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State Farm or Nationwide: Which company is best for you?

Two of America's most popular insurance companies, State Farm and Nationwide each offers a variety of insurance options. Read on to see which company comes out on top.

State Farm car insurance

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4.5 Rating from The Zebra Question mark icon

State Farm is among the nation's most popular auto insurance companies, claiming nearly one-fifth of U.S. car insurance market share. The company's network of agents ensure each customer receives a personalized experience. The company received good ratings from third-party reviewers and customers alike, earning positive assessments of its customer relations and finances, and strong overall placement in The Zebra's independent customer satisfaction survey.

Pros Cons
  • Cheaper than average rates
  • An array of available coverages
  • Great customer satisfaction scores
  • Local agents across the U.S.
  • Not ideal for drivers with poor driving records
  • Few add-on coverages for those with special insurance needs
  • Much more expensive for drivers with poor credit
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Nationwide car insurance

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3.5 Rating from The Zebra Question mark icon

Nationwide is also one of the largest car insurance companies in the U.S. Customers can expect relatively affordable rates, a variety of discount options and a wide selection of coverage lines to pair with an auto policy. Nationwide customers can bundle auto insurance with homeowners, renters and life insurance policies, to name a few.

Pros Cons
  • Many coverage options
  • Multiple telematics options
  • Affordable rates
  • Numerous discount options
  • Overall customer satisfaction scores are poor
  • High number of complaints (according to the NAIC)                          
Learn more

Which company comes out on top?

State Farm


State Farm tops Nationwide in a variety of categories: it earned higher marks in The Zebra's Customer Satisfaction Survey, placing third overall (Nationwide ranked ninth). In the survey, State Farm scored 4.7 out of 5 in Claims Satisfaction and 4.5 out of 5 in Customer Satisfaction. State Farm's rates were higher than Nationwide's, on average, so price-conscious consumers should consider both options. 


State Farm vs. Nationwide: car insurance rate comparison

Choosing an auto insurance company can be tricky: rates may vary based on your location, vehicle, and driving record, and companies offer an array of perks. State Farm and Nationwide are two the nation's most popular insurers, offering high-quality insurance policies across large portions of the country.

To simplify the shopping process, we've gathered average rates from Nationwide and State Farm. These rates take into account various factors, including credit history, driving record, and age. Examine these figures and find the right policy for you.

To learn more about each company, check out our in-depth reviews of State Farm and Nationwide.

Cheapest average rates
Cheapest average rates

The insurer with the cheapest rates is Nationwide, at $90 per month, less expensive than State Farm's $108 per month


State Farm vs. Nationwide: pricing by credit score

If you have a low credit score, Nationwide is among the more affordable options. On average, Nationwide offers some of the most affordable rates for drivers with credit scores lower than 580. Drivers with exceptional credit — scores of 800-plus — should also lean toward Nationwide, which bests State Farm's rates by $18 per month. See below typical insurance rates by credit tier for Nationwide and State Farm.

 

RATES BY CREDIT LEVEL: NATIONWIDE VS. STATE FARM
Credit level State Farm avg. annual premium Nationwide avg. annual premium
Very Poor (300-579) $3,522 $1,593
Fair (580-669) $2,003 $1,262
Good (670-739) $1,613 $1,283
Very Good (740-799) $1,451 $1,109
Exceptional (800-850) $1,260 $1,037

Auto insurance data methodology

The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.

In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.

State Farm vs. Nationwide: rates for high-risk drivers

If you have an at-fault crash, speeding ticket, reckless driving violation or DWI on your résumé, your rates could be lower with Nationwide than with State Farm. Every auto insurance company prices policies differently after a violation, so don't be afraid to shop around to figure out which insurer suits you.

 

RATES BY CITATION: NATIONWIDE VS. STATE FARM
Citation 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
DUI/DWI $3,854 $2,691
Reckless driving $2,895 $2,508
Speeding ticket $1,983 $1,469

State Farm vs. Nationwide: rates by age

Auto insurance companies use a driver's age to gauge risk, pricing premiums accordingly. Auto insurance policies are usually expensive for teen drivers — due to their lack of driving experience — and cheapest for middle-aged drivers. Because every car insurance company assigns rates differently, it's always a good idea to compare rates.

As a general rule, teen drivers concerned about cost should choose Nationwide over State Farm. The former is one of the best budget choices for young drivers. 

 

RATES BY AGE: NATIONWIDE VS. STATE FARM
Age tier State Farm avg. annual premium Nationwide avg. annual premium
Teens $5,820 $3,624
20s $2,379 $1,582
30s $1,585 $1,582
40s $1,587 $1,151
50s $1,558 $1,114
60s $1,485 $1,028

Aside from their rates, State Farm and Nationwide each comes with pros and cons, including their customer satisfaction ratings, discount programs, add-ons and financial stability. Be sure to get quotes and compare rates before settling on a policy.

