Allstate vs. State Farm: Home Insurance Comparison

Updated: May 7, 2026

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

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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.

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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$2,3814.324.743.873.69
State Farm$2,4544.664.874.574.03

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 (subject to policy terms, conditions, and deductibles), 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.

$1MM Dwelling / $500K Personal Property / $1MM Liability$6,359$7,048
$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

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 cheaper rates in some states, such as Illinois and Delaware, while State Farm tends to be more affordable in Hawaii and Arizona. The table below compares average annual premiums for both insurers based on $250,000 in dwelling coverage.

AlabamaNo Data$2,703
ConnecticutNo Data$1,899
FloridaNo Data$3,727
IndianaNo Data$2,006
New JerseyNo Data$1,338
New MexicoNo Data$1,568
North CarolinaNo Data$1,276
TexasNo Data$4,457
Hawaii$608$433
Vermont$928$1,022
Delaware$953$999
Illinois$1,064$1,728
Nevada$1,089$1,188
Oregon$1,124$1,207
Washington$1,137$1,373
New Hampshire$1,175$1,009
Wisconsin$1,200$1,371
Pennsylvania$1,263$1,423
District of Columbia$1,409$1,317
Ohio$1,467$1,497
Utah$1,657$1,127
Maine$1,775$857
Alaska$1,881$1,315
North Dakota$1,892$2,741
West Virginia$2,026$1,468
Georgia$2,112$2,667
Idaho$2,120$1,253
New York$2,217$981
Virginia$2,273$1,553
South Carolina$2,455$2,067
Tennessee$2,465$2,231
Arizona$2,520$1,339
Kentucky$2,663$2,384
Wyoming$2,717$1,554
South Dakota$2,743$2,895
Colorado$2,796$2,349
Iowa$3,012$2,215
Montana$3,332$2,397
Minnesota$3,432$2,706
Rhode Island$3,472$1,184
Oklahoma$3,508$3,220
Missouri$3,539$2,955
Kansas$3,549$3,007
Michigan$3,561$1,970
Maryland$3,671$1,553
Nebraska$4,399$3,865
Louisiana$4,556$4,503
Arkansas$4,595$3,066
Mississippi$5,123$4,358

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

Which Company Has More Discounts?

Allstate and State Farm reward safe homeowners with multiple discounts. Allstate offers broad, easy-to-qualify savings like eco-friendly and claims-free discounts. State Farm focuses on home upgrades and regional risk mitigation.

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

*Note: Discount list reflects provider websites at publication. Availability varies by state. Ask your agent about eligibility.

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

Reliable customer service matters as much as affordable home insurance rates, especially when filing claims or needing fast support after a loss.

MoneyGeek's analysis shows State Farm beats Allstate in overall satisfaction, scoring 4.58 out of 5 versus Allstate's 3.88. J.D. Power data confirms State Farm's stronger reputation for responsiveness and claims handling.

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

Homeowners insurance protects the place you call home, your belongings, and your financial security. You can also add optional coverages to get extra protection that fits your 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.
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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 / Cyber Event
Helps cover expenses like legal fees and lost wages if your identity is stolen or compromised in a cyber incident.
✅
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Guaranteed Replacement Cost
Provides additional funds to rebuild your home if repair costs exceed your dwelling coverage limit after a covered loss.
❌
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Business Property
Increases limits for business-related items stored in your home, such as inventory or work equipment.
✅
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Sports Equipment
Offers extra protection for costly sporting gear, such as golf clubs, skis or bicycles.
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Green Improvement Reimbursement / Energy Efficiency Upgrade
Helps pay to replace or rebuild with more energy-efficient or eco-friendly materials after a covered loss.
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Yard and Garden
Expands coverage for landscaping, trees and outdoor equipment such as lawn mowers.
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Electronic Data Recovery
Covers costs to recover lost or corrupted personal computer data, such as photos or videos.
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Musical Instruments
Increases protection limits for valuable instruments like guitars, violins or pianos.
✅
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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.

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State Farm vs. Allstate Homeowners Insurance: Bottom Line

MoneyGeek's analysis shows State Farm edges out Allstate overall, scoring 4.66 out of 5 versus Allstate's 4.33. Allstate charges slightly less at $2,381 per year compared to State Farm's $2,454, but State Farm leads in customer satisfaction and coverage quality.

Both companies deliver dependable coverage and multiple discounts. Allstate includes green improvement reimbursement and specialty item protection. State Farm excels in consistent service and responsive claims handling.

State Farm & Allstate Insurance: FAQ

Which is cheaper, State Farm or Allstate?

Which company has better customer service?

Which company offers more home insurance discounts?

Is State Farm or Allstate better overall for homeowners insurance?

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

Allstate Insurance vs. State Farm: Related Pages

About Mark Fitzpatrick

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Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers. 

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships. 

His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others. 

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!

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