Allstate vs. Nationwide: Which Has Cheaper Car Insurance Rates in 2023

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Laura Kuhl

Managing Content Editor

Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. In 2018, she started writing for the cannabis industry. She curated news articles and insider interviews with investors and small business ...

Managing Content Editor

UPDATED: May 26, 2023

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Key Takeaways

  • 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.

Allstate vs. Nationwide Average Monthly Car Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAllstate Average Monthly Car Insurance RatesNationwide 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
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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.

Allstate vs. Nationwide Average Monthly Car Insurance Rates by Driving Record
Driving Record SummaryAllstate Average Monthly Car Insurance RatesNationwide 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
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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.

Allstate vs. Nationwide Average Monthly Car Insurance Rates by Credit History
Credit History SummaryAllstate Average Monthly Car Insurance RatesNationwide 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
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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.

Allstate vs. Nationwide Car Insurance Discounts
Car Insurance DiscountsAllstate Car Insurance SavingsNationwide Car Insurance Savings
Accident Forgiveness30%N/A
Anti-lock Brake Discount10%N/A
Anti-Theft Device Discount10%5%
Defensive Driver Discount20%10%
E-billing Discount10%N/A
Early Quote Discount10%N/A
EV/Hybrid Discount10%N/A
Family DiscountN/A25%
Farm Bureau DiscountN/A10%
Farm Vehicle Discount10%N/A
Good Driver Discount10%10%
Good Payer Discount5%N/A
Good Student Discount10%15%
Low Mileage Discount10%N/A
Multiple Policy Discount10%25%
Multiple Vehicle Discount10%20%
New Car Discount15%N/A
Organization DiscountN/A10%
Paid in full discount10%N/A
Passive Restraint Discount10%N/A
Preferred payment discount5%N/A
Prepay Discount10%N/A
Senior Adult Discount5%N/A
SmartRide discountN/A10%
Student Away at School Discount5%N/A
teenSMART Discount35%N/A
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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.

Allstate vs. Nationwide Company Ratings
AgenciesAllstate RatingsNationwide Ratings
AM BestA+ (Excellent)A+ (Excellent)
Consumer Reports8888
NAIC Complaint Ratio0.5 (163 complaints)0.28 (25 complaints)
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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.

Frequently Asked Questions

Is Allstate or Nationwide generally cheaper for car insurance?

Determining whether Allstate or Nationwide is cheaper for car insurance depends on various factors, including your location, driving history, coverage needs, and the specific discounts offered by each insurance company. Insurance rates can vary significantly from person to person. To find the best rates, it’s recommended to obtain quotes from both Allstate and Nationwide and compare them based on your individual circumstances.

What factors affect the car insurance rates offered by Allstate and Nationwide?

Both Allstate and Nationwide consider similar factors when determining car insurance rates, such as:

  • Your driving record
  • Your age and gender
  • Your location
  • The type of vehicle you drive
  • Your credit history (in some states)
  • The coverage options and deductibles you choose

Does Allstate or Nationwide offer more discounts?

Both Allstate and Nationwide provide a range of discounts to help reduce car insurance costs. The specific discounts offered can vary depending on your location and policy. Common discounts offered by both companies include safe driver discounts, multi-policy discounts, and discounts for certain vehicle safety features. It’s advisable to inquire with each company about the discounts they offer and determine which ones apply to your situation.

Can I switch between Allstate and Nationwide for better rates?

Yes, you have the option to switch between Allstate and Nationwide, or any other insurance company, to potentially obtain better car insurance rates. It’s recommended to compare quotes and coverage options from multiple insurers to ensure you are getting the best value for your needs. However, it’s important to consider other factors beyond just price, such as customer service, claims handling, and overall reputation when making a decision.

Are Allstate and Nationwide the only insurance companies to consider for cheaper rates?

No, Allstate and Nationwide are not the only insurance companies to consider for cheaper rates. Numerous insurance providers operate in the market, each with its own pricing structure and discounts. It’s worthwhile to explore other reputable insurance companies and obtain quotes from them to compare rates and coverage options. Some other well-known insurers include Geico, Progressive, and State Farm.

How often should I compare car insurance rates?

It’s recommended to compare car insurance rates from different providers at least once a year or whenever there are significant changes in your circumstances,

Do Allstate and Nationwide have similar coverage options?

Both Allstate and Nationwide offer a variety of coverage options for car insurance, including liability coverage, comprehensive coverage, collision coverage, and additional optional coverages. However, specific coverage options and limits may vary between the two companies. It’s important to review the policy details and consult with an insurance agent to understand the coverage options available and select the ones that best meet your needs.

Can I negotiate rates with Allstate or Nationwide?

While insurance rates are generally not negotiable, you can work with an insurance agent or representative from Allstate or Nationwide to explore available discounts and determine the best coverage options for your budget. They can help you find applicable discounts and tailor your policy to fit your needs while keeping costs as low as possible within the company’s guidelines.

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