Allstate vs Nationwide Car Insurance

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Allstate or Nationwide:
Which Company is Best for You?

Deciding on an auto insurance company is sometimes difficult: rates fluctuate based on your driving record, age, and location, and insurers offer a variety of perks. Allstate and Nationwide are two of the nation's most popular insurance companies, offering affordable policies in many states.

In an effort to simplify the comparison process, we gathered typical rates from Nationwide and Allstate. The below cover a variety of rating factors, including credit rating, driving infractions, and age. Examine these rates and find the right policy for you.

 

Allstate vs. Nationwide: insurance rate comparison

 

Allstate vs. Nationwide: pricing by credit score

If you have very poor credit, Nationwide could be preferable to Allstate. On average, Nationwide offers lower premiums than Allstate for drivers with credit scores of lower than 580. Drivers with extraordinary credit — a score of 800-plus — should lean toward Check out average insurance rates by credit score for Nationwide and Allstate below.

 

RATES BY CREDIT SCORE: Nationwide VS. Allstate
Credit scoreAllstate avg. annual premiumNationwide avg. annual premium
Very Poor (300-579)$3,117$1,593
Fair (580-669)$2,162$1,262
Good (670-739)$2,021$1,283
Very Good (740-799)$1,820$1,109
Exceptional (800-850)$1,743$1,037

 

Allstate vs. Nationwide: high-risk insurance rates

If you are dealing with an at-fault crash, speeding ticket, reckless driving citation, or DUI on your résumé, Nationwide could be a better choice than Allstate. Every auto insurance company prices policies differently after a violation, so don't hesitate to shop around to understand which insurer suits you.

 

HIGH-RISK INSURANCE RATE COMPARISON: Nationwide VS. Allstate
CitationAllstate avg. annual premiumNationwide avg. annual premium
At-fault accident (damage < $1,000)$3,006$1,836
At-fault accident (damage > $1,000)$2,290$1,475
DUI/DWI$3,637$2,691
Reckless driving$3,388$2,508
Speeding ticket$2,256$1,469

 

Allstate vs. Nationwide: rates by age

Insurers rely on age to indicate risk, assigning rates accordingly. A car insurance policy is often priciest for drivers younger than 25 — due to their inexperience — and more affordable for older drivers. Because every insurance company evaluates ages in a different way, it's wise to compare rates and find great coverage.

As a general rule, teen drivers should choose Nationwide instead of Allstate: the former's average annual rates are $2,818 less than the latter's..

 

RATES BY AGE BRACKET: Nationwide VS. Allstate
AgeAllstate avg. annual premiumNationwide avg. annual premium
Teens$6,442$3,624
20s$2,636$1,582
30s$1,920$1,582
40s$1,912$1,151
50s$1,893$1,114
60s$1,768$1,028

 

Finances aside, there are myriad pros and cons of both Allstate and Nationwide, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

Discount ComparisonAllstateNationwide
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonAllstateNationwide
Financial Strength SuperiorSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
User Satisfaction

A+

A+

Other ProductsAllstateNationwide
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesAllstateNationwide
AboutAllstate gives quality protection at a great price, complete with personal attention and service you need to choose coverage that makes the most sense for you.Nationwide demonstrates customer appreciation and respect through dedicated, licensed professionals and superior claim service.
Roadside AssistanceEvery Allstate customer has access to Allstate's 24/7 Roadside network with no annual fee. This pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $99 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). For prepaid options, you may choose Allstate Motor Club for full coverage or elect to add Towing & Labor Coverage to your auto policy.Nationwide's Roadside Assistance is available in select states. Two levels of emergency Roadside Assistance coverage—Basic and Plus—are available. Nationwide Roadside Assistance Basic applies to everyone on your policy, in any car you might occupy with coverage that includes towing up to 15 miles, ditch extraction service, emergency fuel, battery jump-start, locksmith services up to $100 and tire changes. Nationwide Roadside Assistance Plus includes all the previously listed services in addition to a tow up to 100 miles and trip interruption coverage that may reimburse your expenses up to $500 for alternate transportation, lodging and meals if you find yourself broken down 100 or more miles from home.
Additional DiscountsAllstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired.Nationwide offers additional savings through a Family Discount, which allows you to share discounts with members of your family.
Recent Questions
Compare MoreAllstate vs. 21st Century Allstate vs. Allied Allstate vs. American Family Allstate vs. Amica Mutual Insurance Allstate vs. Auto Club (AAA) Allstate vs. Erie Allstate vs. Esurance Allstate vs. Farm Bureau Mutual Allstate vs. Farmers Allstate vs. Foremost Allstate vs. GEICO Allstate vs. Infinity Allstate vs. Liberty Mutual Allstate vs. Mercury Allstate vs. MetLife Allstate vs. North Star Mutual Allstate vs. Progressive Allstate vs. Root Allstate vs. SAFECO Allstate vs. Safe Auto Allstate vs. State Farm Allstate vs. The General Allstate vs. The Hartford Allstate vs. Titan Allstate vs. Travelers Allstate vs. USAANationwide vs. 21st Century Nationwide vs. American Family Nationwide vs. Amica Mutual Insurance Nationwide vs. Auto Club (AAA) Nationwide vs. Erie Nationwide vs. Esurance Nationwide vs. Farm Bureau Mutual Nationwide vs. Farmers Nationwide vs. Foremost Nationwide vs. GEICO Nationwide vs. Infinity Nationwide vs. Liberty Mutual Nationwide vs. Mercury Nationwide vs. MetLife Nationwide vs. North Star Mutual Nationwide vs. Progressive Nationwide vs. Root Nationwide vs. SAFECO Nationwide vs. Safe Auto Nationwide vs. State Farm Nationwide vs. The General Nationwide vs. The Hartford Nationwide vs. Travelers Nationwide vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
Additional Resources:

Allstate vs Nationwide

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