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Nationwide vs. Esurance: Discounts, quotes, and comparison

Nationwide vs. Esurance


Fact checked

Trying to decide between Nationwide and Esurance? It’s time to compare them and pick the best one for you.

Founded in 1926, Nationwide has been around for almost a hundred years. Meanwhile, Esurance is a much younger player in the insurance market, founded in 1999. Though the latter company got in the game fairly recently, it’s gained a lot of traction since its inception. Today, it’s owned by Allstate.

Nationwide and Esurance are mostly neck-and-neck for coverage availability and customer satisfaction. Consider getting quotes from both companies and seeing which discounts you can scoop up.

Our top pick: Esurance

Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.

  • See your online quote in minutes
  • Save with low base rates and discounts up to 40%
  • Easily qualify, even as a high-risk driver
  • Access convenient mobile claims filing




About the provider
About the brand Nationwide is among the nation’s top ten car insurance providers, offering the full range of service and a promise to be “on your side” with stellar service. Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
States served
States served All states except AK, HI, LA, MA All states except AK, DE, HI, MT, NH, VT, WY


Roadside assistance
Roadside assistance Optional Included free
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness Yes No
Rideshare coverage
Rideshare coverage No Yes
SR-22 insurance
SR-22 insurance Yes
Claims methods
Claims methods Online
Payment schedule
Payment schedule 12 months
6 months
12 months


Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount No Yes
Military discount
Military discount No Yes
Multi car discount
Multi car discount No Yes
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes Yes
Safe driver discount
Safe driver discount Yes Yes
Special employment discount
Special employment discount No No
Student discount
Student discount Yes Yes
Usage based discount
Usage based discount Yes, 5-40% No
Learn more
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Bottom line

Nationwide and Esurance cover most, but not all, US states. The former covers 46 states, while the latter covers 40 states. Both companies earn high Better Business Bureau marks, but score middling grades in claims satisfaction.

You may find the biggest difference in discounts offered. Both insurers offer good-student, defensive-driver and good-driver discounts. However, Esurance offers a discount for paying in full; Nationwide doesn’t. Furthermore, Esurance offers vehicle discounts for anti-lock brakes and air bags, while Nationwide doesn’t.

Compare your car insurance options to find the best insurance company for you.

Compare alternatives to Nationwide and Esurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
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AZ, CA, IL, LA, OH, TX, UT and WI
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The AARP Auto Insurance Program from The Hartford
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Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
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This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
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Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

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