Allstate vs. Farmers: Home Insurance Comparison

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Updated: July 10, 2026

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Allstate vs. Farmers Home Insurance: Key Takeaways
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For $250,000 in dwelling coverage, Farmers' home insurance costs $157 less annually compared to Allstate, but Allstate is cheaper for those with poor credit or those who need higher coverage.

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Allstate is the better pick for homeowners who want niche endorsements, like coverage for sports equipment and musical instruments.

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With 12 discount options to qualify for, Farmers is best for homeowners who are looking for additional ways to get affordable coverage.

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Allstate vs. Farmers: Overall Comparison

MoneyGeek compared Allstate vs. Farmers home insurance policies based on a score that balances affordability, customer satisfaction and coverage options. Our analysis shows that both Allstate and Farmers earn high scores overall, but the best home insurance for you depends on your profile.

  • Affordability: Farmers scores 4.56 vs. Allstate's 4.52 in affordability, but when we compared all 2,700 profile combinations, Allstate came out cheaper for homeowners with poor credit ($8,458 vs. Farmers' $10,719) and for coverage tiers at $500,000 and above. If your credit is less than good or you're insuring a high-value home, Allstate's pricing structure works in your favor despite the lower overall score.
  • Customer Experience: Farmers leads 4.26 to 3.88, the widest gap between the two insurers. Homeowners who want a smoother claims process should opt for Farmers.
  • Coverage: Homeowners looking for additional coverage should opt for Allstate. With a 3.69 score against Farmers' 3.47, Allstate offers nine endorsements for niche needs.
Farmers$2,7854.34.564.263.47
Allstate$2,9424.24.523.883.69
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FARMERS VS. ALLSTATE: WHICH ONE IS BEST?

Farmers wins for most standard profiles and for homeowners who weight service quality highly. Allstate is the better fit if you have poor credit, insure a high-value home, or want the widest endorsement selection.

Farmers vs. Allstate: Which Company Is Cheaper Overall?

Farmers averages $2,785 per year for MoneyGeek's standard homeowner, compared to $2,942 with Allstate. That gap mostly holds for average-risk homeowners, but Allstate was actually cheaper in 1,314 out of 2,700 profile combinations in MoneyGeek's analysis. Credit score is where the difference is most clear. Homeowners with poor credit pay $8,458 per year with Allstate, compared with $10,719 with Farmers. Farmers is the better deal when credit is strong and coverage needs are modest.

Data filtered by:
$1,000
Middle Age
Middle Aged (41-60)
Good
Claim free for 5+ years
$100K Dwelling / $50K Personal Property / $100K Liability$1,705$1,528
$250K Dwelling / $125K Personal Property / $200K Liability$2,942$2,785
$500K Dwelling / $250K Personal Property / $300K Liability$4,753$5,262
$750K Dwelling / $375K Personal Property / $500K Liability$6,680$7,495
$1MM Dwelling / $500K Personal Property / $1MM Liability$8,696$9,623

How Much Does Each Company Cost by State?

State-by-state, the cost difference between Allstate and Farmers swings widely: $7 in Oregon versus $5,425 in Oklahoma. That range shows the national average tells you less than your own state's numbers do. Allstate comes in cheaper across parts of the Southeast and Midwest, including Georgia, Illinois and North Dakota. Farmers wins nearly everywhere else, sometimes by a lot: $1,755 in Maryland, $1,460 in Michigan and $803 in New York.

Alabama$3,274$5,138
Arizona$2,023$2,520
Arkansas$3,717$4,595
California$1,142$1,496
Colorado$6,738$2,796
Connecticut$1,575$2,559
Georgia$2,761$2,112
Idaho$1,600$2,120
Illinois$1,564$1,064
Indiana$2,205$3,433
Iowa$1,850$3,012
Kansas$2,974$3,549
Maine$1,337$1,768
Maryland$1,916$3,671
Massachusetts$1,256$2,674
Michigan$2,063$3,523
Minnesota$2,316$3,403
Montana$4,155$3,332
Nebraska$3,733$4,399
Nevada$1,197$1,085
New Hampshire$1,287$1,175
New Jersey$1,325No Data
New York$1,414$2,217
North Carolina$5,840No Data
North Dakota$3,760$1,882
Ohio$1,263$1,467
Oklahoma$8,933$3,508
Oregon$1,131$1,124
Pennsylvania$1,885$1,263
Rhode Island$2,066$3,472
South Dakota$2,511$2,743
Texas$5,790No Data
Utah$826$1,653
Virginia$1,953$2,273

Note: In states where MoneyGeek could not get Farmers or Allstate quotes, "No Data" will be shown. The rates above represent a policy with $250,000 in dwelling coverage and a sample homeowner profile.

Allstate vs. Farmers: Which Company Has More Home Insurance Discounts?

Farmers offers 12 discount programs to Allstate's eight. The extra options include things Allstate doesn't have at all, like discounts for ENERGY STAR or LEED-certified homes, renters switching to a home policy and smart home monitoring systems. Allstate's shorter list has its own exclusives: an Early Signing Discount and a Windstorm Mitigation Discount. If storm-readiness or payment timing is where you're looking to save, Allstate covers that. If your home is newer, smart or recently upgraded, Farmers' side of the list is worth a closer look.

