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State Farm vs. Nationwide: Which provider is better?

State Farm vs. Nationwide

Our top pick: State Farm

  • Service with a personal feel through dedicated agents
  • Bundle multiple policies or vehicles to save up to 20%
  • No. 1 for personal auto insurance by market share, suggesting satisfied customers
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Nationwide ranks high in customer service, getting an A+ Superior rating from A.M. Best and an A from the Better Business Bureau. The company also offers roadside assistance and provides numerous discounts, making car insurance more affordable.

Like Nationwide, State Farm also gets a “good grade” from the Better Business Bureau – a solid B. As well, State Farm provides its customers ways to save, with its Drive Safe & Save discount and a vehicle safety discount, among others. But the similarities don’t stop there. State Farm too offers roadside assistance.

But with all of these things in common, which one do you choose? We’ve made it easier for you but comparing StateFarm and Nationwide side by side. Check out the pros and cons of each provider below and choose the one that’s right for you.

State Farm

Nationwide

OVERVIEW

OVERVIEW
About the provider
About the brand Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value. Start your policy today at 877-745-0232. 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.
States served
States served All 50 states
All states except AK, HI, LA, MA

COVERAGE

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

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount Yes No
Military discount
Military discount No No
Multi car discount
Multi car discount Yes, Up to 20% No
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes, up to 40% Yes
Safe driver discount
Safe driver discount Yes Yes
Special employment discount
Special employment discount No No
Student discount
Student discount Yes, Up to 25% Yes
Usage based discount
Usage based discount No Yes, 5-40%
Learn more
Learn more

Bottom line

Neither company offers an overwhelming amount of discounts, but both have their pros and cons. If neither one’s right for you, compare car insurance options to find the best policy for you.

Compare alternatives to State Farm and Nationwide

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Savvy
Optional
Depends on provider
Yes
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Liberty Mutual
Optional
30%
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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