Allstate vs Nationwide

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Allstate or Nationwide:
Which Company is Best for You?

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.

 

Allstate vs. Nationwide: rate comparison

 

Allstate vs. Nationwide: rates by credit level

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.

 
RATES BY CREDIT LEVEL: NATIONWIDE VS. ALLSTATE
Credit levelAllstate 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: rates for bad drivers

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.

 
RATES BY CITATION: NATIONWIDE VS. ALLSTATE
InfractionAllstate 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 bracket

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..

 
RATES BY AGE: NATIONWIDE VS. ALLSTATE
Age tierAllstate 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
 

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 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.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 AssistanceAllstate 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 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 QuestionsCan 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 drive
There'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.
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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 Nationwide
The 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.
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