Nationwide vs. Esurance: Discounts, quotes, and comparison

Nationwide vs. Esurance: Discounts, quotes, and comparison

Nationwide vs. Esurance

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.

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NationwideNationwideesuranceEsurance
AboutNationwide 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.Esurance, the online insurance company, is making it’s name known in the car insurance world, offering affordable coverage for just about any of your vehicles. It takes pride in a hassle-free experience and customers respect its low rates and excellent customer service.
PricePolicy costs depend your personal situation. Visit Nationwide for a quote based on your specific needs.Policy costs depend your personal situation. Visit Esurance for a quote based on your specific needs.
States served4643
User satisfaction*AA+
J.D. Power ratings**3/5 on overall claims satisfaction3/5 on overall claims satisfaction
Driver discountsView driver discounts
Vehicle discountsView 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

NationwideNationwideesuranceEsurance
Good studentVaries (full-time student, B average or higher, 16 to 24)Up to 10% (full time student, under the age of 25 and a 3.0 GPA)
Defensive driverYesUp to 10% (minimum age 50, 55 or 60, depending on state residence and completed a defensive driving course)
Good driverUp to 10% (no at-fault accidents and free of major violations for at least 5 years)30-40% (driving for 3 years with 0-1 points on your driving record)
Pay in full discountNoYes
Multi carNoYes
MilitaryNoNo
HomeownerNoYes
Other discounts
  • 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

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Vehicle discounts

NationwideNationwideesuranceEsurance
Anti-theft deviceVaries (factory-installed deterrents)5-25%
Anti-lock brakeNo5%
Passive restraintsN/A2-33%
Air bagNoYes
Other discounts
  • New vehicle discount

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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.

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