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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 nine 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.

Allstate vs. Nationwide: Pros & Cons

Allstate

    • Customers are satisfied with ease of filing a claim

    • Good customer service

    • Several discounts available for students

    • Good 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 lower overall value than Allstate customers

Allstate vs. Nationwide Customer Satisfaction

The Best Car Insurance Companies in 2020

Our Car Insurance Ranking

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

Read more about the Best Car Insurance Companies »

Allstate Auto Insurance Rating

Rating: 4.10/5

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 ranking 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, some customers who filed a claim said that Allstate should have communicated better during the process and that the representatives were difficult to work with. Allstate has high study rates compared to most major rivals, but customers say they perceive Allstate as a good value, as compared to respondents who evaluated most rival companies. Here, we’ll focus on how Allstate compares to just one rival, Nationwide.

Read more in our Allstate Review »

Nationwide Auto Insurance Rating

Rating: 3.90/5

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 claim resolution. However, Nationwide is perceived as having a low overall value, and some respondents were not happy with status updates received during the claims process. These factors keep Nationwide out of the top five in our insurance company rankings. Here, we’ll examine how Nationwide compares to Allstate.

Read more in our Nationwide Review »

How We Did This Comparison

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our rankings in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Best Car Insurance Rankings. 

We surveyed 2,732 consumers who filed a car insurance claim in the last five years, asking questions about their car insurance company. Of the survey respondents, 166 filed a claim with Allstate and 62 filed a claim with Nationwide. 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 Rankings and this head-to-head comparison.

Our Study Rates

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To get comparative insurance rates for this study, U.S. News also worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage ranging from 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 of certain driver archetypes. 

To get the study rates shown here, we computed the mean rate for male and female drivers aged 25, 35, and 60 who drive 12,000 miles per year and have medium coverage, good credit, and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

Allstate and Nationwide Car Insurance: Which Is Cheapest?

In our analysis, Nationwide has a lower average representative rate than Allstate. Nationwide’s national average car insurance rate in our study is $1,864, which is only slightly cheaper per year than Allstate’s national average of $1,880. Both of these rates are higher than the nationwide average rate of $1,416 determined by the study.

Though head-to-head comparison looks mainly at cost, there is more to figuring out which of any two car insurance companies is the better choice for you. In our ranking of the Best Car Insurance Companies in 2020, Allstate takes the number 3 spot, while Nationwide comes in at number 8, out of the nine companies ranked. That means Allstate is probably the better choice overall for most consumers, even if it is slightly more expensive, on average. 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.

The Cheapest Car Insurance Companies in 2020

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Read more about the Cheapest Car Insurance Companies »

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

 

25-year-old male

35-year-old male

60-year-old male

Allstate

$2,097

$1,838

$1,763

Nationwide

$2,314

$1,774

$1,649

We’re going to see the representative rates male customer profiles pay to Allstate and Nationwide in three age groups: 25-, 35-, and 60-years old.

For two of the three groups, Nationwide has lower study rates. Twenty-five-year-old male profiles can expect to pay $2,314 with Nationwide and $2,097, or about 9% less, with Allstate. These rates are both higher than the nationwide average for this profile, at $1,669. Nationwide’s 35-year-old male customer profiles pay an average representative rate of $1,774, while Allstate customer profiles of the same age pay $1,838, or about 4% more. The nationwide average for this group is again lower, at $1,368. Finally, the 60-year-old male driver profiles can expect to pay $1,649 with Nationwide and $1,763, or about 7% more, with Allstate. For this profile, the study found the national average to be $1,267. 

To find the average rates in our study based on gender and age, we created driver profiles for males in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

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

 

25-year-old female

35-year-old female

60-year-old female

Allstate

$2,012

$1,854

$1,717

Nationwide

$2,157

$1,754

$1,535

Here, we’re going to look at rates for those same age groups but for female auto insurance customer profiles. Again, Nationwide’s rates are lower than Allstate’s for two of the three profiles. Nationwide’s average representative rate for the 25-year-old female profile is $2,157, and Allstate’s study rate of $2,012 saves about 7%. Nationwide’s study rate goes down to $1,754 for 35-year-old profiles, saving about 7% over Allstate’s representative rate, which drops to $1,854. When customer profiles of both companies reach 60 years old, they can expect another break. Nationwide’s average study rate for this age group is $1,535, while Allstate’s is about 12% more at $1,717.

We created driver profiles for females in each of the following ages: 25 years, 35 years, and 60 years. The profiles have a clean driving record, 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

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

 

12,000 miles annually

Allstate

$1,880

Nationwide

$1,864

Depending on the insurance company you use, you could pay different rates depending on how much you drive. In general, driver profiles who drive more are better off with Nationwide, which has an average study rate of $1,864. This rate lands Nationwide as one of the more expensive auto insurance companies in the study for this profile. Allstate’s study rate of $1,880 is the most expensive for this driver profile. For comparison, Allstate’s average representative rate shown here is about 25% higher than the study’s nationwide average rate of $1,416.

