Key takeaways
Allstate ranks #4 for affordability among major renters insurance carriers, with average rates of $13 monthly.
— QuoteYeti editorial team
- 02 Customer experience ranks #3 based on J.D. Power scores, NAIC complaint data, and online sentiment.
- 03 Coverage breadth scores #4 — see the coverage section below for which add-ons set Allstate apart.
Allstate ratings
How much does Allstate cost?
Allstate renters insurance costs renters $13 monthly on average, or $156 annually — -5% 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 renter profiles.
Avg monthly
$13
Avg annual
$156
vs. national avg
-5%
How Allstate compares
−5% below the national average for comparable coverage.
Rates by category
| Category | Minimum coverage | Full coverage | Rank |
|---|---|---|---|
| Low-risk renters | $11 | $13 | #4 |
| Average renters | $13 | $15 | #4 |
| Higher-risk renters | $18 | $21 | #5 |
Allstate earns #4 overall in our renters rankings — the kind of performance that rewards a closer look, not a coin flip.
Allstate reputation
Allstate ranks #3 in QuoteYeti's customer experience study for renters 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. Customers consistently praise Allstate for responsive service and smooth claims experiences.
Step 01
Buying process
Buying coverage from Allstate is a strong experience for most renters. 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 is straightforward, with self-service through both the mobile app and web portal. 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 renters 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. | 788/1,000 | 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 3 discounts to help reduce your premium:
| Discount | Average savings | Eligibility |
|---|---|---|
| Multi-Policy Bundle | Up to 25% | Bundle renters with Allstate auto |
| Protective Devices | Up to 15% | Smoke detectors, fire alarms, and security systems |
| 55 and Retired | Variable | Retired persons 55+ may qualify for discounts |
Allstate coverage options
Allstate offers a comprehensive coverage menu typical of major renters 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 |
|---|---|---|
| Personal Property Replacement Cost | Replaces items at today's value, not depreciated | Standard endorsement on many policies |
| Scheduled Personal Property | High-value items needing higher limits | Required for items above standard policy limits |
| Identity Restoration | Identity theft restoration services | Standard endorsement |
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 Multi-policy discounts available
- Coverage for personal property, liability, and additional living expense
- Strong claims handling reputation
- Strong agent network with personalized service
- Multiple coverage tiers to fit different budgets
What's not
- Top con Higher base rates than digital-first competitors
- Coverage variations between regions
- Online tools less developed than competitors
- Less competitive for renters with prior claims
Our verdict
The bottom line
Allstate earns an overall score of 4.1/5 in QuoteYeti's renters insurance provider rankings. The carrier ranks #4 nationally, with particular strength in customer experience.
Allstate is best suited for renters who want a balance of price and service from an established carrier. Higher base rates than digital-first 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 renters insurance company?
Allstate is a legitimate renters insurance carrier with a financial-strength rating of A+ (Superior). It ranks #4 overall and #4 in affordability in QuoteYeti's editorial comparison of major renters insurance providers.
How much does Allstate renters insurance cost?
Allstate averages $13 monthly ($156 annually) — -5% 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 renters.
What discounts does Allstate offer?
Allstate offers 3 primary discounts, including Multi-Policy Bundle, Protective Devices, 55 and Retired. 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 788/1,000.
Should I choose Allstate or a competitor?
Allstate is strongest for renters 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 renters in different situations.
How we rated Allstate
QuoteYeti's renters 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 renters 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.