Allstate vs. State Farm: Home Insurance Comparison

MoneyGeek’s analysis shows State Farm slightly outperforms Allstate overall, earning a score of 4.66 out of 5 compared to Allstate’s 4.33. While Allstate offers slightly cheaper average premiums, State Farm stands out for stronger customer experience and broader coverage.

Find out if you're overpaying for homeowners insurance below.

By Mark Fitzpatrick

Edited by Victoria Copans

Updated: October 13, 2025

Advertising & Editorial Disclosure

Key Takeaways

Allstate’s average annual premium is slightly lower than State Farm’s, costing about $2,381 per year compared to $2,454.

Allstate features discounts for responsible payment history, green home upgrades and automatic payments, while State Farm offers savings for roofing and wildfire mitigation in select states.

Both insurers include optional coverages for personal property, water backup and identity theft, but Allstate stands out with extra protections like green improvement reimbursement.

Allstate vs. State Farm: Overall Comparison

MoneyGeek compared State Farm and Allstate homeowners insurance using a custom scoring model that measures affordability, customer satisfaction and coverage strength.

Affordability: Allstate has a slight edge in pricing, averaging $2,381 per year compared to State Farm’s $2,454.
Customer Experience: State Farm leads in service quality, earning a 4.58 out of 5 for customer satisfaction and claims support.
Coverage: State Farm also performs better in coverage, scoring 4.03 out of 5 versus Allstate’s 3.69.


Allstate	$2,381	4.33	4.75	3.88	3.69
State Farm	$2,454	4.66	4.88	4.58	4.03

State Farm vs. Allstate: Which Company is Cheaper Overall?

Allstate offers slightly lower average home insurance premiums than State Farm at $2,381 per year compared to $2,454. However, actual costs can differ depending on factors like your home’s location, coverage limits and credit profile.

Which Company Is Cheaper Based on Dwelling Coverage Amount?

Dwelling coverage helps pay to repair or rebuild your home after a covered loss, so your coverage limit should reflect your home’s full replacement cost.

Although Allstate’s average premium is slightly lower overall, State Farm remains competitively priced across most coverage levels. Compare estimated home insurance costs for State Farm and Allstate below, assuming a $1,000 deductible.


$100K Dwelling / $50K Personal Property / $100K Liability	$1,623	$1,301
$250K Dwelling / $125K Personal Property / $200K Liability	$2,381	$2,454
$500K Dwelling / $250K Personal Property / $300K Liability	$3,656	$3,806
$750K Dwelling / $375K Personal Property / $500K Liability	$4,919	$5,340
$1MM Dwelling / $500K Personal Property / $1MM Liability	$6,359	$7,048

How Much Does Each Company Cost by State?

Beyond coverage limits, your location also plays a major role in how much you’ll pay for homeowners insurance with State Farm or Allstate.

Allstate offers lower rates in several states, including Illinois and Delaware, while State Farm proves more affordable in places like Hawaii and Arizona. The table below compares average annual premiums for both insurers based on $250,000 in dwelling coverage.


