State Farm vs Nationwide Car Insurance

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State Farm or Nationwide:
Which Company is Best for You?

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.

Go in-depth: Consult our comprehensive reviews of State Farm and Nationwide.


Compare State Farm vs. Nationwide auto insurance rates


State Farm vs. Nationwide: by credit level

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.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Nationwide VS. State Farm
Credit levelState Farm avg. annual premiumNationwide 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

State Farm vs. Nationwide: high-risk insurance rates

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.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: Nationwide VS. State Farm
ViolationState Farm avg. annual premiumNationwide 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

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 BRACKET INSURANCE RATE COMPARISON: Nationwide VS. State Farm
AgeState Farm avg. annual premiumNationwide 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

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 ComparisonState FarmNationwide
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 ComparisonState FarmNationwide
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+

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Other FeaturesState FarmNationwide
AboutGet 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.Nationwide demonstrates customer appreciation and respect through dedicated, licensed professionals and superior claim service.
Roadside AssistanceState 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 DiscountsState 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 QuestionsCan 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%.
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.
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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.
Will an insurance company tell me if someone has paid a loan off?
Unfortunately an insurance company is not able to get information on another person's loan status due to privacy laws. Typically when a loan is fully paid off for a vehicle, then the title is transferred to the owner, who should then turn it over to you with the vehicle.
I was rear-ended but the driver drove off before we exchanged information
The safest course of action would be to contact your insurance company with all the information possible. Including the police report and the at-fault driver's license plate information.
If I hit an uninsured driver, can he go after me for damages?
Georgia isn't a "No-Pay No-Play" state, so if the insured driver is considered to be at-fault for the crash then the not at-fault party's insurance status does not have a bearing on any claims payout. Long story short, they can claim their vehicle damage and injuries if the other driver is at-fault.
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