D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: May 24, 2021

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Just the Basics

  • 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.

Allstate vs. Nationwide Average Monthly Auto 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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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 cheapest by 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.

Allstate vs. Nationwide Average Monthly 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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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 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, 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.

Allstate vs. Nationwide Average Monthly Car Insurance Rates by Credit Scores
Credit History SummaryAllstate Monthly Car Insurance RatesNationwide 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
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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 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.

Allstate vs. Nationwide Average Monthly Car Insurance Rates by Driving Records
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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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.

Comparing Allstate vs. Nationwide Car Insurance Coverage Options
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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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.

Allstate vs. Nationwide Car Insurance Discounts
Auto Insurance DiscountsAllstate AvailabilityNationwide Availability
Adaptive Cruise Control
Adaptive Headlights
Anti-lock Brakes
Anti-Theft
Daytime Running Lights
Electronic Stability Control
Utility Vehicle
Vehicle Recovery
VIN Etching
Lane Departure Warning
Newer Vehicle
Green Vehicle
Forward Collision Warning
Claim Free
Continuous Coverage
Defensive Driver
Distant Student
Driver's Ed
Driving Device/App
Early Signing
Emergency Deployment
Engaged Couple
Family Legacy
Family Plan
Farm Vehicle
Fast 5
Federal Employee
Full Payment
Further Education
Garaging/Storing
Good Credit
Good Student
Homeowner
Life Insurance
Low Mileage
Loyalty
Married
Membership/Group
Military
Military Garaging
Multiple Drivers
Multiple Policies
Multiple Vehicles
New Address
New Customer/New Plan
New Graduate
Newly Licensed
Newlyweds
Non-Smoker/Non-Drinker
Occasional Operator
Occupation
On-Time Payments
Online Shopper
Paperless Documents
Paperless/Auto Billing
Passive Restraint
Recent Retirees
Renter
Roadside Assistance
Safe Driver
Seat Belt Use
Senior Driver
Stable Residence
Students & Alumni
Switching Provider
Volunteer
Young Driver
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Allstate has fewer discounts than Nationwide, but there’s no guarantee that you’ll qualify for all of 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 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.

Allstate vs. Nationwide Financial Strength and Credit Ratings
AgenciesAllstate RatingsNationwide Ratings
AM BestA+A+
Moody'sA3A1
S&PAA-A+
NAIC Complaint Index0.411.45
J.D. Power - Power Circle RatingsAbout AverageAbout Average
Consumer Reports8888
iOS App Rating5 stars2 stars
Android App Rating4 stars3 stars
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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 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?

Nationwide insurance is more affordable, but Allstate has better consumer complaint data and mobile ratings.

When discounts are factored into car insurance, you may be able to save more money with Allstate than Nationwide, but you may not qualify for all discounts.

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.