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: Aug 3, 2021

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Key Takeaways

  • Nationwide and State Farm both offer competitive rates in most states
  • Both companies offer a variety of products, like State Farm non-owner car insurance
  • Multiple factors determine how much your base car insurance rates will be
  • Discounts help keep costs down by reducing your monthly premium

If you have been with the same car insurance company for years, you may be able to save money with a new company. Looking at Nationwide vs. State farm car insurance is a great place to start.

You can gain a decent amount of information by looking into a Nationwide insurance quote or reading the State Farm car insurance review. However, looking at the company’s rates side by side is the best way to find the cheapest rates.

Keep reading to see whether Nationwide or State Farm car insurance is for you. To compare quotes from top-rated car insurance companies near you, enter your ZIP code here.

Does the Nationwide or State Farm car insurance company offer better rates?

While both of these companies have great policies to offer, one will be able to give you more bang for your buck. The best way to figure it out is to understand what will affect your base rates.

Car insurance companies look at your location, annual mileage, credit score, driving record, age, and several other factors to determine how risky it is to insure you. From there, they figure out your base rates before discounts.

In this section, we will go over a variety of situations and the average cost for each. We will focus on average rates based on your credit score and location.

Nationwide vs. State Farm: Rates Based on Credit Score

While many people realize their age and number of accidents will affect their Nationwide or State Farm car insurance rates, not as many realize that credit history also plays a role. The better your credit score, the more affordable your rates.

So, with that in mind, we have looked into which company offers the best rates for credit scores, both good and bad. Here is what we found out.

Nationwide vs. State Farm Average Monthly Rates Based on Credit Score
Credit Score RangeAverage Nationwide Monthly RatesAverage State Farm Monthly Rates
300-579 (Very Poor)$132.75$293.50
580-669 (Fair)$105.17$166.92
670-739 (Good)$103.17$134.42
740-799 (Very Good)$92.42$120.92
800-850 (Exceptional)$86.42$105.00
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While Nationwide offers better rates regardless of your credit score, State Farm does have decent rates for most. Additionally, discounts will help reduce those rates and may make State Farm more affordable.

Figuring out why car insurance companies check credit reports can help this make better sense.

Nationwide vs. State Farm: Rates Based on Location

Where you live will help determine what your car insurance will cost. The variance in car insurance costs between states is because each state has different rules surrounding the topic.

Nationwide auto insurance is available in more places than State Farm car insurance. We have included every state that both companies are available in.

Nationwide vs. State Farm Average Monthly Rates Based on Location
StateNationwide Average Monthly PremiumState Farm Average Monthly Premium
Alabama$145.82$140.13
Arizona$182.96$145.83
Arkansas$132.92$109.32
Colorado$180.58$143.60
California$265.08$208.84
Connecticut$184.96$141.80
District of Columbia$238.27$164.73
Delaware$181.89$140.28
Georgia$183.53$149.84
Illinois$147.03$111.75
Idaho$117.98$76.16
Indiana$140.84$90.35
Iowa$113.36$88.04
Kentucky$246.59$107.15
Kansas$145.32$118.07
Maryland$209.46$203.94
Minnesota$194.75$116.11
Michigan$344.62$345.47
Missouri$136.38$120.22
Mississippi$145.20$117.64
Nebraska$126.05$108.64
New Hampshire$130.51$93.10
Nevada$304.37$169.15
New Jersey$289.18$198.05
New York$364.06$279.56
North Carolina$100.05$97.75
Ohio$122.47$87.33
Oregon$131.32$110.73
Pennsylvania$128.82$124.91
Rhode Island$229.17$107.88
South Carolina$141.90$109.75
Texas$236.42$118.02
Tennessee$153.15$101.39
Utah$132.58$155.07
Virginia$143.80$95.20
Vermont$103.92$109.54
West Virginia$174.92$92.35
Washington$140.12$105.88
Wisconsin$134.97$87.61
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So far, Nationwide has been more affordable in most categories. However, when it comes to base rates for different locations, State Farm tends to be cheaper. Whether looking for Alabama car insurance or insurance from any other state, it may be wise to start with a State Farm quote.

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Which company offers better discounts, Nationwide or State Farm?

One of the main things people look at when it comes to car insurance is the discounts they qualify for. All of the top-rated car insurance companies will offer discounts. While discounts may be similar between companies, the amount can vary.

Additionally, you will find unique discounts with every car insurance company you look into. Comparing two company’s discounts can give you a good idea of where you will find the most affordable car insurance company for you.

We have put together a quick chart to show you what discounts are available from both Nationwide and State Farm.

Nationwide vs. State Farm Discounts Available
DiscountNationwideState Farm
Accident-freeYesNo
AffinityYesNo
Anti-theft deviceYesYes
Automatic PaymentYesYes
Defensive DriverYesYes
Good StudentYesYes
HomeownerNoNo
Low-mileageYesNo
Multi-carNoYes
Multi-PolicyYesYes
Paid in FullNoNo
PaperlessYesYes
Safe DriverYesYes
Student Away at SchoolNoYes
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Nationwide and State Farm car insurance companies are both great when you are looking for discounts. They offer very similar deals that will help you save money every month.

To be fully informed before making a decision, check out out Nationwide car insurance review.

Hopefully this has wrapped up everything you need to know about Nationwide vs. State Farm. To check out rates from various car insurance companies near you, enter your ZIP code now.