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 is known for its stronger customer experience and broader coverage.

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

Written by Mark Fitzpatrick

Updated: November 10, 2025

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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 (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.


$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 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.


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?

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 Discount	Saves money by combining policies (home and auto) with one insurer.	✅	✅
Homebuyer Discount	For new homeowners or recent buyers and builders.	✅	❌
Protective Device Discount	Cuts costs for installing 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: 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.	✅	✅
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 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

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’s average premiums is slightly lower at about $2,381 per year, compared to $2,454 with State Farm. Actual rates depend on factors like your location, coverage limits and credit history. To find the most accurate price, it’s best to get quotes from both insurers.

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?

According to MoneyGeek’s analysis, State Farm ranks slightly higher overall because of its strong customer satisfaction and coverage quality. Allstate is still a solid option for homeowners who want flexible coverage and extra ways to save. The better choice depends on whether you value lower rates or more personalized coverage.

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!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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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.