Allstate vs. Nationwide: Which Is the Best? (2025)
Allstate’s lower prices and higher customer service rating earn it an Insurify Quality (IQ) Score of 8.9 out of 5, slightly beating out Nationwide’s 9.0.
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Allstate and Nationwide are two of the largest car insurance companies in the country. The insurers have similar coverage options and discount programs with a few key differences. For example, Allstate has more discount offerings, while Nationwide offers more coverage add-ons, like a total loss deductible waiver.
Both companies offer competitive rates below the national average of $138 per month. You should always compare quotes from multiple insurers, including Allstate and Nationwide, to find the cheapest car insurance and type of policy that meets your insurance needs.
Here’s what you need to know about Allstate and Nationwide before buying a new car insurance policy.
Quick Facts
The national average cost of coverage from Allstate is $74 per month for liability coverage and $139 for full-coverage insurance.
Nationwide policyholders pay $96 per month for liability insurance and $180 for full coverage, on average.
Allstate has 14 available discounts, and Nationwide has 11.
Allstate vs. Nationwide: The verdict
The two car insurance companies have a similar quality of coverage, but Allstate’s lower prices and slightly higher J.D. Power rankings for customer and claims satisfaction make it the better choice for many drivers.
See how the two insurers compare below.
Factor  | Allstate | Nationwide |
|---|---|---|
| Insurify Quality (IQ) Score | 8.9 | 9.0 |
| Customer satisfaction score | 814 | 806 |
| Average quote: liability only | $74 | $96 |
| Number of available discounts | 14 | 11 |
| Number of states where it operates | 50 | 47 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Allstate
Allstate personal auto insurance policies make up about 11% of the market share in the U.S. It’s the fourth-largest car insurance company in the country.[?]
Nationwide
Nationwide has about 2% of the overall insurance market share, making it the 10th-largest U.S. car insurance company.[?]
Allstate Drivewise vs. Nationwide SmartRide
Both Nationwide and Allstate offer telematics programs that reward safe drivers with helpful discounts. The mobile apps score you based on mileage, braking, acceleration, and speed habits. Enrolling in one of these programs also provides direct feedback about the safest way to operate your vehicle.
You can earn a 10% discount just for signing up for Nationwide’s SmartRide program, and up to 25% for safe driving habits. Allstate auto insurance also offers an initial discount for signing up for Drivewise and a safe driving discount every six months you’re accident-free. You’ll receive rates based on your driving habits.
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Allstate vs. Nationwide: Which is the cheapest?
Generally speaking, Allstate has lower rates for coverage than Nationwide. But the cheapest car insurance company for you depends on several factors, including your driving record, marital status, ZIP code, chosen insurance coverage, past car insurance claims, and more.
More mature drivers with a clean record can expect to pay lower insurance rates than young drivers and people with many incidents on their driving record. Insurers typically view drivers with past incidents like speeding tickets, at-fault accidents, moving violations, and DUIs as high-risk drivers to insure.
Allstate: Cheapest for drivers with a clean driving record
Allstate offers the best deal for drivers with a clean record.
Driver Type | Allstate | Nationwide |
|---|---|---|
| Clean driving record | $74 | $96 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Allstate: Cheapest for drivers with a speeding ticket
For drivers with a speeding ticket, Allstate has more affordable coverage, on average.
Driver Type | Allstate | Nationwide |
|---|---|---|
| Drivers with a speeding ticket | $97 | $125 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Allstate: Cheapest for teen drivers
Teen drivers pay lower average car insurance rates with Allstate than Nationwide.
Driver Type | Allstate | Nationwide |
|---|---|---|
| 18-year-old | $158 | $200 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Allstate: Cheapest for drivers with bad credit
Drivers with a poor credit score can find cheaper coverage from Allstate, on average.
Driver Type | Allstate | Nationwide |
|---|---|---|
| Drivers with bad credit | $90 | $117 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Allstate: Cheapest for senior drivers
Senior drivers can find the best rates with Allstate insurance.
Driver Type | Allstate | Nationwide |
|---|---|---|
| Senior drivers | $57 | $65 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Compare coverages: Allstate vs. Nationwide
As with most national auto insurance companies on the market, Allstate and Nationwide auto insurance have many of the same coverage offerings, including standard coverages like:
Bodily injury liability
Property damage liability
Comprehensive and collision coverage
Allstate car insurance and Nationwide car insurance both also offer a number of add-on policies, with some variation. Compare available insurance endorsements below.
Coverage | Allstate | Nationwide |
|---|---|---|
| Gap insurance | Yes | No |
| Rental reimbursement | Yes | Yes |
| Vanishing deductible | Yes | Yes |
| Total vanishing deductible waiver | No | Yes |
| Roadside assistance | Yes | Yes |
| Rideshare coverage | Yes | No |
Compare discounts: Allstate vs. Nationwide
Allstate and Nationwide offer almost the same number of auto insurance discounts, but Allstate policyholders can benefit from a few more, including a new-car discount. Nationwide offers discounts for driving fewer miles during a policy period, but it doesn’t have a discount for military members.
You can compare discount offerings from the two companies below.
Discount | Allstate | Nationwide |
|---|---|---|
| Clean driving record | Yes | Yes |
| Defensive driving course | Yes | Yes |
| Multi-policy | Yes | Yes |
| Multi-car | Yes | Yes |
| Low mileage | No | Yes |
| Telematics (safe driving app) | Yes | Yes |
| Anti-theft device | Yes | Yes |
| New car | Yes | No |
| Military/affiliation | Yes | No |
| Good student | Yes | Yes |
| Loyalty | No | Yes |
| Auto pay | Yes | Yes |
| Student away at school | Yes | Yes |
| Homeowner | Yes | Yes |
| Alternative fuel | No | Yes |
Allstate vs. Nationwide FAQs
Deciding on the right insurer that meets your specific needs and price point can be hard. The following information should help answer your remaining questions and help you make an informed decision.
Is Nationwide the same as Allstate?
No. Though the companies offer similar coverage nationwide, they’re different companies. Allstate has lower average auto insurance rates than Nationwide, but both companies offer coverage below the national average. Both companies have good reputations in the insurance industry.
Is Nationwide good at paying claims?
Yes. Nationwide has an AM Best financial strength rating of A+ (Superior), which indicates an ability to pay claims. But the company ranked slightly below average in customer satisfaction in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study.[?]
What are the main differences between Allstate and Nationwide insurance policies?
On average, Allstate offers cheaper car insurance policies than Nationwide. Allstate has more available discounts, but Nationwide has a few extra coverage offerings.
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