In This Review:
- Allstate Vs. Nationwide Highlights
- Allstate Vs. Nationwide: Coverage Comparison
- Allstate Vs. Nationwide: Cost And Discounts
- Allstate Vs. Nationwide: Ratings And Reviews
- Allstate Vs. Nationwide: Our Take
- Allstate Vs. Nationwide: FAQ
Written by:
Dash Lewis, Writer
Written by: Dash Lewis Content Writer
02/13/2024 09:20 AM
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Key Points:
- Both Allstate and Nationwide have strong customer satisfaction scores, though Allstate’s ratings are slightly higher in most regions.
- Allstate offers more discounts than Nationwide, but Nationwide tends to have the best rates for most drivers.
- Some drivers may find more comprehensive coverage and discount options through providers like State Farm or Geico.
If you’re comparing Allstate vs. Nationwide, you’re already on track to finding the right car insurance coverage for your needs. Our team has researched the best car insurance companies in the industry, and both Allstate and Nationwide are reputable providers with large coverage areas and a wide range of available insurance products.
Choosing between the two may present a challenge. That’s why we’re putting both insurance companies head-to-head to help you decide which may be the best choice. Allstate is known for extensive coverage and a network of local agents, while Nationwide has excellent coverage for seniors and uses modern technology. In this review, we’ll get into the details of each insurer.
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Allstate Vs. Nationwide Highlights
Both Allstate and Nationwide are national auto insurance providers founded over 90 years ago that offer full and minimum coverage car insurance protection to customers across the United States.
Below, we show you how each provider scored during our research. While Allstate and Nationwide have similar overall ratings from our team, their scores in the reliability and cost categories show a notable difference. Overall, you can expect to pay more for a full coverage insurance policy from Allstate than you would for similar coverage from Nationwide.
| Allstate | Nationwide | |
|---|---|---|
| Overall Rating | 4.4 | 4.4 |
| Reliability | 4.8 | 4.3 |
| Availability | 50 states | 46 states and Washington, D.C. (not available in Alaska, Hawaii, and Louisiana) |
| Coverage | 4.6 | 4.5 |
| Cost | 3.8 | 4.1 |
| Customer Service | 4.2 | 4.3 |
| AM Best Financial Strength Rating | A+ | A+ |
| 2023 J.D. Power Claims Satisfaction Score | 882/1,000 | 875/1,000 |
| Mobile App Google Play Rating | 3.8 | 4.4 |
| Mobile App App Store Rating | 4.8 | 4.7 |
Allstate Vs. Nationwide: Coverage Comparison
When shopping for car insurance, choosing an insurer with the right coverage options for your needs can provide peace of mind.
The table below compares Allstate vs. Nationwide in terms of coverage options. We find that Nationwide has a more comprehensive coverage selection than Allstate.
| Allstate | Nationwide | |
|---|---|---|
| Bodily Injury Liability (BI) | ✓ | ✓ |
| Property Damage Liability (PD) | ✓ | ✓ |
| Collision | ✓ | ✓ |
| Comprehensive | ✓ | ✓ |
| Personal Injury Protection (PIP) | ✓ | ✓ |
| Medical Payments (MedPay) | ✓ | ✓ |
| Uninsured/Underinsured Motorist (UM/UIM) | ✓ | ✓ |
| Roadside Assistance | ✓ | ✓ |
| Rental Car Reimbursem*nt | ✓ | ✓ |
| Accident Forgiveness | ✓ | ✓ |
| Towing and Labor | ✓ | ✓ |
| Guaranteed Asset Protection (GAP) Insurance | ✓ | |
| Deductible Savings | ✓ | ✓ |
| Total Loss Deductible Waiver | ✓ | |
| Rideshare Insurance | ✓ | |
| Mexico Tourist Car Insurance | ✓ |
As you can see, like most car insurance companies, Allstate and Nationwide provide the six standard types of auto insurance coverage:
- Liability auto insurance
- Collision insurance
- Comprehensive car insurance
- Personal injury protection (PIP)
- Medical payments (MedPay)
- Uninsured/underinsured motorist coverage (UM/UIM)
You can also get roadside assistance, rental car reimbursem*nt, and accident forgiveness insurance with either company–all big pluses in an auto insurance provider. Beyond those, coverage varies between Allstate vs. Nationwide.
Allstate’s standout coverage offering is rideshare insurance. This type of coverage is for people who drive for a ridesharing service like Uber or Lyft. It covers the cost of injuries for you and your passengers after a covered accident. Plus, you get rental car reimbursem*nt if your car is in the shop after an accident.
Unlike Allstate, Nationwide offers a total loss waiver deductible. This option ensures your collision or comprehensive deductible will be waived in the event of a total loss.
We also think it’s important to mention Nationwide’s On Your Side® Review, even though it technically isn’t a type of insurance coverage. It includes a free consultation with a Nationwide agent to ensure you fully understand your policy and benefits and your current coverage satisfies your needs.
Allstate Vs. Nationwide: Cost And Discounts
Our research found that Nationwide is generally more affordable than Allstate. However, car insurance rates depend on many factors, including your age, vehicle make and model, and driving history. For this reason, it doesn’t hurt to get free insurance quotes from both providers.
Allstate Vs. Nationwide Cost Comparison
The chart below shows a side-by-side comparison of annual rates for different types of insurance coverage and driver profiles.
Full coverage and liability estimates represent costs for a single male driver, age 30, with a 2020 Honda CR-V, good credit, and a clean driving record. For comparison, we also included average costs for younger drivers and drivers with a recent speeding ticket.
Our research found that Nationwide was more affordable for most drivers, including teen drivers and drivers with recent traffic violations. Nationwide’s full coverage rates are also below the national average of $1,968 per year, while Allstate car insurance is 28 percent higher.
| Allstate Annual Rate | Nationwide Annual Rate | |
|---|---|---|
| Full coverage insurance | $2,520 | $1,674 |
| Liability coverage | $1,036 | $770 |
| Full coverage for drivers age 16 | $11,072 | $6,541 |
| Full coverage for drivers with one ticket | $2,911 | $2,149 |
Allstate Vs. Nationwide Discount Opportunities
When you compare rates between Allstate and Nationwide, consider the discounts you qualify for. Most major insurance providers allow customers to save money on insurance premiums by bundling auto, life, and home insurance policies, among other ways.
By the numbers, Allstate has more auto insurance discounts than Nationwide. Here are some ways you can save with each auto insurer:
| Discount | Allstate | Nationwide |
|---|---|---|
| Multi-Policy | ✓ | ✓ |
| Safe Driver | ✓ | ✓ |
| Anti-Theft | ✓ | ✓ |
| Automatic Payments | ✓ | ✓ |
| New Car | ✓ | |
| Anti-Lock Brakes | ✓ | |
| Paperless | ✓ | ✓ |
| Early Signing | ✓ | |
| Responsible Payer | ✓ | |
| Pay in Full | ✓ | |
| Good Student | ✓ | ✓ |
| Defensive Driving | ✓ | |
| Low mileage | ✓ |
Between Allstate vs. Nationwide, we like Allstate’s discounts for good students and paying bills responsibly. Nationwide offers a great defensive driving discount and a program that gives discounts for driving less.
Drivewise® Vs. SmartRide®
Both Allstate and Nationwide have safe driver rewards programs in which a plug-in device or mobile app monitors your driving habits. Here’s a side-by-side look at Allstate’s Drivewise and Nationwide’s SmartRide programs.
| Allstate Drivewise | Nationwide SmartRide |
|---|---|
| Unspecified signup and renewal discount | 10% discount for signing up |
| Unspecified discount every six to 12 months for safe driving | Up to 40% off for safe driving |
| App has a 3.8-star rating on the Google Play Store and a 4.8 on the App Store | App has a 4.4-star rating on the Google Play Store and a 4.7 on the App Store |
Allstate Vs. Nationwide: Quotes And Claims
You can get a quote for an auto insurance policy online or over the phone with both Allstate and Nationwide.
The J.D. Power 2023 U.S. Insurance Shopping Study℠surveyed drivers shopping for car insurance and measured price, distribution channel, and policy offerings. Allstate earned 853 points out of a possible 1,000 for customer satisfaction, and Nationwide earned 861 points. These numbers tell us that policyholders were slightly more satisfied with Nationwide’s shopping experience.
The J.D. Power 2023 U.S. Auto Claims Satisfaction Study℠gave Allstate a score of 882 points out of a possible 1,000, while Nationwide earned 875. Overall, customers are a bit more pleased with Allstate’s claims experience than Nationwide’s.
To get free quotes from Allstate and Nationwide, enter your zip code in the tool below.
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Allstate Vs. Nationwide: Ratings And Reviews
Allstate and Nationwide both have excellent insurance industry reputations, with high ratings from both AM Best and the Better Business Bureau (BBB). AM Best measures financial strength, which tells us how capable an auto insurance company is of paying out on claims, while the BBB reviews business practices and transparency.
| Allstate | Nationwide | |
|---|---|---|
| AM Best Financial Strength Rating | A+ | A |
| BBB Rating | A+ | A+ |
To further compare Allstate vs. Nationwide, we can look at the J.D. Power 2023 U.S. Auto Insurance Study℠, which breaks down customer satisfaction by region. Check out the table below to see how customers in your region rated each insurance company. All ratings are based on a 1,000-point scale.
| Region | Allstate | Nationwide |
|---|---|---|
| California | 816 | 794 |
| Central: Arkansas, Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, Oklahoma, and South Dakota | 806 | 792 |
| Florida | 821 | Not rated in this region |
| Mid-Atlantic: Delaware, Washington D.C., Maryland, New Jersey, Pennsylvania, Virginia, and West Virginia | 825 | 820 |
| New England: Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont | 816 | Not rated in this region |
| New York | 819 | 800 |
| North Central: Illinois, Indiana, Michigan, Ohio, and Wisconsin | 822 | 821 |
| Northwest: Idaho, Montana, Oregon, Washington, and Wyoming | 783 | Not rated in this region |
| Southeast: Alabama, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, and Tennessee | 832 | 834 |
| Southwest: Arizona, Colorado, Nevada, New Mexico, and Utah | 801 | 783 |
| Texas | 809 | Not rated in this region |
According to the study, Allstate has a slightly higher level of customer satisfaction in more regions of the U.S.
Allstate vs. Nationwide: BBB Reviews
It’s normal for providers of this size to have mixed reviews on the BBB platform. Let’s take a closer look at what some BBB reviewers have to say when it comes to Allstate vs. Nationwide.
Positive Allstate reviews mention an easy, smooth claims process and good customer service. Complaints about the provider cite poor communication and a lack of professionalism. Those who praise Nationwide mention a quick claims and repair process, but displeased customers complain of bad customer service.
Allstate Vs. Nationwide: Our Take
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 cost, since it has lower rates for most drivers. Still, your insurance costs may depend on your driving history, credit score, discounts, and other factors.
| Category | Winner |
|---|---|
| Cost And Discounts | Nationwide |
| Quotes And Claims Processes | Tie |
| Ratings And Customer Reviews | Allstate |
| Overall | Nationwide |
We recommend getting quotes from multiple companies as you search for insurance options. Use our tool below to compare auto insurance rates in your area.
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Other Recommended Car Insurance Companies
After comparing Allstate vs. Nationwide, take a look at a few more top auto insurance providers. Geico and State Farm both performed highly in our industry review, with State Farm earning 4.7 out of 5 and Geico rated at 4.5 out of 5. We named State Farm the Best Overall provider in the nation and Geico Best for Basic Coverage options.
State Farm: Best Overall
With State Farm auto insurance, you know you have coverage you can trust. The insurer received an A++ rating from AM Best and an A+ from the BBB. As the largest car insurance company in the nation, State Farm offers standard car insurance coverage and add-ons like rental car reimbursem*nt and travel expense coverage. Plus, State Farm has great mobile apps that can help you save money:
- Drive Safe & Save™: This usage-based savings program monitors safe driving habits that could qualify you for discounts.
- Steer Clear®: An educational safe driving app for young drivers, Steer Clear logs safe driving progress and qualifies drivers under age 25 for car insurance discounts.
Read more in our full State Farm insurance review.
Geico: Best for Basic Coverage
Geico auto insurance has a reputation for being very affordable and providing a wide range of choices for drivers. Like State Farm, this insurer has earned impressive ratings from experts like AM Best and the BBB, with scores of A++ and A+, respectively.
With Geico, you can get standard auto insurance coverage and more–like roadside assistance, rental car reimbursem*nt, and mechanical breakdown insurance, which is similar to an extended car warranty. Geico also has a number of discounts for military members, good students, safe drivers, and other groups.
Read more in our full Geico auto insurance review.
Allstate Vs. Nationwide: FAQ
Below are some frequently asked questions about Allstate Vs. Nationwide insurance coverage:
Can I buy Allstate or Nationwide insurance online?
Yes, you can request quotes and purchase car insurance coverage online from both Allstate and Nationwide. The online quote process is easy and free from most major insurance providers.
Is Nationwide cheaper than Allstate?
Nationwide car insurance coverage is cheaper than Allstate’s for many drivers. For a good driver, the average cost for full coverage from Nationwide is $1,674, 34 percent cheaper than Allstate’s annual average of $2,520.
Is Allstate better than Nationwide?
Ultimately, the best coverage will depend on your vehicle, driving history, budget, and other factors. According to J.D. Power, Allstate has slightly higher customer satisfaction ratings in most areas of the U.S. However, Nationwide’s customer satisfaction ratings aren’t far behind Allstate’s, and the company’s policies tend to be more affordable.
Why does Nationwide offer me different rates than Allstate?
Car insurance providers use a variety of factors to determine your quoted car insurance rates. If you’re receiving a lower quote from one company, that company may consider you a lower risk or offer more discounts than other companies you’ve received quotes from.
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Data accurate at time of publication.
Dash Lewis Content Writer