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Ratings comparison: State Farm vs. Nationwide

As two of the largest insurance companies in the United States, State Farm and Nationwide have received ratings from third-party evaluators for years. We've collected some of these recent ratings to help you determine each company's customer satisfaction standards, complaint ratios and financial security scores.

State Farm vs. Nationwide
Ratings comparison State Farm Nationwide
Financial strength (A.M. Best) Excellent Superior
JD Power (claims satisfaction) Above average Average
JD Power (customer satisfaction) Above average Poor
NAIC rating Above average Below Average
The Zebra's editorial review score 4.5 3.5/5
The Zebra's Customer Satisfaction Survey 4.5/5 4.3/5

Which company scores best?

State Farm


State Farm earned better ratings than Nationwide across the board in categories such as customer satisfaction, claims satisfaction, number of formal complaints and even financial security. The Zebra's editorial reviews placed State Farm well above Nationwide (4.5 versus 3.5, out of a possible 5).


The Zebra's Customer Satisfaction Survey

The Zebra conducted an in-house survey of insurance consumers to discover how they viewed their insurance companies across a number of topics. See below how each of these companies performed.

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State Farm

State Farm came in third overall with a score of 4.5. See additional survey highlights below.

  • Scored well with younger drivers
  • Second place for claims satisfaction
  • Third place for ease, customer service, trust and willingness to recommend
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Nationwide

Nationwide placed near the middle of the pack in most categories. Out of the 15 companies for which we gathered data, Nationwide auto insurance placed 9th overall with a score of 4.3. While it struggled in the claims satisfaction category, Nationwide is generally viewed as a trustworthy company.

  • Nationwide auto insurance placed 9th overall
  • Millennial and Gen X respondents rated Nationwide highly for ease of interaction
  • Scored poorly for claims satisfaction and online satisfaction

The Zebra Customer Satisfaction Survey methodology

Findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2021.


State Farm vs. Nationwide: discount comparison

Below you can see a head-to-head rundown of discount options for auto insurance.

State Farm vs. Nationwide: discount comparison
Discount comparison State Farm 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

In addition to the offers listed above, State Farm may provide an additional discount for vehicles built in 1994 or later, depending on the loss experience of the specific vehicle model.


Telematics options: State Farm vs. Nationwide

State Farm and Nationwide each has a telematics program. The companies' offerings — Drive Safe & Save and SmartRide, respectively — share much in common, but one may better suit your specific needs. See more information about each company's mobile app below. 

State Farm logo
State Farm Drive Safe & Save

State Farm Drive Safe & Save is a good option for safe and low-mileage drivers. The company claims that it can save customers up to 50% on premiums, though these types of savings are most likely to be seen by lower-mileage drivers. The program is available across most of the United States.

nationwide logo
Nationwide SmartRide

SmartRide is Nationwide's telematics offering, giving safe drivers the chance to save money. Because the app tracks your driving habits, it also provides feedback in an effort to help you avoid risk and stay safe.

Zebra Tip: Look into telematics offerings


Each company offers solid usage-based insurance options. Be sure to look into potential benefits and discounts affiliated with telematics before purchasing a policy. 


Roadside assistance: State Farm vs. Nationwide

Find below summaries of the different roadside assistance options available from the companies.

State Farm

State Farm's Emergency Road Service offers the following:

  • Mechanical labor at the place of breakdown
  • 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
  • Locksmith services

 

Nationwide

To provide roadside assistance to its customers, Nationwide also partners with Agero. Drivers who add roadside assistance receive access to the following services:

  • Towing
  • Battery jump start
  • Fuel delivery
  • Flat-tire change
  • Winching services
  • Lock-out services
tow truck

State Farm vs. Nationwide: home insurance

While each company has a huge presence in the car insurance industry, the same is true of homeowners insurance. Each company has unique coverage options and price points. See our comparison to find out which company might be the best fit for your home insurance needs.

State Farm homeowners insurance review

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4 Rating from The Zebra Question mark icon

State Farm has a number of solid options for coverage extras, making the company a great option for customers looking for flexible coverage. The company's rates are often more expensive than average. The company suffers from a lack of available homeowners discounts, with just four discount options available currently. State Farm's home insurance policies earn positive ratings from third-party reviewers, and the company ranked fifth overall in The Zebra's Customer Satisfaction Survey. Still, homeowners looking for basic insurance with minimal bells or whistles may want to look elsewhere.

Learn more about State Farm home insurance in our detailed review below.

  • The Zebra Customer Satisfaction Survey — 4.4/5: State Farm earned above-average reviews, compared with the top 15 home insurance providers in our study.
  • Claims satisfaction (J.D. Power Rating) — Below average: J.D. Power's most recent study rated State Farm as just shy of the industry average for property claims satisfaction.
  • Customer satisfaction (J.D. Power Rating) — Above average: State Farm was awarded an above-average rating for customer satisfaction in J.D. Power's Home Insurance Study.
  • Financial strength — Excellent: A.M. Best rated State Farm as having excellent financial viability, signaling its ability to pay for claims.
  • NAIC Rating — Average: State Farm's home insurance received an average amount of complaints as logged by the National Association of Insurance Commissioners (NAIC).
Learn more

Nationwide homeowners review

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3.99 Rating from The Zebra Question mark icon

Nationwide is a popular option for homeowners insurance, due to its solid product offerings and relatively affordable rates. The company earned roughly average reviews from various third-party reviewers and consumers, placing 10th in The Zebra's Customer Satisfaction Survey. 

