Allstate ranks 15th overall in the country compared to national and regional insurers due to its lower customer satisfaction scores and lack of affordability for higher coverage levels. While it can be a great option for those with minimal personal property, it often falls out of our top three rankings for each state.
Allstate Renters Insurance Review
Updated: June 25, 2025
Advertising & Editorial Disclosure
Key Takeaways
Allstate ranks 26th in the nation for affordability, offering average premiums of $23 monthly or $271 annually for $50,000 in property coverage.
Allstate ranks 10th in customer satisfaction.
Coverage is where Allstate performs fourth best, with a national ranking of 4.
Allstate Renters Insurance Ratings
| Overall Score | 84 | 15 |
| Affordability | 55 | 26 |
| Customer Satisfaction | 20 | 10 |
| Coverage | 5 | 4 |
| Financial Strength | 4 | 2 |
Allstate Renters Insurance Ratings by State
Allstate ranks 15th nationally for renters insurance. The company struggles with affordability and customer satisfaction but has strong financial stability.
Allstate works well for renters who want a financially secure insurer. But it rarely ranks in the top three in most states.
| AK | 78 | 2 |
| AL | 70 | 5 |
| AZ | 73 | 6 |
| CA | 78 | 4 |
| CO | 65 | 4 |
| CT | 88 | 3 |
| DC | 73 | 3 |
| DE | 63 | 4 |
| FL | 88 | 3 |
| GA | 37 | 7 |
| HI | 77 | 3 |
| IA | 45 | 8 |
| IL | 71 | 5 |
| IN | 69 | 5 |
| KS | 71 | 3 |
| KY | 72 | 5 |
| LA | 88 | 3 |
| MD | 55 | 7 |
| ME | 76 | 3 |
| MO | 43 | 7 |
| MS | 70 | 3 |
| MT | 82 | 4 |
| NC | 80 | 4 |
| ND | 70 | 3 |
| NH | 59 | 4 |
| NJ | 48 | 7 |
| NY | 56 | 6 |
| OH | 72 | 5 |
| OR | 75 | 4 |
| PA | 64 | 4 |
| RI | 78 | 5 |
| SC | 79 | 5 |
| SD | 67 | 7 |
| TX | 87 | 4 |
| UT | 63 | 6 |
| VA | 76 | 5 |
| WA | 67 | 3 |
| WI | 58 | 6 |
| WV | 64 | 4 |
Allstate Renters Insurance Cost
Allstate's average renters insurance costs range from $10 to $56 monthly. Because costs vary widely depending on factors specific to you, we've created a filterable table to compare costs for your profile nationally.
Data filtered by:Results filtered by:
Select
Coverage Level:$50K Personal Property / $100K Liability
Select
All Perils Deductible:1000
Select
Credit Tier:Good
Select
Claims History:Claim free for 5+ years
| $50K Personal Property / $100K Liability | $23 | $271 |
Allstate Renters Insurance Cost by State
With rates ranging from $10 to $56 per month, Allstate's renters insurance pricing depends on your personal situation. We've compiled a national cost comparison table to help guide your decision.
| AK | $121 | $10 |
| AL | $489 | $41 |
| AZ | $278 | $23 |
| CA | $256 | $21 |
| CO | $175 | $15 |
| CT | $175 | $15 |
| DC | $250 | $21 |
| DE | $250 | $21 |
| FL | $289 | $24 |
| GA | $676 | $56 |
| HI | $233 | $19 |
| IA | $228 | $19 |
| IL | $197 | $16 |
| IN | $236 | $20 |
| KS | $162 | $14 |
| KY | $230 | $19 |
| LA | $379 | $32 |
| MD | $369 | $31 |
| ME | $153 | $13 |
| MO | $353 | $29 |
| MS | $556 | $46 |
| MT | $183 | $15 |
| NC | $344 | $29 |
| ND | $140 | $12 |
| NH | $204 | $17 |
| NJ | $470 | $39 |
| NY | $264 | $22 |
| OH | $216 | $18 |
| OR | $224 | $19 |
| PA | $311 | $26 |
| RI | $257 | $21 |
| SC | $256 | $21 |
| SD | $174 | $15 |
| TX | $163 | $14 |
| UT | $163 | $14 |
| VA | $225 | $19 |
| WA | $191 | $16 |
| WI | $165 | $14 |
| WV | $192 | $16 |
*These rates are for a renter with good credit and no claims history who opts for a policy with $50,000 in personal property coverage.
Allstate Renters Insurance Discount Options
Allstate offers five discounts, aligning with the industry average. It provides a retiree discount not commonly seen elsewhere. Here are Allstate's discount options:
Discount | Description |
|---|---|
Auto-pay | With Allstate's Easy Pay Plan, you can save up to 5% on your policy by setting up automatic payments. You can schedule monthly payments through your account. |
Multi-policy | You can save up to 12% on renters insurance by bundling with another Allstate policy. |
Protective device | Allstate offers a discount if you have installed theft or fire protection devices in your home. |
Claim-free | If you don't have a recent insurance claim and switch to Allstate, you can save up to 20% on your renters insurance policy. |
Retiree | If you're at least 55 and retired, you qualify for a discount with Allstate. |
Allstate Renters Insurance Customer Satisfaction
Allstate ranks below average for renters insurance customer satisfaction, placing ninth out of 15 with a 20-point below-average score in J.D. Power’s recent study. Allstate also ranks lower for property claims satisfaction, placing 12th out of 15 or 27 points below average.
Allstate Renters Insurance Coverage Options
Allstate offers these additional renters coverage options:
Identity theft
Allstate covers legal fees, lost wages and other costs if someone steals your identity. You can add this coverage to your policy for $36 per year.
Flood insurance
This coverage covers the replacement cost of your items from flooding.
Scheduled personal property
Allstate's scheduled personal property coverage covers damage to engagement rings, musical instruments and other valuables.
Personal injury
Allstate offers a personal umbrella policy that helps you pay for large liability claims exceeding your renters insurance liability limits.
Allstate Renters Insurance Review: Bottom Line
While Allstate ranks below our top 10 nationally, you can find affordable renters insurance coverage with good service from the company in some areas. However, in most parts of the country, we recommend shopping around and choosing another provider.
Allstate Renters Insurance: FAQ
Below are answers to frequently asked questions about Allstate renters insurance:
Is Allstate renters insurance good?
Overall, Allstate is a below-average pick for renters insurance coverage, ranking 15th in our nationwide study. The company has below-average customer satisfaction scores and a low rating for affordability, ranking 26th for pricing.
How much does Allstate renters insurance cost?
Renters insurance from Allstate costs an average of $121 to $676 per year, depending on your renter profile.
Is Allstate renters insurance cheap?
Allstate renters insurance isn't one of the more affordable providers in our study, ranking 26th overall for pricing.
How We Rated Renters Insurance Companies
To evaluate Allstate as a renters insurance company, MoneyGeek obtained information directly from Allstate's website and manually collected quotes. We also used information from consumer intelligence organizations such as J.D. Power, the National Association of Insurance Commissioners (NAIC) and AM Best to see how Allstate compares to other providers.
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.
sources
- J.D. Power. "Rampant Home Insurance Increases Strain Customer Satisfaction — and Drive Policy Shopping, J.D. Power Finds." Accessed June 26, 2025.
- J.D. Power. "Widespread Price Increases, Extreme Weather Events and Long Repair Cycle Times Strain Customer Satisfaction with Homeowners Insurance Claims, J.D. Power Finds." Accessed June 26, 2025.