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If you’ve ever been completely baffled by the process of shopping for car insurance, you’re not alone. Auto insurance companies use a ton of information to come up with your rates and give you a quote, and if you don’t know what that information is or how they’re using it, it’s hard to figure out if you’re getting a good rate or if you could do better elsewhere. Furthermore, some of the factors used to calculate premiums are within your control, and some are not. We’ve taken a hard look at the average annual rates of and the customer experience provided by the 10 largest auto insurance companies in the United States, and we’re using that information to compare two insurance companies at a time. If you’re planning to shop for a new auto insurance policy, this comparison will help you figure out if Allstate or Nationwide is a better fit for you.

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Allstate

  • Customers are satisfied with ease of filing a claim
  • Good customer service
  • Several discounts available for students
  • Poor perceived value
  • Higher rates than Nationwide in most categories
  • Among the highest rates in the study overall

Nationwide

  • Customers are happy with service
  • Satisfying claims process, communication, and resolution
  • Lower rates for customers with moving violations
  • Lower rates overall
  • Middle-of-the-class ranking among auto insurers in study
  • Customers perceive a low overall value

Allstate vs. Nationwide: Which Is Cheaper?

For most consumers, Nationwide is a better choice than Allstate because of its lower national average rates. Nationwide’s national average car insurance rate is $3,450, which is considerably cheaper than Allstate’s national average of $4,889.

For more information, check out our full list of the cheapest car insurance companies.

How We Did This Comparison

U.S. News worked with Quadrant Information Services to provide a report of average insurance rates in all 50 states from the 10 largest national car insurance companies. The rates are based on profiles for both male and female drivers aged 17, 25, 35, and 60. Vehicles used include the 2018 Honda Civic, 2018 Toyota RAV4, 2018 Ford F-150, 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage of 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations. The rates shown here are for comparative purposes only. Individual rates will differ.

We also surveyed 2,799 consumers who filed a car insurance claim in the last five years, asking questions about their car insurance company. These questions covered satisfaction with the ease of filing a claim, customer service, claim status communication, claim resolution, and overall value. We also asked whether they’d recommend the company and if they planned to renew their policy. We used their responses to build our Best Car Insurance Companies ranking and this head-to-head comparison.

Allstate Auto Insurance Information

Allstate was founded in 1931 as an offshoot of Sears, Roebuck & Co. and remained partially owned by Sears until 1993. In the mid-1990s, Allstate became a completely publicly owned company. In 1939, Allstate changed the auto insurance industry by becoming the first company to customize insurance rates based on the vehicle’s age and type and the mileage driven. Competitors quickly followed suit.

In our study of America’s largest car insurance companies, Allstate lands in eighth place. Customers say they are pleased with Allstate’s customer service staff and appreciate the ease of filing a claim. However, those who filed a claim said that Allstate should have communicated better during the process. Allstate also has a low perceived value and very high rates compared to most major rivals. Here, we’ll focus on how Allstate compares to just one rival, Nationwide.

Nationwide Auto Insurance Information

Nationwide isn’t just one of the biggest auto insurance companies in the United States, it’s one of the largest insurance and financial services companies in the world, with upward of $158 billion in statutory assets. Nationwide got its start in 1925 and is headquartered in Columbus, Ohio.

Compared to the other nine largest auto insurance companies in the country, Nationwide earns a midpack rating. On the positive end, survey respondents noted that they’re largely satisfied with Nationwide’s customer service, claims process and communication, and claim resolution. However, Nationwide is perceived as having a low overall value, which keeps it out of the top five in our insurance company rankings. Here, we’ll examine how Nationwide compares to Allstate.

Allstate and Nationwide Car Insurance: Which Is Cheapest for Teens?

Company

Single 17-year-old female

Single 17-year-old male

Allstate

$9,282.19

$10,642.53

Nationwide

$5,756.37

$7,175.31

It’s generally accepted as fact in the auto insurance industry that teenagers will pay the highest rates of any group. They’re inexperienced and easily distracted, and therefore they represent a higher accident risk. The good news is that rates go down significantly as they get older, which we’ll cover farther down the page. The bad news, if you’re a parent of a new teen driver, is that Allstate and Nationwide, along with all their rivals, are going to charge you more for insurance. So which company is a better bet for you? Let’s look at the data to find which company is cheaper for two different groups: 17-year-old males and 17-year-old females.

