Choosing an auto insurance company can be tricky: the rates each insurer offers can vary widely by driving record, location, and age, and companies offer an array of discounts. State Farm and Nationwide are two of the top auto insurance companies, providing competitively priced policies in many states.
To make shopping for car insurance easier, we pulled average insurance premiums from Nationwide and State Farm. These take into consideration a variety of rating factors, including credit, driving history, and age. Examine these figures and find your next car insurance policy today.
If you have very poor credit, Nationwide could be the way to go. On average, Nationwide offers more affordable rates than State Farm for drivers with credit scores of lower than 580. Drivers with exceptional credit — a score of 800-plus — should opt for View typical insurance rates by credit level for Nationwide and State Farm below.
|Credit level||State Farm avg. annual premium||Nationwide avg. annual premium|
|Very Poor (300-579)||$3,522||$1,593|
|Very Good (740-799)||$1,451||$1,109|
If you have an at-fault crash, speeding ticket, reckless driving citation, or DWI on your record, Nationwide could be a better choice than State Farm. Every insurer prices its policies differently, so don't be afraid to shop around to figure out which insurer suits you.
|Violation||State Farm avg. annual premium||Nationwide avg. annual premium|
|At-fault accident (damage < $1,000)||$2,849||$1,836|
|At-fault accident (damage > $1,000)||$1,524||$1,475|
Insurance companies use age to indicate risk, pricing premiums accordingly. An auto insurance policy is usually more expensive for teen drivers — thanks to their inexperience — and more affordable for drivers aged 25 or older. Because every insurance company evaluates ages differently, it's a smart move to shop around.
As a general rule, teen drivers should choose Nationwide over State Farm: the former's average annual rates are $2,196 less than the latter's..
|Age||State Farm avg. annual premium||Nationwide avg. annual premium|
Affordability aside, State Farm and Nationwide come with pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.
|Discount Comparison||State Farm||Nationwide|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||State Farm||Nationwide|
|JD Power Rankings||Above average||Above average|
|Other Products||State Farm||Nationwide|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||State Farm||Nationwide|
|About||Get the protection you need at a price you can afford with State Farm; offering packaged options, discounts and custom coverage to meet any driver's needs.||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||State Farm's Emergency Road Service offers mechanical labor at the place of breakdown, the towing of your vehicle to a repair facility, removal of a stuck vehicle, delivery of gas or oil, assistance with changing a tire or a jumpstart, 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||State Farm offers an additional discount for vehicles made in 1994 or later, depending on the loss experience of the vehicle make and model.||Nationwide offers additional savings through a Family Discount, which allows you to share discounts with members of your family.|
|Recent Questions||Should I file a claim through State Farm?|
These kinds of situations are going to depend greatly on your current finances and insurance premiums. If you've previously had a clean record, an accident will typically increase your rates by about 20 to 30%.Can my new insurer cover a bodily injury claim made against me from my past accident when I was covered by a different company?
Unfortunately, State Farm will not handle your recent bodily injury claim since you no longer have a policy with them. Progressive would be the one to handle that claim since that is your current active plan.My car was towed by an apartment complex, will State Farm reimburse me for the towing cost?
Roadside assistance covers towing but it won't cover your car being towed by someone else. Your insurance company will not cover the cost of your car being towed from parking in the wrong location.What could be the reason State Farm increased my premium?
Since it is policy-specific, State Farm will be the only one who can answer why the rate increased by 39%. I am not aware of any insurance law in California that would cause an increase of 39%.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 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.See More Questions
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