Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Jul 23, 2021

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Key Takeaways

  • Nationwide car insurance is available nationwide, but you may have some difficulty in California or Michigan.
  • Despite competitive rates, Allstate insurance has more discounts than Nationwide insurance.
  • Drivers can save up to 27 percent on car insurance with a clean driving record.

If you were searching for a comparison between Allstate insurance and Nationwide insurance, you’ve come to the perfect place for an Allstate vs. Nationwide car insurance review.

Car insurance companies like Allstate and Nationwide have earned their high ranking in the car insurance industry by providing good coverage, affordable rates, and plenty of discounts.

In our Allstate vs. Nationwide auto insurance guide, we’ll compare Allstate vs. Nationwide auto insurance quotes, ratings, coverage options, discounts, and more.

Continue reading to get a comprehensive review of Allstate vs. Nationwide car insurance, or enter your ZIP code to start comparing multiple companies in your local area.

Allstate vs. Nationwide car insurance: Who is the cheapest company?

Saving money on car insurance is one of the main reasons for reading an Allstate vs. Nationwide auto insurance review.

Both companies have been around for a while, and they’ve each become one of the top insurers in the country. You can see in the table below how they compare by market share.

Allstate vs. Nationwide Car Insurance Overview
SummaryAllstate Car Insurance StatsNationwide Car Insurance Stats
Year Founded19311926
Headquarters3075 Sanders Road Northbrook, IL 60062-7127One West Nationwide Blvd. Columbus, OH 43215-2220
Company Phone Number1-877-366-16071-877-669-6877
Available in how many states?All States48 (N/A in California and Michigan)
Direct Premiums$291.5 Million$859 Million
Market Share9%3%
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Now we will jump right into which company is cheaper.

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If you’ve seen our Allstate car insurance review and Nationwide car insurance review, you’ve noticed how expensive car insurance can be per year.

Allstate and Nationwide car insurance quotes will vary based on these factors:

  • Driving Record
  • Credit Score
  • Age
  • Gender
  • Marital Status
  • Coverage Level
  • Commute Mileage

Read on to see how these factors affect your monthly Allstate vs. Nationwide car insurance rates.

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Which is cheapest by driving record?

Driving records is the most significant factor in determining your auto insurance rates. You can save up to 27 percent on car insurance rates per year if you have a clean driving record.

Speeding tickets, accidents, DUIs, and other traffic violations will increase your Allstate and Nationwide auto insurance rates.

Let’s compare Allstate and Nationwide car insurance rates based on driving records with violations, accidents, and DUIs.

Average Monthly Allstate vs. Nationwide Car Insurance Rates Based on Driving Record

Driving Record SummaryAllstate Average Monthly Car Insurance RatesNationwide Average Monthly Car Insurance Rates
Clean Driving Record$318$229
With 1 Speeding Violation$374$259
With 1 Accident$416$283
With 1 DUI$522$379
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Nationwide car insurance cost is much cheaper than Allstate. Allstate auto insurance company will increase your rates by $100 or more if you have a traffic violation or accident on your driving record.

In general, your auto insurance rates increase the most when you have accidents and DUIs. Also, these violations can be on your driving record for three to 10 years.

Which is cheapest by credit score?

According to Experian, car insurance companies issue cheaper rates to individuals with good credit because they have a lower chance of filing a claim, while individuals with fair and poor credit have a higher chance of filing a claim.

So how does that impact Allstate and Nationwide car insurance rates per month? Let’s examine Allstate and Nationwide’s auto insurance cost per month based on credit scores.

Average Monthly Allstate vs. Nationwide Car Insurance Rates Based on Credit Score
Credit History SummaryAllstate Average Monthly Car Insurance RatesNationwide Average Monthly Car Insurance Rates
Good Credit (670-739)$322$244
Fair Credit Score (580-669)$382$271
Poor Credit Score (300-579)$541$340
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Nationwide is a cheaper company. Allstate customers are likely to pay more regardless of credit score.

However, a higher credit score could mean significant savings for either company. Although your savings are about 5.4 percent on average, any discount is worth it.

Which is cheapest by age and gender?

Some states base your auto insurance rates on gender. However, seven states in the United States have outlawed companies from using gender-based car insurance rates.

Here’s a list of states that gender-based auto insurance:

  • California
  • Hawaii
  • Massachusetts
  • Michigan
  • Montana
  • North Carolina
  • Pennsylvania

New adult drivers and teen drivers will likely have a higher car insurance rate because they’re less experienced behind the wheel and take more risks.

Even married drivers get cheaper rates. Statistics show that married drivers take less risk than single drivers.

As drivers get older, auto insurance rates go down. Let’s examine how age, gender, and marital status impact Nationwide and Allstate auto insurance rates per month.

