Allstate vs Nationwide Car Insurance

Compare car insurance for Allstate vs Nationwide by looking at premiums and discounts. Nationwide offers lower premiums on car insurance coverage and both companies offer specific discounts to customers.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 26, 2021

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Here's what you need to know...

  • Allstate is the second-largest insurance provider in the U.S.
  • Nationwide offers lower premiums on car insurance coverage
  • Both companies offer specific discounts to customers

If you are trying to compare Allstate and Nationwide insurance, it can be a tough choice since they are both so well-known. Here is some background information on these two car insurance companies to help you make a better-informed decision.

Also, be sure and check out the Allstate auto insurance review and the Nationwide auto insurance review for some more specific and in-depth information on each company.

When you have finished with this comparison article, be sure to use the free tool on this page for comparing quotes from many different companies. Simply enter your zip code to get started today!

How Did Allstate Insurance Become So Well Known?

Allstate gained a lot of its fame from its “Are in good hands?” slogan that has been advertised since about 2004. Previously they used “You are in good hands with Allstate” for several successful years.

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Allstate’s Growing After 70 Years

The company formed in 1931 as a division of Sears, Roebuck and Co. In 1993, it separated into an independent business.

Presently, Allstate is the 2nd biggest insurance company within the U.S. and offers 13 types of insurance, products and services, which include:

  • Home Insurance
  • Auto Insurance
  • Life Insurance
  • Commercial Insurance
  • Retirement Products
  • Investment Products
  • Banking Services

Allstate’s Unique Car Insurance Options


In May of 2005, Allstate insurance introduced a “Your Choice Auto Insurance” program. It offers reduced deductibles and increased upper limits on coverage such as:

  1. Car Accident Forgiveness – Prevents premiums from rising because of a car accident.
  2. Deductible Discounted Rewards – Provides $100 right away off the collision deductible and an extra $100 discount for every year the driver does not have accidents, to a maximum of $500.
  3. Replacement Of New Car – Replacement value may be provided when the policyholder’s new vehicle gets totaled from a loss that is covered. This amount is over book value.

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Nationwide Insurance Services Has Become One Of The Biggest Firms

In 1955, the Farm Bureau Mutual Automobile Insurance company switched its company’s name to Nationwide Insurance. By 1965, Nationwide was in 32 states and in Washington, DC.

Today, Nationwide is one of the biggest financial services and insurance firms within the entire world.

It develops and owns these types of companies:

  • Casualty Insurance
  • Domestic Property
  • Retirement Saving
  • Life Insurance
  • Strategic Investing
  • Asset management

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Nationwide’s iPhone Applications

In April of 2009, Nationwide offered its Nationwide Mobile free iPhone application (app) to its auto insurance policyholders. This app gives drivers simple instructions on what to do after car accidents.

It helps the drivers begin their claim processing as well.

The app also locates company-approved car repair businesses and helps all drivers involved exchange insurance and accident information.

Nationwide also developed an iPhone app called Cartopia. This app assists individuals as they shop for cars. It displays different car models and makes, depending on the criteria entered by the individual. The criteria may include:

  1. Invoice price
  2. Trade in value
  3. Histories of 6 used cars per month
  4. Nationwide Bank loan rates
  5. Gas mileage
  6. Color
  7. Safety rating
  8. Complete cost of ownership

Allstate’s Higher Service Verses Nationwide’s Lower Costs

If you want more personalized service and do not mind paying higher premiums, Allstate makes a better choice.

Nationwide may save you money on premiums, but will provide less personal service.

These are of course generalizations; some people may find that Allstate has the cheapest rates for them while others may find that Nationwide offers better customer service.

Be sure that you compare all of the options available to you – enter your zip for free car insurance quotes from multiple providers now!



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