Allstate home insurance ratings and review 2026

Allstate took third place among home insurance companies we ranked for 2026. It earned 4.23 stars out of 5 overall and has the second-cheapest rates among national carriers in our ranking. It also topped the list for digital experience.

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Written by Leslie Kasperowicz
Leslie Kasperowicz
Leslie Kasperowicz

Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.

 |  Reviewed by quality verifiedScott Nyerges
Scott Nyerges
Scott Nyerges

Scott Nyerges is an insurance expert and managing editor, insurance. Previously, he was a senior insurance editor and content strategist at U.S. News & World Report, and worked for Consumer Reports, MSN and Cheapism.com.

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Our take: Allstate home insurance

Allstate is the No. 3 company in our 2026 Best Home Insurance Companies ranking, earning that ranking with low rates and good scores on our customer survey.

  • We found Allstate’s rates to be very affordable for the second-largest home insurance company in the nation, a company that provides personal agent service.
  • Allstate’s NAIC complaint ratio is just above the benchmark for a company of its size; however, our survey indicates that customer satisfaction remains steady.
  • We’re impressed with Allstate’s top scores among national companies in many areas of the survey, including trust and fair rate, which have increased over time.

Below is our review of Allstate.  It’s based on the results of our survey, average rates and third-party metrics, including the NAIC customer complaint index and AM Best financial ratings. Find the full methodology here.

3
Allstate
4.23 Insure.com Score
Average Premium
$2,049
Customer Survey
NAIC
AM Best Rating
A+
Effective date:
Pros and cons
Pros:
  • Affordable insurance: Rates are the second-lowest among national carriers
  • Digital experience: Top-rated company for website and mobile app
  • Highly recommended: Best national carrier in terms of trust, recommendations to others and customers’ plans to renew
Cons:
  • Captive agents: You must work with an Allstate agent
  • Not available in California: Allstate isn’t writing new policies in California

Who should buy Allstate home insurance?

Allstate is a good choice for you if:

  • You want a combination of affordable rates and a good reputation for customer service
  • You ant the personal service of an agent who works solely with your insurance company
  • You’re looking for a highly-rated digital option to handle policies online or via an app

It might not be the best choice if:

  • You’re looking for a new home insurance policy in California
  • The cheapest rate is your priority

Allstate home insurance cost: Coverage and competitor comparison

Allstate’s average homeowners insurance rate is approximately $500 below the national average ($2,543), at $2,049 per year.

  • Allstate is about $500 more expensive than the cheapest national carrier in our ranking (Amica, $1,510)
  • Rates are cheaper than those of top competitors: State Farm ($2,448) and Farmers ($2,820)
  • Regional insurer CSAA, which writes new home policies in California, is much cheaper at $1,496 a year

Compare Allstate with competitors at various coverage levels below to see how its rates might look for your home.

