Considering affordability, customer service, coverage and financial stability, Allstate ranks fifth overall in the nation for home insurance. Allstate offers the most affordable home insurance rates for newer and older homes, ranking highly in financial stability. Review our ratings below.
Allstate Home Insurance Review
Updated: June 25, 2025
Advertising & Editorial Disclosure
Key Takeaways
Allstate ranks fourth overall for home insurance affordability, with particularly low premiums for newer homes.
Allstate ranks second in the nation for financial stability, with strong customer satisfaction ratings.
Allstate ranks fourth overall for coverage options, offering a variety of insurance plans with add-on options like yard and garden coverage and coverage for energy-efficient upgrades.
Allstate Home Insurance Ratings
| Overall Rating | 66 | 5 |
| Affordability | 42 | 4 |
| Customer Satisfaction | 16 | 5 |
| Coverage | 5 | 4 |
| Financial Stability | 3 | 2 |
*Scores are based on a 2,500-square-foot home, $250,000 dwelling coverage and a $1,000 deductible.
Allstate Home Insurance Ratings by State
While Allstate ranks within the top five nationally, these ratings can vary depending on your state. The table below shows how the company stacks up by location.
| Alabama | 73 | 6 |
| Alaska | 40 | 4 |
| Arizona | 65 | 6 |
| Arkansas | 74 | 5 |
| California | 83 | 2 |
| Colorado | 53 | 5 |
| Connecticut | 80 | 4 |
| District of Columbia | 51 | 4 |
| Florida | 74 | 5 |
| Georgia | 58 | 4 |
| Hawaii | 73 | 5 |
| Idaho | 54 | 6 |
| Illinois | 71 | 6 |
| Indiana | 73 | 6 |
| Iowa | 38 | 7 |
| Kansas | 64 | 6 |
| Louisiana | 82 | 5 |
| Maine | 60 | 6 |
| Maryland | 64 | 6 |
| Massachusetts | 61 | 6 |
| Mississippi | 73 | 5 |
| Missouri | 44 | 7 |
| Montana | 81 | 5 |
| Nebraska | 69 | 5 |
| New Hampshire | 57 | 4 |
| New York | 40 | 8 |
| North Dakota | 78 | 5 |
| Ohio | 70 | 6 |
| Oklahoma | 79 | 3 |
| Oregon | 69 | 6 |
| Pennsylvania | 73 | 5 |
| Rhode Island | 38 | 8 |
| South Carolina | 72 | 4 |
| South Dakota | 74 | 4 |
| Tennessee | 79 | 4 |
| Vermont | 74 | 4 |
| Virginia | 68 | 7 |
| Washington | 82 | 4 |
| West Virginia | 57 | 6 |
| Wisconsin | 76 | 2 |
| Wyoming | 48 | 4 |
How Much Is Allstate Home Insurance?
For most homeowners, Allstate home insurance costs $206 monthly and $2,474 yearly. However, depending on your unique profile and coverage needs, costs can vary from $40 to $684 monthly. Below, in a filterable table, we've broken down costs that can fit your profile.
Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History:Claim free for 5+ years
Select
Age of Home:Older Homes
| $250K Dwelling / $125K Personal Property / $200K Liability | $206 | $2,474 |
Allstate Home Insurance Cost by State
Costs also vary heavily by state. Below, you can review pricing for Allstate home insurance by location:
| Alabama | $270 | $3,234 |
| Alaska | $145 | $1,735 |
| Arizona | $204 | $2,448 |
| Arkansas | $349 | $4,186 |
| California | $69 | $833 |
| Colorado | $322 | $3,869 |
| Connecticut | $148 | $1,773 |
| District of Columbia | $103 | $1,242 |
| Florida | $684 | $8,212 |
| Georgia | $165 | $1,983 |
| Hawaii | $41 | $487 |
| Idaho | $149 | $1,788 |
| Illinois | $157 | $1,880 |
| Indiana | $86 | $1,035 |
| Iowa | $260 | $3,115 |
| Kansas | $333 | $3,991 |
| Louisiana | $296 | $3,547 |
| Maine | $142 | $1,702 |
| Maryland | $265 | $3,180 |
| Massachusetts | $211 | $2,529 |
| Mississippi | $442 | $5,301 |
| Missouri | $296 | $3,548 |
| Montana | $256 | $3,070 |
| Nebraska | $397 | $4,764 |
| New Hampshire | $89 | $1,063 |
| New York | $152 | $1,824 |
| North Dakota | $140 | $1,677 |
| Ohio | $123 | $1,474 |
| Oklahoma | $368 | $4,420 |
| Oregon | $99 | $1,187 |
| Pennsylvania | $87 | $1,042 |
| Rhode Island | $244 | $2,930 |
| South Carolina | $184 | $2,203 |
| South Dakota | $198 | $2,379 |
| Tennessee | $204 | $2,450 |
| Vermont | $67 | $799 |
| Virginia | $153 | $1,838 |
| Washington | $85 | $1,018 |
| West Virginia | $171 | $2,050 |
| Wisconsin | $92 | $1,107 |
| Wyoming | $211 | $2,530 |
Allstate Home Insurance Coverage Options
In addition to standard coverage options, Allstate offers the following add-ons:
Add-on Coverage Option | Coverage Details |
|---|---|
Energy efficiency upgrade | Green improvement reimbursement coverage pays to replace damaged items with energy-efficient versions after a covered claim |
Scheduled personal property | Provides increased coverage for valuable items like sports equipment, musical instruments, jewelry or antiques beyond standard policy limits |
Yard and garden | Raises your coverage limits on items like trees, plants and lawn mowers beyond what's included in standard coverage |
Home business property | Offers higher limits for business-related items stored in your home, including inventory and office equipment |
Home rental | HostAdvantage is designed for those who temporarily rent out their homes through Airbnb or similar services, paying out if renters destroy or steal your personal property up to $10,000 per rental host period |
Electronic data processing | Electronic data recovery coverage pays for lost photos, videos or other files on your personal computer |
Back-up of sewer or drain | Water backup coverage pays for damage caused by a backed-up drain or broken sump pump |
Cyber event/Identity theft | Identity theft restoration pays legal fees and other costs if someone steals your identity |
Allstate Homeowners Insurance Review: Bottom Line
Overall, Allstate ranks among our top five for home insurance policies, and we recommend contacting it for quotes. While Allstate is a strong option, compare other options and pricing to get the best deal.
Allstate Home Insurance: FAQ
Below are answers to frequently asked questions about Allstate home insurance:
Is Allstate home insurance good?
Allstate offers strong home insurance, earning the fifth overall spot nationally. It ranks fourth for affordability, fifth in customer satisfaction and fourth in coverage options.
How much is home insurance with Allstate?
Allstate home insurance for $250,000 in dwelling coverage is around $2,474 per year, about $196 less than the national average. Your rates may vary from $480 to $8,208 annually, depending on your personal profile and coverage choices.
How is Allstate's home insurance customer service?
Allstate's home insurance customer service ranks fifth in the nation. It has excellent home insurance claims and average customer satisfaction scores, according to J.D. Power.
How We Rated Allstate Home Insurance
We used the following base profile to determine rates for all homeowners insurance providers and judge their affordability:
- 40-year-old homeowner
- 2,500-square-foot house
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Good credit
- No claims in the past 5+ years
Our ratings system consisted of the following scoring mechanisms:
- Affordability (55% of score): Using our base profile as a guide, we compared costs relative to the national average and competition.
- Customer experience (35% of score): We considered forum ratings from customers, industry studies from J.D. Power and AM Best Financial Strength scores.
- Coverage (10% of score): This score considers add-on coverage selections relative to the average and the uniqueness of selections available.
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.