When compared to local and regional insurers, Allstate ranks 15th overall in the country due to its lower customer satisfaction scores and lack of affordability for higher coverage levels. While they can be a great option for those not wanting to insure a lot of personal property, it often falls out of our top three rankings for each state.
Allstate Renters Insurance Review
Updated: April 23, 2025
Advertising & Editorial Disclosure
Key Takeaways
In terms of affordability, Allstate ranks 26th in the country with an average rate of $20 per month or $239 per year for $50,000 in property coverage.
In terms of customer satisfaction, Allstate ranked 10th in the country with lower-than-average customer satisfaction scores in recently industry studies.
Allstate's second-best rating was its coverage options due to its unique offering for identity protection and personal injury umbrella policies.
Allstate Renters Insurance Ratings
| Overall Score | 84 | 15 |
| Affordability | 55 | 26 |
| Customer Satisfaction | 20 | 10 |
| Coverage | 5 | 4 |
| Financial Strength | 4 | 2 |
Allstate Renters Insurance Ratings By State
While we have given you our ratings for Allstate renters insurance nationally, these scores can be misleading due to it not being localized. So below we've provided how the company stacks up compared to competition by state.
| AK | 78 | 2 |
| AL | 70 | 5 |
| AZ | 73 | 6 |
| CA | 78 | 4 |
| CO | 65 | 4 |
| CT | 88 | 3 |
| DC | 73 | 3 |
| DE | 63 | 4 |
| FL | 88 | 3 |
| GA | 37 | 7 |
| HI | 77 | 3 |
| IA | 45 | 8 |
| IL | 71 | 5 |
| IN | 69 | 5 |
| KS | 71 | 3 |
| KY | 72 | 5 |
| LA | 88 | 3 |
| MD | 55 | 7 |
| ME | 76 | 3 |
| MO | 43 | 7 |
| MS | 70 | 3 |
| MT | 82 | 4 |
| NC | 80 | 4 |
| ND | 70 | 3 |
| NH | 59 | 4 |
| NJ | 48 | 7 |
| NY | 56 | 6 |
| OH | 72 | 5 |
| OR | 75 | 4 |
| PA | 64 | 4 |
| RI | 78 | 5 |
| SC | 79 | 5 |
| SD | 67 | 7 |
| TX | 87 | 4 |
| UT | 63 | 6 |
| VA | 76 | 5 |
| WA | 67 | 3 |
| WI | 58 | 6 |
| WV | 64 | 4 |
Allstate Renters Insurance Cost
Depending on your profile, rates for Allstate renters insurance can range anywhere from $10 to $100 per month on average. Since costs vary so widely depending on factors specific to you, we've created a filterable table to compare costs for your profile nationally.
Data filtered by:Results filtered by:
Select
Coverage Level:$50K Personal Property / $100K Liability
Select
All Perils Deductible:1000
Select
Credit Tier:Good
Select
Claims History:Claim free for 5+ years
| $50K Personal Property / $100K Liability | $20 | $239 |
Allstate Renters Insurance Cost By State
To look into your costs more specific to your state, we've provided rates below.
| AK | $121 | $10 |
| AL | $489 | $41 |
| AZ | $278 | $23 |
| CA | $256 | $21 |
| CO | $175 | $15 |
| CT | $175 | $15 |
| DC | $250 | $21 |
| DE | $250 | $21 |
| FL | $289 | $24 |
| GA | $676 | $56 |
| HI | $233 | $19 |
| IA | $228 | $19 |
| IL | $197 | $16 |
| IN | $236 | $20 |
| KS | $162 | $14 |
| KY | $230 | $19 |
| LA | $379 | $32 |
| MD | $369 | $31 |
| ME | $153 | $13 |
| MO | $353 | $29 |
| MS | $556 | $46 |
| MT | $183 | $15 |
| NC | $344 | $29 |
| ND | $140 | $12 |
| NH | $204 | $17 |
| NJ | $470 | $39 |
| NY | $264 | $22 |
| OH | $216 | $18 |
| OR | $224 | $19 |
| PA | $311 | $26 |
| RI | $257 | $21 |
| SC | $256 | $21 |
| SD | $174 | $15 |
| TX | $163 | $14 |
| UT | $163 | $14 |
| VA | $225 | $19 |
| WA | $191 | $16 |
| WI | $165 | $14 |
| WV | $192 | $16 |
*Rates presented are for a renter with good credit, no claims history who is opting for a policy with $50,000 of personal property coverage.
Allstate Renters Insurance Discount Options
MoneyGeek’s research shows that Allstate offers five types of discounts to its policyholders, which is equal to the industry average. However, the company offers a unique discount to retirees that is not often seen with other providers. Below, we go over Allstate's discount offerings.
Discount | Description |
|---|---|
Auto-Pay | With Allstate’s Easy Pay Plan, you can save up to 5% on your policy by setting up automatic payments. The provider allows you to schedule monthly payments through your account. |
Multi-Policy | You can save up to 12% on renters insurance by bundling with another Allstate policy. |
Protective Device Discount | Allstate lets you earn a discount if you have installed theft or fire protection devices in your home. |
Claim Free Discount | If you don’t have a recent insurance claim and switch to Allstate, the company will let you save up to 20% on your renters insurance policy. |
Retiree Discount | If you’re at least 55 years old and retired, you’ll be eligible for a discount with Allstate. |
Allstate Renters Insurance Customer Satisfaction
Overall Allstate ranked below average for renters insurance customer satisfaction 9th out of 15 with a score that was 20 points below average in J.D. Power's recent study. The company also ranked lower than this for property claims satisfaction with a rank of 12th out of 15 or 27 points below average.
Allstate Renters Insurance Coverage Options
We've explained the additional coverages offered by Allstate with its renters insurance policy below.
Identity theft
With Allstate, you will be covered against legal fees, lost wages and other costs in case someone steals your identity. You can add this coverage to your policy for $36 per year.
Flood Insurance
This coverage helps you cover the replacement cost of your items in case of flood water damage.
Scheduled personal property
Allstate’s scheduled personal property coverage protects you against the cost of damages to valuables like engagement rings, musical instruments and more.
Personal injury
Allstate offers a personal umbrella policy that helps you pay for large liability claims exceeding your renters insurance liability limits.
Allstate Renters Insurance Review: Bottom Line
While Allstate ranked below our top ten nationally, you can find affordable renters insurance coverage with good service from the company in some areas. However, in most parts of the country, we recommend comparing around and finding a different option.
Allstate Renters Insurance: FAQ
Below we've answered some frequently asked questions about Allstate renters insurance:
Is Allstate renters insurance good?
Overall Allstate is a below average pick for renters insurance coverage, ranking 15th in the country in our nationwide study. The company has below average customer satisfaction scores and a low rating for affordability, ranking 26th overall.
How much does Allstate renters insurance cost?
Renters insurance from Allstate costs anywhere from $124 to $1,203 per year on average depending on your renter profile.
Is Allstate renters insurance cheap?
Allstate renters insurance did not rank as one of the more affordable providers in our study, ranking 26th overall for pricing.
How We Rated Renters Insurance Companies
To evaluate Allstate as a renters insurance company, MoneyGeek obtained information directly from Allstate’s website and manually collected quotes. We also used information available through consumer intelligence organizations such as J.D. Power, the NAIC and AM Best to see how Allstate stacked up to other insurance providers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.