State Farm vs Nationwide Car Insurance

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

Selecting an auto insurance company can be tricky: the rates each insurer offers can vary widely by location, age, and driving history, and companies offer an array of perks. State Farm and Nationwide are two of the top car insurance companies, selling affordable policies in most American states.

To take the sting out of shopping for car insurance, we collected average prices from Nationwide and State Farm. These take into consideration an array of rating factors, including credit score, driving behavior, and age. Examine these rates and find an affordable policy today.


Compare State Farm vs. Nationwide auto insurance rates


State Farm vs. Nationwide: pricing by credit score

If you have very poor credit, Nationwide could be the way to go. On average, Nationwide offers lower prices than State Farm for drivers with credit scores of lower than 580. Those with excellent credit — a score of 800 or higher — should consider Check out 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 rate comparison

If you have an at-fault collision, ticket, reckless driving citation, or DUI in your recent history, Nationwide could be a better choice than State Farm. Every auto insurance company enacts rate penalties differently, so don't be afraid to shop around to understand which insurer is best for 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 a driver's age to outline potential risk, assigning rates accordingly. Car insurance is typically expensive for teen drivers — thanks to their inexperience — and relatively affordable for middle-aged drivers. Because each insurance company evaluates ages uniquely, it's smart to shop around and find the perfect policy for you.

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..


RATES BY AGE BRACKET: Nationwide VS. State Farm
Age tierState 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

Aside from affordability, there are myriad pros and cons of both State Farm and Nationwide, 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
3 out of 5
4 out of 5
User Satisfaction

A++

A+

Other ProductsState FarmNationwide
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
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 QuestionsWill my State Farm Car insurance cover the damages to a person’s balcony if we hit it while driving a Uhaul?

I have state farm car insurance and I purchased additional Uhaul insurance that had liability coverage. I hit another person’s ...

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

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One deductible for two accidents?

Two accidents w/ objects 2 weeks apart. One damaged front bumper, other the back bumper. Can I file 1 claim ...

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I need the ADOT code for Nationwide....

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Luckily, their license plate was attached to my bumper. What’s the best way to handle it? Visit the address the ...

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Compare MoreState Farm vs. 21st Century State Farm vs. Allied State Farm vs. Allstate State Farm vs. American Family State Farm vs. Amica Mutual Insurance State Farm vs. Auto Club (AAA) State Farm vs. Erie State Farm vs. Esurance State Farm vs. Farmers State Farm vs. Foremost State Farm vs. GEICO State Farm vs. Infinity State Farm vs. Liberty Mutual State Farm vs. Mercury State Farm vs. MetLife State Farm vs. Metromile State Farm vs. Progressive State Farm vs. Root State Farm vs. SAFECO State Farm vs. Safe Auto State Farm vs. The General State Farm vs. The Hartford State Farm vs. Titan State Farm vs. Travelers State Farm vs. USAANationwide vs. 21st Century Nationwide vs. Allstate Nationwide vs. American Family Nationwide vs. Amica Mutual Insurance Nationwide vs. Auto Club (AAA) Nationwide vs. Erie Nationwide vs. Esurance Nationwide vs. Farmers Nationwide vs. Foremost Nationwide vs. GEICO Nationwide vs. Infinity Nationwide vs. Liberty Mutual Nationwide vs. Mercury Nationwide vs. MetLife Nationwide vs. Progressive Nationwide vs. Root Nationwide vs. SAFECO Nationwide vs. Safe Auto Nationwide vs. The General Nationwide vs. The Hartford Nationwide vs. Travelers Nationwide vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
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