Allstate vs. Nationwide: Which offers the cheapest auto insurance rates?

Allstate vs. Nationwide: Which one is the cheapest?

Nationwide costs an average of $532 annually for state minimum coverage, while Nationwide has average state minimum rates of $700 a year.

For full coverage with 100/300/100 liability limits and $500 deductibles for comprehensive and collision coverage, Nationwide costs $1,548 per year. Allstate charges more, with an average cost of $2,509 annually.

It's always smart to shop around and compare quotes, since prices and coverage can vary by state and depend on your personal situation.

Company	Average annual rate for full coverage	Average annual rate for state minimum coverage	Average annual premium for liability-only (50/100/50) car insurance
Allstate	$2,509	$700	$854
Nationwide	$1,548	$532	$651

Allstate vs. Nationwide: Rates by age group

Teen drivers pay the highest car insurance rates. Nationwide offers the cheapest car insurance rates for teen drivers at $5,285 per year. On the other hand, Allstate offers car insurance rates at an average of $7,437 annually.

Age plays a big role in calculating insurance rates. Companies use data on speeding, accidents, and distracted driving. Teen drivers are one of the riskiest and the most expensive age groups to insure. Rates drop as you get older.

For example, adults pay an average of $1,533 a year at Nationwide, while car insurance for adults at Allstate costs $2,509 per year.

Age group	Allstate	Nationwide
Teens	$7,437	$5,285
Young adults	$3,754	$2,556
Adults	$2,509	$1,533
Seniors	$2,477	$1,456

Allstate vs. Nationwide: Rates for high-risk drivers

Nationwide has the best rates for high-risk drivers. A high-risk driver is someone who has multiple speeding tickets, accidents or a serious offense like a DUI on their record. This can make it a challenge to find affordable auto insurance.

For the drivers with DUI, Nationwide is cheaper, with average rates of $3,627.

Take a look at the table below for Allstate rates compared to Nationwide rates.

Type of violation	Allstate	Nationwide
1 At-fault property damage accident over $2K	$4,135	$2,537
1 At-fault property damage accident under $2K	$4,031	$2,481
At-fault bodily injury accident	$4,282	$2,673
Careless driving	$2,954	$2,203
DUI	$4,884	$3,627
Reckless driving	$4,601	$3,221
Speeding	$2,965	$2,347

Allstate vs. Nationwide: Which is better rated?

When choosing an insurance company, it's important to consider more than just price. Customer service, claims processing and a good online experience also matter. Check out the table below to see how Allstate and Nationwide ranked among the best car insurance companies of 2025.

Overall, Allstate received a score of 3.78, while Nationwide scored 4.33.

Ratings	Allstate	Nationwide
NAIC	0.65	0.64
AM Best	A+	A
Average annual premium	$2,508	$1,548
Average monthly premium	$209	$129
Customer Satisfaction	4.0	4.1
Insurance.com score	3.8	4.3

Allstate vs. Nationwide: Rates in your state

Insurance rates change from state to state. Companies look at data from your ZIP code such as weather, crime, and traffic to figure out the risk. The table below shows where you'll find the lowest rates for Allstate and Nationwide. Always compare multiple quotes, since your location, driving record, and personal details will affect your final price.

State	Allstate	Nationwide
Alabama	$2,178	$1,345
Alaska	$2,114	N/A
Arizona	$2,215	$1,726
Arkansas	$2,729	$1,503
California	$2,627	$2,799
Colorado	$2,774	N/A
Connecticut	$2,195	$1,766
Delaware	$3,631	$1,498
Florida	$3,569	$2,150
Georgia	$2,014	N/A
Hawaii	$1,882	N/A
Idaho	$1,945	$1,505
Illinois	$2,742	N/A
Indiana	$2,324	$1,309
Iowa	$2,126	N/A
Kansas	$2,968	$1,316
Kentucky	$3,127	N/A
Maine	$1,147	N/A
Maryland	$3,108	$1,363
Massachusetts	$2,694	N/A
Minnesota	$2,388	$1,363
Mississippi	$2,527	$1,331
Missouri	$2,852	$1,361
Montana	$2,949	$1,394
Nebraska	$2,621	$1,216
Nevada	$2,614	N/A
New Hampshire	$2,123	$1,145
New Jersey	$2,294	N/A
New Mexico	$2,834	$1,806
New York	$2,056	N/A
North Carolina	$2,994	$1,513
North Dakota	$2,339	$1,152
Ohio	$1,942	N/A
Oklahoma	$2,699	N/A
Oregon	$2,945	$1,411
Pennsylvania	$2,503	$1,196
Rhode Island	$2,993	$1,911
South Carolina	$2,336	N/A
South Dakota	$2,070	$1,526
Tennessee	$3,032	$1,632
Texas	$2,941	$1,502
Utah	$2,279	$1,135
Vermont	$1,733	$935
Virginia	$2,021	N/A
Washington	$1,766	$1,658
Washington, D.C.	$3,769	$2,558
West Virginia	$3,132	$1,215
Wisconsin	$2,515	$1,287
Wyoming	$2,831	N/A

Allstate vs. Nationwide: Which offers better discounts?

Discounts are a big draw for customers and can offer significant savings on your annual premiums. Below are some of the discounts Allstate and Nationwide offer to their customers.

Discounts	Allstate	Nationwide
Daily commute	9%	N/A
Payment type	9%	9%
Multi policy	9%	7%
Telematics	8%	8%
Lower annual mileage	7%	12%
Marital status	6%	7%
Days advanced purchase	12%	7%
Paperless/electornic documents	6%	4%
Education	6%	N/A
Homeowner	6%	5%
Safety devices	5%	3%
Electronic funds transfer	4%	3%
Loyalty	18%	4%
Air bags	1%	2%
Anti-theft device	1%	1%

Always be sure to ask about available discounts when you're shopping around for insurance to see what you may qualify for.

Allstate vs. Nationwide: The bottom line

Both Allstate and Nationwide are reliable insurance companies, but if price is your top concern, Nationwide might be the better choice. However, we recommend looking at more than just rates to find the best car insurance for your needs and comparing quotes from numerous companies.

Methodology

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on: