Last updated: November 8, 2026
Published rate studies put the average Allstate homeowners policy at roughly $1,958 to $2,715 a year, depending on the coverage limits and sample profile each study uses. Insurify reports $2,401 a year for $300,000 in dwelling coverage. Your own quote can land well above or below that, because price depends on your home, your location, your coverage choices and your claims history.
What Published Studies Say Allstate Costs
Each comparison site builds its averages from a different sample home, so the numbers do not match. They do agree that Allstate sits near the national average.
| Source | Allstate average | Sample profile |
|---|---|---|
| Insurify (2026) | $2,401 per year | $300,000 dwelling coverage |
| Insure.com | $2,098 per year | $300,000 dwelling and liability, $1,000 deductible |
| U.S. News (via CoverageCat) | $1,958 per year | $300,000 dwelling coverage |
| NerdWallet | $2,715 per year | $400,000 dwelling, $300,000 liability, $1,000 deductible |
Insurify also shows how the average Allstate premium rises with dwelling coverage: about $1,165 at $100,000, $1,804 at $200,000, $2,401 at $300,000, $3,029 at $400,000 and $3,630 at $500,000.
What Moves Your Quote
Insurers generally price a homeowners policy using the factors below. We do not have Allstate’s rating formula, so treat the direction of each factor as general guidance rather than a promise of a specific saving.
- Dwelling coverage amount. A higher Coverage A limit costs more, as the Insurify table above shows. Base it on rebuild cost, not market value, because market value includes land.
- Location. Catastrophe exposure, crime, fire protection class and claims history in your area all affect rates. Averages by state range from under $1,100 to several thousand dollars for the same $300,000 dwelling limit, according to Bankrate.
- Roof age and condition. Many insurers pay older roofs at actual cash value rather than replacement cost. Ask which one your quote uses.
- Deductible. A higher deductible usually lowers the premium. Choose an amount you could pay without borrowing after a loss.
- Credit-based insurance score and claims history. Both are used in most states, though a few restrict credit-based pricing.
- Discounts. Allstate lists bundling, protective device, new home, early signing and other discounts on its site. Ask an agent which ones apply and what documents they need.
How Allstate Compares on Claims Satisfaction
Price is only half the picture. In J.D. Power’s 2025 U.S. Property Claims Satisfaction Study, Chubb ranked highest with 773, followed by Amica (745) and The Hartford (725). The study was redesigned in 2025, so its scores cannot be compared with earlier years. A third-party review site reports Allstate’s 2025 score as 665 out of 1,000, which is below average. The 2026 study was released in March 2026 and ranked Amica highest; check J.D. Power for the current scores of any insurer you are considering.
Five Steps Before You Request a Quote
- Estimate your home’s rebuild cost, and use that for Coverage A rather than its market value.
- Gather documents for discounts: a monitoring certificate, a current auto policy for bundling, and a roof inspection report if your roof is older.
- Decide on a deductible you could pay from savings.
- Ask whether personal property (Coverage C) is paid at replacement cost or actual cash value.
- Compare at least three insurers with matching coverage, since a quote for actual cash value coverage is not comparable with one for replacement cost.
Frequently Asked Questions
How much does Allstate home insurance cost per year?
Published averages range from about $1,958 to $2,715 a year depending on the study and sample home. Insurify reports $2,401 for $300,000 in dwelling coverage.
Is it free to get an Allstate homeowners quote?
Yes, requesting a quote does not commit you to buy. Check Allstate’s quote page for the information it asks for and how it uses your credit-based insurance score.
Does homeowners insurance cover water damage?
Standard policies generally cover sudden and accidental water damage such as a burst pipe. Sewer or drain backup usually needs an optional endorsement, and flood damage needs a separate flood policy through the NFIP or a private insurer. Check your own policy wording.
Is Allstate cheaper than State Farm?
It depends on the study and the state. Insurify’s 2026 data lists Allstate at $2,292 to $2,496 and State Farm at $2,748 to $2,820 for $300,000 in dwelling coverage, while other pages from Insurify show State Farm lower. Get quotes from both for your own address.
Sources
- Insurify: Allstate Home Insurance Review
- Insure.com: Cheap homeowners insurance
- NerdWallet: Allstate Homeowners Insurance Review
- Bankrate: Homeowners insurance cost
- J.D. Power: U.S. Property Claims Satisfaction Study
Disclaimer: This is general education drawn from published rate research. It does not replace advice from a licensed insurance agent or your state insurance department. Actual quotes depend on individual property details, state regulations and underwriting review.
