Allstate vs. Nationwide Auto Insurance in 2022
Our Allstate vs. Nationwide auto insurance guide will help you choose between two companies with a steady history of financial strength. We look at rates for both companies based on age, driving record, and credit score. Nationwide is a better option for teen drivers and those with a bad driving record, but Allstate has great discounts to offset their higher rates.
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UPDATED: Nov 10, 2021
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- Both Allstate and Nationwide have stable financial strength, high customer satisfaction, and low complaint ratios
- Nationwide has better auto insurance rates for young drivers
- Allstate has a wider selection of auto insurance discounts
- Nationwide has better auto insurance rates for high-risk drivers with a record
- Allstate has higher auto insurance rates overall
It’s nice to have options in life, and there are so many auto insurance companies to consider. You probably know the basics now that you have landed here and are ready to narrow down your two best contenders and choose the auto insurance company that will have your back when you need it: Allstate vs. Nationwide auto insurance.
Allstate and Nationwide are both on the big list of the best auto insurance companies, but how do they stack up when it comes to rates, discounts, consumer satisfaction and complaints, mobile apps, and financial strength?
To find affordable auto insurance, enter your ZIP code to start comparing multiple auto insurance companies in your local area.
Is Allstate auto insurance or Nationwide auto insurance cheaper based on age?
Wouldn’t you agree that as we age, we become more experienced? Auto insurance companies believe this, especially when it comes to determining your auto insurance rates. They believe the more years of experience driving we have, the more cautious and safe we are as drivers.
I think we can all agree on that.
However, I doubt we will all agree that it’s fair to base auto insurance rates on gender and marital status. Some states have outlawed this discriminatory practice — but not all.
|Age, Gender, and Marital Status||Allstate Average Monthly Auto Insurance Rates||Nationwide Average Monthly Auto 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|
Nationwide’s auto insurance rates are 23 percent cheaper than Allstate’s auto insurance rates for drivers 25 and older.
If you have a teen driver in your household, Nationwide auto insurance is the better choice. Teen driver rates with Nationwide are 35 percent cheaper than Allstate’s teen driver rates.
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Is Allstate auto insurance or Nationwide auto insurance cheaper based on driving record?
No matter what auto insurance company you select, it’s a widely accepted fact that your auto insurance rates will increase if you get a speeding ticket, cause an accident, or get a DUIs. The riskier a driver you are, the riskier a liability you are. These two companies are no exception.
|Driving Record Summary||Allstate Average Monthly Auto Insurance Rates||Nationwide Average Monthly Auto Insurance Rates|
|Clean Driving Record||$318||$229|
|With One Speeding Violation||$374||$259|
|With One Accident||$416||$283|
|With One DUI||$522||$379|
In general, Nationwide has better auto insurance rates for drivers with traffic violations. If you have a speeding ticket or accident on your record, expect to pay 5 to 7 percent more on your auto insurance rates with Allstate.
Unfortunately, both companies take DUIs pretty seriously. Both Allstate auto insurance rates with a DUI and Nationwide auto insurance rates with a DUI are about 65 percent higher than for someone with a clean driving record.
Is Allstate auto insurance or Nationwide auto insurance cheaper based on credit score?
Your credit score reflects your prior ability to manage your finances and make good choices as well as pay your bills on time. Auto insurance companies assume that the more financially responsible you are, the safer driver you are.
We can all agree that a traumatic financial life event like a divorce or unexpected medical costs is likely to decrease your credit score.
Are those always personal choices? Not exactly.
Just the same as gender and marital status, some states have banned auto insurance companies from basing rates on credit history. Let’s take a look at how Allstate and Nationwide compare when it comes to rates based on credit score.
|Credit History Summary||Allstate Average Monthly Auto Insurance Rates||Nationwide Average Monthly Auto Insurance Rates|
|Good Credit (670-739)||$322||$244|
|Fair Credit Score (580-669)||$382||$271|
|Poor Credit Score (300-579)||$541||$340|
Again, Nationwide has better auto insurance rates for drivers with a rough credit history. Nationwide charges less than $100 more per month than Allstate when comparing rates for a driver with bad credit vs a driver with good credit.
For drivers with bad credit, Allstate, on the other hand, charges over $200 more per month than drivers with good credit.
If you have a lower credit score, Nationwide is a more affordable option.
When it’s time to renew your six-month policy, and you notice your rate has gone up, it could be because your credit score dropped. Use your Allstate login or Nationwide login to make adjustments to your deductible and coverage levels, temporarily, if needed, to reduce your rate for the next six months while you work to improve your credit score.
