Key takeaways
Allstate ranks #6 for affordability among major home insurance carriers, with average rates of $102 monthly.
— QuoteYeti editorial team
- 02 Customer experience ranks #4 based on J.D. Power scores, NAIC complaint data, and online sentiment.
- 03 Coverage breadth scores #3 — see the coverage section below for which add-ons set Allstate apart.
Allstate ratings
How much does Allstate cost?
Allstate home insurance costs homeowners $102 monthly on average, or $1,224 annually — +6% compared to the national average. Actual rates vary significantly based on your profile, location, and coverage selections. Use the cost-by-category table below to see how Allstate typically prices different homeowner profiles.
Avg monthly
$102
Avg annual
$1,224
vs. national avg
+6%
How Allstate compares
+6% above the national average for comparable coverage.
Rates by category
| Category | Minimum coverage | Full coverage | Rank |
|---|---|---|---|
| New homes (built post-2010) | $87 | $102 | #6 |
| Older homes (pre-1980) | $128 | $143 | #7 |
| High-value homes ($1M+) | $255 | $286 | #6 |
| Condos / townhouses | $61 | $71 | #6 |
Allstate earns #5 overall in our home rankings — the kind of performance that rewards a closer look, not a coin flip.
Allstate reputation
Allstate ranks #4 in QuoteYeti's customer experience study for home insurance. The score blends J.D. Power survey data, NAIC complaint ratios (0.81 versus an industry-wide 1.00 average), and member sentiment from public review sources. Customer feedback is mixed; some praise specific service areas while others report frustration with claims complexity.
Step 01
Buying process
Buying coverage from Allstate has been generally adequate, though not without friction for most homeowners. The quoting process can happen either online or through a local agent — agent involvement adds personalization.
Step 02
Policy management
Day-to-day policy management at Allstate varies in quality — the mobile experience is reasonable, but complex changes often require phone or agent support. Customers who prefer in-person service appreciate access to local agents.
Step 03
Claims experience
Claims handling at Allstate performs at or slightly above the industry standard. For straightforward claims (windshield repairs, minor incidents), most homeowners report fast resolution. Complex claims requiring extensive investigation can take longer.
Independent industry ratings
Independent ratings from major financial-strength and customer-satisfaction agencies:
| Source | Score | Overview |
|---|---|---|
| AM Best Financial Strength 1 A.M. Best Insurance-industry credit rating agency since 1899. A++ is the highest financial-strength grade. | A+ (Superior) | Superior ability to meet financial obligations |
| S&P Global Financial Strength 2 S&P Global Standard & Poor's Global Ratings. Insurance financial-strength grades from AAA (strongest) to D. | AA- | Very strong capacity to meet financial commitments |
| J.D. Power Claims Satisfaction 3 J.D. Power Consumer satisfaction surveys with 12,000+ policyholders annually. Scores run 0–1000; above 800 is considered excellent. | 803/1,000 | Above industry average |
| NAIC Complaint Ratio 4 NAIC National Association of Insurance Commissioners. Their complaint index is 1.0 = average; lower is better. | 0.81 | Near the expected level of complaints |
Allstate discounts
Allstate offers 5 discounts to help reduce your premium:
| Discount | Average savings | Eligibility |
|---|---|---|
| Multi-Policy Bundle | Up to 25% | Bundle home with auto, condo, or renters insurance |
| Protective Devices | Up to 15% | Smoke detectors, fire alarms, and monitored security systems |
| New Home Buyer | Up to 10% | Purchased your home in the past year |
| Welcome and Loyalty | Variable | New customers receive welcome rate; longtime customers earn loyalty credit |
| Auto-Pay | Up to 5% | Set up automatic payments from a checking account |
Allstate coverage options
Allstate offers a comprehensive coverage menu typical of major home insurance carriers, with several add-ons that set it apart from competitors. The table below details the main add-ons available.
| Add-on coverage | What it covers | Key features |
|---|---|---|
| Claim RateGuard | Prevents rate increases after your first claim | Premium protection during claim recovery; available as an endorsement |
| HostAdvantage | Coverage for short-term rental hosts (Airbnb, VRBO) | Built specifically for occasional rental hosts |
| Yard and Garden | Plants, trees, and outdoor structures damaged by covered perils | Higher limits than standard policies typically offer |
| Identity Restoration | Costs to restore identity after theft | Standard endorsement on many Allstate home policies |
Pros and cons
Ordered by impact. The top item in each column is the one we'd weight heaviest in a recommendation.
What's working
- Top pro Claim RateGuard® keeps your rate stable after your first claim
- Comprehensive add-on menu including HostAdvantage® for short-term rentals
- Strong agent network with personalized service
- Identity Restoration and Yard & Garden coverages available
- Discounts for new buyers and recent home buyers
What's not
- Top con Higher base rates than direct-to-consumer competitors
- Complex pricing with many add-ons can feel overwhelming
- Customer satisfaction varies by region
- Less competitive in high-claim-frequency markets
Our verdict
The bottom line
Allstate earns an overall score of 4.08/5 in QuoteYeti's home insurance provider rankings. The carrier ranks #5 nationally, with particular strength in coverage breadth.
Allstate is best suited for homeowners who want a balance of price and service from an established carrier. Higher base rates than direct-to-consumer competitors is the most common drawback to weigh against the strengths.
As always, compare quotes from multiple insurers before committing. The right carrier depends on your specific profile — driving record, claims history, location, and coverage needs all shift the math.
Frequently asked questions
Is Allstate a good home insurance company?
Allstate is a legitimate home insurance carrier with a financial-strength rating of A+ (Superior). It ranks #5 overall and #6 in affordability in QuoteYeti's editorial comparison of major home insurance providers.
How much does Allstate home insurance cost?
Allstate averages $102 monthly ($1,224 annually) — +6% versus the national average. Your actual rate depends on your profile, location, and coverage choices. Use the cost-by-category table above to see how Allstate typically prices different homeowners.
What discounts does Allstate offer?
Allstate offers 5 primary discounts, including Multi-Policy Bundle, Protective Devices, New Home Buyer. See the full discount table above for eligibility and average savings.
Does Allstate have good claims handling?
Allstate's NAIC complaint ratio is 0.81 (1.00 is the industry average, so lower is better). This is at or near the industry average. J.D. Power claims scores rate 803/1,000.
Should I choose Allstate or a competitor?
Allstate is strongest for homeowners who want established carrier reliability. Compare quotes from at least three carriers — Allstate's rates and offerings vary significantly based on your specific profile, and the carrier that fits best can differ for homeowners in different situations.
How we rated Allstate
QuoteYeti's home insurance rankings are designed to surface where each carrier actually wins and loses. We don't accept payment for ranking placement, and our methodology is published in full so you can audit how we reach our conclusions.
60%
Cost
We compare quotes across multiple homeowners profiles, measuring how competitively each carrier prices its policies against local and national competitors. Data is normalized to comparable coverage levels.
30%
Customer satisfaction
We analyze customer feedback from J.D. Power member studies, NAIC complaint ratios, AM Best ratings, and public review sources to assess overall service quality and claims handling.
10%
Coverage breadth
We evaluate each carrier's coverage menu, scoring the variety of available endorsements, unique features, and gap-filling options.