Allstate vs State Farm

Kaitlyn Short
Kaitlyn Short | Senior Editor

Both Allstate and State Farm are trusted insurance companies and offer the standard coverages for home insurance. Allstate offers more optional types of coverage, discounts, and online tools than State Farm does. If these additional features matter to you, Allstate is the better option. If you're primarily interested in more typical home insurance coverage, State Farm is ideal.

Allstate logo verified_user
#5 Allstate
7.0 Overall Score
4.3
star star star star star_half
(105)
State Farm logo verified_user
#2 State Farm
7.4 Overall Score
4.4
star star star star star_half
(244)

Overview

Allstate

A.M. Best Financial Strength Rating

N/A

Demotech Financial Stability Rating

N/A

Customer Service Options

Phone, Live Chat, Email, In-Person

Time in Business

Undisclosed

State Farm

N/A

N/A

Phone, Live Chat, Email, In-Person

Undisclosed

Ratings

Allstate

Overall Score
7.0 of 10
Review Score
4.3
star star star star star_half
Value for Money
4.2
star star star star star_border
Quality of Product or Service
4.3
star star star star star_half
Company Trustworthiness
4.3
star star star star star_half
Likely to Recommend
8.0 of 10

State Farm

7.4 of 10
4.4
star star star star star_half
4.4
star star star star star_half
4.5
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4.5
star star star star star_half
8.5 of 10

Reviews

Allstate

Number of Reviews
105
Review Breakdown
4.3
star star star star star_half
1 star
2%
2 star
7%
3 star
11%
4 star
21%
5 star
59%

State Farm

244
4.4
star star star star star_half
1 star
5%
2 star
5%
3 star
6%
4 star
17%
5 star
67%

Reviews for Allstate

Helpful Favorable Review

star star star star star

Precious H.

June 13th, 2022

DETAILS

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Review Source

Allstate is a great company foryour home insurance needs. When a windstorm destroyed my roof, they quickly sent someone to look at the damages and sent the money for the repair shortly afterwards. They were able to alleviate some of the financial burden during that tragedy.

Helpful Critical Review

star star_border star_border star_border star_border

RLuff

February 6th, 2022

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Review Source

If you are involved in an accident and it is your fault, you are very likely to be sued. Allstate NEVER settles claims easily resulting in the other party getting an attorney. I know. I am a lawyer. The end result is you get called for depositions and trial so Allstate can save some money.

Reviews for State Farm

Helpful Favorable Review

star star star star star

Carol E Brown

November 17th, 2022

DETAILS

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Review Source

We had State Farm as my provider for both renter's insurance and then for homeowners insurance once I purchased a home. We were completely satisfied with the service we received from State Farm. The agents we had were very proactive and responsive to any concerns we had. The coverage they suggested was exactly what we needed. I highly recommend State Farm for insurance.

Helpful Critical Review

star star star_border star_border star_border

Sean Zernickow

October 12th, 2022

DETAILS

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Review Source

Be very aware. Their claims process is a nightmare. The agent I had was amazing, but the corporate side of things is a disaster. Not a fan at all of State Farm and will more than likely never do business with them again unless there never other options. Luckily there are more insurance companies out there.

The Final Word

Both Allstate and State Farm offer typical home insurance coverage. State Farm makes it clear from its website what's covered and what's not. This level of upfront, easy-to-understand clarity makes State Farm stand out.

With Allstate home insurance, you can add coverage for identity theft restoration, water backup, specific personal property, business property, sports equipment, green improvement reimbursement, yard and garden, electronic data recovery, and musical instruments. You can also purchase a personal umbrella policy and Allstate's HostAdvantage® policy, which insures your home and belongings if you rent it out.

With State Farm, you can purchase a separate personal or professional liability policy. State Farm's policies already offer coverage for keepsakes, hobbies, and your yard. Because of this inclusion, State Farm's policies may offer more coverage than Allstate's policies before customization.

State Farm offers discounts to its policyholders, including multi-line, home alert, and roofing. These discounts help you save money on the coverage you need. You can also choose a higher deductible to keep your monthly premium costs low.

Allstate offers similar discounts on its policies. It also offers additional discounts. These include a responsible payment discount, claim-free discount, welcome and loyalty discount, home buyer discount (for new homes), early signing discount, and for participation in Easy Pay Plan®. With these discounts, Allstate offers many ways to save. 

Both companies offer good home insurance policies. Allstate's policies are more customizable and offer more options for discounts than State Farm's do. However, looking at the coverage and premium rates from each company can help you decide which is best for you.

Top Choice

State Farm Logo
State Farm

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