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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Allstate, one of America’s largest home insurance companies, offers a range of insurance products for homeowners, renters, condos, landlords, and mobile homes.[1] Our data shows that can expect to pay around $188 per month for $300,000 in dwelling coverage.
While Allstate may not always be the cheapest home insurance company, its rates can be surprisingly competitive, especially if you qualify for discounts like bundling, have no recent homeowners insurance claims, or have a strong payment history.
Let’s explore Allstate home insurance, its average rates, policy coverages, and other details to determine if it’s the best company for your situation.
Feature  | Details |
|---|---|
| Average annual premium* | $188 |
| Availability | Nationwide |
| J.D. Power rating | 631/1,000 |
| AM Best financial strength rating | A+ (Superior) |
| NAIC complaint index** | 1.58 |
| Customer service phone number | 1 (800) 726-6033 |
| Customer service email address | N/A |
| Mailing address | 3100 Sanders Road Northbrook, IL 60062 |
*Rate displayed represents $300,000 in dwelling coverage.
**A complaint index rating of 1.00 represents the expected number of complaints for a company of its size. A lower score indicates a fewer-than-average number of complaints.
AM Best gives Allstate an A+ (Superior) rating for financial strength, meaning it has the resources to handle claims when disaster strikes. It offers home insurance policies in all 50 states plus Washington, D.C., making coverage accessible wherever you call home.
But with a J.D. Power rating of 631, Allstate performs below average for customer satisfaction in the insurance industry. And Allstate’s NAIC complaint index rating suggests customers run into more issues than average.
Still, Allstate homeowners can appreciate coverage from an insurance company that’s been around long enough to weather the storms.
Shopping for homeowners insurance is like comparing gas prices across town: The same coverage can cost more or less depending on where you shop.
Your premiums depend on a mix of factors that insurers weigh differently. The coverage you choose, your home’s age and location, your credit history, and even how close you live to a fire station also affect the final number.
Allstate's average rate for $300,000 in dwelling coverage is $188 per month, according to Compare.com data. But your actual rate may be higher or lower depending on your ZIP code, home features, and claims history.
Next, we’ll break down how Allstate’s home insurance rates vary by coverage level to help you estimate your costs.
Your coverage amounts are one of the most significant cost drivers when it comes to home insurance. More coverage means more financial risk for the insurer.
Think of the coverage amount as the maximum amount your insurance company would pay to rebuild your home from the ground up. As your coverage increases, so does your premium.
Below, we show how Allstate’s average rates change with different coverage amounts, according to Compare.com data.
Dwelling Coverage Amount | Average Monthly Premium |
|---|---|
| $100,000 | $137 |
| $200,000 | $137 |
| $300,000 | $188 |
| $400,000 | $238 |
| $500,000 | $282 |
Compare personalized quotes from dozens of top companies.
Where you live plays a big role in how much you’ll pay for home insurance. Homes in areas prone to hurricanes, like Florida, or in tornado-heavy areas across the Midwest, tend to see higher rates. Crime rates, building costs, and local regulations also influence what you’ll pay.
The map below shows Allstate's average rates for every state for $300,000 in dwelling coverage, according to our data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $142 |
| Arizona | $130 |
| Arkansas | $223 |
| California | $101 |
| Colorado | $119 |
| Connecticut | $155 |
| Delaware | $98 |
| Florida | $609 |
| Georgia | $115 |
| Idaho | $141 |
| Illinois | $81 |
| Indiana | $58 |
| Iowa | $203 |
| Kansas | $198 |
| Kentucky | $209 |
| Louisiana | $428 |
| Maine | $94 |
| Maryland | $193 |
| Massachusetts | $177 |
| Michigan | $108 |
| Minnesota | $189 |
| Mississippi | $250 |
| Missouri | $157 |
| Montana | $219 |
| Nebraska | $208 |
| Nevada | $93 |
| New Hampshire | $86 |
| New Jersey | $118 |
| New Mexico | $171 |
| New York | $111 |
| North Carolina | $219 |
| North Dakota | $212 |
| Ohio | $101 |
| Oklahoma | $207 |
| Oregon | $109 |
| Pennsylvania | $84 |
| Rhode Island | $156 |
| South Carolina | $123 |
| South Dakota | $198 |
| Tennessee | $151 |
| Texas | $419 |
| Utah | $104 |
| Vermont | $83 |
| Virginia | $118 |
| Washington | $83 |
| District of Columbia | $104 |
| West Virginia | $109 |
| Wisconsin | $97 |
| Wyoming | $157 |
When house hunting, you’d never buy a home without checking out the neighborhood first. The same logic applies to choosing homeowners insurance. You want to know what you’re getting into before you sign on the dotted line.