It’s good practice to check your credit report every six months anyway.
State laws determine much of what obtaining auto insurance coverage costs, so where you live is a very influential factor in determining your auto insurance rates. Be sure to check your state auto insurance guide before judging Allstate and Nationwide auto insurance rates by credit score.
Does Allstate or Nationwide have better auto insurance discounts?
Every auto insurance company has its brand, and it tends to stem from its history. Similarly, the values and philosophies of an auto insurance company can influence what discounts an auto insurance company will offer.
This is why it pays to shop around. Let’s take a look at Allstate auto insurance discounts and Nationwide auto insurance discounts.
|Car Insurance Discounts||Allstate Auto Insurance Savings||Nationwide Auto Insurance Savings|
|Anti-lock Brake Discount||10%||N/A|
|Anti-Theft Device Discount||10%||5%|
|Defensive Driver Discount||20%||10%|
|Early Quote Discount||10%||N/A|
|Farm Bureau Discount||N/A||10%|
|Farm Vehicle Discount||10%||N/A|
|Good Driver Discount||10%||10%|
|Good Payer Discount||5%||N/A|
|Good Student Discount||10%||15%|
|Low Mileage Discount||10%||N/A|
|Multiple Policy Discount||10%||25%|
|Multiple Vehicle Discount||10%||20%|
|New Car Discount||15%||N/A|
|Paid in full discount||10%||N/A|
|Passive Restraint Discount||10%||N/A|
|Preferred payment discount||5%||N/A|
|Senior Adult Discount||5%||N/A|
|Student Away at School Discount||5%||N/A|
When comparing all discounts that either company offers, Allstate has a total of 22 auto insurance discounts while Nationwide has only 10 discounts.
If you are a family of three or more and own your home, Nationwide’s largest discounts are for customers with multiple policies and multiple cars.
Allstate has larger discounts for accident forgiveness and taking defensive driving courses, and their teenSMART 35 percent discount will certainly offset their higher rates for teen drivers.
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What types of auto insurance coverages are offered by Allstate and Nationwide?
Since both Allstate and Nationwide are on the big contender list for market share, they both likely offer the standard six coverages that are listed below in addition to much more.
- Liability auto insurance coverage – bodily injury and property damage
- Comprehensive auto insurance coverage
- Collision auto insurance coverage
- Uninsured/Underinsured auto insurance coverage
- Medical Payments (MedPay) auto insurance coverage – particularly important in states that require no-fault auto insurance
- Personal Injury Protection (PIP) auto insurance coverage
However, be sure to take a closer look at any specialty coverages such as rental reimbursement, roadside assistance, guaranteed auto protection (GAP), mechanical breakdown, and recreational vehicles such as ATVs or boats. Also, check out Nationwide pet insurance and Nationwide retirement.
Does Allstate or Nationwide have better auto insurance mobile apps?
Most of the top 10 auto insurance companies have mobile apps to make payments, adjust coverage levels, or show electronic verification of auto insurance coverage. However, most auto insurance companies have a separate app that is used for their usage-based auto insurance programs.
Usually, your Allstate insurance login or Nationwide insurance login will work with both the general app and the driving app.
Read our Allstate’s MileWise review and compare it to Nationwide’s SmartRide to decide if you would like to participate in their usage-based auto insurance programs.
How does Allstate and Nationwide auto insurance compare in financial strength and customer satisfaction?
If auto insurance companies can judge their customers based on gender, marital status, and credit score, then it’s only fair customers get to judge them. We list ratings for Allstate and Nationwide from the top agencies that judge the credibility of all auto insurance companies.
A.M. Best scores companies based on their ability to meet their 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 Allstate claims process and Nationwide claims process, step by step. In their 2017 survey, 27 insurance companies were rated, and scores ranged between 86 to 96.
And the National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers against the total number of complaints. In 2017, the national average complaint ratio was 1. The lower the ratio, the better.
|Agencies||Allstate Ratings||Nationwide Ratings|
|AM Best||A+ (Excellent)||A+ (Excellent)|
|NAIC Complaint Ratio||0.5 (163 complaints)||0.28 (25 complaints)|
When it comes to external ratings by government, financial, and consumer ratings, both Allstate and Nationwide are highly competitive, so expect longevity and a smooth customer experience with either company.
Ready to buy auto insurance? If you’re still unsure which company to choose, you can always use our free comparison tool to compare auto insurance quotes near you.