Allstate vs. Nationwide Car Insurance for 2024

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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Rachel Bodine

Insurance Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Insurance Feature Writer

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

UPDATED: Jul 10, 2024

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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.

Table of Contents

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 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.

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 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.

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 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.

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.

Read more:

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 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.

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: 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.

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How to Maximize Savings with Allstate Car Insurance: Tips and Strategies

When searching for the best car insurance deal, understanding how to leverage various discounts and features can help you save significantly. Here’s a comprehensive guide on maximizing savings with Allstate car insurance.

Collector Car Insurance from Allstate

If you own a classic or antique vehicle, consider opting for Collector Car Insurance from Allstate. This specialized insurance provides tailored coverage to protect your prized possession. You can easily obtain an online insurance quote from Allstate to compare rates and coverage options, ensuring your collector car receives the best protection at a competitive price.

Understanding Allstate Car Insurance Quotes

When evaluating Allstate car insurance quotes, it’s important to consider various aspects to ensure you’re getting the best deal. For instance, Allstate provides an Allstate insurance rental car discount which can help reduce costs if you need a rental while your vehicle is being repaired.

Additionally, comparing Allstate’s quotes with options like Nationwide’s Gap insurance can help you understand how each provider’s coverage and discounts stack up. This approach will give you a clearer picture of your potential expenses and available savings.

  • Allstate Auto Insurance Quote: Start by obtaining an Allstate auto insurance quote. This will provide you with a baseline estimate for your coverage needs and help you compare with other insurers.
  • Allstate Car Insurance Estimate: Use the Allstate car insurance estimate tool to get a rough idea of your premium costs based on your personal details and coverage preferences.
  • Online Allstate Insurance Quote: For convenience, you can get an Online Allstate insurance quote. This allows you to quickly see potential costs without visiting an office.

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Discounts and Savings Opportunities

  • Allstate Bundle Discount: Save money by bundling multiple policies with Allstate, such as combining auto and home insurance.
  • Allstate Good Student Discount: For students with good grades, the Allstate insurance good student discount can be a great way to lower rates.
  • Allstate Employee Discounts: If you work for a company that partners with Allstate, you might be eligible for Allstate employee discounts.
  • Allstate Military Discount: Members of the military can take advantage of the Allstate insurance military discount for additional savings.

Coverage Options and Features

  • Allstate Rental Car Reimbursement: If your car is in the shop after a covered accident, the Allstate rental car reimbursement option can help cover rental car costs.
  • Allstate Classic Car Insurance: For owners of classic cars, Allstate offers specialized classic car insurance to protect these valuable vehicles.
  • Allstate Gap Insurance: Protect yourself from financial loss if your car is totaled and you owe more than its current value with Allstate gap insurance.
  • Allstate DUI Insurance Rates: If you have a DUI on your record, Allstate DUI insurance rates may be higher. It’s important to compare these rates to find the best deal.

Customer Feedback and Ratings

  • Allstate Car Insurance Ratings: Research Allstate car insurance ratings to gauge the company’s reputation and reliability.
  • Allstate Car Insurance Reviews: Read Allstate car insurance reviews from other customers to get insights into their experiences and service quality.
  • Allstate Insurance Company Ratings: Check the Allstate insurance company ratings from industry watchdogs to understand its financial strength and customer service performance.

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Getting the Best Price

  • Allstate Insurance Prices: Compare Allstate insurance prices with other providers to make sure you’re getting the best value for your money.
  • Allstate Insurance Rates: Regularly review your Allstate insurance rates and adjust coverage as needed to maintain affordability.
  • Allstate Insurance Estimate: Revisit your Allstate insurance estimate periodically to see if you qualify for additional discounts or if your circumstances have changed.

By utilizing these strategies and discounts, you can maximize your savings and get the most out of your Allstate car insurance policy.

Allstate Car Insurance Student Discount

Allstate offers a valuable car insurance student discount to help young drivers save on their premiums. This discount is designed to reward students who maintain good grades, encouraging responsible behavior both on and off the road. By taking advantage of the Allstate car insurance student discount, students can enjoy more affordable coverage while focusing on their education.

Allstate Car Insurance Price

The price of Allstate car insurance can vary based on several factors, including your location, driving history, and the type of coverage you choose. Known for its comprehensive coverage options and reliable customer service, Allstate offers competitive rates that cater to a wide range of drivers. To find the best Allstate car insurance price for your needs, it’s recommended to compare quotes and explore available discounts.

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Comparing Allstate to Other Major Insurance Providers: What You Need to Know

When choosing the right car insurance provider, it’s essential to compare different companies to find the best coverage and rates for your needs. Here’s a detailed comparison of Allstate with other major insurance providers, including insights into specific policies and ratings.

Allstate vs. Other Insurance Providers

When comparing Allstate with Liberty Mutual, Nationwide, and Progressive, focus on coverage options, discounts, and rates. Allstate offers unique benefits like classic car insurance and rental car discounts, while other providers may offer competitive rates and additional savings. Check customer ratings and policy details to choose the best option for your needs.

Allstate vs. American Family

  • Coverage Options: Compare Allstate’s diverse range of coverage options with those offered by American Family. Consider features such as classic car insurance and umbrella policies.
  • Rates: Evaluate how Allstate insurance rates stack up against American Family’s rates for similar coverage levels.
  • Customer Reviews: Look into Allstate vs. American Family customer reviews to gauge service quality and customer satisfaction.