Reading customer reviews and industry ratings gives you an idea of how insurance companies handle claims, treat customers, and operate day to day. Every company’s website looks polished and professional, but reviews uncover what happens when the storm actually hits your roof.
Below, we’ll take a close look at how Allstate performs according to customers and industry experts.
Reviews from current and past customers show you things you can’t find anywhere else. After all, they can share home insurance complaints about claim processes, customer service interactions, and billing issues. Pay attention to recurring themes in reviews, not just overall ratings.
Check out the table below to see how Allstate performs on three major review platforms.
Review Platform | Rating |
|---|---|
| Trustpilot | 1.2 out of 5 |
| Better Business Bureau (BBB) | A- |
| ConsumerAffairs | 1.6 out of 5 |
Allstate’s low scores on Trustpilot and ConsumerAffairs suggest frustrated customers. Poor customer service stands out as a frequent issue, with some reporting ignored calls and emails, rude agents, and slow claims processing.[2]
That said, most insurance companies tend to have relatively low ratings across these types of review sites. So Allstate could still be a decent option, depending on what you’re looking for.
Customer reviews tell you how people feel, but industry ratings dig into the numbers and data. Companies like J.D. Power and AM Best look at things like financial strength and how well home insurance companies actually handle claims.
Here’s how Allstate’s ratings stack up.
Rating Service | Rating |
|---|---|
| J.D. Power customer satisfaction* | 631/1,000 |
| J.D. Power claims satisfaction** | 665/1,000 |
| AM Best | A+ |
| NAIC complaint index*** | 1.58 |
*Industry average: 640
**Industry average: 682
***A score of 1.0 indicates the expected number of complaints. 2.0 indicates twice the number of expected complaints.
The A+ rating from AM Best signals a strong financial footing, meaning you don’t have to worry about the insurance company disappearing when it’s time to file a claim.
But Allstate ranks below the industry average for home insurance satisfaction for both customer and claims management. And its higher-than-average complaint rating indicates more issues than typical for an insurance company of its size, echoing the customer review concerns.
Comparing insurance options can save money, and home insurance coverage is no exception. Shopping around helps you get the best quote and coverage for your insurance needs. Just like you wouldn’t buy the first car you test-drive, you shouldn’t settle on the first insurance quote you get.
Homeowners insurance rates can vary dramatically between companies, even for identical coverage. Take the time to compare to get insight into what’s available in your area.
The breakdown below shows how Allstate's average annual rates compare against some of its biggest competitors, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Allstate | $137 |
| American Family | $120 |
| Nationwide | $160 |
| State Farm | $176 |
| USAA | $112 |
Company | Average Monthly Premium |
|---|---|
| Allstate | $188 |
| American Family | $155 |
| Nationwide | $223 |
| State Farm | $226 |
| USAA | $146 |
Company | Average Monthly Premium |
|---|---|
| Allstate | $282 |
| American Family | $223 |
| Nationwide | $339 |
| State Farm | $317 |
| USAA | $206 |
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Allstate home insurance discounts offer ways to trim your annual costs without sacrificing coverage. Here are some of the key ways to save with Allstate:
Multiple-policy discount: Bundle your homeowners insurance policy and auto coverage together, and save up to 25% on both policies.
