How to Play Lotto America: Complete Guide to Rules, Prizes & Odds
Lotto America is a multi-state lottery currently offered in 13 U.S. states. Drawings are held every Monday, Wednesday, and Saturday at 10:00 p.m. Central Time. The jackpot starts at $2 million and rolls over until won. An optional All Star Bonus multiplier can multiply non-jackpot prizes by up to 5x.
How to Play Lotto America: Step by Step
- 1
Pick your white ball numbers
Choose five different numbers from 1 to 52.
- 2
Pick your Star Ball number
Choose one Star Ball number from 1 to 10.
- 3
Add the All Star Bonus (optional)
For an extra $1 per play, add the All Star Bonus multiplier — it multiplies any non-jackpot prize by 2x, 3x, 4x, or 5x.
- 4
Use Quick Pick if you prefer
Mark Quick Pick and the terminal will randomly select your numbers for you.
- 5
Check the results
Drawings are held Monday, Wednesday, and Saturday at 10:00 p.m. Central Time.
Lotto America Prize Tiers & Odds
There are 9 ways to win a Lotto America prize. The overall odds of winning any prize are 1 in 9.63.
| Match | Prize | Odds of Winning |
|---|---|---|
| 5 white balls + Star Ball | Jackpot | 1 in 25,989,600 |
| 5 white balls | $20,000 | 1 in 2,887,733 |
| 4 white balls + Star Ball | $1,000 | 1 in 110,594 |
| 4 white balls | $100 | 1 in 12,288 |
| 3 white balls + Star Ball | $20 | 1 in 2,404 |
| 3 white balls | $5 | 1 in 267 |
| 2 white balls + Star Ball | $5 | 1 in 160 |
| 1 white ball + Star Ball | $2 | 1 in 29 |
| Star Ball only | $2 | 1 in 17 |
The All Star Bonus Multiplier
Add the All Star Bonus for $1 extra per play. When you win any non-jackpot prize, it's multiplied by the drawn All Star Bonus number (2x, 3x, 4x, or 5x).
| Match | Base Prize | 2x | 3x | 4x | 5x | 10x |
|---|---|---|---|---|---|---|
| 5 white balls | $20,000 | $40,000 | $60,000 | $80,000 | $100,000 | — |
| 4 + Star Ball | $1,000 | $2,000 | $3,000 | $4,000 | $5,000 | — |
| 4 white balls | $100 | $200 | $300 | $400 | $500 | — |
| 3 + Star Ball | $20 | $40 | $60 | $80 | $100 | — |
| 3 white balls | $5 | $10 | $15 | $20 | $25 | — |
| 2 + Star Ball | $5 | $10 | $15 | $20 | $25 | — |
| 1 + Star Ball | $2 | $4 | $6 | $8 | $10 | — |
| Star Ball only | $2 | $4 | $6 | $8 | $10 | — |
The All Star Bonus does not apply to the jackpot prize.
How the Lotto America Jackpot Works
The Lotto America jackpot starts at $2 million and grows with every drawing where no one matches all six numbers.
- Annuity: 30 annual payments over 29 years, with each payment 5% larger than the last.
- Cash (Lump Sum): A single one-time payment equal to the cash value of the jackpot prize pool.
If multiple tickets match all six winning numbers, the jackpot is divided equally among all winning plays.
Lotto America Drawing Schedule
| Day | Drawing Time (Eastern) |
|---|---|
| Monday | 10:00 p.m. CT |
| Wednesday | 10:00 p.m. CT |
| Saturday | 10:00 p.m. CT |
Ticket sales close before each drawing — cutoff times vary by state.
How to Claim a Lotto America Prize
- Small prizes (typically under $600): Claim at any authorized lottery retailer.
- Prizes $600 and above: Complete a claim form and visit a lottery office.
- Jackpot: Must be claimed in person at the lottery headquarters in the state where the winning ticket was purchased.
- Claim deadline: Usually 180 days to 1 year from the drawing date — varies by state.
Sign the back of your ticket immediately. All prizes must be claimed in the state where the ticket was purchased.
Lotto America Taxes
Federal withholding
The IRS requires 24% to be withheld automatically from prizes over $5,000.
State taxes
Most participating states withhold state income tax. Rates vary by state.
Annuity vs. lump sum taxes
The lump sum is taxed in full in the year you receive it; annuity payments are taxed as ordinary income each year.
Lotto America Quick Facts
| Ticket price | $1 per play (+ $1 for All Star Bonus) |
| White ball range | 1–52 |
| Star Ball range | 1–10 |
| Drawing days | Mon, Wed, Sat |
| Drawing time | 10:00 p.m. CT |
| Starting jackpot | $2 million |
| Overall odds | 1 in 9.63 |
| Jackpot odds | 1 in 25,989,600 |
| Ways to win | 9 |
Frequently Asked Questions
Results are unofficial. Always verify winning numbers with your official state lottery. USA Lottery Club is independent and not affiliated with Lotto America or any state lottery.