Nationwide vs State Farm Car Insurance

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2,700 Reviews

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Last Updated: January 2022

Ratings

Insurify Composite Score

Nationwide
89
What is this?

Insurify Composite Score

State Farm
88
What is this?

Insurify Composite Score

Nationwide VS State Farm
89
88
What is this?
User Ratings
OptionsNationwide State Farm
Rating/Reviews
3,848 reviews
2,186 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsNationwide State Farm
Call Center RepresentativeThe rest--
Insurer WebsiteAmong the bestThe rest
Local AgentBetter than mostAbout average
Overall SatisfactionAbout averageAbout average
Policy OfferingsBetter than mostAbout average
PricingAbout averageThe rest
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsNationwide State Farm
Claim ServicingAbout averageAbout average
Estimation ProcessBetter than mostBetter than most
First Notice of Loss (FNOL)Better than mostAbout average
Overall SatisfactionAbout averageAbout average
Rental ExperienceBetter than mostAbout average
Repair ProcessBetter than mostAbout average
SettlementAbout averageAbout average
J.D. Power Ratings by Region (out of 1000)
RegionNationwide State Farm
California796 pt
About average
813 pt
About average
Central803 pt
The rest
824 pt
About average
Florida793 pt
The rest
798 pt
The rest
Mid-Atlantic823 pt
The rest
826 pt
The rest
New England817 pt
About average
838 pt
Better than most
New York806 pt
The rest
820 pt
About average
North Central815 pt
The rest
840 pt
Better than most
Northwest782 pt
The rest
817 pt
About average
Southeast823 pt
About average
821 pt
About average
Southwest805 pt
The rest
829 pt
Better than most
Texas813 pt
The rest
816 pt
The rest
Mobile App Ratings
RegionNationwide State Farm
Android
1,829 Reviews
12,082 Reviews
iOS
40 Reviews
288 Reviews
Financial Ratings
OptionsNationwide State Farm
A.M. BestA+A++
Moody'sA1Aa1
Standard & Poor'sA+AA

Auto Insurance Quotes

For Married Drivers

CityNationwide State Farm
Austin$73$52
Chicago$184$54
Philadelphia$87$73
Phoenix--$72
Santa Monica$96$81

For Single Drivers

CityNationwide State Farm
Austin$99$54
Chicago$183$54
Philadelphia$96$74
Phoenix--$64
Santa Monica$231$117

For Male Drivers

CityNationwide State Farm
Austin$84$52
Chicago$185$53
Philadelphia$90$72
Phoenix--$63
Santa Monica$215$116

For Female Drivers

CityNationwide State Farm
Austin$88$54
Chicago$182$56
Philadelphia$93$76
Phoenix--$73
Santa Monica$112$83

For Drivers with Speeding Ticket

CityNationwide State Farm
Austin$115$66
Chicago$285$60
Philadelphia$102$84
Phoenix--$74
Santa Monica$270$187

For Drivers with No Speeding Ticket

CityNationwide State Farm
Austin$80$50
Chicago$161$53
Philadelphia$90$73
Phoenix--$67
Santa Monica$141$80

For Drivers Age Between 18-40

CityNationwide State Farm
Austin$97$56
Chicago$185$55
Philadelphia$94$76
Phoenix--$65
Santa Monica$262$132

For Drivers Age Between 40-65

CityNationwide State Farm
Austin$70$50
Chicago$172$51
Philadelphia$82$69
Phoenix--$68
Santa Monica$85$79

For Drivers Age of 65+

CityNationwide State Farm
Austin$108$52
Chicago$217$62
Philadelphia$112$84
Phoenix--$80
Santa Monica$88$55

For Drivers with Average Credit

CityNationwide State Farm
Austin$105$60
Chicago$207$62
Philadelphia$104$84
Phoenix--$80
Santa Monica$147$95

For Drivers with Fair Credit

CityNationwide State Farm
Austin$87$58
Chicago$185$60
Philadelphia$91$81
Phoenix--$90
Santa Monica$117$81

For Drivers with Good Credit

CityNationwide State Farm
Austin$70$52
Chicago$197$53
Philadelphia$90$72
Phoenix--$62
Santa Monica$106$89

For Drivers with Excellent Credit

CityNationwide State Farm
Austin$83$42
Chicago$144$43
Philadelphia$80$59
Phoenix--$39
Santa Monica$285$131

