Allstate filed to introduce a “Just Enough” auto endorsement in three states—Maryland, Mississippi, and Nebraska. The endorsement lowers premiums by limiting coverage: it excludes undisclosed drivers, restricts permissive drivers to statutory minimum liability, and removes physical damage coverage in those scenarios.

The carrier is already promoting the concept publicly, with a Facebook post positioning “Just Enough Auto” as a customizable option that allows customers to skip protections they do not want.

Allstate also filed a trademark for “Just Enough” on February 17, 2026, as previously reported.

Taken together, the filings and marketing point to a broader push toward modular, stripped-down coverage paired with digital identity and account management tools.