Allstate vs. Nationwide Auto Insurance (2021)

Comparing Allstate vs. Nationwide auto insurance rates show Nationwide is cheaper overall based on age, driving record, and credit score. External ratings of Allstate vs. Nationwide auto insurance companies show that both have an A+ from A.M. Best. However, Allstate has a wider variety of discounts.

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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 insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 28, 2021

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Things to Remember

  • Both Allstate and Nationwide have stable financial strength, high customer satisfaction, and low complaint ratios
  • Nationwide has lower auto insurance rates for teen drivers
  • Allstate has more auto insurance discounts, including 35% off for using teenSMART
  • Nationwide has lower auto insurance rates for those with a bad driving record
  • Allstate has higher auto insurance rates overall

You probably know the basics about auto insurance now that you’ve landed here ready to compare two great contenders, Nationwide vs. Allstate, and choose the auto insurance company that will have your back when you need it.

The first thing to note when comparing Allstate vs. Nationwide auto insurance companies is that both are on the list of the best auto insurance companies in the U.S. But how do they stack up when it comes to rates, discounts, consumer satisfaction, complaints, mobile apps, and financial strength?

Before jumping into this Allstate vs. Nationwide auto insurance review, enter your ZIP code to start comparing multiple companies in your area.

Is Allstate or Nationwide auto insurance cheaper based on age?

It’s fair for auto insurance companies to base rates on your age. After all, the more experience driving we have, the better drivers we become.

Some states will also base your auto insurance rates on gender and/or marital status, though several states have outlawed this practice.

Allstate vs. Nationwide Average Manthly Auto Insurance Rates by Age
Age, Gender, and Marital StatusAllstate Average Monthly Car Insurance RatesNationwide Average Monthly Car Insurance Rates
Single 17-year-old female$774$480
Single 17-year-old male$887$598
Single 25-year-old female$285$224
Single 25-year-old male$298$241
Married 35-year-old female$263$197
Married 35-year-old male$260$199
Married 60-year-old female$243$178
Married 60-year-old male$249$185
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For those 25 and older, Nationwide car insurance rates are an average of 23% cheaper than Allstate auto insurance rates.

Nationwide is a good choice if you have a teen driver. You can save up to 35% by insuring your teen driver through Nationwide rather than Allstate.

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Is Allstate or Nationwide auto insurance cheaper based on driving record?

Speeding tickets, accidents, DUIs, and other traffic violations will increase your Allstate and Nationwide insurance rates.

Allstate vs. Nationwide Average Monthly Auto Insurance Rates by Driving Record
Driving Record SummaryAllstate Average Monthly Car Insurance RatesNationwide Average Monthly Car Insurance Rates
Clean Driving Record$318$229
With One Speeding Violation$374$259
With One Accident$416$283
With One DUI$522$379
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Nationwide is generally more forgiving than Allstate when it comes to traffic violations. Allstate auto insurance quotes nationwide roadside assistance
increase by 5% to 7% more than Nationwide auto insurance rates when you get a speeding ticket or cause an accident.

If you have a speeding ticket or accident on your driving record, Nationwide is the best choice.

However, both companies take DUIs very seriously. Allstate auto insurance rates with a DUI and Nationwide auto insurance rates with a DUI are 65% higher than the rates for a clean driving record.

Is Allstate or Nationwide auto insurance cheaper based on credit score?

Just like gender and marital status, some states have outlawed auto insurance rates based on credit score.

Your credit score is a strong reflection of your consistency with paying your bills, but the reason this practice is being outlawed is that rates quoted by insurance companies assume those with higher credit scores are better drivers.

Allstate vs. Nationwide Average Monthly Auto Insurance Rates by Credit Score
Credit History SummaryAllstate Average Monthly Car Insurance RatesNationwide Average Monthly Car Insurance Rates
Good Credit (670-739)$322$244
Fair Credit Score (580-669)$382$271
Poor Credit Score (300-579)$541$340
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Where you live is one of the biggest factors in determining your auto insurance rates because of state laws. Before you compare Allstate vs. Nationwide auto insurance quotes, check the laws in your state.

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Does Allstate or Nationwide have better auto insurance discounts?

Each company has its selling point, and sometimes that comes down to who has the best auto insurance discounts that apply to your specific situation.

Allstate vs. Nationwide Auto Insurance Discounts
Car Insurance DiscountsAllstate Car Insurance SavingsNationwide Car Insurance Savings
Accident Forgiveness30%N/A
Anti-lock Brake Discount10%N/A
Anti-Theft Device Discount10%5%
Defensive Driver Discount20%10%
E-billing Discount10%N/A
Early Quote Discount10%N/A
EV/Hybrid Discount10%N/A
Family DiscountN/A25%
Farm Bureau DiscountN/A10%
Farm Vehicle Discount10%N/A
Good Driver Discount10%10%
Good Payer Discount5%N/A
Good Student Discount10%15%
Low Mileage Discount10%N/A
Multiple Policy Discount10%25%
Multiple Vehicle Discount10%20%
New Car Discount15%N/A
Organization DiscountN/A10%
Paid in full discount10%N/A
Passive Restraint Discount10%N/A
Preferred payment discount5%N/A
Prepay Discount10%N/A
Senior Adult Discount5%N/A
SmartRide discountN/A10%
Student Away at School Discount5%N/A
teenSMART Discount35%N/A
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Allstate has 22 auto insurance discounts, and Nationwide has only 10 discounts.

Nationwide’s top four discounts all have to do with multiple policies and cars and are all targeted at families.

Allstate does offer a 35% teenSMART discount.

Allstate also has larger discounts for accident forgiveness and taking defensive driving courses.

So, Allstate could potentially have rates close to Nationwide’s, but that all depends on your personal situation and how many discounts each company will allow you to use.

You want to make sure you’re getting the most affordable Allstate vs. Nationwide auto insurance quotes, so be sure to ask about all available discounts.

You can also ask about bundling options for even more savings, such as bundling an Allstate vs Nationwide home insurance policy with your auto insurance policy.

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Does Allstate or Nationwide have better auto insurance mobile apps?

Most of the top 10 auto insurance companies have mobile apps to access policy information and/or make payments and a separate mobile app that tracks your driving habits (usage-based auto insurance).

You can use the Allstate and Nationwide apps to access Allstate or Nationwide roadside assistance.

How do Allstate and Nationwide auto insurance compare in financial strength and customer satisfaction?

Reviewing ratings from three different agencies will provide you with a good picture of an auto insurance company’s financial strength and level of customer satisfaction.

A.M. Best scores companies based on their ability to meet ongoing insurance obligations, such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.

Consumer Reports collects annual data from its subscribers regarding customer satisfaction of the claims process, step by step. In its 2017 survey, 27 insurance companies were rated, and scores ranged from 86 to 96.

The National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers vs. the total number of complaints.

In 2017, the national average complaint ratio was one. The lower the ratio, the better.

Allstate vs. Nationwide Company Ratings
AgenciesAllstate RatingsNationwide Ratings
AM BestA+ (Excellent)A+ (Excellent)
Consumer Reports8888
NAIC Complaint Ratio0.5 (163 complaints)0.28 (25 complaints)
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Both Allstate and Nationwide are highly competitive based on customer feedback and ratings from accredited financial agencies.

Before you decide whether to buy Allstate vs. Nationwide auto insurance, you can always use our free comparison tool to see rates from multiple auto insurance companies in your area.

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