Alabama	No Data	$2,703
Alaska	$1,881	$1,315
Arizona	$2,520	$1,339
Arkansas	$4,595	$3,066
Colorado	$2,796	$2,349
Connecticut	No Data	$1,899
Delaware	$953	$999
District of Columbia	$1,409	$1,317
Florida	No Data	$3,727
Georgia	$2,112	$2,667
Hawaii	$608	$433
Idaho	$2,120	$1,253
Illinois	$1,064	$1,728
Indiana	No Data	$2,006
Iowa	$3,012	$2,215
Kansas	$3,549	$3,007
Kentucky	$2,663	$2,384
Louisiana	$4,556	$4,503
Maine	$1,775	$857
Maryland	$3,671	$1,553
Michigan	$3,561	$1,970
Minnesota	$3,432	$2,706
Mississippi	$5,123	$4,358
Missouri	$3,539	$2,955
Montana	$3,332	$2,397
Nebraska	$4,399	$3,865
Nevada	$1,089	$1,188
New Hampshire	$1,175	$1,009
New Jersey	No Data	$1,338
New Mexico	No Data	$1,568
New York	$2,217	$981
North Carolina	No Data	$1,276
North Dakota	$1,892	$2,741
Ohio	$1,467	$1,497
Oklahoma	$3,508	$3,220
Oregon	$1,124	$1,207
Pennsylvania	$1,263	$1,423
Rhode Island	$3,472	$1,184
South Carolina	$2,455	$2,067
South Dakota	$2,743	$2,895
Tennessee	$2,465	$2,231
Texas	No Data	$4,457
Utah	$1,657	$1,127
Vermont	$928	$1,022
Virginia	$2,273	$1,553
Washington	$1,137	$1,373
West Virginia	$2,026	$1,468
Wisconsin	$1,200	$1,371
Wyoming	$2,717	$1,554

*Note: In states where State Farm or Allstate is not available, “No Data” will be shown.

Which Company Has More Discounts?

Both Allstate and State Farm offer several home insurance discounts that reward safe homeowners and encourage proactive protection. Allstate focuses on broad, easy-to-qualify savings, including eco-friendly and claims-free discounts, while State Farm provides additional incentives tied to home upgrades and regional risk mitigation.


Multi-Policy / Bundle Discount	Save when you combine multiple policies, such as home and auto, with the same insurer.	✅	✅
Homebuyer Discount	Available to new homeowners or those who recently purchased or built a home.	✅	❌
Protective Device Discount	Earn savings for installing safety or security devices like smoke detectors, fire alarms or burglar alarms.	✅	✅
Claim-Free Discount	Get a discount for maintaining a clean claims record or switching without recent claims.	✅	❌
Responsible Payer Discount	Rewards customers for on-time or full premium payments and good payment history.	✅	❌
Early Signing Discount	Save when you start a new policy at least seven days before your current one expires.	✅	❌
Loyalty / Welcome Discount	Receive ongoing savings just for joining Allstate and staying insured year after year.	✅	❌
Easy Pay Plan® Discount	Offers savings when you set up automatic payments for your policy.	✅	❌
Windstorm Mitigation Discount	Available in select states (like Florida) for homes with wind-resistant construction or verified mitigation features.	✅	❌
Roofing Discount	Provides savings for using approved impact- or hail-resistant roofing materials.	❌	✅
Wildfire Mitigation Discount	Offered in certain regions for homes that meet wildfire prevention and safety standards.	❌	✅

*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.

State Farm vs. Allstate: Which Company Has Better Customer Service?

Reliable customer service is just as important as affordable home insurance rates, especially when you’re filing a claim or need fast support after a loss.

Based on MoneyGeek’s analysis, State Farm performs better than Allstate in overall satisfaction, earning a 4.58 out of 5 compared to Allstate’s 3.88. These results, informed by J.D. Power data, highlight State Farm’s stronger reputation for responsiveness and claims handling.

Allstate vs. State Farm: Which Company Has More Optional Coverages?

A typical homeowners insurance policy covers your home, belongings and liability, but optional add-ons can enhance protection for specific needs.

Allstate distinguishes itself with extras like green improvement reimbursement and coverage for musical instruments or business property, while State Farm provides strong core options that can vary by state.


Scheduled Personal Property	Provides higher limits and broader protection for valuable items such as jewelry, antiques or collectibles. May include replacement cost coverage or a separate personal articles policy for specific items.	✅	✅
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.	✅	✅
Identity Theft Restoration / Cyber Event	Helps cover expenses like legal fees and lost wages if your identity is stolen or compromised in a cyber incident.	✅	✅
Guaranteed Replacement Cost	Provides additional funds to rebuild your home if repair costs exceed your dwelling coverage limit after a covered loss.	❌	✅
Business Property	Increases limits for business-related items stored in your home, such as inventory or work equipment.	✅	❌
Sports Equipment	Offers extra protection for costly sporting gear, such as golf clubs, skis or bicycles.	✅	❌
Green Improvement Reimbursement / Energy Efficiency Upgrade	Helps pay to replace or rebuild with more energy-efficient or eco-friendly materials after a covered loss.	✅	❌
Yard and Garden	Expands coverage for landscaping, trees and outdoor equipment such as lawn mowers.	✅	❌
Electronic Data Recovery	Covers costs to recover lost or corrupted personal computer data, such as photos or videos.	✅	❌
Musical Instruments	Increases protection limits for valuable instruments like guitars, violins or pianos.	✅	❌

*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.

COMPARE STATE FARM HOME INSURANCE WITH OTHER COMPANIES

State Farm vs. Allstate Homeowners Insurance: Bottom Line

MoneyGeek’s analysis shows that State Farm slightly edges out Allstate overall, earning a 4.66 out of 5 compared to Allstate’s 4.33. Although Allstate offers marginally lower average premiums at $2,381 per year versus State Farm’s $2,454, State Farm leads in customer satisfaction and coverage quality.

Both insurers offer a wide range of discounts and solid protection, but Allstate shines with options like green improvement reimbursement and specialty item coverage, while State Farm stands out for its dependable service and strong claims support.

State Farm & Allstate Insurance: FAQ

Choosing between State Farm and Allstate comes down to what you value most: price, customer experience or extra coverage features. Below are answers to common questions to help you decide which insurer best fits your needs.

Which is cheaper, State Farm or Allstate?

Allstate offers slightly lower average premiums at around $2,381 per year, compared to State Farm’s $2,454. However, actual costs vary by factors such as your location, coverage limits and credit history. Getting personalized quotes from both companies is the best way to find your most accurate rate.

Which company has better customer service?

State Farm earns higher marks for customer experience, with a 4.58 out of 5 rating compared to Allstate’s 3.88. Homeowners tend to rate State Farm higher for claims support and responsiveness, while Allstate still provides dependable service and helpful local agents.

Which company offers more home insurance discounts?

Allstate provides a broader selection of discounts, including savings for automatic payments, responsible payment history and green home improvements. State Farm, meanwhile, focuses on regional and safety-based discounts, such as roofing and wildfire mitigation incentives. Availability varies by state, so check with a local agent to confirm which discounts apply to you.

Is State Farm or Allstate better overall for homeowners insurance?

MoneyGeek’s analysis shows State Farm has a slight overall edge thanks to stronger customer satisfaction and coverage quality. Allstate remains a great choice for homeowners looking for customizable options and added savings opportunities. Your ideal pick will depend on whether you prioritize lower rates or a more personalized coverage experience.

Allstate & State Farm Home Insurance Rates: Our Methodology

MoneyGeek evaluated both Allstate and State Farm homeowners insurance policies using a consistent national profile to compare affordability, customer satisfaction and coverage options.

Our analysis was based on the following sample homeowner profile:

40-year-old homeowner
2,500-square-foot single-family home
$250,000 dwelling coverage
$125,000 personal property coverage
$200,000 liability coverage
Good credit
No home insurance claims in the past five years

We applied the same weighted scoring system to both insurers:

Affordability (55%): Compared each company’s average premiums against national benchmarks and key competitors.
Customer Experience (35%): Considered J.D. Power satisfaction data, claims service quality and ease of customer support.
Coverage (10%): Measured the range and distinctiveness of optional coverages offered by each provider.

Allstate Insurance vs. State Farm: Related Pages

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.

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sources

J.D. Power. "Home Insurance Study." Accessed October 25, 2024.
LEED. "LEED Rating System." Accessed October 25, 2024.
Allstate. "Optional Homeowners Coverage." Accessed October 10, 2025.
Allstate. "Home Insurance Discounts." Accessed October 10, 2025.