Average Monthly Allstate vs. Nationwide Car Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAllstate Average Monthly Car Insurance RatesNationwide Average Monthly Car Insurance Rates
Married 60-year-old female$243$178
Married 60-year-old male$249$185
Married 35-year-old male$260$199
Married 35-year-old female$263$197
Single 25-year-old female$285$224
Single 25-year-old male$298$241
Single 17-year-old female$774$480
Single 17-year-old male$887$598
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Single, 17-year-old drivers have the most expensive auto insurance rates per month, but senior drivers 60 and older have the cheapest rates among Allstate and Nationwide.

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Which is cheapest by coverage level?

When you get your auto insurance quote, you’ll see a selection called coverage level. That selection is an option to raise your minimum requirements to higher coverage limits.

Coverage limits are the maximum amount of dollars your car insurance company will pay out if you get into an accident where you’re at fault.

If you think you’ll need more on your coverage limits, you should pick a higher coverage level.

An example of high coverage levels is $100,000 for bodily injury of one person per accident, $300,000 for bodily injury of multiple people per accident, and $100,000 for property damage per accident (abbreviated to 100/300/100).

The medium coverage level is usually 50/100/50, and the minimum (low) coverage level is usually 25/50/25. The higher the coverage level, the more you’ll pay for car insurance.

Let’s compare the coverage level rates from Allstate and Nationwide car insurance.

Average Monthly Allstate vs. Nationwide Car Insurance Rates by Coverage Level
Coverage Level SummaryAllstate Average Monthly Car Insurance RatesNationwide Average Monthly Car Insurance Rates
Low Coverage Level (Depends on State)$386$283
Medium Coverage Level (50/100/50)$408$287
High Coverage Level (100/300/100)$428$292
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As expected, Allstate and Nationwide auto insurance costs increase as the coverage limits increase. To determine which is better for you, think about your vehicle’s value and try to center your coverage limit needs around that.

Which is cheapest by annual mileage?

When you get an insurance quote, you may see something that mentions “work commutes” and “pleasure commutes.”

Work commute is general driving, such as driving to work, school, etc. Pleasure commutes are the miles you travel on the weekend or special occasions.

You’re likely to do most commutes during the week. Your car insurance company will estimate the number of miles you drive based on the miles you travel to work.

The average commute mileage reported to the best auto insurance companies is 6,000 annual commute mileage and 12,000 annual commute mileage.

Let’s look at how much Allstate and Nationwide charge based on commute mileage.

Average Monthly Allstate vs. Nationwide Car Insurance Rates by Commute Mileage
Estimated Commute MileageAllstate Average Monthly Car Insurance RatesNationwide Average Monthly Car Insurance Rates
10 Miles Commute (6,000 miles/yr)$403$286
25 Miles Commute (12,000 miles/yr)$411$289
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Nationwide’s commute mileage rates are about $100 cheaper than Allstate auto insurance rates based on commute mileage. If you drive less, you may cut some of Allstate’s expensive rates.

Commute mileage is calculated differently at each auto insurance company. Sift through the commute mileage results so that you won’t get overcharged.

Allstate vs. Nationwide car insurance coverages: What’s the difference?

Allstate is the more expensive company, but how well does it fare against Nationwide’s auto insurance coverage? We collected some car insurance coverage information and compiled it below.

Here’s a comparison of Allstate and Nationwide car insurance coverage options.

Comparing Allstate vs. Nationwide Car Insurance Coverages
Allstate Car Insurance CoveragesNationwide Car Insurance Coverages
Collision coverageBodily Injury Liability
Comprehensive coverageProperty Damage Liability
Bodily Injury LiabilityMedical Payments coverage
Property Damage LiabilityCollision coverage
Uninsured & Underinsured Motorist CoverageComprehensive coverage
Rental Reimbursement CoverageUninsured & Underinsured Motorist Coverage
Personal Umbrella PolicyPersonal Injury Protection
Personal Injury ProtectionGAP Coverage
Sound System InsuranceRental Car Expense
Roadside AssistanceRoadside Assistance
Classic Car InsuranceAccident Forgiveness
Travel Car Insurance to MexicoVanishing Deductible
-Total Loss Deductible Waiver
-Towing and Labor Coverage
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Once again, Nationwide has overtaken Allstate auto insurance by providing more coverage options. Nationwide doesn’t have Mexico Travel car insurance like Allstate, but they have several other exclusive services specific to roadside assistance.

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Allstate vs. Nationwide car insurance: Who has more insurance discounts?

How about auto insurance discounts? Allstate auto insurance is known for its bargains. Can Nationwide auto insurance match Allstate’s deals?