  • The Zebra Customer Satisfaction Survey — 4.3/5: Nationwide placed 10th overall in The Zebra's homeowners insurance customer survey. 
  • Claims satisfaction (J.D. Power) — Above average: J.D. Power's property claims satisfaction study for 2021 gave Nationwide an above-average score of 892 out of 1,000.
  • Customer satisfaction — (J.D. Power) — Below average: Nationwide earned below-average marks in J.D. Power's study of customer satisfaction. 
  • Financial strength — Superior: AM Best rates Nationwide an A+.
  • NAIC Rating — Above Average: Nationwide received fewer complaints than did other major homeowners insurance companies.
Learn more

Which company comes out on top?

Tie


Each company has appealing home insurance product offerings, and each earned similar reviews from customers and unbiased third-party sources. As an insurance customer, take some time to compare quotes, discounts and coverage options to understand which company best fits your unique coverage needs.


State Farm vs. Nationwide: home insurance rate comparison

Average annual home insurance rates with State Farm are $1,356. Nationwide's average is a bit cheaper, at $1,236 per year. Nationwide and State Farm vary in their underwriting practices, so it's important to consider your quotes may not match these exactly when looking for coverage. 

Much like auto insurance rates, homeowners insurance prices can vary based on certain factors. Companies use your insurance history, along with historical data relating to your location, when putting together your quotes.

Cheapest average rates
Cheapest average rates

The insurer with the cheapest home insurance rates is Nationwide, at $103 per month, slightly cheaper than State Farm's average of $113 per month.

Homeowners insurance data methodology

The homeowners insurance rates published in this guide are based on The Zebra's analysis of the cost of home insurance in every U.S. ZIP code. These rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:

  • $200,000 for the dwelling
  • $20,000 for other structures
  • $100,000 for personal property
  • $100,000 for personal liability
  • $1,000 deductible

To generate pricing for particular rating factors, we adjusted the homeowner profile based on common pricing factors used by major home insurance companies. These factors include location, coverage limits, claims record and others.


State Farm vs. Nationwide: homeowners discount comparison

Both companies provide home insurance discounts for customers who meet certain criteria. While these discounts are not as plentiful as many competitor companies, they may help customers find significant savings.

STATE FARM VS. NATIONWIDE: HOMEOWNERS DISCOUNT COMPARISON
Discount comparison State Farm Nationwide
Claims free
Recent home buyer
Multi-policy
Early signing
Newer/more durable roof
Protective devices (smoke/burglar alarms, etc...)
Paid in full
Auto pay
New home construction
Gated community
Home renovation
Smart home

Zebra tip: Check out Nationwide for homeowners insurance discounts


Nationwide offers more discount options than State Farm for qualifying customers. Note that this doesn't mean the company will be the cheapest option for everyone.


Other insurance products and bundling options

Both State Farm and Nationwide have many insurance products available, with the option to bundle policies for extra savings. See how the product offerings from State Farm and Nationwide compare below.

State Farm vs. Nationwide: other insurance products
Other products State Farm Nationwide
Boat insurance
Condo insurance
Life insurance
Homeowners insurance
Travel trailer insurance
Renters insurance
RV insurance
Motorcycle insurance
Mobile home insurance
Umbrella
ATV insurance
Pet insurance
Commercial insurance

Find the best insurance policy for your needs.

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RECENT QUESTIONS

Does State Farm cover rodent damage to my car's electrical wiring through comprehensive coverage?

While I can&#x27;t speak specifically for State Farm, most companies will cover damage caused by a rodent under comprehensive coverage. For specifics about your State Farm policy, you will want to contact them directly.
Jun 11, 2019 Brewster, NY

Will my State Farm Car insurance cover the damages to a person's balcony if we hit it while driving a Uhaul?

Yes, your State Farm policy should cover the damages that you caused. That is what your liability coverage is for.
Sep 28, 2018 Long Beach, CA

Does state farm require you have a police report to file a claim?

Most companies do not require you to have a police report to file a claim. Double-check with State Farm to make sure but you shouldn&#x27;t have any problems.
Sep 26, 2018 Chesterfeild, MI

I started a claim but canceled it with no payout. Why is it on my CLUE report?

Unfortunately, if you start the claims process, the insurance company can list it on your CLUE report through LexisNexis which contains your claims history — even if there was no payout or resolution. You can dispute with State Farm to see if they will remove it, but at this point, that is really the only option which is definitely frustrating.
Jul 7, 2019 La Mirada, CA

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.