Choosing an auto insurance company is difficult: companies' rates differ based on your location, age, and driving history, and companies offer an array of discounts. Allstate and Nationwide are two of America's most popular car insurance companies, providing high-quality insurance policies across most of America.
To help make insurance shopping seamless, we pulled average policy rates from Nationwide and Allstate. These take into account myriad rating factors, chief among which are credit quality, driving infractions, and demographics. Compare rates and find your next car insurance policy today.
Seeking additional insights? Check out our full reviews of Allstate and Nationwide.
If you have very poor credit, Nationwide could be a better option for you. On average, Nationwide offers cheaper rates than Allstate for drivers with credit scores of less than 580. Drivers with exceptional credit — a score of 800 or better — should opt for Check out common insurance rates by credit level for Nationwide and Allstate below.
| Credit level | Allstate avg. annual premium | Nationwide 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 |
If you're dealing with an at-fault accident, speeding ticket, reckless driving violation, or DWI on your driving résumé, Nationwide could be a better choice than Allstate. Each insurance company has different post-violation pricing structures, so it's worth comparing quotes to figure out which insurer is best for you.
| Infraction | Allstate avg. annual premium | Nationwide 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 |
Insurance companies use a driver's age to estimate risk, assigning rates accordingly. Car insurance is commonly most expensive for teen drivers — due to their increased odds of being involved in an accident — and more affordable for older drivers. Since each insurance company prices age tiers uniquely, it's a smart move to shop around.
As a general rule, teen drivers should choose Nationwide before Allstate: the former's average annual rates are $2,818 less than the latter's..
| Age tier | Allstate avg. annual premium | Nationwide 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 |
Setting aside cost, there are myriad pros and cons of both Allstate and Nationwide, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.
| Discount Comparison | Allstate | Nationwide |
|---|---|---|
| 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 Comparison | Allstate | Nationwide |
|---|---|---|
| Financial Strength | Superior | Superior |
| JD Power Rankings | ||
| User Satisfaction | A+ | A+ |
| Other Products | Allstate | Nationwide |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Allstate | Nationwide |
|---|---|---|
| About | Allstate 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. | Auto insurance from Nationwide gives you peace of mind. When you choose an On Your Side Auto Repair Network® facility, you can get a written guarantee on your car repairs. With our On Your Side Claims® Service, you also get personal service like the On Your Side® Review, an annual check-in with your insurance professional to review your coverage. And with multi-policy and other discounts, such as the SmartRide® and SmartMiles® usage-based programs, you get peace of mind and value. |
| Roadside Assistance | Allstate offers three types of roadside service to customers with and without an Allstate insurance plan. Annual roadside membership plans and pay-per-use plans are available, and if you have Allstate insurance, you can add roadside coverage to your policy. The pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $119 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). | 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 Discounts | Allstate 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 | Can you make your child a permissive user in order to get a discount? You are not required to make your son a permissive user, so that seems off. You may want to get in touch with Allstate's customer service or your agent. Do I have to list my spouse as a driver?You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy. Car insurance for elderly car owner who doesn't driveThere's a couple of ways to go about handling this. First, you need to be careful about your mother's registration. Can a claim be denied if I have scheduled personal property coverage for a home where I'm no longer living?The issue might be that the policy covering your wife's ring was intended to provide coverage for your primary residence. Most standard homeowners policies require that you actually live full time in the house for which the policy applies. See More Questions | Can I get an EMT discount with Nationwide? To my knowledge, Nationwide does offer discounts to EMT but I'm not 100% if there are any specifics to the state of California. Because car insurance is regulated at the state, there could be some implications regarding California's state legislator that would prohibit employment status being considered. What's the ADOT code for NationwideThe ADOT code for Nationwide would be listed on your policy documents. But for Nationwide, it is 0014. Is accident forgiveness a good idea for me?You might be a good contender for this policy option. Most lease contracts will require you to keep the vehicle in good condition. See More Questions |
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