Multi-Policy (Bundle)
Save when you bundle home and auto policies with the same insurer.
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Claim-Free
Rewards policyholders who haven't filed a recent home insurance claim.
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Protective Devices
Savings for homes with fire alarms, security systems, sprinklers or approved roofing materials.
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Preferred/Automatic Payment
Offers savings for paying in full, in installments or through automatic monthly payments.
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Good Payer / Responsible Payer
Rewards customers who consistently pay premiums on time or in full.
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Home Buyer / New Home
Discount for recently purchased homes or newly constructed properties.
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Early Signing
Earn a lower rate when you sign up at least seven days before your current policy expires.
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Windstorm Mitigation
Available to homeowners whose homes have verified wind-resistant features that reduce storm damage risk.
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Affinity / Group
Savings for members of qualifying professions, degree holders or armed forces personnel.
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ePolicy (Paperless)
Discount for enrolling in electronic policy delivery.
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Farmers GroupSelect
Exclusive savings for employees or members of participating companies or associations.
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Rent to Own
Applies to renters who switch to a home policy after holding a Farmers renters policy for at least one year.
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Connected Home
Discount for smart homes with systems that allow remote monitoring or control.
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Home Safety
Available for homes with leak detection devices, gas shutoff systems or fortified structures.
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Green Certifications
Rewards homeowners with ENERGY STAR, LEED or EPA-certified homes.
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Note: List of discounts is based on what's available on the provider's website at the time of writing. Actual availability of discounts varies by state. Speak with your agent to see what discounts you qualify for.

Farmers vs. Allstate: Which Company Has Better Customer Service?

Farmers scores 4.26 on MoneyGeek's customer experience model, versus 3.88 for Allstate, driven largely by J.D. Power satisfaction surveys and claims service ratings. Allstate's edge is its large local agent network, giving homeowners in-person access for policy questions, changes and renewals. Choose Farmers if post-claim experience is the priority. Choose Allstate if you want a person nearby for day-to-day questions.

Allstate vs. Farmers: Which Company Has More Optional Coverages?

Allstate offers nine optional endorsements compared to Farmers' five. Allstate's extras include niche endorsements that cover sports equipment, musical instruments, yard and garden and electronic data recovery, none of which Farmers carries. Farmers has two endorsements Allstate doesn't: one that pays to replace undamaged finishes so a repaired area matches the rest of the home, and one that eliminates your deductible when glass breaks accidentally.

Scheduled Personal Property
Provides higher limits and broader financial protection for valuable items such as jewelry, antiques or collectibles at full replacement cost.
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Water Backup and Sump Overflow
Covers water damage caused by a backed-up drain, sewer or sump pump overflow. Flooding from surface water is excluded.
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Identity Theft Restoration / Fraud Expense
Reimburses legal fees, lost wages and credit monitoring costs if your identity is stolen or compromised.
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Business Property
Extends coverage for business equipment and inventory kept in your home beyond standard limits.
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Sports Equipment
Covers expensive athletic gear including golf clubs, skis and similar items.
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Green Improvement Reimbursement
Reimburses the extra cost of replacing damaged items with energy-efficient alternatives after a covered loss.
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Yard and Garden
Covers landscaping, trees and riding lawn mowers on your property.
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Electronic Data Recovery
Restores lost computer data including photos, videos and important documents.
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Musical Instruments
Covers guitars, violins and other musical instruments at their actual value.
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Matching of Undamaged Property
Replaces undamaged parts of your home so new repairs match existing finishes like siding, flooring or countertops.
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Residence Glass Coverage
Eliminates your deductible when glass breaks accidentally and covers cracked windows and shattered patio doors.
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Note: List of coverages is based on what's available on the provider's website at the time of writing. Actual availability of coverages varies by state. Speak with your agent to see what coverage is offered in your state.

Farmers vs. Allstate Homeowners Insurance: Bottom Line

Farmers is the better pick for most homeowners, earning a 4.30 out of 5 and costing $157 less per year than Allstate for the same coverage profile. Its 12 discount programs and higher customer satisfaction score give it an edge on both price and service. Allstate is the right choice for homeowners who want niche endorsements like Sports Equipment, Green Improvement Reimbursement and Electronic Data Recovery that Farmers doesn't offer.

Comparing quotes from both insurers for your home profile and location is the most reliable way to find cheap homeowners insurance without sacrificing the add-ons you need.

Compare Insurance Rates

Get the best rate for your insurance. Compare quotes from the top insurance companies.

Farmers and Allstate Home Insurance: Frequently Asked Questions

Here's what homeowners commonly ask when choosing between Farmers and Allstate home insurance.

MoneyGeek evaluated both Allstate and Farmers homeowners insurance policies using a consistent national profile to compare affordability, customer satisfaction and coverage options. Our analysis was based on a 40-year-old homeowner with a 2,500-square-foot single-family home, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage, good credit and no home insurance claims in the past five years. We applied a weighted scoring system: affordability (55%), customer experience (35%) and coverage (10%). For a full explanation of our process, see our homeowners insurance methodology.

About Mark Fitzpatrick

Mark Fitzpatrick, Licensed P&C Insurance Expert, MoneyGeek

Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the market, first at LendingTree and now at MoneyGeek, where he analyzes hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.

Mark studied at Boston College before earning a master's in economics and international relations from Johns Hopkins University. Before MoneyGeek, he worked in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.

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