Teen boys pay higher rates than their female counterparts, regardless of which company they use. However, for both groups, Nationwide is considerably less expensive than Allstate. Male teens who use Nationwide should budget for about $7,175, and Allstate customers should expect to pay around $10,643. For teen girls, Nationwide charges an average national rate of $5,756, which is considerably lower than Allstate’s female teen rate of $9,282.

Drivers in this age group who are students and maintain a good grade point average should see if they are eligible for discounts. Nationwide offers a good student discount to students who maintain at least a B average. Allstate offers discounts for maintaining good grades, for completing a driver education course, and for college students who live on campus at least 100 miles from home for most of the year.

Allstate and Nationwide Car Insurance: Which Is Cheapest for Men?

Company

Single 25-year-old male

Married 35-year-old male

Married 60-year-old male

Allstate

$3,570.93

$3,123.01

$2,990.64

Nationwide

$2,889.04

$2,387.43

$2,214.62

In general, most drivers can expect to pay lower car insurance rates as they get older and gain more experienced, and the rates from Allstate and Nationwide bear this out. We’re going to see the rates male customers pay to Allstate and Nationwide in three age groups: 25-, 35-, and 60-year-olds.

For all three groups, Nationwide has the lowest rates by a substantial margin. Twenty-five-year-olds can expect to pay $2,889 with Nationwide and $3,571 with Allstate. Nationwide’s 35-year-old male customers pay an average rate of $2,387, while Allstate customers pay $3,123. Finally, 60-year-olds can expect to pay $2,215 with Nationwide and $2,991 with Allstate. Across the board, sticking with Nationwide can result in significant savings.

Allstate and Nationwide Car Insurance: Which Is Cheapest for Women?

Company

Single 25-year-old female

Married 35-year-old female

Married 60-year-old female

Allstate

$3,424.87

$3,156.09

$2,913.37

Nationwide

$2,686.48

$2,360.49

$2,130.26

Here, we’re going to look at rates for those same age groups but for female auto insurance customers. It’s worth noting some common threads upfront. First, for all three groups, Nationwide’s rates are lower than Allstate’s. Second, with both companies, 25-year-olds pay the highest rates and 60-year-olds pay the lowest. Finally, in general, rates for women in these age groups are lower than the rates we’ve already looked at for men in the same age groups, though there are a couple exceptions.

Nationwide’s average rate for 25-year-old women is $2,686, and Allstate’s rate of $3,425 is considerably higher. Nationwide’s rate goes down to $2,360 for 35-year-olds, while Allstate’s drops to $3,156. When customers of both companies reach 60 years old, they can expect another break. Nationwide’s average rate for this group is $2,130, while Allstate’s is $2,913.

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Allstate and Nationwide Car Insurance: Which Is Cheapest for High Mileage?

Company

12,000 miles annually

Allstate

$4,934.20

Nationwide

$3,462.67

Depending on the insurance company you use, you could pay different rates depending on how much you drive. In general, people who drive more are better off with Nationwide, which charges an average of $3,463. This rate lands Nationwide roughly in the middle of the 10 auto insurance companies in the study. Allstate’s rate of $4,934 is on the higher end.

Allstate and Nationwide Car Insurance: Which Is Cheapest for Low Mileage?

Company

6,000 miles annually

Allstate

$4,841.71

Nationwide

$3,437.33

Will you save any money on car insurance if you cut your annual mileage in half? Here, Nationwide’s average rate comes in at $3,437, which is not much less than the rate for higher-mileage customers. Allstate’s rate, $4,842, offers a bit more of a discount as compared to Allstate’s rate for higher drivers, but it’s not enough to drastically alter your lifestyle for, especially since you could probably save much more money by switching companies.

Allstate and Nationwide Car Insurance: Which Is Cheapest for Good Credit?

Company

Good Credit

Allstate

$3,859.66

Nationwide

$2,925.94

If you have good credit, you’re likely to qualify for lower car insurance rates than people who don’t. That’s because insurance companies perceive those with good credit as generally responsible, which makes them a lower risk and therefore good (that is, more profitable) customers. You might never figure out exactly how your credit score can affect your rates, but you can see how much customers with good credit are likely to pay at the biggest auto insurance companies in the country. If you have a high credit score, check out Nationwide before Allstate. Nationwide’s national average rate for this group is $2,926, while Allstate’s average is $3,860. Overall, Nationwide’s rates are about in the middle compared to rivals, while Allstate’s rates are on the high side.

