Allstate vs. Nationwide Car Insurance for 2022
A comparison of Allstate vs. Nationwide car insurance rates shows that Nationwide is the more affordable option. Allstate car insurance has a larger market share and fewer consumer complaints, but Nationwide car insurance rates are $120 less expensive per month. Allstate vs. Nationwide car insurance quotes will vary based on factors specific to you.
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UPDATED: Jun 30, 2022
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- Allstate insurance has a larger market share, but Nationwide insurance is more affordable.
- You can save money when bundling home insurance with a car insurance policy.
- Nationwide’s overall ratings aren’t as strong as Allstate’s.
You’ve narrowed your car insurance shopping down to Allstate and Nationwide, and now you’re ready to compare affordable Allstate vs. Nationwide car insurance rates.
Read through our Allstate vs. Nationwide car insurance guide and learn about the car insurance rates, coverage options, discounts, and third-party ratings at two of the top companies in the United States.
As you explore details about Allstate vs. Nationwide car insurance quotes, you’ll gain insight on how to get cheap auto insurance. Enter your ZIP code in the free comparison tool above to compare the best companies near you.
Allstate vs. Nationwide Car Insurance: Which company is the cheapest?
Nationwide auto insurance is $287 per month on average, but Allstate auto insurance is $407 per month. That’s a $120 difference.
Allstate has a nine percent market share, while Nationwide has a three percent market share.
However, your monthly premium will vary based on the personal factors that determine car insurance rates. These factors include age, gender, marital status, commute mileage, credit score, and driving record.
Continue reading this guide to learn more about factors that affect the price of car insurance.
Allstate vs. Nationwide Car Insurance: Which company is cheapest by age, gender, and marital status?
Age is a significant factor in determining auto insurance rates. Car insurance companies correlate your age to your overall driving experience.
Gender and marital status are also considered in your risk profile. Statistically, women and married people appear to be safer drivers.
How do Allstate vs. Nationwide car insurance companies weigh these different factors? Let’s break down the Allstate and Nationwide auto insurance rates to find out.
|Age, Gender, and Marital Status||Allstate Average Monthly Car Insurance Rates||Nationwide 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|
Nationwide car insurance is cheaper than Allstate, and teen and young adult drivers pay the most for auto insurance. Take advantage of discounts for student drivers to cut down on costs.
Married drivers are more likely to secure affordable car insurance rates, while single drivers pay more.
Allstate vs. Nationwide Car Insurance: Which company is the cheapest for commute mileage?
Driving less lowers your chance of getting into an accident and filing a claim. Therefore, you’re likely to reduce car insurance costs in the process.
But how much will you pay? Let’s examine Allstate and Nationwide’s rates based on commute mileage.
|Estimated Commute Mileage||Allstate Average Monthly Car Insurance Rates||Nationwide Average Monthly Car Insurance Rates|
|10 Miles Commute (6,000 miles/yr)||$403||$286|
|25 Miles Commute (12,000 miles/yr)||$411||$289|
Allstate car insurance costs more than Nationwide. However, it may be more cost-efficient to choose the highest commute mileage, especially if you’re driving your vehicle every day.
Allstate vs. Nationwide Car Insurance: Which company is the cheapest by credit score?
If you have good or exceptional credit, you could receive a significant discount on car insurance. Why?
According to Experian, auto insurance companies correlate your credit history to your risk of filing claims. Statistically speaking, the better your credit, is the less likely you are to file a claim.
What does this mean for customers with fair or poor credit? Let’s find out how Allstate and Nationwide calculate premiums based on credit.
|Credit History Summary||Allstate Monthly Car Insurance Rates||Nationwide Monthly Car Insurance Rates|
|Good Credit Score (670-739)||$322||$244|
|Fair Credit Score (580-669)||$382||$271|
|Poor Credit Score (300-579)||$541||$340|
Policyholders with good credit scores pay the least for car insurance, while customers with fair and poor credit scores pay at least $30 more.
Nationwide is the best option between the two companies if you have fair or poor credit.
Allstate vs. Nationwide Car Insurance: Which company is the cheapest by driving record?
The most crucial factor that determines your car insurance rates is your driving record. Infractions on your driving history can raise your auto insurance rates significantly.
What do car insurance rates look like at Allstate and Nationwide when either company reviews your driving record? Let’s compare and see which company is the cheapest.
|Driving Record Summary||Allstate Average Monthly Car Insurance Rates||Nationwide 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|
Allstate has more expensive rates, and will also penalize you more for an infraction. With both Allstate and Nationwide, a DUI will cost you the most.
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Allstate vs. Nationwide Car Insurance: Which company has more coverage options?
