Allstate vs. Nationwide: Best Auto Insurance for 2026
A comparison of Allstate vs. Nationwide auto insurance rates shows that Nationwide is the cheaper option. Allstate auto insurance has a bigger market share and fewer NAIC complaints, but Nationwide auto insurance rates are $120 less expensive per month on average. Allstate vs. Nationwide auto insurance quotes will vary based on factors specific to you.
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Insurance and Finance Writer
Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...
Merriya Valleri
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...
Eric Stauffer
Updated January 2025
- Allstate Insurance has a larger market share and earns more than Nationwide Insurance
- Nationwide auto insurance rates are about $100 cheaper than Allstate auto insurance
- You can save money when bundling Nationwide Pet Insurance or Nationwide Retirement with an auto insurance policy
- Allstate’s financial strength ratings are much stronger than Nationwide’s ratings
Now that you’ve narrowed your auto insurance list to Allstate and Nationwide, you’re ready to compare Allstate vs. Nationwide auto insurance rates. However, your auto insurance is determined by several factors.
Our guide comparing Allstate and Nationwide auto insurance covers all the essential details, including monthly auto insurance rates, coverage options, discounts, and third-party ratings. It also provides insights into Allstate’s auto quotes and pet insurance, as well as Nationwide insurance rates.
Before learning all about Allstate vs. Nationwide, enter your ZIP code in the free comparison tool above to compare multiple companies in your area.
Allstate vs. Nationwide Auto Insurance: Which company is the cheapest?
On average, Nationwide auto insurance is $120 cheaper than Allstate auto insurance. Do lower prices make Nationwide the better company? Not necessarily.
Let’s examine a quick summary of both companies. This will give you an idea of where Allstate and Nationwide stand in the car insurance industry.
Allstate vs. Nationwide Summary
| Summary | Allstate Auto Insurance Stats | Nationwide Auto Insurance Stats |
|---|---|---|
| Year Founded | 1931 | 1926 |
| Headquarters | 3075 Sanders Road Northbrook, IL 60062-7127 | One West Nationwide Blvd. Columbus, OH 43215-2220 |
| Phone Number | 1-877-366-1607 | 1-877-669-6877 |
| Website | https://www.allstate.com/ | https://www.nationwide.com/ |
| Direct Premiums | $23.8 Billion | $6.6 Billion |
| Market Share | 9% | 3% |
| National Average Auto Insurance | $407/month | $287/month |
Allstate earns $17.2 billion more than Nationwide. Also, Nationwide’s market share is six percent less than Allstate’s.
As a company, Allstate demonstrates stronger financial stability compared to Nationwide. While earnings and market share alone do not fully reveal the effectiveness of claim payouts, Allstate may exhibit greater efficiency in processing claims. This efficiency could extend to specific insurance types, such as Allstate non-owner car insurance. In contrast, Nationwide’s gap insurance cost and the availability of Nationwide insurance agents nearby might also influence how well claims are managed and paid.
If you want to learn the specifics about Allstate and Nationwide, read our Allstate Review or Nationwide Auto Insurance Review for more information. To compare Allstate vs. Nationwide car insurance based on various factors, continue reading.
Readmore: Allstate Auto Insurance Review
Which is cheapest by driving record?
You can obtain a more affordable auto insurance rate by keeping a clean driving record. Insurance companies, including Allstate, often offer lower premiums to drivers with a spotless history, as they are considered less risky. For example, an Allstate auto insurance quote may reflect these savings. Additionally, Nationwide’s insurance rating from Moody’s can also indicate how insurers assess risk and set prices, including those for Allstate car insurance.
So how do Allstate and Nationwide evaluate risk based on driving records? Take a look at Allstate vs. Nationwide auto insurance quotes based on driving record.
Allstate vs. Nationwide Auto Insurance Rates by Driving Records
| Driving Record Summary | Allstate Monthly Auto Insurance Rates | Nationwide Monthly Auto Insurance Rates |
|---|---|---|
| Clean Driving Record | $318 | $229 |
| With 1 Speeding Violation | $374 | $259 |
| With 1 Accident | $416 | $283 |
| With 1 DUI | $522 | $379 |
Accidents and DUIs generate expensive car insurance rates while speeding tickets have the least impact. Overall, Nationwide auto insurance is less costly.
Which is cheapest by credit score?
Did you know car insurance companies use your credit score to determine your risk level? According to Experian, auto insurance providers correlate your credit score to the chance of filing claims.
Therefore, a good credit score means cheaper car insurance, and a poor credit score can increase your rates. Do Allstate and Nationwide follow this trend? Let’s find out.
