Allstate Insurance Review: Good Home Insurance Rates and Add-Ons
$2,960
$2,560
- Home insurance rates are 9% less than the national average
- Excellent complaint rating for auto insurance
- Generous discounts for bundling your home and auto insurance
- Add-on coverages for home-sharing and rideshare drivers
- Mileage-based car insurance available in 17 states
- Full-coverage car insurance costs 41% more than national average
- Gap insurance not available for auto policies
- Slightly subpar satisfaction scores for home and auto
Allstate insurance review: Is Allstate a good company?
Allstate is a particularly good company if you plan to bundle your home and auto insurance. Its low home rates offset its high auto costs, and you get a generous 25% discount for combining your home and auto policies. Allstate offers many other auto and home insurance discounts to help you save, too.
If you rent out rooms in your home or work as a rideshare driver, Allstate offers optional coverages that provide additional protection.
Allstate has an excellent complaint rating for car insurance from the National Association of Insurance Commissioners (NAIC). This score looks at confirmed complaints, which are complaints that lead to a finding of fault.
Allstate customer satisfaction reviews for home and auto insurance are slightly below average, according to J.D. Power.
Allstate customer-service ratings at a glance
| Rating category | Allstate’s score | Segment average |
|---|---|---|
| Auto insurance satisfaction (higher is better) | 634 | 637 |
| Home insurance satisfaction (higher is better) | 631 | 640 |
| Auto complaint rating (lower is better) | 0.71 | 1.0 |
| Home complaint rating (lower is better) | 1.3 | 1.0 |
Sources: J.D. Power 2024 U.S. Auto Insurance Study; J.D. Power 2024 U.S. Home Insurance Study; NAIC complaint records for 2022
How does Allstate compare to other insurance companies?
Allstate offers many of the same discounts its competitors do, as well some less common ones like discounts for going paperless, paying in full and signing up for automatic payments. Allstate doesn’t offer a multi-car policy discount, a break from many other major insurers.
Allstate also offers the most common optional coverages, as well as classic car insurance.
Auto insurance discount comparison
| Discount | Allstate | Geico | Progressive | State Farm | Travelers |
|---|---|---|---|---|---|
| Antitheft | Yes | Yes | No | Yes | No |
| Bundle | Yes | Yes | Yes | Yes | Yes |
| Multi-car | No | Yes | Yes | Yes | Yes |
| Safe driver | Yes | Yes | Yes | Yes | Yes |
| Good student | Yes | Yes | Yes | Yes | Yes |
| Away at school | No | No | Yes | Yes | Yes |
| Paperless | Yes | No | Yes | No | No |
| Pay in full | Yes | No | Yes | No | No |
| Automatic payment | Yes | No | Yes | No | No |
| New car | Yes | Yes | No | No | Yes |
Auto insurance add-on coverage comparison
| Add-on coverage | Allstate | Geico | Progressive | State Farm | Travelers |
|---|---|---|---|---|---|
| Gap insurance | Yes | No | Yes | No | Yes |
| Rental car reimbursement | Yes | Yes | Yes | Yes | Yes |
| Roadside assistance | Yes | Yes | Yes | Yes | Yes |
| Rideshare | Yes | Yes | Yes | Yes | Yes |
| Classic car | Yes | No | No | Yes | No |
How much is Allstate car insurance?
Allstate charges an average of $2,960 a year for full-coverage car insurance. That’s 41% higher than the national average ($2,101 a year).
Allstate’s liability-only car insurance rates average $1,344 a year, which is 62% higher than the national average ($829 a year).
But since car insurance rates vary by customer, be sure to shop around. And note that policies are usually more expensive for some drivers, such as teens, or those with DUIs or poor credit.
Full-coverage and liability car insurance by company
| Company | Full coverage annual rate | Liability-only annual rate | |
|---|---|---|---|
 | State Farm | $1,604 | $661 |
 | Travelers | $1,806 | $792 |
 | American Family | $2,019 | $751 |
 | Progressive | $2,078 | $801 |
 | Geico | $2,109 | $797 |
 | Nationwide | $2,402 | $1,024 |
 | Allstate | $2,960 | $1,344 |
 | Farmers | $3,462 | $1,363 |
Allstate’s car insurance rates by state
Allstate’s car insurance rates vary by state. The average cost of an Allstate full-coverage insurance policy ranges from $1,711 a year in Maine to $5,544 a year in Florida, for example.