Sometimes you’ll need more than the minimum car insurance requirements. Low auto insurance rates save you money, but will you have enough coverage?
Let’s see which company has more coverage.
|Allstate Car Insurance Coverages||Nationwide Car Insurance Coverages|
|Collision coverage||Bodily Injury Liability|
|Comprehensive coverage||Property Damage Liability|
|Bodily Injury Liability||Medical Payments coverage|
|Property Damage Liability||Collision coverage|
|Uninsured & Underinsured Motorist Coverage||Comprehensive coverage|
|Rental Reimbursement Coverage||Uninsured & Underinsured Motorist Coverage|
|Personal Umbrella Policy||Personal Injury Protection|
|Personal Injury Protection||GAP Coverage|
|Sound System Insurance||Rental Car Expense|
|Roadside Assistance||Roadside Assistance|
|Classic Car Insurance||Accident Forgiveness|
|Travel Car Insurance to Mexico||Vanishing Deductible|
|Total Loss Deductible Waiver|
|Towing and Labor Coverage|
Nationwide has more options, but Allstate has specialty auto insurance coverage products, such as classic car insurance, sound system insurance, and travel car insurance to Mexico.
Allstate vs. Nationwide Car Insurance: Who has more discounts?
If the factors above give you higher than average car insurance quotes, start searching for discounts to lower your policy costs. The more deals you’re eligible for, the more you’ll save per month.
Let’s compare Allstate vs. Nationwide car insurance discounts to see which company has more deals.
|Auto Insurance Discounts||Allstate Availability||Nationwide Availability|
|Adaptive Cruise Control||✘||✔|
|Daytime Running Lights||✔||✔|
|Electronic Stability Control||✔||✔|
|Lane Departure Warning||✘||✔|
|Forward Collision Warning||✘||✔|
|New Customer/New Plan||✘||✘|
|Seat Belt Use||✘||✘|
|Students & Alumni||✘||✔|
Allstate has fewer discounts than Nationwide, but there’s no guarantee that you’ll qualify for all the discounts on either company’s list.
One way you can secure a discount is through bundling. If you’re thinking about comparing Allstate vs. Nationwide home insurance, you have a chance to bundle that policy with your car insurance to save on both types of coverage.
Allstate vs. Nationwide: Who has the better financial strength and customer satisfaction ratings?
Price is important, but you also want to know if you can trust your car insurance company to pay a claim and deliver good service in the process. This is why you should always check a company’s financial strength and customer satisfaction ratings.
Before you commit to a car insurance quote, take a moment to look at the Allstate and Nationwide ratings.
|Agencies||Allstate Ratings||Nationwide Ratings|
|NAIC Complaint Index||0.41||1.45|
|J.D. Power - Power Circle Ratings||About Average||About Average|
|iOS App Rating||5 stars||2 stars|
|Android App Rating||4 stars||3 stars|
Allstate and Nationwide have identical A.M. Best and J.D. Power scores. Nationwide has a better Moody’s credit score, but Allstate’s S&P credit score is better than Nationwide’s. Allstate’s mobile app reviews are much stronger than Nationwide’s.
To access the insurance apps for either company, you’ll need to create a Nationwide or Allstate insurance account.
You can create a Nationwide or Allstate login online or through a smart device like an iPad or smartphone.
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Allstate vs. Nationwide: Usage Based Insurance
Allstate has initiated innovative programming such as its Drivewise telematics program, which saves money on premiums for safe and careful drivers.
Allstate vs. Nationwide Car Insurance: Pros & Cons
Let’s recap our Allstate vs. Nationwide guide by looking at a few pros and cons of each company.
- Allstate Pros
- Strong customer reviews
- Provides rideshare insurance
- Allstate Cons
- Higher premiums
- Fewer discount opportunities
- Nationwide Pros
- Provides cheaper rates
- More coverage options
- Nationwide Cons
- Weak customer reviews
- Lower market share and earning potential
Did you see any advantages and disadvantages based on your personal circumstances as you were reading the guide? Double-check the article to make sure before you decide on a quote.
Allstate vs. Nationwide Car Insurance: What’s the bottom line?
Allstate and Nationwide both offer high-quality car insurance coverage and boast strong customer satisfaction ratings. While Allstate has slightly higher customer ratings, Nationwide wins out when it comes to coverage, claims process and customer reviews.Overall, customers equally pleased with these insurers’ claims experience.
In addition to the car insurance company you choose, factors like your age, credit score, and discounts can affect quotes, so we recommend getting quotes from multiple companies.
Now that you know more about whether to buy Allstate vs. Nationwide car insurance, you’re ready to compare rates. Use our free online quote tool below to compare multiple companies in your area and secure cheap car insurance.