Allstate vs Nationwide: Pros & Cons (2021)

If you’re comparing Allstate vs. Nationwide auto insurance you’re looking at two of the biggest companies in the country. Generally speaking, Nationwide offers better rates, especially for teenage drivers. Allstate does offer coverage in more areas, and may be worth checking out for members of the military. Compare quotes today to learn which company has a better deal for you.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 18, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

What You Should Know

  • Nationwide has more competitive pricing than Allstate.
  • Allstate is available in all 50 states.
  • Nationwide is available in every state except for Alaska, Louisiana, and Massachusetts.

When it comes to auto insurance, there are many popular choices, and two of the big names are Allstate and Nationwide. There is a lot to consider when it comes to understanding auto insurance, so we will compare two of the nation’s biggest companies side by side.

Allstate vs. Nationwide: which company is a better fit for you? Let’s find out. Type your ZIP code into our free and helpful tool above to find reasonable auto insurance quotes near you.

Where are Allstate and Nationwide available?

Allstate insurance is available in all 50 states. Nationwide insurance is available in most states, except Alaska, Louisiana, and Massachusetts.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

How do Allstate and Nationwide auto insurance rates compare?

Auto insurance can be a complicated thing, especially for first-time buyers. The best way to find what fits best is to compare rates. The following table compares the rates of many of the largest auto insurance companies, including Allstate and Nationwide.

Average Annual Auto Insurance Rates by Company

Top Auto Insurance CompaniesAverage Annual Auto Insurance RatesAverage Six-Month Auto Insurance RatesAverage Monthly Auto Insurance Rates
USAA$2,489$1,245$207
State Farm$2,731$1,366$228
GEICO$3,074$1,537$256
Nationwide$3,187$1,594$266
American Family$3,699$1,850$308
Travelers$3,729$1,865$311
Farmers$3,908$1,954$326
Progressive$3,935$1,968$328
Allstate$4,533$2,267$378
Liberty Mutual$5,296$2,648$441
Get Your Rates Quote Now
Compare RatesStart Now →

While Nationwide does not offer the best average rates, it is lower than Allstate. Still, this table shows only the average rates. Rates will vary based on several factors including age, driving record, and where you live. Even moving to the next town over could affect your insurance rates.

What discounts are available with Allstate vs. Nationwide?

When searching for new insurance, it is important to ask about discounts. This table shows several top insurers and the discounts they offer in specific areas.

Discounts Provided by Major Auto Insurance Companies
CompaniesEmergency DeploymentFederal EmployeeForward Collision WarningMembership/GroupMilitaryMilitary GaragingOccupationRecent Retirees
21st Century
AAAx
Allstatexx
American Family
Ameriprisex
Amicax
Country Financialxx
Esurancexxx
Farmersxxx
GEICOxxxxx
Liberty Mutualxxxxxx
MetLifexxxxx
Nationwidexxx
Progressivex
Safe Autox
Safecoxxx
State Farmx
The Generalx
The Hanoverxx
The Hartfordxxxx
Travelersxx
USAAxx
Get Your Rates Quote Now
Compare RatesStart Now →

Nationwide insurance offers membership/group, occupation discounts, and discounts in collision coverage for cars with Forward Collision Warning systems.

Allstate insurance only offers military and occupation discounts. If you are a member of the military, Allstate may be worth checking out, otherwise Nationwide may offer better rates.

It’s also important to take age into account. Auto insurance rates go down after age 25, and once again Nationwide comes out on top. This is especially noticeable if a driver is a teenager – they can save a lot of money with Nationwide.

Does Allstate or Nationwide have better ratings?

Another thing worth paying attention to when comparing insurers is to look at their ratings from companies like A.M. Best and the Better Business Bureau.

Both Allstate and Nationwide got an A+ rating on both the BBB and A.M. Best. As this does not tell us much, it’s worth looking at customer reviews as well.

Customers seem to give Allstate better reviews overall. Many customers are pleased with Allstate’s customer service and feel that it is good value. Nationwide’s customer service does not seem to be as good, and Nationwide gets low scores for ease of filing a claim.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

What are the rates by credit level for Allstate and Nationwide

For those with poor credit, Nationwide may be the best option once again. Those with very poor credit scores (under 580) will find Nationwide’s average annual premium to be significantly lower than Allstate’s.

The gap does narrow for drivers with higher credit scores, so for those with high scores, it may merit a closer look between the two companies.

When searching for insurance, it’s important to check what works best for you. Type your ZIP code into our free and helpful tool below to find affordable auto insurance quotes in your area.

Leave a Reply

Your email address will not be published. Required fields are marked *

Free Auto Insurance Comparison

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption