Allstate vs. Nationwide: Which one is the cheapest?

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

For full coverage with 100/300/100 in liability coverage and $500 deductibles for comprehensive and collision insurance, Nationwide costs an average of $1,548. Allstate costs more at an average of $2,509.

It's always a good idea to shop around for quotes, however, because prices and coverage vary from state to state and depend on your individual situation.

CompanyAverage annual rate for full coverageAverage annual rate for state minimum coverageAverage 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 is a major factor in calculating insurance rates. Companies look at speeding and accident trends as well as distracted driving statistics. Teen drivers are one of the riskiest - and therefore most expensive - age groups to insure. Rates drop as you get older.

For example, adults pay an average of $1,533 at Nationwide, while at Allstate the average rate for an adult is $2,509.

Age groupAllstateNationwide
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 violationAllstateNationwide
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?

Customer service, claims processing and a positive online experience are just a few things to consider along with price when choosing an insurance carrierAn insurance carrier is the company that provides your car insurance policy and pays claims.. Take a look at the table below to see how Allstate and Nationwide scored in the best car insurance companies of 2025.

Overall, Allstate scored 3.78, while Nationwide scored 4.33.

RatingsAllstateNationwide
NAIC0.650.64
AM BestA+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 are different in each state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where you can find the cheapest rates from Allstate and Nationwide. It's always a good idea to compare multiple quotes, as your final price will depend on your location, driving history and personal situation.

StateAllstateNationwide
Alabama$2,178$1,345
Alaska$2,114N/A
Arizona$2,215$1,726
Arkansas$2,729$1,503
California$2,627$2,799
Colorado$2,774N/A
Connecticut$2,195$1,766
Delaware$3,631$1,498
Florida$3,569$2,150
Georgia$2,014N/A
Hawaii$1,882N/A
Idaho$1,945$1,505
Illinois$2,742N/A
Indiana$2,324$1,309
Iowa$2,126N/A
Kansas$2,968$1,316
Kentucky$3,127N/A
Maine$1,147N/A
Maryland$3,108$1,363
Massachusetts$2,694N/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$2,614N/A
New Hampshire$2,123$1,145
New Jersey$2,294N/A
New Mexico$2,834$1,806
New York$2,056N/A
North Carolina$2,994$1,513
North Dakota$2,339$1,152
Ohio$1,942N/A
Oklahoma$2,699N/A
Oregon$2,945$1,411
Pennsylvania$2,503$1,196
Rhode Island$2,993$1,911
South Carolina$2,336N/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$2,021N/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$2,831N/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.

DiscountsAllstateNationwide
Daily commute9%N/A
Payment type9%9%
Multi policy9%7%
Telematics8%8%
Lower annual mileage7%12%
Marital status6%7%
Days advanced purchase12%7%
Paperless/electornic documents6%4%
Education6%N/A
Homeowner6%5%
Safety devices5%3%
Electronic funds transfer4%3%
Loyalty18%4%
Air bags1%2%
Anti-theft device1%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 good insurance companies, but if getting the lowest rates is your priority, Nationwide might be the best option for you. However, it's always a good idea to look beyond just the price and compare quotes from multiple companies to find the best car insurance for your needs.

Methodology

Insurance.com commissioned car insurance rates from Quadrant Data Services for state minimum coverage and full coverage with liability limits of 100/300/100 with $500 deductibles. Base sample rates are based on a 40-year-old male driver with a clean record and good credit driving a 2023 Honda Accord LX. Rates were also fielded for multiple age groups and driver profiles compared with the base sample rate.

Company ratings were gathered from third-party sources including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). We also gathered data from the Insure.com annual survey of car insurance customers.