# State vs Calk NZ

The clearest difference is in-app purchases: State at none against Calk NZ's 1. State also leads on ads (none vs shown). Calk NZ's advantage is iOS requirement (15.0 vs 17.0). On price, update cadence and device support there is nothing between them.

Both are free to download. Calk NZ sells 1 one-off in-app purchase. State asks for nothing beyond the download.

State ships an update monthly, Calk NZ every 3 weeks. The most recent releases landed on October 10, 2026 and October 9, 2026 respectively.

## The numbers

| Metric | State | Calk NZ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (4 ratings)](https://appshunter.io/ios/app/state/id995079326/reviews)** | — |
| Number of ratings | **4** | — |
| Positive reviews | 10.8% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | Free | — |
| Size | 78 MB | 144 MB |
| Requires iOS | 17.0 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [IAG New Zealand Limited](https://appshunter.io/developer/785110129) | [Konstantin Iakovlev](https://appshunter.io/developer/1896744607) |

## What reviewers say

### State

[App page](https://appshunter.io/ios/app/state/id995079326)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Makes insurance easy
- 👍 Renewals are simple
- 👍 Checking insurance cover is easy
- 👍 Printing documents is easy
- 👍 Easy to pay online (once accessed)

**What reviewers complain about**

- 🐛 App requires newer phone/OS
- 🐛 Login issues (timeouts, incorrect password)
- 🐛 Difficult to make changes/add drivers
- 🐛 Slow and unfriendly customer service
- 🐛 Claim processing is slow

**Reported bugs**

- App requires newer phone/OS
- Login issues (timeouts, incorrect password, constant logouts)
- Cannot add drivers/make changes
- Security number expiry issues
- Claim processing delays

**Requested features**

- Allow adding drivers on the app
- Allow making changes to policies on the app
- Show monthly/weekly/fortnightly/annual premium in summary
- Clearly show payment transaction statement in one place
- Allow adding new addresses manually


### Calk NZ

[App page](https://appshunter.io/ios/app/calk-nz/id6774464665)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Remove Ads | $2.99 | one-time |


## Frequently asked questions

### Is State free?

State is free to download, with no in-app purchases.

### Is Calk NZ free?

Calk NZ is free to download, with in-app purchases available.

### Do State or Calk NZ have ads?

Calk NZ shows ads; State does not.

### Which is updated more often, State or Calk NZ?

State ships an update monthly, and Calk NZ every 3 weeks. Most recently, State was updated on October 10, 2026 and Calk NZ on October 9, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*