Allstate vs State Farm
An honest side-by-side comparison of two of our top home insurance picks — pricing, strengths, weaknesses, and who each one is really for.
Allstate
Ranked #2 of 15 in this directory
Comprehensive home insurance with claim-free rewards and flexible options
State Farm
Ranked #1 of 15 in this directory
The largest home insurer in America with unmatched agent support
Our pick: State Farm. Our editors rank State Farm higher overall in Home Insurance — but Allstate can be the better fit depending on your budget and use case below. How we review
Compare the details
| Allstate | State Farm | |
|---|---|---|
| Pricing model | Paid | Paid |
| Starting price | See website | See website |
| Category | Standard Homeowners | Standard Homeowners |
| Editorial rank | #2 of 15 | #1 of 15 |
Strengths
Allstate
- ✓Claim-free rewards pay you back each year without a claim
- ✓HostAdvantage coverage for Airbnb and home-sharing hosts
- ✓Wide variety of optional coverages and endorsements
- ✓Both local agent and digital self-service options
- ✓Strong brand with decades of home insurance experience
State Farm
- ✓Largest home insurer with the most extensive agent network in the US
- ✓Excellent bundling discounts with auto, life, and other policies
- ✓Superior financial strength ratings ensuring claims reliability
- ✓Wide range of coverage options and endorsements available
- ✓Strong claims satisfaction and efficient processing
Watch out for
Allstate
- !Rates tend to be above average in many markets
- !Claims satisfaction ratings are mixed compared to top competitors
- !Some desirable features require additional riders at extra cost
- !Discount structures can be complex and hard to navigate
State Farm
- !Premiums can be higher than digital-first competitors
- !Online experience lags behind insurtech companies
- !Discount availability varies significantly by state
- !Some policy changes require contacting your agent directly
Best use cases
Allstate
- →Homeowner who rarely files claims and wants to earn rewards
- →Airbnb host needing specialized home-sharing coverage
- →Customer wanting a blend of agent support and digital convenience
State Farm
- →Homeowner wanting a trusted local agent for personalized guidance
- →Family bundling home and auto insurance for maximum savings
- →Homeowner in a high-risk area needing a financially stable insurer
About each tool
Allstate
Allstate is one of the largest home insurers in the country, offering a broad range of homeowners, renters, and condo policies. The company stands out with its claim-free rewards program that provides a check every year you go without filing a claim. Allstate also offers HostAdvantage coverage for home-sharing hosts and a variety of optional coverages like identity theft restoration and water backup protection. The combination of local agents and a solid digital platform gives customers flexibility in how they manage their policies.
State Farm
State Farm is the number one home insurance provider in the United States, insuring more homes than any other company. With over 19,000 local agents, State Farm delivers personalized service and strong bundling discounts when combining home and auto policies. The company offers comprehensive homeowners, renters, and condo insurance with flexible coverage options. State Farm's claims process is well-regarded, and its financial strength ratings are among the highest in the industry, giving policyholders confidence their claims will be paid.
Still deciding? Browse all 15 options with honest pros, cons, and pricing.
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