Quotes & Discounts

Discount typeNationwide State Farm
FamilyUp to 25%--
Multiple PolicyUp to 25%Up to 17%
Multiple VehicleUp to 20%Up to 20%
Good StudentUp to 15%Up to 25%
Defensive DriverUp to 10%Up to 5%
Farm BureauUp to 10%--
Good DriverUp to 10%Up to 25%
OrganizationUp to 10%--
SmartRideUp to 10%--
Anti-Theft DeviceUp to 5%Up to 15%
Accident ForgivenessVaries--
Accident FreeVariesUp to 15%
Affinity groupVaries--
Driving HabitsVariesUp to 30%
Paperless documentsVaries--
Preferred paymentVaries--
Anti-lock Brake--Up to 20%
Claims Free Renewal--Varies
Daytime Running Lights--Varies
Driving training--Varies
Good Credit--Up to 80%
Home Owner--Varies
Low Mileage--Up to 10%
Loyalty--Varies
Mature driver--Varies
Military--Varies
New Car--Up to 40%
Passive Restraint--Up to 40%
Senior Adult--Varies
Student Away at School--Varies
Travelink--Varies
teenSMART--Up to 15%

Payment Methods

Discount typeNationwide State Farm
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit --yes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yesyes
In Person Payment
--yes
Mail Payment
yesyes
Mobile App Payments
--yes
Multi-Payment Installment Plans
yes--
Online Payment
yesyes
Pay Through Your Agent
--yes
Person 2 Person Payment yesyes
Phone Payment
yesyes

Features and Services

Features and ServicesNationwide State Farm
24/7 service--yes
Enhanced towing & substitute coverage--yes
Flexible / convenient payments--yes
Loyalty rewards program--yes
Mobile app--yes
Online account managementyesyes
Policy bundling discounts--yes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesNationwide State Farm
Accident Forgiveness
yes--
Accidental Death, Dismemberment, Disability
--yes
Antique or Collector Car Insurance
yesyes
Emergency Assistance Coverage
--yes
Emergency Lockout Coverage
--yes
Gap Insurance
yes--
Glass Coverage --yes
Mechanical Breakdown Insurance
--yes
Preferred Repair Services
--yes
Rental Reimbursement
yesyes
Ridesharing Coverage
--yes
Roadside Assistance
yesyes
Vanishing Deductible
yes--

Uber and Lyft driver insurance

  • Nationwide
  • State Farm
  • Both

Compare Insurance Products

ProductNationwide State Farm
Personal Articles InsurancePersonal Articles Insurance--yes
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insurance--yes
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Disability InsuranceDisability Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Golf Cart InsuranceGolf Cart Insurance--yes
Health InsuranceHealth Insurance--yes
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insurance--yes
Life InsuranceLife Insuranceyesyes
Long-Term Care InsuranceLong-Term Care Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Pet InsurancePet Insuranceyes--
Renters InsuranceRenters Insurance--yes
Ridesharing InsuranceRidesharing Insurance--yes
RV InsuranceRV Insurance--yes
Snowmobile insuranceSnowmobile insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • Nationwide Reviews
  • State Farm Reviews
3.6
5 Stars
50 %
4 Stars
11 %
3 Stars
9 %
2 Stars
6 %
1 Star
24 %

Most Positive Review

By Jimmy
I’ve been with nationwide for many years as a happy customer. I’m looking over the market to see if my rates are high or low.

Most Critical Review

By Tammy
Never could get a straight answer. No one would call me back. Got the run around. My rates kept climbing when my husband and I have perfect driving records.

All Reviews

Showing 1 - 10 out of 1000 Reviews
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Read reviews that mention

csecesd
klmmlk
Ernest
appalling disconnect between field and home offices, with the home usually two weeks behind events in the field. Which causes continuing billing errors which NW does not acknowledge.
Darrell
They are fair
Saleem
The rates I had with them and their prompt and courteous service.
Michael
They are ok just price
Robert
Too expensive for the age of me and the car.
Todd
Price increases
Natale
After I had a serious accident the amount I received for my totaled car had been nickel and dimed so low there was no way to get a comparable car. I understand deductions for mileage etc... but when a top of the line model cant even equate to a bottom of the line model in an older model something is wrong.
Amy
Shannon
Nothing remarkable either way.
Showing 1 - 10 out of 1000 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.