CompanyCoverage levelAverage annual premium
Allstate$200,000 with a $1,000 deductible and $300,000 liability$1,717
Allstate$300,000 with a $1,000 deductible and $300,000 liability$2,049
Allstate$400,000 with a $1,000 deductible and $300,000 liability$2,384
Allstate$600,000 with a $1,000 deductible and $300,000 liability$3,110
Allstate$1,000,000 with a $2,500 deductible and $300,000 liability$4,356
American Family$200,000 with a $1,000 deductible and $300,000 liability$2,076
American Family$300,000 with a $1,000 deductible and $300,000 liability$2,759
American Family$400,000 with a $1,000 deductible and $300,000 liability$3,473
American Family$600,000 with a $1,000 deductible and $300,000 liability$4,867
American Family$1,000,000 with a $2,500 deductible and $300,000 liability$6,825
Amica$200,000 with a $1,000 deductible and $300,000 liability$1,123
Amica$300,000 with a $1,000 deductible and $300,000 liability$1,510
Amica$400,000 with a $1,000 deductible and $300,000 liability$1,803
Amica$600,000 with a $1,000 deductible and $300,000 liability$2,401
Amica$1,000,000 with a $2,500 deductible and $300,000 liability$3,296
Auto Club Enterprises (AAA)$200,000 with a $1,000 deductible and $300,000 liability$906
Auto Club Enterprises (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,335
Auto Club Enterprises (AAA)$400,000 with a $1,000 deductible and $300,000 liability$1,765
Auto Club Enterprises (AAA)$600,000 with a $1,000 deductible and $300,000 liability$2,687
Auto Club Enterprises (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$4,253
Auto Club Group – ACG (AAA)$200,000 with a $1,000 deductible and $300,000 liability$1,503
Auto Club Group – ACG (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,888
Auto Club Group – ACG (AAA)$400,000 with a $1,000 deductible and $300,000 liability$2,519
Auto Club Group – ACG (AAA)$600,000 with a $1,000 deductible and $300,000 liability$3,785
Auto Club Group – ACG (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$5,513
Auto-Owners$200,000 with a $1,000 deductible and $300,000 liability$2,249
Auto-Owners$300,000 with a $1,000 deductible and $300,000 liability$2,840
Auto-Owners$400,000 with a $1,000 deductible and $300,000 liability$3,466
Auto-Owners$600,000 with a $1,000 deductible and $300,000 liability$4,642
Auto-Owners$1,000,000 with a $2,500 deductible and $300,000 liability$6,819
CSAA Insurance (AAA)$200,000 with a $1,000 deductible and $300,000 liability$1,068
CSAA Insurance (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,496
CSAA Insurance (AAA)$400,000 with a $1,000 deductible and $300,000 liability$1,891
CSAA Insurance (AAA)$600,000 with a $1,000 deductible and $300,000 liability$2,618
CSAA Insurance (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$3,332
Erie Insurance$200,000 with a $1,000 deductible and $300,000 liability$1,888
Erie Insurance$300,000 with a $1,000 deductible and $300,000 liability$2,783
Erie Insurance$400,000 with a $1,000 deductible and $300,000 liability$3,526
Erie Insurance$600,000 with a $1,000 deductible and $300,000 liability$4,927
Erie Insurance$1,000,000 with a $2,500 deductible and $300,000 liability$6,743
Farmers$200,000 with a $1,000 deductible and $300,000 liability$2,032
Farmers$300,000 with a $1,000 deductible and $300,000 liability$2,820
Farmers$400,000 with a $1,000 deductible and $300,000 liability$3,667
Farmers$600,000 with a $1,000 deductible and $300,000 liability$5,377
Farmers$1,000,000 with a $2,500 deductible and $300,000 liability$8,048
Nationwide$200,000 with a $1,000 deductible and $300,000 liability$2,219
Nationwide$300,000 with a $1,000 deductible and $300,000 liability$2,983
Nationwide$400,000 with a $1,000 deductible and $300,000 liability$3,752
Nationwide$600,000 with a $1,000 deductible and $300,000 liability$5,342
Nationwide$1,000,000 with a $2,500 deductible and $300,000 liability$7,761
Progressive$200,000 with a $1,000 deductible and $300,000 liability$3,421
Progressive$300,000 with a $1,000 deductible and $300,000 liability$4,227
Progressive$400,000 with a $1,000 deductible and $300,000 liability$4,951
Progressive$600,000 with a $1,000 deductible and $300,000 liability$6,624
Progressive$1,000,000 with a $2,500 deductible and $300,000 liability$8,699
State Farm$200,000 with a $1,000 deductible and $300,000 liability$1,915
State Farm$300,000 with a $1,000 deductible and $300,000 liability$2,448
State Farm$400,000 with a $1,000 deductible and $300,000 liability$2,926
State Farm$600,000 with a $1,000 deductible and $300,000 liability$3,913
State Farm$1,000,000 with a $2,500 deductible and $300,000 liability$5,297
Travelers$200,000 with a $1,000 deductible and $300,000 liability$1,771
Travelers$300,000 with a $1,000 deductible and $300,000 liability$2,235
Travelers$400,000 with a $1,000 deductible and $300,000 liability$2,708
Travelers$600,000 with a $1,000 deductible and $300,000 liability$3,754
Travelers$1,000,000 with a $2,500 deductible and $300,000 liability$5,658
USAA*$200,000 with a $1,000 deductible and $300,000 liability$1,798
USAA*$300,000 with a $1,000 deductible and $300,000 liability$2,401
USAA*$400,000 with a $1,000 deductible and $300,000 liability$2,939
USAA*$600,000 with a $1,000 deductible and $300,000 liability$3,957
USAA*$1,000,000 with a $2,500 deductible and $300,000 liability$5,433
*USAA is only available to military community members and their families.
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How Allstate scores for customer satisfaction, ease of service, policy offerings and claims

Allstate ranked well in all four of our main customer service categories. Allstate customers gave it an 81% rating for customer satisfaction, and 89% were satisfied with the ease of service.

Although top competitors rated better for customer satisfaction, Allstate outperformed both Farmers and State Farm in claims handling (82%) and policy offerings (88%). 

