Allstate vs Nationwide
Compare Allstate and Nationwide car insurance by coverage options, discounts, safe-driving programs, usage-based insurance features, policy extras and the factors that can affect your personalized quote.
“`Allstate vs Nationwide: At a Glance
Both insurers offer standard auto insurance protection, optional coverage and multiple ways to potentially reduce premiums. Their usage-based programs and policy features provide some of the most noticeable differences.
Allstate
Auto InsuranceAllstate offers liability, collision, comprehensive, uninsured and underinsured motorist coverage and additional options. Its auto insurance ecosystem also includes Drivewise, Milewise, roadside assistance, accident forgiveness and other features.
View our Allstate Auto Insurance page →Nationwide
Auto InsuranceNationwide provides auto insurance with standard protection and additional options, while also offering SmartRide and SmartMiles usage-based programs and multi-policy savings opportunities.
View our Nationwide Auto Insurance page →Allstate vs Nationwide Coverage Comparison
The following table provides a practical overview of major auto insurance categories. Exact availability and limits depend on state and policy.
| Coverage / Feature | Allstate | Nationwide |
|---|---|---|
| Liability Coverage | ✓ Available | ✓ Available |
| Collision Coverage | ✓ Available | ✓ Available |
| Comprehensive Coverage | ✓ Available | ✓ Available |
| Uninsured / Underinsured Motorist | ✓ Available | ✓ Available |
| Medical / Injury Protection | ✓ Available where applicable | ✓ Available where applicable |
| Rental Reimbursement | ✓ Available | ✓ Available |
| Roadside Assistance | ✓ Available | ✓ Available |
| Safe-Driving Program | ✓ Drivewise | ✓ SmartRide |
| Low-Mileage Program | ✓ Milewise in eligible situations | ✓ SmartMiles |
| Multi-Policy Discount | ✓ Available | ✓ Available |
| Accident Forgiveness | ✓ Optional feature | Availability depends on policy/state |
Coverage, optional features, discounts and program availability may vary by state, policy and eligibility.
Allstate vs Nationwide: Coverage Details
Liability Coverage
Both insurers offer liability protection designed to help cover eligible bodily injury and property damage claims for which the insured is legally responsible, subject to policy limits and state requirements.
Collision Coverage
Collision coverage can help pay for covered damage to an insured vehicle resulting from a collision, subject to the selected deductible and policy terms.
Comprehensive Coverage
Comprehensive coverage generally applies to covered non-collision losses, such as theft or certain weather, animal or falling-object damage.
Uninsured & Underinsured Motorist
Both companies offer uninsured and underinsured motorist protection where available, with requirements and limits governed partly by state law.
Rental & Roadside Options
Both insurers provide additional services and optional protections that can help with transportation or roadside problems, depending on the selected policy.
Additional Policy Features
Allstate offers features such as Accident Forgiveness, while Nationwide promotes services including its On Your Side Claims Service and Auto Repair Network for eligible customers.
Drivewise vs SmartRide
Both Allstate and Nationwide use telematics programs to connect driving behavior with potential insurance savings. Their programs work differently.
Allstate Drivewise
Drivewise is an optional program available through the Allstate mobile app. Allstate says the program can provide an enrollment discount and personalized pricing based on driving behavior.
Driving information can include factors such as speed, braking, time of day and phone activity. Allstate states that high-risk driving can affect the price in some states.
Allstate also says Drivewise can provide driving insights and crash-detection features through its mobile app.
Explore Allstate Auto Insurance →Nationwide SmartRide
SmartRide is Nationwide’s usage-based insurance program designed to reward eligible customers for safe driving.
Nationwide states that participating customers can receive an enrollment discount in most states, while the ultimate discount depends on participation and driving behavior.
Nationwide also offers SmartMiles, a usage-based program intended for eligible drivers whose mileage may make a pay-per-mile approach relevant.
