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Shopping for car insurance is a confusing process, and insurance companies are in no hurry to help you simplify it. Auto insurance rates are based on a number of variables, some of which you can control and some of which you can’t. We’re comparing Nationwide and State Farm to help you figure out which car insurance company is a better fit for you.

Nationwide vs. State Farm: Which Is Cheaper?

Based on their national average rates, State Farm is a better bet than Nationwide for most consumers. State Farm has a national average rate of $3,260, which represents some savings compared to Nationwide’s national average car insurance rate of $3,450. These rates are pretty close and on the low side for the industry, and both companies fare well when compared to their eight major rivals. USAA and Geico are the only two insurers on our top-10 list with lower national average rates than State Farm. In our overall ranking of the cheapest insurance companies, State Farm lands in the third spot, with Nationwide a few spots behind.

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.

Nationwide

  • Great customer service
  • Good claims communication and resolution
  • Lower rates for teens
  • Midpack ranking among biggest auto insurers
  • Low overall value
  • More expensive overall

State Farm

  • Very high overall satisfaction
  • High overall ranking among biggest auto insurers
  • Generally low rates
  • Poor communication during claims process
  • Higher rates for teens
  • Higher rates for customers with poor credit

Nationwide Auto Insurance Information

Nationwide, which is based in Columbus, Ohio, is one of the largest insurance companies in the world. In addition to insurance products, Nationwide provides financial services such as annuities, mutual funds, pensions, and mortgages. Nationwide has more than $158 billion in statutory assets.

In our overall ranking of the largest auto insurance companies, Nationwide finishes in the middle of the pack. According to respondents’ answers in individual survey questions, customer service is among Nationwide’s biggest strengths. Nationwide's customers were also satisfied with the ease of filing a claim, communication during the claims process, and claim resolution. Most complaints about Nationwide came from customers who weren't satisfied with the value of their insurance policies.

State Farm Auto Insurance Information

State Farm, which was founded in 1922, is fast approaching its 100th anniversary of providing car insurance. In 1944, the company celebrated its millionth auto insurance policy and has since added more types of insurance to its offerings.

According to survey respondents, State Farm is a good insurance company. State Farm earned high scores for overall customer satisfaction. Customers also reported generally good experiences with filing claims, claim resolution, and customer service. On the negative side, State Farm customers felt they would benefit from better communication during the claims process and that overall value could be better.

Nationwide and State Farm Car Insurance: Which Is Cheapest for Teens?

Company

Single 17-year-old female

Single 17-year-old male

Nationwide

$5,756.37

$7,175.31

State Farm

$5,953.88

$7,324.34

No matter what car insurance company you use, you’ll likely find that teens pay the highest rates. Nationwide and State Farm are no exception.

Nationwide is less expensive than State Farm for both teen boys and teen girls. Teen boys who use Nationwide can expect to pay about $7,175, and those who go with State Farm should expect an average rate of $7,324. For teen girls, Nationwide charges an average national rate of $5,756, while State Farm charges an average rate of $5,954.

To help you save some money on car insurance for your teens, try to take advantage of any available discounts. Nationwide offers a discount to students who maintain at least a B average. State Farm offers an app-based safe driving course for customers under age 25 who maintain a clean driving record, and savings of up to 25 percent for good grades.

Nationwide and State Farm Car Insurance: Which Is Cheapest for Men?

Company

Single 25-year-old male

Married 35-year-old male

Married 60-year-old male

Nationwide

$2,889.04

$2,387.43

$2,214.62

State Farm

$2,554.56

$2,081.72

$1,873.89

Age and gender play major roles in setting car insurance rates. In general, rates go down as drivers get older and more experienced, though there are sometimes exceptions to that rule. As part of our Nationwide and State Farm comparison, we’re going to look at cost data to see what these companies charge for men in three age groups: 25, 35, and 60.

State Farm has lower rates than Nationwide in all three groups, with differences ranging from just over $200 to about $450. Let’s start with 25-year-old men, who pay an average of $2,555 with State Farm and $2,889 with Nationwide. For 35-year-old men, State Farm charges a nationwide average rate of $2,082, while Nationwide’s average rate is $2,387. Next up is 60-year-old men, who can expect to pay about $1,874 with State Farm and $2,215 with Nationwide.

Nationwide and State Farm Car Insurance: Which Is Cheapest for Women?

Company

Single 25-year-old female

Married 35-year-old female

Married 60-year-old female

Nationwide

$2,686.48

$2,360.49

$2,130.26

State Farm

$2,335.96

$2,081.72

$1,873.89

Next, we're going to look at rates for female drivers in three different age groups: 25, 35, and 60. State Farm has lower rates than Nationwide in all three groups by about a few hundred dollars.

State Farm’s average rate for 25-year-old women comes in at $2,336, while Nationwide’s average for that group is $2,686. Nationwide charges more for men than for women in all three age groups. With both companies, the rates go down when women reach age 35. State Farm charges an average of $2,082 to 35-year-olds, while Nationwide’s rate for this group is $2,360. When women turn 60, they see another drop in rates: State Farm charges $1,874 for this group, and Nationwide charges $2,130.

It’s worth noting that State Farm’s national average rates are the same for men and women in the 35- and 60-year-old age groups, though there’s a difference for men and women in the 25-year-old age group, with men paying more.

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

Company

12,000 miles annually

Nationwide

$3,462.67

State Farm

$3,344.01

Many car insurance companies consider how many miles you drive in a year when they calculate your rates. We looked at average nationwide rates for high-mileage drivers, defined as someone who drives 12,000 miles annually, and low-mileage drivers, defined as those who travel 6,000 miles a year. First, let’s take a look at what you can expect from Nationwide and State Farm for high mileage. Most drivers in this category will be better off with State Farm, which has a nationwide average of $3,344. Nationwide comes in a little higher with an average of $3,463. Only USAA and Geico are cheaper than these two companies for drivers who rack up 12,000 miles a year.

Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.

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

Company

6,000 miles annually

Nationwide

$3,437.33

State Farm

$3,175.98

Next, let’s take a look at rates from Nationwide and State Farm for customers who drive 6,000 miles a year. State Farm again has an advantage thanks to its lower nationwide average of $3,176. Nationwide’s average rate comes in at $3,437. You might be surprised to find that for both companies, low-mileage drivers don’t save much compared to high-mileage drivers, but the difference is still worth considering if you’re shopping for car insurance. Again, USAA and Geico lead the pack ahead of State Farm, and in this group, American Family slips in with a slightly lower rate than Nationwide.

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

Company

Good Credit

Nationwide

$2,925.94

State Farm

$2,174.26

Consumers may be surprised to learn that their credit score and credit history play a role in auto insurance pricing. It's hard to figure out exactly how much your credit score affects your rates, but the data from our survey shed some light on the situation. Auto insurance shoppers who have good credit are better off with State Farm than with Nationwide. State Farm’s average national rate for this group is $2,174, while Nationwide’s national average rate for this group comes in at $2,926. USAA is the only insurance company in our survey with lower rates for this group than State Farm, while Geico and American Family both slip in with lower rates than Nationwide.

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

Company

Poor Credit

Nationwide

$4,083.29

State Farm

$4,951.20

On the other end of the spectrum are customers with poor credit. Most car insurance companies charge higher rates for customers with poor credit because they are perceived as a higher risk. Customers with poor credit should consider Nationwide. With a national average rate of $4,083 for this group, Nationwide is the second lowest of the major auto insurance companies, coming in behind USAA. State Farm’s average national rate of $4,951 comes in on the higher side. Only three rival insurance companies have higher rates for this group.

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

Company

Clean record

Nationwide

$2,746.18

State Farm

$2,821.18

Drivers with a clean record should expect to pay less with Nationwide than with State Farm. Nationwide’s national average for good drivers is $2,746, while State Farm’s comes in at $2,821. Though you can do better than Nationwide and State Farm, you could also do much worse. USAA and Geico have the lowest average rates for this group, and American Family undercuts Nationwide by about $50. The remaining rivals cost at least several hundred dollars more.

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

Company

With 1 speeding violation

Nationwide

$3,113.68

State Farm

$3,186.01

Getting a speeding ticket is expensive in more ways than one. Once you’ve paid the fines, your car insurance is likely to go up. Nationwide, with an average national rate of $3,114, is the cheaper of these two companies for drivers with a speeding ticket on their record. You’ll pay a little more with State Farm, which has an average national rate of $3,186. These are some of the better rates out there for drivers with a speeding ticket. American Family is a little cheaper than these two, but USAA and Geico are both much less expensive than Nationwide and State Farm. The remaining five insurers in our survey have much higher national average rates for this group.

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

Company

With 1 accident

Nationwide

$3,396.95

State Farm

$3,396.01

For consumers with a single accident on their driving record, State Farm is the less expensive of these two insurance companies, but by less than a dollar. State Farm’s average national rate for customers with one accident is $3,396.01, while Nationwide’s average rate is $3,396.95. Both rates are among the best for this group. Only two other companies, USAA and Geico, have lower average nationwide rates for drivers with one accident on their record.

Nationwide and State Farm Car Insurance: Which Is Cheapest after a DUI?

Company

With 1 DUI

Nationwide

$4,543.20

State Farm

$3,636.80

Customers who have a single instance of driving under the influence, or DUI, on their record should check out State Farm before Nationwide. State Farm has an average national rate of $3,637 for these drivers, while the average rate for Nationwide is $4,543. Compared with the other insurance companies in our survey, State Farm has one of the lowest rates for drivers with a DUI. Nationwide’s average rate ranks roughly in the middle of the group.

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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 Nationwide, State Farm, 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.