subsidiaries only. Auto insurance policies underwritten by the National General Insurance Group underwriting companies or any other non-Allstate-branded underwriting companies are not eligible.
Eligible Auto policyholders must have a Collision or Comprehensive coverage with a deductible of $250 or higher. Final eligibility is determined based on several factors including but not limited to, policy type, claim filed, and history of insurance fraud and cancellations due to nonpayment.
After you file an auto claim, Allstate will automatically review your eligibility for Deductible Payment Plan. If you qualify, you’ll be notified during the claim process. Final eligibility is determined based on several factors including but not limited to policy type, claim filed, and history of insurance fraud and cancellations due to nonpayment.
No, credit is not pulled to set up Allstate Deductible Payment Plan.
No, customers can only sign up for Deductible Payment Plan after an accident, when filing a claim, if eligible.
The policyholder can opt-in to Deductible Payment Plan on the claim, regardless of who was driving.
Yes, you would still qualify even if the claim happened in another state. Eligibility depends on whether Deductible Payment Plan is offered in the state your auto policy was issued in.
Payment terms and enrollment
1. Sign up early.
If you're eligible, you will receive a prompt with the offer to enroll during your auto claim experience. Enrollment in Deductible Payment Plan is only open until your estimate is finalized by the repair shop. Go to MyClaim to check the status.
2. Set up and activate.
You will receive plan details and an outlined payment schedule. Set up your bank account to receive your deductible payout. Review and activate.
3. We send your deductible payout.
Once your estimate is ready, we will send the deductible amount to your bank account, so you can pay the shop.
4. Your first payment is due one month after activation.
You will pay 20% of your deductible in the first installment. A small, one-time, non-refundable set up fee may apply for some states. Set up your repayment method in My Account or the Allstate app, you can choose to enroll in autopay or make payments directly.
5. Fixed payments for 11 months.
Pay off your deductible balance with no monthly interest. The exact monthly payment will depend on your deductible amount and is outlined at enrollment. We will send you payment reminders closer to the due date through your preferred communication method.
There is no monthly interest charged for using Allstate Deductible Payment Plan. However, a nominal one-time setup fee may apply to your first bill, depending on the state where your policy is registered and your deductible amount. Terms of the payment plan and costs will be clearly disclosed before you enroll.
The payment plan is spread out over a 12-month period. However, customers can repay early, if desired, without penalty. The exact monthly payment will depend on your deductible amount. You will receive plan details and an outlined payment schedule before agreeing to the payment plan.
Currently, the plan is standardized to 12 monthly payments. Early payoff is allowed, but customization is not available.
A $15 late fee may apply on your next bill.
Yes, you’ll receive monthly billing statements and reminders through your preferred communication method.
Yes! You can pay off your remaining deductible at any time without penalty.
Upon filing a claim, you will be informed whether you qualify for Deductible Payment Plan. If eligible, you’ll be able to enroll right after reporting your claim. You can also enroll through MyClaim®.
No, customers are limited to one active Deductible Payment Plan at a time.
Yes, you can cancel at any time and pay off the remaining balance without penalty. Any applicable set-up fees are non-refundable.
If for any reason you are no longer insured by Allstate for your auto insurance, the outstanding balance on your Deductible Payment Plan must be paid back in full immediately.
Claims and repairs
Not at all. Your claim will continue to be processed, and your vehicle repaired regardless of how you choose to pay your deductible.
When you enroll in Deductible Payment Plan at the time of a claim, Allstate sends you the full amount of your deductible so you can pay the repair shop to finalize your claim and get your car back. You will pay back your deductible to Allstate in 12 monthly installments.
If your vehicle is not repairable at the time of filing your claim, you won’t be eligible for Allstate Deductible Payment Plan. In that case, Allstate will pay the actual cash value of your vehicle minus your deductible based on your policy.
Sometimes, a vehicle is declared a total loss later on in the claims process. If you have already enrolled in Deductible Payment Plan and your car is determined to be a total loss, your payment plan still applies. You can continue making payments under the plan or pay the balance off in full to close it out.
Once you choose to enroll and the repair shop sends us your estimate, this activates your payment plan. To close out your payment plan, you simply need to send back the full remaining balance. There are no penalty charges for paying the remaining balance early. However, any applicable set-up fees are non-refundable.
Requirements change for each lienholder, so we always recommend contacting them to confirm. If they do not accept a higher deductible, you can reduce it through your Allstate My Account.
Support
Allstate customer service support is available at 833-792-0597