Explore Nationwide Auto Insurance →Drivewise vs SmartRide: Key Differences
| Program Feature | Allstate Drivewise | Nationwide SmartRide |
|---|---|---|
| Program Type | Usage-based / telematics insurance program | Usage-based / telematics insurance program |
| Primary Purpose | Personalized pricing and potential savings based on driving | Potential savings based on safe driving behavior |
| Driving Data | Includes factors such as speed, braking, driving time and phone activity | Uses driving information collected through its program |
| Enrollment Savings | Discount may be available depending on state | Nationwide states an enrollment discount is available in most states |
| Rate Impact | Driving performance can affect pricing in some states | Nationwide describes SmartRide as a program designed to reward safe driving |
| Availability | Not available in every state | Participation and earned discounts vary by state |
Allstate Milewise vs Nationwide SmartMiles
Allstate Milewise
Milewise is Allstate’s usage-based insurance option that uses a daily base rate plus a per-mile rate. Allstate describes it as an option for drivers with lower annual mileage, including people with short commutes or those who work from home.
Availability and eligibility vary by state.
Nationwide SmartMiles
SmartMiles is Nationwide’s pay-per-mile insurance program for eligible customers. Nationwide positions it as an option for lower-mileage drivers who may benefit from a mileage-based policy.
Program availability and terms vary by state.
Allstate vs Nationwide Discounts
Discount eligibility can have a significant effect on the final premium. The important point is to compare the discounts you actually qualify for, rather than maximum advertised savings.
Allstate Discount Opportunities
Allstate lists discounts and savings opportunities related to safe driving, multiple vehicles, bundling, payment behavior, vehicle safety features, anti-theft devices and eligible student situations.
Nationwide Discount Opportunities
Nationwide offers multi-policy and other discounts and promotes SmartRide and SmartMiles as usage-based options that may provide savings for eligible drivers.
Bundling
Both companies provide opportunities to combine policies and potentially receive a multi-policy discount. The actual savings depend on eligibility, state and the products included.
Safe Driving
Both insurers have programs that connect driving behavior with potential savings. Compare the program rules carefully before deciding whether to enroll.
Which Factors Should You Consider?
The right comparison depends on the driver’s circumstances. These examples show which areas may deserve closer attention when requesting quotes.
Safe Driver
Compare Drivewise and SmartRide requirements, enrollment rules and how each program affects pricing in your state.
Low-Mileage Driver
Consider whether Allstate Milewise or Nationwide SmartMiles is available and suitable for your actual annual mileage.
Multiple Vehicles
Check each insurer’s multi-car and household discounts and compare the combined premium rather than only one vehicle.
Home & Auto Bundle
If you need more than auto insurance, compare the total bundled cost and the coverage provided by the combined policies.
Financed Vehicle
Review lender requirements for comprehensive and collision coverage and compare optional vehicle protections available under each policy.
Young Driver
Review eligible student, safe-driving and household-driver discounts and request quotes using identical coverage limits.
Why Allstate and Nationwide Quotes Can Differ
There is no universal Allstate vs Nationwide price
Your auto insurance premium can depend on your state, driving record, vehicle, mileage, coverage limits, deductibles, claims history, household circumstances and eligible discounts. Different insurers can assign different prices to the same driver because their rating systems and underwriting criteria are not identical.
State
Insurance requirements, available coverage, discounts and telematics programs can vary by state.
Driving Record
Tickets, accidents and claims can influence eligibility and premium calculations.
Vehicle & Usage
The vehicle, annual mileage and how it is used can affect the premium.
Coverage Selection
Higher liability limits, lower deductibles and additional coverage can change the quoted premium.
How to Compare Allstate and Nationwide Quotes
Match Liability Limits
Use the same bodily injury and property damage liability limits on both quotes.
Match Deductibles
Use identical comprehensive and collision deductibles when comparing premiums.
Match Optional Coverage
Include the same rental, roadside, uninsured motorist and other optional protections in both quotes.
Review Discounts
Confirm which discounts you are actually eligible for with each insurer.
Allstate vs Nationwide FAQ
What is the main difference between Allstate and Nationwide?
Does Allstate offer a safe-driving program?
Does Nationwide offer a safe-driving program?
Does Allstate offer a low-mileage insurance option?
Does Nationwide offer pay-per-mile insurance?
Which company has cheaper car insurance?
Can Allstate and Nationwide coverage vary by state?
Explore Allstate and Nationwide Auto Insurance
Visit the dedicated company pages on Newest Cars Insurance for more information about each insurer before comparing your coverage and quote options.