To find the average rates in our study based on annual mileage, we created driver profiles for customers who drove 12,000 miles per year. The profiles have a clean driving record, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

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

 

6,000 miles annually

Allstate

$1,836

Nationwide

$1,849

Will you save any money on car insurance if you cut your annual mileage in half? Here, Nationwide’s average study rate for our driver profiles comes in at $1,849, which is not much less than the representative rate for higher-mileage customer profiles. Allstate’s study rate, $1,836, 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, especially since you could probably save much more money by switching companies. For this group, Nationwide’s average representative rate is the highest in the study, at an increase of about 26% over the study’s average rate of $1,371 for this profile.

To find the average rates in our study based on annual mileage, we created driver profiles for customers who drove 6,000 miles per year. The profiles also have a clean driving record, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

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

 

Good credit

Allstate

$1,901

Nationwide

$1,847

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 study rate for the driver profile with good credit is $1,847, while Allstate’s average is $1,901. Allstate's representative rate for this profile is the most expensive among the auto insurers in our analysis, and Nationwide is the second-most expensive. Allstate, the higher of the two, is about 26% more than the study average rate of $1,401.

Our study reviewed the effects of credit score on car insurance rates using male and female driver profiles aged 25 years, 35 years, and 60 years. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a medium level of insurance coverage, and 12,000 miles of annual driving. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis.

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

 

Poor credit

Allstate

$3,025

Nationwide

$2,549

A 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 customer profiles with subpar credit. Nationwide has a national average study rate of $2,549. Allstate, on the other hand, has the highest representative rate for the driver profile with poor credit. Allstate charges these customer profiles an average of $3,025, or about 22% above the study’s average rate of $2,353. To further illustrate how much credit score can impact car insurance rates, Allstate’s increase from the good to poor average representative rates is 59%, and Nationwide’s is 38%.

To compare the effects of credit score on car insurance rates, we used male and female driver profiles aged 25 years, 35 years, and 60 years. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a medium level of insurance coverage, and 12,000 miles of annual mileage. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis.

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

 

Clean record

Allstate

$1,880

Nationwide

$1,864

Consumer profiles who have maintained a clean driving record pay less with Nationwide than with Allstate. Nationwide’s national average study rate for good driver profiles is $1,864, while Allstate’s representative rate is $1,880. Again, compared to the other companies in our survey, both companies have study rates higher than the national average, $1,416, for this driver profile.

We compared driver profiles including those with a clean record, those with one speeding violation, those with one accident, and those with one instance of driving under the influence (DUI). These driving record representative profiles included 25-, 35-, and 60-year-old males and females with 12,000 miles of driving per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

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

 

With 1 speeding violation

Allstate

$2,212

Nationwide

$2,263

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 study rates for driver profiles 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 driver profiles with a single speeding violation, Allstate is a better choice than Nationwide. Nationwide’s average study rate is $2,263, the highest in the study for this profile and a 21% increase over Nationwide’s rate for the clean driving record profile. Allstate charges an average rate in our analysis of $2,212 to this representative profile, which represents an increase of about 17% over the profile with a clean driving record. Nationwide’s high represents an increase of about 24% over the study average of $1,724.

To analyze these rates, we particularly looked at driver profiles with one speeding violation. These driving record representative profiles included 25-, 35-, and 60-year-old males and females with 12,000 miles of driving per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

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

 

With 1 accident

Allstate

$2,673

Nationwide

$2,766

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Accidents can make your auto insurance rates skyrocket. After an accident, the average car insurance customer profile is better off with Allstate, though these companies have the two highest representative rates in the study for this profile. Nationwide’s average rate in our study for customer profiles with a single accident on their record is $2,766, an increase of 48% over the rate for the clean driving record profile. Allstate customer profiles pay an average of $2,673, or an increase of 42% over the profile with the clean driving record. Nationwide’s rate, the study’s highest, is about 27% more than the study average of $2,028.

We analyzed driver profiles with one accident to find these average rates. These driving record representative profiles included 25-, 35-, and 60-year-old males and females with 12,000 miles of driving per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

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

 

With 1 DUI

Allstate

$3,252

Nationwide

$4,011

No one should be surprised that car insurance rates go up after a DUI. Our driving profiles with a conviction for driving under the influence, or DUI, on their record are better off with Allstate than with Nationwide. The national average study rate for Nationwide customer profiles with a DUI is $4,011, an increase of 115% over the clean driving record profile rate. The profiles insured with Allstate pay a national average representative rate of $3,252, an increase of 73% over the clean driving record profile rate. Among the auto insurance companies in the study, Nationwide has the highest average study rate, and Allstate has the second highest. Nationwide’s average representative rate is about 39% more than the study’s average rate of $2,464 for this group.

We compared driver profiles with one instance of driving under the influence (DUI) to arrive at these average rates in our study. These driving record representative profiles included 25-, 35-, and 60-year-old males and females with 12,000 miles of mileage per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

The Best Car Insurance Companies in 2020

Our Car Insurance Ranking

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

The Cheapest Car Insurance Companies in 2020

Average Annual Rates:

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