Allstate and Nationwide are two of the popular insurance companies in the U.S. Both the insurers have a lot to offer, making it difficult for you to choose between them. However, Nationwide offers the lowest insurance rates compared to Allstate.
To make insurance shopping easy for you we have gathered quotes from both the insurance companies as well as analyzed the carriers based on several rating factors. Find the right insurance policy for you today.
Key takeaways
- The state minimum coverage for Nationwide is $535 per year, and Allstate offers state minimum coverage for $566 annually.
- For customer service, Allstate and Nationwide earned 3.5 stars out of 5.
- Both Allstate and Nationwide offer coverage options such as - mobile app, usage-based telematics, new car replacement, and accident forgiveness.
- Multi-vehicle, multi-policy, and safe driver are a few discounts Allstate and Nationwide offer.
- Allstate vs Nationwide: Which one is the cheapest?
- Allstate vs Nationwide: Rates by age group
- Allstate vs Nationwide: Rates for high-risk drivers
- Allstate vs Nationwide: Customer service and tech friendly
- Allstate vs Nationwide: Which has better coverage options?
- Allstate vs Nationwide: Which offers better discounts?
Allstate vs Nationwide: Which one is the cheapest?
If price is what’s most important, Nationwide is likely going to be the better choice. Nationwide usually offers lower rates than Allstate. Nationwide offers full coverage insurance for an average of $1,252 per year and Allstate provides full coverage for $2,134 annually.
The cost of state minimum coverage from Nationwide is $535 per year and Allstate offers state minimum coverage for $566 annually. However, it’s still a good idea to get quotes from both companies though to see what’s better for your specific situation.
| Company | Average annual rate for full coverage | Average annual rate for state minimum coverage |
|---|---|---|
| Allstate | $2,134 | $566 |
| Nationwide | $1,252 | $535 |
Allstate vs Nationwide: Rates by age group
Nationwide has the cheapest insurance rates for most age groups. Insurance companies have different rates depending on your age. They use it as an indicator to determine how much risk a drive poses and then price policies accordingly.
Car insurance rates are higher for teenagers as they are considered high risk by insurers. Teens should consider buying insurance from Nationwide, as its rates are lower than Allstate. Nationwide offers insurance for teenagers at an average of $3,911 per year, whereas Allstate provides insurance to teen drivers for $6,061 annually.
| Age (group) | Allstate | Nationwide |
|---|---|---|
| Adults | $2,044 | $1,165 |
| Seniors | $2,019 | $1,125 |
| Teens | $6,061 | $3,911 |
| Young adults | $2,775 | $1,720 |
Allstate vs Nationwide: Rates for high-risk drivers
In our study we found that Nationwide is an affordable insurer for most drivers than Allstate. Nationwide is the cheapest for drivers with a DUI/DWI first offense. Its average annual rate is $2,609 and Allstate's rates after a DUI/DWI offense is $3,557 per year.
When it comes to finding affordable rates for high-risk drivers, Allstate and Nationwide are two of the best options out there. Although both companies are viable options for high-risk drivers, one may be a better fit for your specific needs. By examining the rates mentioned in the table below, you can make an informed decision about which insurer offers the best rates for your specific situation.
| Profile Value (group) | Allstate | Nationwide |
|---|---|---|
| 1 At-fault property damage accident over $2K | $3,263 | $1,931 |
| 1 At-fault property damage accident under $2K | $3,208 | $1,823 |
| At-fault bodily injury accident | $3,334 | $1,979 |
| Careless driving | $2,511 | $1,738 |
| DUI/DWI first offense | $3,557 | $2,609 |
| Reckless driving | $3,388 | $2,524 |
| Speeding | $2,519 | $2,250 |
Allstate vs Nationwide: Customer service and tech friendly
For customer service, Allstate earned 3.5 stars out of 5, while Nationwide earned 3.5 stars.
Which insurance company provides a better online experience? Both Allstate and Nationwide offer online quotes comparison. Apart from that, they have easy to use mobile apps that allow you to pay bills, view your profile and file insurance claims.
Allstate vs Nationwide: Which has better coverage options?
Every state has different requirements for car insurance, this is because the laws surrounding driving vary from place to place. However, each insurer offers standard coverage such as liability, comprehensive and collision coverage to make sure you're protected if anything goes wrong.
Both Allstate and Nationwide have a wide range of coverage options. Below table shows the different coverages offered by Allstate and Nationwide:
Allstate vs Nationwide: Which offers better discounts?
Insurance companies offer a variety of discounts to help you save money on your car insurance. While they may not seem like much, these dollar amounts add up to trim your insurance costs. Check out what discount options Allstate and Nationwide offer to policyholders, and which carrier fits your needs.