Allstate vs. Liberty Mutual

  • Liberty Mutual vs. Allstate:
    • Coverage: Review the specific coverage options and features provided by both companies.
    • Discounts: Compare available discounts, including Liberty Mutual vs. Allstate bundle discounts and rental car discounts.
    • Rates and Reviews: Check Liberty Mutual insurance rates and Allstate insurance ratings by J.D. Power to see which provider offers better value and service.
  • Liberty Mutual vs. Nationwide:
    • Comparison: Examine Liberty Mutual vs. Nationwide in terms of coverage options, customer service, and pricing.
    • Nationwide Good Student Discount: Evaluate the Nationwide good student discount compared to similar discounts offered by Liberty Mutual.

Allstate vs. Progressive Car Insurance

  • Coverage and Benefits: Compare the range of coverage options provided by Allstate vs. Progressive car insurance, including any specialty coverage like rental car reimbursement.
  • Rates and Discounts: Assess the pricing differences between Allstate and Progressive, including any potential discounts offered.
  • Customer Feedback: Look into Allstate insurance reviews and Progressive insurance reviews to understand customer experiences with each provider.

Nationwide Insurance Insights

Nationwide offers competitive auto insurance with benefits like a good student discount and comprehensive gap insurance. Comparing Nationwide insurance rates and reviews, including those from Consumer Reports, can help you assess its value relative to other providers like Allstate. For a thorough evaluation, consider how Nationwide’s coverage options and customer feedback stack up against competitors.

Nationwide vs. Allstate

  • Coverage Options: Compare the types of coverage offered by Nationwide vs. Allstate, including standard and additional options like gap insurance and umbrella policies.
  • Insurance Rates: Evaluate Nationwide insurance rates against Allstate insurance rates to determine which provider offers the best value for your coverage needs.
  • Customer Satisfaction: Review Nationwide car insurance rating and Nationwide insurance reviews on Consumer Reports to assess customer satisfaction compared to Allstate’s ratings.

Nationwide Auto Insurance Quotes

  • Getting Quotes: Use Nationwide auto insurance quotes to get an estimate of your potential premiums. Compare these quotes with those from Allstate and other providers.
  • Discounts: Investigate discounts offered by Nationwide, including the Nationwide good student discount and other savings opportunities.
  • Coverage Details: Ensure you understand the coverage details included in Nationwide quotes, such as gap insurance and rental car discounts.

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Allstate Umbrella Policy Reviews

When evaluating Allstate’s umbrella policy, it’s important to consider how it complements other coverage options. For instance, if you’re looking into Allstate insurance rental car discount, this can provide additional savings on rental coverage while your vehicle is being repaired. Additionally, comparing this with Nationwide’s Gap insurance can help you understand how each policy addresses potential coverage gaps and provides comprehensive protection.

  • Policy Coverage: Review the benefits and coverage provided by Allstate’s umbrella policy, which offers additional liability protection beyond standard auto insurance.
  • Customer Feedback: Look into Allstate umbrella policy reviews to gauge customer satisfaction and effectiveness of the coverage.
  • Comparisons: Compare Allstate’s umbrella policy with similar offerings from other insurers to determine if it meets your needs.

By comparing Allstate with other leading insurance providers and examining specific aspects such as coverage options, rates, discounts, and customer reviews, you can make a more informed decision on the best insurance policy for your needs.

Frequently Asked Questions

Is Allstate cheap?

No, Allstate is generally not considered cheap. Compared to Nationwide, which is more affordable, Allstate’s rates are higher.

Is Allstate cheaper than Geico?

The article does not provide a direct comparison between Allstate and Geico. You may need to compare quotes from both companies to determine which is cheaper for your specific situation.

Is Allstate cheaper than Progressive?

The article does not provide a direct comparison between Allstate and Progressive. To find out which is cheaper, you should compare quotes from both insurers.

Is Allstate insurance expensive?

Yes, Allstate insurance is considered expensive compared to Nationwide. On average, Allstate car insurance costs $120 more per month than Nationwide.

How much does Allstate car insurance cost?

On average, Allstate car insurance costs $407 per month.

How much does Allstate car insurance cost per month?

Allstate car insurance costs approximately $407 per month on average.

How much does Allstate pay for bodily injury per claim?

The article does not specify the exact amount Allstate pays for bodily injury claims. For details on coverage limits, you should check Allstate’s policy documents or contact a representative.

How much is Allstate car insurance for full coverage?

The article does not provide the specific cost for full coverage with Allstate. You will need to get a quote from Allstate for accurate pricing on full coverage.

Why is Allstate so expensive?

Allstate’s higher rates compared to Nationwide can be attributed to factors such as higher premiums for various risk profiles, including age, driving record, and credit score. Additionally, Allstate may have higher operational costs and different pricing strategies.

Does Allstate car insurance cover rental cars?

Yes, Allstate offers rental car coverage as part of its insurance policies, which can help reduce costs if you need a rental while your vehicle is being repaired.

Does Allstate offer accident forgiveness?

The article does not mention accident forgiveness. You may need to contact Allstate directly or check their policy details to confirm if they offer accident forgiveness.

How much is Nationwide car insurance?

Nationwide car insurance costs an average of $287 per month.

Are Nationwide and Allstate the same company?

No, Nationwide and Allstate are not the same company. They are separate insurance providers with different coverage options, rates, and policies.

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