Allstate vs. Nationwide: Which provider is right for you?

Allstate vs. Nationwide: Which provider is right for you?

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Allstate vs. Nationwide

The third-largest auto insurance provider in the US, Allstate receives stellar ratings from Moody’s, S&P, and the Better Business Bureau. They were also recently identified as one of 100 Best Corporate Citizens by Corporate Responsibility magazine. The company serves all 50 states and offers discounts to make your policy more affordable.

Nationwide, like Allstate, ranks high in customer service, getting an A+ Superior rating from A.M. Best. The company also offers affordable car insurance through its numerous discounts, including a good driver discount and a multi-car discount, among others. With so many similarities between Allstate and Nationwide, how do you choose? That’s where finder.com comes in. We line up both companies side by side so you can compare the two and choose the one that best suits your needs.

Allstate car insurance

Allstate

Nationwide

Nationwide

About the provider Allstate was founded in 1931 and aims to deliver quick service to get customers insured and on the road. 16 million households are currently being served by Allstate. In 2016, they were awarded The World’s Most Ethical Company by the Ethisphere Institute. Nationwide is not just an auto insurance company, it is also one of the largest financial services companies in America. Its flexible options and member resources are among a few of the reasons people have chosen Nationwide since 1926.
Price Policy costs depend your personal situation. Visit Allstate for a quote based on your specific needs. Policy costs depend your personal situation. Visit Nationwide for a quote based on your specific needs.
States served All 50 states 46
User satisfaction* A A
J.D. Power ratings** 3/5 on overall claims satisfaction 3/5 on overall claims satisfaction
Driver discounts View driver discounts View driver discounts
Vehicle discounts View vehicle discounts View vehicle discounts

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* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study


Driver discounts

Allstate car insurance

Allstate

Nationwide

Nationwide

Good student Up to 20% (full-time student, under 25). Varies (full-time student, B average or higher, 16 to 24)
Defensive driver Up to 10% — must be at least 55, complete at least 6 hours of defensive driving courses and have no violations or at-fault claims)
Good driver Up to 22% — must have driven for at least 3 years without any violations or accidents. Goes up to 35% after 5 years. Up to 10% (no at-fault accidents and free of major violations for at least 5 years)
Pay in full discount Up to 10%
Multicar
Military
Homeowner
Other discounts

Drivewise – Up to 20% cash back (based on everyday safe driving)

EZ pay plan discount – Up to 5% (automatic withdrawal)

Allstate eSmart discount – Up to 10% (sign up for ePolicy to view all insurance documents online)

Auto/life discount – Varies

Multi policy discount – Up to 10%

Early signing discount – Up to 10% (sign 7 days before policy becomes effective)

Good payer discount – Up to 5% (no cancellation notice for non-payment during the past 12 months)

Senior discount – Up to 10% (55+, not seeking full-time employment)

Safe drivers discount – Up to 45%

TeenSMART discount – Up to 10%

Multi policy discount – Up to 20%

SmartRide discount – 5-40% (usage based discount using plug-in device)

Nationwide Family Plan – Up to 25%

Easy-Pay sign-up discount

Affinity car insurance discounts – For members of partner business or organization

Paperless documents discount – Varies


Vehicle discounts

Allstate car insurance

Allstate

Nationwide

Nationwide

Anti-theft device Up to 10 Varies (factory-installed deterrents)
Anti-lock brake 10%
Passive restraints Up to 30% N/A
Air bag
Other discounts

New car – Up to 30% (First owner, car under 2 years old)

Economy car – Up to 10%

Utility discount – Up to 15% (Utility vehicle with a model year of 2002 or prior)

Farm vehicle – Up to 10%

Bottom line

Allstate is the clear winner when comparing discounts. But if those discounts don’t apply to you, then there are no real cost savings for you. Keep your personal situation in mind when weighing the pros and cons, and you’ll make the right decision.

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