Home buyer discount: Allstate offers savings if you’re a recent homebuyer or if your home is newly built.
Claim-free discount: Not having recent homeowners insurance claims can qualify you for premium reductions.
Protective device discount: Install smoke detectors, burglar alarms, or sprinkler systems to earn discounts on your premiums.
Responsible payer discount: Pay on time and choose payment methods like paying in full or through escrow to get savings.
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Shopping for insurance coverage requires piecing together different types of property and casualty protection. Understanding what’s available helps you know what coverage you need and what you can skip.
Here’s what Allstate brings to the table:
Dwelling coverage: This protects your home’s physical structure — including walls, roof, and foundation — from fire, wind, lightning, hail, theft, or vandalism damage.
Liability insurance: If someone injures themselves on your property or you accidentally damage someone else’s belongings, your liability coverage can pay for damages and legal costs.
Personal property coverage: This helps pay to repair or replace damaged, stolen, or destroyed belongings, even when they happen away from home.
Guest medical protection: If someone gets hurt on your property, this coverage handles medical bills for things like X-rays, ambulance rides, dental work, and surgery.
Personal umbrella insurance: This coverage provides extra financial protection beyond your standard policy limits when facing large claims or lawsuits.
Manufactured/mobile coverage: Though not available from every insurance company, Allstate offers mobile coverage that protects manufactured and mobile homes.
HostAdvantage coverage: Not offered by many insurers, this coverage protects your belongings when you’re home-sharing through platforms like Airbnb.
Flood insurance: A standard homeowners insurance policy doesn’t include flood coverage, but Allstate can help you buy a separate NFIP policy — something not all insurers assist with.
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Allstate offers several ways to purchase a homeowners insurance policy, depending on how you like to shop:
Online: Get home insurance quotes and buy coverage through Allstate's website. Buying online is an excellent option for homeowners who want to compare options on their timeline. You’ll also get the option to bundle your home coverage with an Allstate auto insurance policy to save on your premiums.
Allstate agent: If you have an agent in your area, they can answer questions, walk you through coverage options, and help navigate home insurance claims.
Phone: Call Allstate directly to speak with a representative about quotes and coverage details.
Insurance comparison sites: You can use an insurance comparison website to compare Allstate’s rates to other companies to help you find the best company for your budget and needs.
Get quotes from dozens of top insurance companies, quickly and easily.
Here are the answers to some of the most common questions homeowners ask when shopping for Allstate homeowners insurance.
It depends on your home insurance needs. Allstate has solid financial strength, with an A+ (Superior) rating from AM Best, and offers competitive rates, according to Compare.com data. It also offers various discounts, such as multi-policy discounts for bundling home and auto insurance.
But Allstate’s customer service and claims process come up short in terms of customer satisfaction.
Allstate home insurance costs an average of $188 per month for $300,000 dwelling coverage, according to our data. But your homeowners insurance premiums can vary based on where you live and your home’s specific characteristics.
It depends. Your Allstate insurance premium will depend on where you live, the size and age of your home, your coverage needs, and other factors. For instance, homes in areas hit by hurricanes will cost more than those that rarely see major storms.
Vermont Mutual offers the cheapest average rates among all insurers, according to Compare.com data. Its average rate is just $72 per month for $300,000 in dwelling coverage.
That said, no single insurance company offers the cheapest quotes everywhere, since pricing varies by location and your situation. You can shop around and compare home insurance rates from different insurers to find the best rates.
You can reach Allstate customer service by calling 1 (800) 726-6033, visiting the company’s website for 24/7 live chat, using its online form to send an email, or stopping by your local agent’s office.
It depends. Allstate typically covers tree removal when the tree damages your house or blocks your driveway, but it won’t pay for removal if no property damage occurred.
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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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