State vs Milford
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
State
Manage your insurance policies, make payments, and start claims 24/7. Get new quotes in minutes and access all your policy documents easily. Log in quickly with PIN or Face ID.
- 24/7 insurance management
- Fast login with PIN/Face ID
- Online claim submission and tracking
- Policy payment management
- View policy information and documents
- Get new quotes in 2 minutes
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About this app Your State insurance anytime, anywhere. With the State app, we’re here for you 24/7. Manage your insurance with faster log in using a PIN or face ID. Make a claim online Starting your claim is easy in the app. If you need to claim for home or motor insurance, you can start a draft, make a claim, and check your claim’s progress every step of the way. Easily manage your payments Make a payment for your policy straight from the app. All your policies in one place View your policy information and documents in the app. You can see what you’re covered for at any time. And choose to get your insurance documents by email or by post. Get a quote Get a new quote in 2 minutes. Or find an existing motor quote and pick up where you left off.
Milford
Manage your investments with ease. Track your balance, view personalized performance, and see where your money is invested. Access transaction history, reports, and statements all in one place.
- View account balance
- Personalized performance tracking
- Investment allocation overview
- Transaction history
- Access reports and statements
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Milford's Mobile App makes it easy to keep track of your investments. You can see your balance, personalised performance and where your money is invested. You can also easily view your transaction history and access reports and statements.
Screenshots
Verdict
The clearest difference is rating: State at 4.5 against Milford's 3.4. Milford's advantage is review sentiment (40% vs 11%) and iOS requirement (15.1 vs 17.0). On price, ratings volume, update cadence and ads there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
State holds the better App Store score, 4.5 against 3.4. Both are backed by a comparable volume of ratings — 4 and 5 respectively. Written reviews complicate that: 11% of State's written reviews are positive against 40% of Milford's, so the app with the better star average is not the one people write more warmly about.
Both ship on a similar rhythm, roughly monthly. The most recent releases landed on September 14, 2026 and August 14, 2026 respectively.
| Parameter | State | Milford |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (4 ratings) — better | 3.4 (5 ratings) |
| Positive reviews | 10.8% of reviews | 40.0% of reviews — better |
| Number of ratings | 4 | 5 — better |
| Update frequency | Monthly | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 17.0 | 15.1 — better |
| Further details — not scored | ||
| Size | 76 MB | 67 MB |
| Age rating | 4+ | 4+ |
| Developer | IAG New Zealand Limited | Milford Asset Management Limited |
Customer experience
State
Milford
In-app purchases
State
No in-app purchases
Milford
No in-app purchases