Allstate and Nationwide Car Insurance: Which Is Cheapest for Bad Credit?

Company

Poor Credit

Allstate

$6,490.65

Nationwide

$4,083.29

A mediocre or poor credit history is another factor that makes car insurance more expensive. Insurance companies charge more to these customers because they believe bad credit is a sign that the customer poses a higher risk. Of these two insurance companies, Nationwide is the far better choice for customers with subpar credit. Nationwide has a national average rate of $4,083, which is the second-lowest of the major auto insurance companies, behind USAA. Allstate, on the other hand, has the second-highest rates of companies in the study. Allstate charges these customers an average of $6,491.

Allstate and Nationwide Car Insurance: Which Is Cheapest for Good Drivers?

Company

Clean record

Allstate

$3,819.90

Nationwide

$2,746.18

Consumers who have maintained a clean driving record should expect to pay less with Nationwide than Allstate. Nationwide’s national average rate for good drivers is $2,746, while Allstate’s rate is considerably higher, at $3,820. Again, compared to the other companies in our survey, Nationwide’s rates are among the least expensive. Allstate’s rates are among the highest.

Allstate and Nationwide Car Insurance: Which Is Cheapest After a Speeding Ticket?

Company

With 1 speeding violation

Allstate

$4,483.51

Nationwide

$3,113.68

If you’re trying to pay low rates for car insurance, it’s important to avoid behavior that makes you a higher risk to insurance companies, like speeding. When you get a speeding ticket, the court fees and penalties are bad enough, but your car insurance will also go up. The good news is that rates for drivers with a speeding ticket vary considerably among the top auto insurance companies, so customers may be able to choose a company that charges less. For drivers with a single speeding violation, Nationwide is a better choice than Allstate. Nationwide’s average national rate is $3,114, on the lower side of the rates from the biggest auto insurance companies, while Allstate charges a national average rate of $4,484 to this group.

Allstate and Nationwide Car Insurance: Which Is Cheapest After an Accident?

Company

With 1 accident

Allstate

$4,987.68

Nationwide

$3,396.95

Accidents can make your auto insurance rates skyrocket. After an accident, the average car insurance customer is much better off with Nationwide. Nationwide’s average rate for customers with a single accident on their record is $3,397, while Allstate customers can expect to pay an average of $4,988. Allstate’s rate for this group is among the highest in the study. Nationwide’s rate is on the lower side. Just three companies are cheaper for this group: USAA, Geico, and State Farm.

Allstate and Nationwide Car Insurance: Which Is Cheapest After a DUI?

Company

With 1 DUI

Allstate

$6,260.73

Nationwide

$4,543.20

No one should be surprised that car insurance rates go up after a DUI. If you have a conviction for driving under the influence, or DUI, on your record, you are probably better off with Nationwide than with Allstate. The national average rate for Nationwide customers with a DUI is $4,543, while their counterparts who use Allstate pay a national average rate of $6,261. Among the auto insurance companies in the study, Nationwide’s average rate ranks roughly in the middle, while Allstate’s is the highest of the group.

Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.

The Best Car Insurance Companies

This head-to-head comparison looks mainly at cost. For more information, check out our full ranking of the best car insurance companies and learn about what real customers say about Allstate, Nationwide, and their competitors.

Our Car Insurance Ranking:

  1. USAA
  2. Travelers
  3. State Farm
  4. Geico
  5. Farmers
  6. Nationwide
  7. Progressive
  8. Allstate
  9. Liberty Mutual
  10. American Family

The Cheapest Car Insurance Companies

For more information, check out our full list of the cheapest car insurance companies.

Average Annual Rates:

  1. USAA: $2,537.30
  2. Geico: $3,215.01
  3. State Farm: $3,260.00
  4. American Family: $3,443.09
  5. Nationwide: $3,450.00
  6. Progressive: $4,035.52
  7. Farmers: $4,194.27
  8. Travelers: $4,434.91
  9. Allstate: $4,887.95

Liberty Mutual car insurance rates are not currently available.