Allstate vs. Nationwide Auto Insurance Rates by Credit Scores
| Credit History Summary | Allstate Monthly Auto Insurance Rates | Nationwide Monthly Auto Insurance Rates |
|---|---|---|
| Good Credit (670-739) | $322 | $244 |
| Fair Credit Score (580-669) | $382 | $271 |
| Poor Credit Score (300-579) | $541 | $340 |
Customers with good credit pay the least, while customers with fair and poor credit pay the most. If you have fair or poor credit, your best option would be Nationwide.
Which is cheapest by age, gender, and marital status?
One of the most significant factors to auto insurance is your age. Car insurance companies estimate rates based on age because it correlates to your driving experience.
Gender determines the risk. Statistically, male drivers take more risks than females. Marital status is about the same. How so? Married drivers are statistically less risky.
How do Allstate and Nationwide calculate auto insurance based on these factors? Let’s check out the cost of auto insurance based on age, gender, and marital status.
Allstate vs. Nationwide Auto Insurance Rates by Age, Gender, and Marital Status
| Age, Gender, and Marital Status | Allstate Monthly Auto Insurance Rates | Nationwide Monthly Auto 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 still cheaper than Allstate car insurance. Married drivers pay more affordable car insurance rates, while single drivers pay more.
Adding a teenage driver to your policy can increase your insurance rates. However, you can potentially lower these rates with discounts such as the Allstate car insurance student discount, which offers savings for students, and the Allstate low-mileage discount for drivers who use their vehicle less frequently. Nationwide insurance, which is rated highly by A.M Best, also offers multi-driver discounts that can help reduce overall costs.
Which is cheapest by commute mileage?
If you reduce the miles you drive per year you can save money on your car insurance. Some auto insurance companies provide discounts to customers who drive less.
Why? Driving less lowers your chance of getting into an accident and filing a claim. The more you drive, the more your auto insurance company will charge you. But how much more will you pay? Let’s examine Allstate and Nationwide’s response to commute mileage.
Allstate vs. Nationwide Auto Insurance Rates by Commute Mileage
| Estimated Commute Mileage | Allstate Monthly Auto Insurance Rates | Nationwide Monthly Auto Insurance Rates |
|---|---|---|
| 10 Miles Commute (6,000 miles/yr) | $403 | $286 |
| 25 Miles Commute (12,000 miles/yr) | $411 | $289 |
Allstate is more expensive than Nationwide, but other circumstances would decrease your overall auto insurance quote. The increase from 6,000 to 12,000 miles per year is more cost-efficient to get the highest commute mileage available.
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Allstate vs. Nationwide Auto Insurance: Which company has more coverage options?
Why are diverse coverage options crucial? When financing a vehicle, liability coverage alone might not suffice. Opting for additional coverage could be beneficial, especially if lower premiums make it financially feasible. For insights on coverage options, consider reviewing Allstate Insurance reviews from Consumer Reports or Nationwide Insurance reviews from Consumer Reports. If you’re interested in pet insurance, you can also check the Allstate pet insurance login for more information.
What coverage options are available at Allstate and Nationwide? Let’s compare them.
Comparing Allstate vs. Nationwide Auto Insurance Coverage Options
| Allstate Auto Insurance Coverages | Nationwide Auto 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 coverage options, but Allstate has sound system insurance, classic car insurance, and travel car insurance to Mexico. These exclusive options make each company more interesting. Weigh out your options and see which company is best for you.
Allstate vs. Nationwide Auto Insurance: Who has more discounts?
Getting a quote that was higher than expected can change if you’re eligible for discounts. Car insurance discounts lower your monthly rates to a manageable price and open your budget to more insurance opportunities if you need them.
Let’s compare Allstate and Nationwide discounts to see which company has more opportunities to save.
Allstate vs. Nationwide Auto Insurance Discounts
| Auto Insurance Discounts | Allstate Availability | Nationwide 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 | ✘ | ✘ |
Nationwide wins the discount battle by providing six more discounts than Allstate. However, it’s not likely you’ll qualify for all the bargains that a car insurance company has to offer. With enough discounts, you can lower Allstate auto insurance rates close to Nationwide’s average rate.
Bundling policies can help as well. For example, Nationwide customers can bundle Nationwide Pet Insurance with their auto insurance to save money. Although it doesn’t save you money, products like Nationwide retirement services can keep everything in one place.
Read more: Volunteer Discount: How Much Can You Save?
Which company has the better financial strength and customer satisfaction ratings?
Before you buy auto insurance, take the time to look at a company’s financial strength and customer satisfaction ratings. What are those? Financial strength and credit ratings show how well a company manages money and how it responds to customers.
Several agencies conduct studies each year and sum up the performance of insurance companies.
The most reliable agencies for financial strength and credit ratings are AM Best, Moody’s, and S&P. For customer satisfaction, J.D. Power, Consumer Reports, and the National Association of Insurance Commissioners (NAIC).
We compiled the ratings of each agency below. Let’s examine Allstate and Nationwide’s third-party ratings.
Allstate vs. Nationwide Financial Strength and Credit Ratings
| Agencies | Allstate Ratings | Nationwide Ratings |
|---|---|---|
| AM Best | A+ | A+ |
| Moody's | A3 | A1 |
| S&P | AA- | A+ |
| NAIC Complaint Index | 0.41 | 1.45 |
| J.D. Power - Power Circle Ratings | About Average | About Average |
| Consumer Reports | 88 | 88 |
| iOS App Rating | 5 stars | 2 stars |
| Android App Rating | 4 stars | 3 stars |
With A.M. Best, Allstate and Nationwide have the same score. However, Nationwide has a better Moody’s credit score. Allstate makes a comeback with an even better S&P credit score.
Allstate is the better company in terms of customer satisfaction. The NAIC Complaint Index shows a complaint ratio within a year and Allstate scores under the average.
Allstate and Nationwide have the same score under J.D. Power and Consumer Reports, but Allstate has more substantial mobile app ratings. Allstate’s app can be used to file a claim, as can Nationwide’s.
If you want to access the apps for either company, you’ll need to create a Nationwide or an Allstate insurance account. You can create a Nationwide or Allstate login online or on your smartphone.
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Allstate vs. Nationwide Auto Insurance: Pros & Cons
Let’s go over a few advantages and disadvantages of both companies.
- Nationwide Pros
- Provides cheaper rates
- More coverage options
- Nationwide Cons
- Weak customer reviews
- Lower market share and earning potential
- Allstate Pros
- Strong customer reviews
- Provides rideshare insurance
- Allstate Cons
- Higher premiums
- Fewer discount opportunities
Did we miss something? Revisit some of the sections above to double-check which company is best.
Read more: Cheap Rideshare Insurance
Allstate vs. Nationwide Auto Insurance: The Bottom Line
Ultimately, Nationwide is the cheaper company, but Allstate is much better with customers. However, when you compare auto insurance for yourself, your quotes could be different.
There’s a lot to think about when comparing Allstate vs. Nationwide. In the meantime, shop around. Enter your ZIP code to find quotes in your local area.
Frequently Asked Questions
How much is Allstate car insurance for full coverage?
The cost of full coverage car insurance with Allstate varies based on several factors, including your location, driving history, age, and the type of vehicle you drive. On average, full coverage insurance with Allstate can range from $100 to $300 per month. To get an accurate quote, it’s best to request a personalized estimate from Allstate.
How much is Allstate car insurance per month?
The monthly cost of Allstate car insurance depends on various factors such as your driving record, location, age, and the type of coverage you choose. On average, drivers might pay between $75 and $200 per month for Allstate auto insurance. For a precise quote, consider reaching out to Allstate directly or using their online quote tool.
How much is Nationwide car insurance?
Nationwide car insurance rates also depend on factors like your driving record, location, age, and the coverage options you select. On average, Nationwide car insurance can cost between $70 and $180 per month. For an accurate quote tailored to your situation, it’s advisable to contact Nationwide or use their online quote tool.
How to cancel Nationwide auto insurance?
To cancel your Nationwide auto insurance, follow these steps:
Contact Nationwide: Call their customer service at 1-877-669-6877 or log in to your online account.
Provide Information: Have your policy number and personal details ready.
Confirm Cancellation: Follow the instructions provided and request written confirmation of the cancellation.
Is Allstate cheaper than Progressive?
On average, Progressive tends to offer lower rates than Allstate for car insurance. However, the best option for you will depend on your specific circumstances and needs. It’s recommended to compare quotes from both companies to find the most cost-effective option for your situation.
Is Allstate cheaper than Geico?
Geico is generally known for offering lower car insurance rates compared to Allstate. However, individual rates can vary based on personal factors. Comparing quotes from both Geico and Allstate can help you determine which provider offers the best rate for your needs.
Is Nationwide car insurance expensive?
Nationwide car insurance can be considered moderately priced compared to other insurers. Rates vary based on individual factors such as driving history and location. To determine if Nationwide is expensive for you, it’s best to compare their rates with other insurance providers.
Is Nationwide car insurance good?
Nationwide is generally regarded as a reputable insurance provider with good coverage options and customer service. They offer a range of policies and discounts, making them a solid choice for many drivers. Checking customer reviews and ratings can provide additional insight into their service quality.
Is State Farm cheaper than Allstate?
State Farm is often more affordable than Allstate for many drivers. Rates can vary based on your personal profile, so it’s beneficial to compare quotes from both insurers to find the best rate for your specific needs.
Does Allstate offer pet insurance?
Yes, Allstate provides pet insurance through a partnership with Pets Best. This coverage assists with veterinary bills and various pet-related costs. For a review of Allstate pet insurance and details on the comprehensive coverage cost, you can visit their website or get in touch with an Allstate representative.
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