Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.

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 and Nationwide Car Insurance Rates

In our analysis, Nationwide has a lower average representative rate than Allstate. Nationwide’s national average car insurance rate in our study is $1,530, which is about $150 cheaper per year than Allstate’s national average of $1,778. 

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.

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 ranking 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 2,799 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.

Our Study Rates

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 state-wide study rates shown here, we computed the mean rate for male and female drivers ages 24, 35 and 60 who drive 15,000 miles per year, 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 vs. Geico: Pros & Cons

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

Geico

  • 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 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 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, 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 study rates compared to most major rivals. Here, we’ll focus on how Allstate compares to just one rival, Nationwide.

Read more in our Allstate Review »

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.

Read more in our Nationwide Review »

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

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 all three groups, Nationwide has the lowest study rates by a substantial margin. Twenty-five-year-old male profiles can expect to pay $1,878 with Nationwide and $1,991 with Allstate. Nationwide’s 35-year-old male customer profiles pay an average representative rate of $1,484, while Allstate customer profiles of the same age pay $1,742. Finally, the 60-year-old male driver profiles can expect to pay $1,352 with Nationwide and $1,676 with Allstate. Across the board, sticking with Nationwide can result in significant savings.

To determine whether Allstate or Nationwide offers lower rates to male drivers, 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 driving up to 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.

Company

Single 25-year-old male

Married 35-year-old male

Married 60-year-old male

Allstate

$1,991.16

$1,742.19

$1,676.41

Nationwide

$1,877.87

$1,483.70

$1,351.75

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

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

Nationwide’s average representative rate for the 25-year-old female profile is $1,715, and Allstate’s study rate of $1,908 is considerably higher. Nationwide’s study rate goes down to $1,463 for 35-year-old profiles, while Allstate’s drops to $1,760. 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 $1,286, while Allstate’s is $1,630.

We used driver profiles in the ages of 25, 35, and 60 to find out if Nationwide or Allstate offers lower rates to female driver profiles. The profiles have a clean driving record, insurance coverage for driving up to 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.

Company

Single 25-year-old female

Married 35-year-old female

Married 60-year-old female

Allstate

$1,908.47

$1,760.38

$1,629.81

Nationwide

$1,715.26

$1,463.04

$1,285.84

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

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 charges an average study rate of $1,519. This rate lands Nationwide as one of the more expensive auto insurance companies in the study for this profile. Allstate’s study rate of $1,778 is the most expensive. 

We created driver profiles with high annual mileage (12,000 per year) to compare car insurance rates through Nationwide and Allstate. The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, a good credit score, and a clean driving record. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

12,000 miles annually

Allstate

$1,777.66

Nationwide

$1,519.02

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

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 $1,520, which is not much less than the representative rate for higher-mileage customer profiles. Allstate’s study rate, $1,735, 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. This is particularly true because Allstate is once again the most expensive company in our study for this driver profile.

We analyzed the different representative rates charged by Allstate and Nationwide to driver profiles with low mileage (only 6,000 per year).The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, a good credit score, and a clean driving record. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

6,000 miles annually

Allstate

$1,735.00

Nationwide

$1,519.02

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

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 $1,513, while Allstate’s average is $1,793. 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.

Our study checked rates through Nationwide and Allstate using driver profiles with good credit. The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, and a clean driving record. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

Good Credit

Allstate

$1,792.73

Nationwide

$1,512.87

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

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 $2,090, which is below the national average for this profile in our analysis. 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 $3,011.

To verify that a bad credit can impact car insurance rates, we created driver profiles insured through Allstate and Nationwide with a poor credit score. The profiles were based on 25-, 35-, and 60-year-old males and females with 12,000 miles of driving per year, a clean driving history, and a medium level of insurance coverage. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

Poor Credit

Allstate

$3,011.20

Nationwide

$2,090.27

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

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 $1,530, while Allstate’s representative rate is considerably higher, at $1,778. Again, compared to the other companies in our survey, both companies have study rates higher than the national average for this driver profile.

Our study compared rates through Nationwide and Allstate to find out which insurer has better rates for driving profiles with a clean record. These driving record representative profiles were based on 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.

Company

Clean record

Allstate

$1,777.66

Nationwide

$1,529.58

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

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, Nationwide is a better choice than Allstate. Nationwide’s average study rate is $1,838, while Allstate charges an average rate in our analysis of $2,079 to this representative profile. 

We also tested our driving profiles to check rates following a speeding ticket. These driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles have 12,000 miles of driving 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.

Company

With 1 speeding violation

Allstate

$2,079.37

Nationwide

$1,838.34

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

Accidents can make your auto insurance rates skyrocket. After an accident, the average car insurance customer profile is much better off with Nationwide. Nationwide’s average rate in our study for customer profiles with a single accident on their record is $2,152, while Allstate customer profiles pay an average of $2,514. 

To compare the rates offered by Allstate and Nationwide to driving profiles with an accident on their driving history, we used male and female profiles in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for driving up to 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.

Company

With 1 accident

Allstate

$2,514.37

Nationwide

$2,151.85

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

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. This is the only demographic profile in our analysis that has lower study rates with Allstate than Nationwide. The national average study rate for Nationwide customer profiles with a DUI is $3,151, while the profiles insured with Allstate pay a national average representative rate of $2,991. Among the auto insurance companies in the study, Nationwide has the highest average study rate, and Allstate has the second highest.

We analyzed car insurance rates for a driver profiles with a DUI. These profiles were males and females aged 25-, 35-, and 60-years old. They had a good credit score, a medium level of insurance coverage, and 12,000 miles of driving per year. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis.

Company

With 1 DUI

Allstate

$2,990.62

Nationwide

$3,151.30

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: