Allstate vs. Nationwide: Which Has Cheaper Car Insurance Rates in 2023
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UPDATED: Mar 14, 2023
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- Both Allstate and Nationwide have stable financial strength, high customer satisfaction, and low complaint ratios
- Nationwide has lower car insurance rates for teen drivers
- Allstate has more car insurance discounts, including 35 percent for using teenSMART
- Nationwide has lower car insurance rates for having a bad driving record
- Allstate has higher car insurance rates overall
We need to take every opportunity to save money, and car insurance is no exception. It’s a flooded market, and you’ve done some research, but now you’re down to the remaining two: Allstate vs. Nationwide car insurance companies.
Which company will provide the best and cheapest car insurance for you?
Allstate and Nationwide are two of the top 10 best car insurance companies, but how do they compare when it comes to rates, discounts, consumer satisfaction and complaints, mobile apps, and financial strength?
Keep reading to compare Allstate vs. Nationwide car insurance, or enter your ZIP code to start comparing affordable car insurance quotes in your local area.
Is Allstate or Nationwide car insurance cheaper based on age?
Determining whether to buy Allstate vs. Nationwide car insurance quotes depends on a variety of factors.
It’s completely fair for car insurance companies to base rates on your age. After all, the more experience driving we have, the better drivers we become. Some states will also base your car insurance rates on gender and/or marital status, though several states have outlawed this practice.
|Age, Gender, and Marital Status||Allstate Average Monthly Car Insurance Rates||Nationwide Average Monthly Car Insurance Rates|
|Single 17-year-old female||$774||$480|
|Single 17-year-old male||$887||$598|
|Single 25-year-old female||$285||$224|
|Single 25-year-old male||$298||$241|
|Married 35-year-old female||$263||$197|
|Married 35-year-old male||$260||$199|
|Married 60-year-old female||$243||$178|
|Married 60-year-old male||$249||$185|
For those 25 and older, Nationwide car insurance rates are an average of 23 percent cheaper than Allstate car insurance rates.
Nationwide is a good choice if you have a teen driver. You can save up to 35 percent by insuring your teen driver through Nationwide rather than Allstate.
Is Allstate or Nationwide car insurance cheaper based on driving record?
Speeding tickets, accidents, DUIs, and other traffic violations will increase your Allstate and Nationwide car insurance rates.
|Driving Record Summary||Allstate Average Monthly Car Insurance Rates||Nationwide Average Monthly Car Insurance Rates|
|Clean Driving Record||$318||$229|
|With One Speeding Violation||$374||$259|
|With One Accident||$416||$283|
|With One DUI||$522||$379|
Nationwide is generally more forgiving than Allstate when it comes to traffic violations. Allstate car insurance rates increase by 5 to 7 percent more than Nationwide car insurance rates when you get a speeding ticket or cause an accident.
If you have a speeding ticket or accident on your driving record, Nationwide is the best choice.
However, both companies take DUIs very seriously. Both Allstate car insurance rates with a DUI and Nationwide car insurance rates with a DUI are 65 percent higher than for someone with a clean driving record.
Is Allstate or Nationwide car insurance cheaper based on credit score?
Just like gender and marital status, more states are outlawing car insurance rates based on credit score.
Your credit score is a strong reflection of your consistency with paying your bills, but the reason it is being outlawed is that rates quoted by insurance companies assume those with higher credit scores are better drivers.
|Credit History Summary||Allstate Average Monthly Car Insurance Rates||Nationwide Average Monthly Car Insurance Rates|
|Good Credit (670-739)||$322||$244|
|Fair Credit Score (580-669)||$382||$271|
|Poor Credit Score (300-579)||$541||$340|
Where you live is the biggest factor in determining your car insurance rates because of state laws.
Be sure to check out our car insurance by state page before judging affordable Allstate vs. Nationwide car insurance rates based on credit score alone.
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Does Allstate or Nationwide have better car insurance discounts?
Each company has its selling point, and sometimes that comes down to who has the best discount that applies to your specific situation.
|Car Insurance Discounts||Allstate Car Insurance Savings||Nationwide Car Insurance Savings|
|Anti-lock Brake Discount||10%||N/A|
|Anti-Theft Device Discount||10%||5%|
|Defensive Driver Discount||20%||10%|
|Early Quote Discount||10%||N/A|
|Farm Bureau Discount||N/A||10%|
|Farm Vehicle Discount||10%||N/A|
|Good Driver Discount||10%||10%|
|Good Payer Discount||5%||N/A|
|Good Student Discount||10%||15%|
|Low Mileage Discount||10%||N/A|
|Multiple Policy Discount||10%||25%|
|Multiple Vehicle Discount||10%||20%|
|New Car Discount||15%||N/A|
|Paid in full discount||10%||N/A|
|Passive Restraint Discount||10%||N/A|
|Preferred payment discount||5%||N/A|
|Senior Adult Discount||5%||N/A|
|Student Away at School Discount||5%||N/A|
Allstate has 22 car insurance discounts, and Nationwide has only 10 discounts.
Nationwide’s top four discounts all have to do with multiple policies and cars and are all targeted at families.
Allstate does offer a 35 percent teenSMART discount.
Allstate also has larger discounts for accident forgiveness and taking defensive driving courses.
So, Allstate could potentially have rates closer to Nationwide, but that all depends on your personal situation and how many discounts each company will allow you to use.
Be sure to inquire about bundling options for even more discounts such as bundling an Allstate vs Nationwide home insurance policy with your car insurance policy.
Does Allstate or Nationwide have better car insurance mobile apps?
Most of the top 10 car insurance companies have mobile apps to access policy information and/or make payments and a separate mobile app that tracks your driving habits (usage-based car insurance).
How does Allstate and Nationwide car insurance compare in financial strength and customer satisfaction?
Reviewing ratings from three different agencies will provide you with a good picture of how a car insurance company works with its consumers, handles complaints, and its overall financial strength.
A.M. Best scores companies based on their ability to meet ongoing insurance obligations such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.
Consumer Reports collects annual data from its subscribers regarding customer satisfaction of the claims process, step by step. In their 2017 survey, 27 insurance companies were rated, and scores ranged between 86 to 96.
And the National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers against the total number of complaints. In 2017, the national average complaint ratio was 1. The lower the ratio, the better.
|Agencies||Allstate Ratings||Nationwide Ratings|
|AM Best||A+ (Excellent)||A+ (Excellent)|
|NAIC Complaint Ratio||0.5 (163 complaints)||0.28 (25 complaints)|
Both Allstate and Nationwide are highly competitive based on customer feedback and ratings from accredited financial agencies, and their websites offer an easy way to compare Allstate vs. Nationwide car insurance rates.
When you’re unsure which company to choose, you can always use our FREE comparison tool to compare car insurance rates among companies in your area.
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