Nationwide vs. Allstate: Auto and home insurance bundling

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Both Nationwide and Allstate are top insurance companies when it comes to offering customers discounts when they bundle home and auto insurance.

Nationwide offers cheaper average rates for bundling auto and home insurance but has higher homeowners insurance rates. However, Allstate earned higher customer satisfaction and financial ratings.

Keep reading as we compare bundled rates and overall ratings for Nationwide and Allstate to help you determine which company is right for you.

Key Takeaways

Nationwide offers cheaper bundled auto and home insurance on average at $3,643, but Allstate isn’t far behind at $3,886.
Allstate’s home insurance is cheaper than Nationwide on average, while Nationwide is cheaper for auto insurance.
Allstate has higher customer and claims satisfaction ratings on our customer survey.

Insure.com compares Nationwide vs. Allstate for auto and home bundling

Nationwide’s average rates when bundling auto and home insurance are cheaper than Allstate’s. However, Allstate has cheaper home insurance rates on average, while Nationwide has cheaper auto insurance. Depending on your personal situation, either of those could skew the overall cost of insurance in favor of either company.

Although Allstate isn’t the cheapest for bundling on average, the company consistently has higher customer service and claims satisfaction ratings than Nationwide, which gives customers confidence in its service.

Insure.com rating comparison for Nationwide vs. Allstate

Allstate scored higher than Nationwide on our survey of insurance customers. Allstate has slightly higher customer satisfaction and financial ratings but also has a slightly higher customer complaint ratio with the National Association of Insurance Commissioners (NAIC).

Allstate insurance is also more available than Nationwide coverage. Nationwide doesn’t offer auto insurance in Alaska, Hawaii, Louisiana, and Oklahoma; homeowners insurance isn’t available in Alaska, Florida, Hawaii, Louisiana, Massachusetts, New Jersey and New Mexico.

Comparison Metrics	Nationwide	Allstate
Insure.com overall rating	3.9	4.24
Best for	Cheapest auto and home bundled rates	Customer service and claims satisfaction
Customer satisfaction rating	4.10	4.15
NAIC rating	0.87	0.90
AM Best rating	A	A+
State availability	Auto insurance isn’t available in: AK, HI, LA, OK Home insurance isn’t available in: AK, FL, HI, LA, MA, NJ, NM	All 50 states* and D.C.

*Allstate isn’t currently writing new home insurance in California, but bundles are available to current home insurance customers.

Nationwide vs. Allstate: Pros and cons

While Nationwide and Allstate provide similar coverages, Nationwide offers cheaper rates when bundling home and auto insurance. However, Nationwide coverage isn’t available in every state.

On the other hand, Allstate provides cheaper home insurance rates and is available in every state, including D.C, with one exception: new home insurance isn’t offered in California.

Nationwide	Allstate
Pros:	Pros:
Cheaper bundled auto and home insurance	Cheaper home insurance rates
Low complaint ratio	Higher customer satisfaction ratio
Cons:	Cons:
Home insurance rates are more expensive	More expensive bundled home and auto
Home and auto coverage not available in every state	Higher complaint ratio

Nationwide vs. Allstate: Which has the most affordable rates?

On average, Nationwide provides cheaper auto insurance and bundled home and auto rates, but the difference is slim. Allstate offers more affordable home insurance, while Nationwide’s auto insurance rates are lower on average.

A difference in location or personal factors could skew either of these companies’ rates to the cheaper side.

“My advice on tackling rating differences between companies is to mostly stay with one provider or broker unless it gets to a point where it personally seems unreasonable in cost,” says Zack Pope of David Pope Insurance.

“That varies from person to person, but in general, I would not recommend changing companies unless you save approximately 20% or it’s to reduce exposure due to the company making adjustments to coverages offered on renewal,” he says.

Company	Avg annual auto premium	Avg annual home premium	Total without bundle	Total with bundle	% discount	$ savings
Nationwide	$1,611	$2,809	$4,420	$3,643	18%	$777
Allstate	$2,875	$1,743	$4,619	$3,886	16%	$732

Nationwide vs. Allstate: Auto and home bundle rates by state

Nationwide and Allstate offer similar multi-policy discounts in most states. However, in some states, discount amounts vary greatly. Check out the table below to see which company offers the best bundling discount in your state.

As you can see, location makes a big difference as to which company is cheapest.

