Overall verdict
Nationwide wins 6–2 categories
Nationwide leads on more rate factors. Allstate may still win for specific profiles — see the table below.
Side-by-side comparison
| Feature | Allstate | Nationwide | Winner |
|---|---|---|---|
| Avg annual rate | ~$1,836/yr | ~$1,683/yr | ✓ Nationwide |
| NAIC complaint ratiolower = fewer complaints vs. industry avg | 1.1 — below average | 0.63 — excellent | ✓ Nationwide |
| Credit: excellentrate change for excellent credit | -13% | -14% | ✓ Nationwide |
| Credit: fair / poorrate change for fair credit | +30% | +28% | ✓ Nationwide |
| Young drivers · 18–24surcharge vs 35–54 baseline | +18% | +15% | ✓ Nationwide |
| Drivers 55+discount vs 35–54 baseline | -8% | -8% | — |
| Homeowner discount | -10% | -8% | ✓ Allstate |
| Multi-policy discount | -8% | -6% | ✓ Allstate |
| Lapsed coverage penaltysurcharge for coverage gap | +16% | +15% | ✓ Nationwide |
| How to buy | Online + agent | Online + agent | — |
| Telematics program | Drivewise | SmartRide | — |
Who wins by driver profile
Good credit · clean record
Nationwide
saves ~$150/yr
Fair / poor credit
Nationwide
saves ~$233/yr
Young driver · 18–24
Nationwide
saves ~$221/yr
Drivers 55+
Nationwide
saves ~$138/yr
Homeowner bundle
Nationwide
saves ~$71/yr
About Allstate
Among the pricier majors, but accident forgiveness rewards loyal customers. Drivewise can offset base rates for safe drivers. In this comparison, Allstate has the advantage on homeowner discount, multi-policy discount. Best for: Accident forgiveness programs.
About Nationwide
Best-in-class complaint ratio. Vanishing deductible rewards drivers who stay claim-free year over year. In this comparison, Nationwide has the advantage on avg rate, complaints, excellent-credit rate. Best for: Vanishing deductible & claim-free drivers.
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