CompanyCustomer satisfactionEase of servicePolicy offeringsClaims handling
Allstate81%89%88%82%
Farmers84%84%83%76%
State Farm85%92%86%79%
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How Allstate scores on customer recommendations, trust and renewals

Allstate outranks some major competitors when it comes to the three big questions we asked survey respondents about their insurance company:

  • Would you recommend your insurer to others?
  • Do you trust your insurer?
  • Do you plan to renew with your insurer?

Most Allstate customers (91%) report that they trust the company, and 95% plan to renew their policy. Additionally, 89% of Allstate customers said they’d recommend the carrier to others.

CompanyRecommendedTrustworthinessRenewals
Allstate89%91%95%
State Farm87%90%90%
Amica74%81%83%
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How Allstate scores for digital experience, auto/home bundling and discounts

Allstate customers expressed high satisfaction with the digital experience (mobile app and website). Allstate was the number one company for digital service of all companies we ranked, with a score of 86%.

Discounts were one of the lower-scored categories for many companies, but Allstate had the best score among national companies at 68%.

Auto and home bundling was a less stellar category for Allstate, with 76% of customers satisfied. State Farm scored 88% in this category.

The table below shows the percentage of customers who reported being satisfied or highly satisfied in each category.

CompanyDigital experienceAuto/home bundlingDiscounts
Allstate86%76%68%
State Farm76%88%64%
Travelers83%75%58%
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Types of home insurance offered by Allstate

  • Homeowners: Standard (broad form, HO-3) and high-value (comprehensive form, HO-5)
  • Renters: Coverage for tenants (HO-4)
  • Condo: Coverage for condominiums (HO-6)
  • Landlord: Coverage for a rental property
  • Mobile home: Coverage for mobile/manufactured homes
  • HostAdvantage homesharing insurance: Coverage for Airbnb/VRBO short-term rentals
  • Flood: Sold through the NFIP Write-Your-Own program

Allstate home insurance discounts

  • Homebuyer: For buying a home recently or buying a newly built home
  • Welcome & loyalty: Discounts for new customers and for every year the policy is renewed
  • Early signing: Switch to Allstate at least seven days before your previous policy expires
  • Claim-free: Switch to Allstate with no recent claims
  • Responsible payer: Good payment history (paying on time, paying in full) 
  • Multi-policy: Home & auto bundle
  • Protective device: Savings for theft and fire protection devices
  • Easy Pay Plan: Savings for setting up automatic payments
  • Windstorm mitigation: Available in Florida for homes with wind mitigation features

States where Allstate offers coverage

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Table

States where Allstate offers coverage
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
Washington, D.C.
West Virginia
Wisconsin
Wyoming
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Select state


AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY

Available
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Note: Not currently writing new policies in CA

Allstate at a glance

Allstate

  • Second-largest homeowners insurance company by market share, with $15,489,753,100 in direct premiums written according to the 2024 NAIC Market Share Report
  • Policies sold through Allstate agents nationwide: online, in person or over the phone
  • National General and Esurance are Allstate companies, offering additional options to those who want Allstate’s financial backing

Contact Allstate at www.allstate.com or 866-561-7300.

Resources & Methodology

Sources:

NAIC. “NAIC Releases 2024 Market Share Data” Accessed December 2025.

Allstate. “Home insurance discounts” Accessed December 2025.

Methodology

In late 2025, Insure.com surveyed more than 2,000 insurance consumers through an independent research firm, Dynata. Customers named their insurer and rated it on satisfaction, ease of service, policy options, claims handling, digital experience, discounts, bundling, rate increases, older homes and standard coverages. We also asked whether they planned to renew, would recommend their insurer and trusted their insurer.

For insurers with enough survey responses, we added:

  • AM Best financial strength ratings, which measure an insurer’s ability to pay claims
  • NAIC complaint index scores, which show how many customer complaints an insurer receives relative to its size
  • Average premium data from Quadrant Information Services, based on a policy with:
    • $300,000 in dwelling coverage and liability
    • A $1,000 deductible and a 2% deductible where appropriate

With guidance from Prof. David Marlett, Ph.D., managing director of the Brantley Risk and Insurance Center at Appalachian State University, we applied the following weights to calculate each company’s final rating:

  • Customer survey: 40% (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
  • AM Best: 25%
  • Average premium: 20%
  • NAIC complaints: 15%

Each insurer received a rating between 0.5 and 5 stars.

author image
Leslie Kasperowicz
Managing Editor

 
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Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.

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