State	Allstate -Auto & home before discount	Allstate – Auto & home after discount	Allstate – % Saving	Nationwide -Auto & home before discount	Nationwide -Auto & home after discount	Nationwide -% Saving
Alaska	$4,499	$3,651	19%	–	–	–
Alabama	$3,035	$2,543	16%	$5,263	$4,243	19%
Arkansas	$6,019	$5,065	16%	$6,676	$5,418	19%
Arizona	$4,453	$3,963	11%	$4,238	$3,708	13%
California	$3,506	$3,376	4%	$4,017	$3,106	23%
Colorado	$5,791	$5,131	11%	$7,557	$6,624	12%
Connecticut	–	–	–	–	–	–
Washington, D.C.	$5,828	$4,946	15%	$4,171	$3,604	14%
Delaware	$5,331	$4,353	18%	$2,739	$2,167	21%
Florida	$8,336	$6,763	19%	$4,596	$3,997	13%
Georgia	$4,060	$3,273	19%	–	–	–
Hawaii	$2,568	$2,287	11%	–	–	–
Iowa	$3,883	$3,340	14%	$3,771	$3,015	20%
Idaho	$3,735	$3,014	19%	$2,335	$1,993	15%
Illinois	$5,053	$4,265	16%	$4,121	$3,024	27%
Indiana	$3,950	$3,417	13%	$3,822	$3,145	18%
Kansas	$7,250	$6,307	13%	$8,573	$6,943	19%
Kentucky	–	–	–	$4,599	$3,465	25%
Louisiana	$4,852	$4,419	9%	–	–	–
Massachusetts	$4,850	$3,955	18%	–	–	–
Maryland	$4,999	$4,067	19%	$4,006	$3,267	18%
Maine	$2,619	$2,130	19%	–	–	–
Michigan	–	–	–	–	–	–
Minnesota	–	–	–	–	–	–
Missouri	$5,081	$4,506	11%	$5,789	$5,216	10%
Mississippi	$3,820	$3,255	15%	$7,908	$5,112	35%
Montana	$5,617	$4,725	16%	$3,728	$3,188	14%
North Carolina	–	–	–	$4,407	$2,931	34%
North Dakota	$4,403	$3,620	18%	–	–	–
Nebraska	$5,998	$5,474	9%	$7,949	$7,261	9%
New Hampshire	$3,200	$2,505	22%	$2,445	$1,972	19%
New Jersey	–	–	–	–	–	–
New Mexico	–	–	–	–	–	–
Nevada	–	–	–	$3,017	$2,733	9%
New York	$5,611	$4,629	18%	–	–	–
Ohio	$3,669	$2,962	19%	$2,883	$2,361	18%
Oklahoma	$5,396	$4,641	14%	–	–	–
Oregon	$3,689	$3,147	15%	$2,293	$1,862	19%
Pennsylvania	$4,690	$3,778	19%	$4,277	$3,525	18%
Rhode Island	$5,076	$3,960	22%	$4,079	$3,476	15%
South Carolina	$4,025	$3,473	14%	–	–	–
South Dakota	$5,243	$4,448	15%	$5,552	$4,800	14%
Tennessee	$4,423	$3,696	16%	–	–	–
Texas	–	–	–	$7,276	$6,466	11%
Utah	–	–	–	$2,279	$1,972	14%
Virginia	$4,631	$3,665	21%	$2,751	$2,267	18%
Vermont	$3,167	$2,481	22%	–	–	–
Washington	$3,153	$2,560	19%	$2,771	$2,362	15%
Wisconsin	$3,511	$2,950	16%	$2,690	$2,276	15%
West Virginia	$4,316	$3,579	17%	$3,267	$2,713	17%
Wyoming	$6,025	$5,018	17%	–	–	–

*Rate data is not available for both home and auto in all states; however, where rates for either policy are available they have been included for informational purposes.

Nationwide vs. Allstate: Customer satisfaction

Allstate scores slightly higher than Nationwide in customer satisfaction, according to our survey of insurance customers for the 2024 Best Home Insurance Companies ranking. While Allstate shows 79% of customers are satisfied with the company, 76% of Nationwide customers are satisfied.

Company	Percentage of customers who are satisfied
Nationwide	76%
Allstate	79%

Nationwide vs. Allstate: Claims handling

Claims handling is another area in which Allstate excels. Eighty-five percent of Allstate customers are satisfied with how their claims were handled, compared to 73% of Nationwide customers.

Company	Percentage of customers who are satisfied
Nationwide	73%
Allstate	85%

The bottom line: Nationwide vs. Allstate auto and home bundling

When comparing Nationwide vs. Allstate, you’ll find that each company fits different needs.

Nationwide offers the cheapest home and auto insurance bundles and has multi-policy discounts similar to Allstate’s in most states. However, Nationwide auto and home insurance coverage isn’t available in every state.

Allstate has lower average home insurance rates but higher auto and home bundling rates. Allstate is available in every state with the exception of home insurance in California and scores higher for customer satisfaction, claims satisfaction and financial stability.

It’s important to compare both companies for your needs and rates for your personal needs to find out which is best for you.