Allstate vs. Nationwide Car Insurance Discounts
Car Insurance DiscountsAllstate Car Insurance SavingsNationwide Car Insurance Savings
Accident Forgiveness30%Depends on Your State
Accident Free DiscountN/ADepends on Your State
Affinity group discountN/ADepends on Your State
Anti-lock Brake Discount10%N/A
Anti-Theft Device Discount10%5%
Deductible discountDepends on Your StateN/A
Defensive Driver Discount20%10%
Driving Habits DiscountN/ADepends on Your State
Driving training discountDepends on Your StateN/A
E-billing Discount10%N/A
Early Quote Discount10%N/A
EV/Hybrid Discount10%N/A
Family DiscountDepends on Your State25%
Farm Bureau DiscountN/A10%
Farm Vehicle Discount10%N/A
Good Driver Discount10%10%
Good Payer Discount5%N/A
Good Student Discount10%15%
Low Mileage Discount10%N/A
Multiple Policy Discount10%25%
Multiple Vehicle Discount10%20%
New Car Discount15%N/A
Organization DiscountN/A10%
Paid in full discount10%N/A
Paperless documents discountDepends on Your StateDepends on Your State
Passive Restraint Discount10%N/A
Preferred payment discount5%Depends on Your State
Prepay Discount10%N/A
Senior Adult Discount5%N/A
SmartRide discountN/A10%
Student Away at School Discount5%N/A
teenSMART Discount35%N/A
Utility Vehicle DiscountDepends on Your StateN/A
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Although Nationwide has cost-efficient car insurance rates, it has fewer discounts than Allstate.

You can find more savings on Allstate auto insurance quotes since Nationwide has fewer discounts. Nationwide has 16 available discounts, and Allstate has 27 discounts.

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Allstate vs. Nationwide car insurance: What’s the financial strength and credit ratings?

Financial strength ratings can tell you how well a car insurance company manages money, and credit ratings can reveal how car insurance companies perform for customers.

Let’s look at Allstate’s and Nationwide’s overall ratings from the world’s top rating agencies.

Allstate vs. Nationwide Financial Strength and Credit Ratings
AgenciesAllstate RatingsNationwide Ratings
AM BestA+ (Excellent)A+ (Excellent)
Better Business Bureau (Chicago, IL)A+A
Moody'sA3 (Good)A1 (Good)
S&PAA- (Very Good)A+ (Good)
NAIC Complaint Index0.411.45
J.D. Power - Power Circle RatingsAbout AverageAbout Average
Consumer Reports8888
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Allstate and Nationwide have excellent ratings across the board, but Allstate has better customer ratings — which is seen through the NAIC Complaint Index and Better Business Bureau. Both ratings reflect fewer complaints and better customer feedback.

Allstate vs. Nationwide car insurance: What are the mobile app ratings?

Another way you can determine Allstate’s and Nationwide’s performance is through customer reviews through smartphone stores. Allstate and Nationwide have mobile apps that connect to their customers.

The mobile apps’ reliability is judged through customer reviews on iOS and Android. Here are the mobile app ratings for Allstate and GEICO.

Comparing Allstate vs. Nationwide Mobile App Ratings
Smart Device Stores/SystemsAllstate Mobile App Star RatingsNationwide Mobile App Star Ratings
Apple App Store (iOS)5 stars2 stars
Google Play Store (Android)4 stars3 stars
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Allstate mobile app reviews tower of Nationwide’s reviews. Based on the review, Allstate customers have a better experience on their smartphones than Nationwide customers.

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Allstate vs. Nationwide car insurance: What are the pros and cons?

To increase the Allstate vs. Nationwide auto insurance review’s reliability, we’ve included Allstate and Nationwide’s pros and cons.

Examine the advantages and disadvantages of enrolling in Allstate or Nationwide.

Comparing Pros and Cons of Allstate vs. Nationwide
Allstate ProsAllstate ConsNationwide ProsNationwide Cons
Lots of discounts that are easy to qualify forAbove average pricing in most statesChoice of an agent or buying coverage directly.Customer satisfaction ratings are average to below average
Cutting edge programs like pay-per-mile and rideshare coverageNot all programs are offered in all statesOne-stop shopping with lots of bundling optionsNo rideshare insurance available
Local agent service plus easy web and mobile accessOnline quoting will lead to agent solicitation by phoneRates are below average in most statesFewer add-on options than many other companies
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Your experience will be much different. Customers often encounter different situations because the conditions of getting car insurance depend on factors unique to you. Always ask questions before you make your final decision.

Allstate vs. Nationwide car insurance: What’s the bottom line?

Allstate may produce cheaper car insurance quotes than Nationwide if you consider the 27 discounts you could qualify for. However, Nationwide appears to advertise more affordable rates and more practical coverage options.

When you’re unsure which company to choose, you can always use our FREE comparison tool to compare Allstate vs. Nationwide car insurance to other companies in your area.