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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.
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.
|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 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.
|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 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..
|Age tier||State Farm avg. annual premium||Nationwide avg. annual premium|
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 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||3 out of 5||4 out of 5|
|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.||Nationwide demonstrates customer appreciation and respect through dedicated, licensed professionals and superior claim service.|
|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||What could be the reason State Farm increased my premium?|
I started a claim but canceled it with no payout. Why is it on my CLUE report?
No accident, no ticket, no changes on my side. It is not normal for a premium to increase for no ...
Does State Farm match auto insurance quotes with other companies?
As I stated, nothing at all was done on a claim I started, just conversation. But when I bought coverage ...
Should I choose a company that is cheaper for my auto insurance or my home?
In shopping around, I can see that GEICO can offer me the same policy for about $100 cheaper. Will State ...
See More Questions
I’m shopping for my home and auto insurance. I got competitive quotes from Travelers and State Farm. Which company is ...
|What’s the ADOT code for Nationwide|
Will an insurance company tell me if someone has paid a loan off?
I need the ADOT code for Nationwide....
I was rear-ended but the driver drove off before we exchanged information
I’m buying a vehicle from somebody but there’s a loan on it. I’d like to verify that it’s already paid ...
If I hit an uninsured driver, can he go after me for damages?
Luckily, their license plate was attached to my bumper. What’s the best way to handle it? Visit the address the ...
See More Questions
I live in Georgia and got into an accident. But the driver I hit didn’t have insurance. Can he still ...
|Compare More||State 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. Farm Bureau Mutual 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. North Star Mutual 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. USAA||Nationwide 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. Farm Bureau Mutual Nationwide vs. Farmers Nationwide vs. Foremost Nationwide vs. GEICO Nationwide vs. Infinity Nationwide vs. Liberty Mutual Nationwide vs. Mercury Nationwide vs. MetLife Nationwide vs. North Star Mutual 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 Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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