Allstate car insurance rates by state
| State | Full coverage annual rate | Liability-only annual rate |
|---|---|---|
| Alabama | $2,487 | $1,267 |
| Alaska | $1,877 | $560 |
| Arizona | $3,866 | $1,734 |
| Arkansas | $3,242 | $1,203 |
| California | $2,160 | $849 |
| Colorado | $3,581 | $1,495 |
| Connecticut | $3,480 | $1,670 |
| Delaware | $4,960 | $2,881 |
| Florida | $5,544 | $2,243 |
| Georgia | $3,029 | $1,688 |
| Hawaii | $2,126 | $884 |
| Idaho | $2,004 | $814 |
| Illinois | $3,336 | $1,548 |
| Indiana | $2,414 | $1,075 |
| Iowa | $2,788 | $880 |
| Kansas | $3,168 | $1,319 |
| Kentucky | $5,042 | $2,264 |
| Louisiana | $2,978 | $991 |
| Maine | $1,711 | $812 |
| Maryland | $4,017 | $2,277 |
| Massachusetts | Not available | Not available |
| Michigan | $3,635 | $1,551 |
| Minnesota | $3,140 | $1,502 |
| Mississippi | $2,330 | $893 |
| Missouri | $3,028 | $1,278 |
| Montana | $2,700 | $982 |
| Nebraska | $2,772 | $1,056 |
| Nevada | $3,675 | $2,009 |
| New Hampshire | $2,338 | $1,221 |
| New Jersey | $2,782 | $1,526 |
| New Mexico | $2,581 | $1,194 |
| New York | $3,367 | $1,838 |
| North Carolina | $2,926 | $1,406 |
| North Dakota | $2,310 | $1,013 |
| Ohio | $2,139 | $957 |
| Oklahoma | $3,154 | $1,258 |
| Oregon | $3,294 | $1,952 |
| Pennsylvania | $2,731 | $1,143 |
| Rhode Island | $3,219 | $1,584 |
| South Carolina | $2,561 | $1,267 |
| South Dakota | Not available | Not available |
| Tennessee | $2,737 | $1,060 |
| Texas | $2,024 | $833 |
| Utah | $2,780 | $1,488 |
| Vermont | $1,780 | $522 |
| Virginia | $3,243 | $1,640 |
| Washington | $2,451 | $1,301 |
| Washington, D.C. | $4,421 | $2,087 |
| West Virginia | $2,580 | $1,081 |
| Wisconsin | $2,394 | $1,033 |
| Wyoming | $2,138 | $720 |
Car insurance discounts from Allstate
Allstate’s variety of discounts can add up to sizable savings, including average savings of 25% for bundling your home and car insurance.
It also has a DriveWise program. It uses a smartphone app to monitor your driving for unsafe speeding or hard braking — avoiding these behaviors can get you a discount when you renew.
Allstate’s pay-per-mile Milewise program can save you money if you only drive a few thousand miles or less each year. Unfortunately, Milewise is only available in 17 states.
Allstate also offers discounts for:
- Having a new car
- Having anti-lock brakes
- Having an anti-theft device
- Setting up automatic payments
- Going paperless with Allstate’s eSmart plan
- Signing your policy at least seven days before it begins
Allstate car insurance coverages
Besides normal auto insurance coverages, like liability and collision, Allstate has other handy options, such as:
- Deductible rewards: Reduces your deductible at no extra cost when you avoid accidents
- New car replacement: Replaces a new car after a total loss, with no deduction for depreciation
- Roadside assistance: This optional add-on costs $25 a year per vehicle
Allstate also has add-on coverage for rideshare drivers, called Ride for Hire. It bridges the gap between your personal auto coverage and the insurance your rideshare company provides.
Unfortunately, Allstate does not offer gap insurance or original equipment manufacturer (OEM) coverage.
How much does Allstate homeowners insurance cost?
Allstate charges an average of $2,560 a year for homeowners insurance. This rate is 9% less than the national average ($2,801 a year).
As with car insurance, rates will vary, so it’s worth comparing quotes from different companies to see what’s available.
Homeowners insurance rates by company
| Company | Annual rate |
|---|---|
| Erie | $2,055 |
| State Farm | $2,427 |
| Allstate | $2,560 |
| Country Financial | $2,827 |
| Nationwide | $3,055 |
| American Family | $3,072 |
| Travelers | $3,149 |
| Farmers | $3,801 |
Allstate home insurance rates by state
Hawaii residents enjoy Allstate’s cheapest average home insurance rate of $514 a year. Texas homeowners pay Allstate’s most expensive average rate at $5,858 a year.
Homeowners insurance companies use several factors besides where you live when calculating your quote, including:
- Age of your home
- Construction materials used
- Your insurance claims history
- Coverage limits
- Deductible
Allstate home insurance rates by state
| State | Annual rate |
|---|---|
| Alabama | $2,228 |
| Alaska | $1,566 |
| Arizona | $3,331 |
| Arkansas | $3,473 |
| California | $933 |
| Colorado | $4,120 |
| Connecticut | $1,737 |
| Delaware | $1,094 |
| Florida | Not available |
| Georgia | $3,100 |
| Hawaii | $514 |
| Idaho | $1,575 |
| Illinois | $2,225 |
| Indiana | $1,582 |
| Iowa | $2,807 |
| Kansas | $5,130 |
| Kentucky | $2,240 |
| Louisiana | $3,962 |
| Maine | $2,440 |
| Maryland | $2,173 |
| Massachusetts | Not available |
| Michigan | Not available |
| Minnesota | $3,371 |
| Mississippi | $4,835 |
| Missouri | $2,356 |
| Montana | $4,265 |
| Nebraska | $5,581 |
| Nevada | $1,565 |
| New Hampshire | $1,255 |
| New Jersey | $1,028 |
| New Mexico | $2,519 |
| New York | $1,719 |
| North Carolina | $3,055 |
| North Dakota | $2,776 |
| Ohio | $2,285 |
| Oklahoma | $5,553 |
| Oregon | $2,301 |
| Pennsylvania | $1,522 |
| Rhode Island | $2,209 |
| South Carolina | $1,274 |
| South Dakota | $3,366 |
| Tennessee | $3,242 |
| Texas | $5,858 |
| Utah | $1,339 |
| Vermont | $768 |
| Virginia | $3,023 |
| Washington | $1,061 |
| Washington, D.C. | $1,465 |
| West Virginia | $2,128 |
| Wisconsin | $2,113 |
| Wyoming | $2,841 |
Home insurance discounts from Allstate
Just as with its car policies, Allstate homeowners insurance has many discounts available, including:
- Bundling your home and auto insurance
- Having a newly constructed home
- Being a recent homebuyer
- Having theft or fire protection devices
- Having a good payment history
- Not having recent home insurance claims
Allstate home insurance coverages
Allstate’s standard home insurance coverages provide the usual protections, along with several add-ons that might also be valuable.
For example, extra coverage for water backups and for valuables such as jewelry can be worth the added cost.
Other optional home insurance add-ons from Allstate include:
- Replacement cost coverage
- Eco-friendly replacements for damaged home systems and appliances
- Enhanced coverage for sports equipment and musical instruments
Allstate’s HostAdvantage increases the protections for your belongings if you rent your home out for short periods.
How much is Allstate renters insurance?
Allstate charges an average of $17 a month for renters insurance. This is 6% less than the national average renters insurance rate of $18 a month.
What you pay for renters insurance is based on several factors, including:
- Where you live
- How much personal property coverage you get
- Your deductible
- Claims history
- Credit rating in some states
Renters insurance isn’t required by state law, but landlords often require renters to have it as part of a rental agreement.
Allstate renters insurance rates by state
| State | Monthly rate |
|---|---|
| Alabama | $28 |
| Alaska | $21 |
| Arizona | $24 |
| Arkansas | $30 |
| California | $18 |
| Colorado | $20 |
| Connecticut | $16 |
| Delaware | $17 |
| Florida | $23 |
| Georgia | $30 |
| Hawaii | $21 |
| Idaho | $19 |
| Illinois | $20 |
| Indiana | $21 |
| Iowa | $18 |
| Kansas | $22 |
| Kentucky | $23 |
| Louisiana | $32 |
| Maine | $15 |
| Maryland | $21 |
| Massachusetts | $16 |
| Michigan | $27 |
| Minnesota | $18 |
| Mississippi | $32 |
| Missouri | $24 |
| Montana | $15 |
| Nebraska | $20 |
| Nevada | $19 |
| New Hampshire | $16 |
| New Jersey | $16 |
| New Mexico | $19 |
| New York | $16 |
| North Carolina | $15 |
| North Dakota | $15 |
| Ohio | $25 |
| Oklahoma | $27 |
| Oregon | $19 |
| Pennsylvania | $19 |
| Rhode Island | $17 |
| South Carolina | $19 |
| South Dakota | $19 |
| Tennessee | $22 |
| Texas | $23 |
| Utah | $21 |
| Vermont | $15 |
| Virginia | $18 |
| Washington | $15 |
| West Virginia | $17 |
| Wisconsin | $17 |
| Wyoming | $15 |
Methodology
LendingTree obtains insurance rates from public filings reported to Quadrant Information Services.
Allstate’s car insurance rates are based on an analysis of quotes for typical drivers in 46 states and the District of Columbia. Home insurance rates are based on quotes for typical homes in 47 states and the District of Columbia.
Liability-only car insurance policies meet each state’s minimum car insurance laws. Full-coverage policies include:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured motorist bodily injury: $50,000 per person, $100,000 per accident
- Collision: $500 deductible
- Comprehensive: $500 deductible
- Personal injury protection: Minimum limits, where required
—
Home insurance policies include:
- Dwelling limit: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Medical payments: $5,000
- Deductible: $1,000
—
Renters insurance policies include:
- Personal property coverage: $20,000
- Deductible: $500
- Personal liability: $100,000
- Guest medical protection: $1,000
- Loss of use: $9,000
—
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings, and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.