Both car insurance providers have a great reputation, but one may be better for you.

 
 

Nationwide and State Farm are two of the most popular auto insurance companies in the industry. But which should you choose to be your insurer? In this article, we’ll compare Nationwide vs State Farm to find the car insurance coverage that’s right for you.

When you’re ready to start comparing auto insurance quotes, enter your zip code below to get free, personalized quotes. Or, for a simple process, call (855) 518-0148 to get free, personalized quotes seven days a week.

In this article:

Nationwide And State Farm Highlights

Nationwide and State Farm both made our list for the best car insurance nationwide, and now we’re putting the providers head to head. When it comes to students, State Farm auto insurance takes the win with great discounts and a safe driving program for drivers under the age of 25. But senior drivers ultimately find better coverage with Nationwide car insurance.

Here’s a quick overview of our findings before we get into the details.

 

Nationwide

State Farm

Overall Rating

4.0

4.5

Superlative

Best for Seniors

Best for Students

Availability

47 states

48 states*

Coverage

4.5

4.0

Cost

3.5

4.0

Customer Service

3.5

3.5

AM Best Financial Strength Rating

A+

A++

J.D. Power Claims Servicing 

3/5

3/5

Mobile App Google Play Rating

4.3

4.1

 

*Although State Farm advertises nationwide availability, the company is no longer taking on new customers in Massachusetts or Rhode Island.

Nationwide Vs State Farm: Coverage

You can find great standard coverage options with Nationwide and State Farm, as well as roadside assistance and rental car reimbursement. If you’re looking for any extra types of coverage, here’s a complete look at both car insurance providers.

 

Nationwide

State Farm

Bodily Injury Liability

Property Damage Liability

Collision

Comprehensive

Personal Injury Protection

Medical Payments

Uninsured/Underinsured Motorist

Roadside Assistance

Rental Car Reimbursement

Accident Forgiveness

 

Gap Insurance

 

Deductible Savings

 

Towing and Labor

 

Total Loss Deductible Waiver

 

Rideshare Insurance

 

 

Accident forgiveness insurance: This type of coverage from Nationwide can help you avoid an increase in car insurance rates after your first at-fault accident.

Deductible savings: Nationwide’s vanishing deductible program decreases your car insurance deductible by $100 for every year of accident-free driving (up to $500).

Total loss deductible waiver: If you purchase this type of coverage with a Nationwide auto insurance policy, you won’t have to pay the comprehensive or collision deductible if your car is a total loss after an accident.

Rideshare insurance: Uber and Lyft drivers will find the coverage they need with State Farm. This insurance covers your passengers’ medical bills after an accident, as well as rental cars.

Overall, we think that Nationwide has slightly better choices for coverage than State Farm, but that will all depend on what you’re looking for specifically.

Nationwide Vs State Farm: Cost And Discounts

After performing a secret shopper analysis, we found that State Farm generally has more affordable car insurance than Nationwide. That being said, the discounts that you qualify for can help determine which provider is the best choice for you.

Here’s a look at the discounts you can get to save money with Nationwide and State Farm:

 

Nationwide

State Farm

Safe Driver

Vehicle Safety

Anti-Theft

Defensive Driving

Multiple Policy

Multiple Vehicle

 

Good Student

 

Driver Training

 

Accident-Free

 

Student Away At School

 

Passive Restraints

 

Automatic Payments

 

New Car

 

Affinity Membership

 
 

When comparing Nationwide vs State Farm, we’re glad to see that both companies have safe driver and defensive driving discounts.

Nationwide’s affinity membership discount helps those in certain academic and professional associations save on car insurance, and State Farm has great student discounts for drivers that maintain good grades and those that leave vehicles at home while away at school.

Nationwide SmartRide® Vs State Farm Drive Safe & Save™  

SmartRide

Drive Safe & Save

Through the Nationwide mobile app or plug-in device

Through the Drive Safe & Save mobile app, plug-in device, or OnStar

10 percent off for signing up and up to 40 percent off for safe driving

Up to 30 percent off for safe driving

3.7 stars on Google Play

3.6 stars on Google Play

In addition to Drive Safe & Save, another State Farm offering is the Steer Clear® program for drivers under 25 years old. The educational training app improves driving skills and reinforces safe driving habits by rewarding young drivers with discounts.

Nationwide Vs State Farm: Quotes And Claims

Car insurance quotes are available online or over the phone with Nationwide and State Farm. According to J.D. Power, customers are more pleased with State Farm’s quotes process.

State Farm earned 847 out of a possible 1,000 points in the 2019 U.S. Insurance Shopping Study, which is based on customer satisfaction in regard to price, distribution channel, and policy offerings. Nationwide earned 828 points in the same study.

To file a claim with either company, motorists can visit an online customer portal, speak to an agent over the phone, or use an app to file.

State Farm Claims

800-732-5246

Nationwide Claims

800-421-3535

J.D. Power’s 2019 U.S. Auto Claims Satisfaction Study tells us that customers are slightly more pleased with State Farm. Both providers performed very well in the study, with State Farm earning 878 out of a possible 1,000 points and Nationwide earning 867 points.

Nationwide Vs State Farm: Ratings And Reviews

You can learn a lot from an auto insurance company’s industry reputation. Luckily, Nationwide and State Farm come highly recommended from professionals like AM Best and the Better Business Bureau (BBB). AM Best assesses financial strength, or a company’s ability to pay out on claims, and the BBB reviews business practices and transparency, among other factors.

 

Nationwide

State Farm

AM Best Financial Strength Rating

A+

A++

BBB Rating

A+

A+

In terms of customer service, let’s take a look at J.D. Power’s 2019 U.S. Auto Insurance Study, which measures satisfaction by region. The study focused on customer satisfaction with interactions, policy offerings, price, the billing process and policy information, and claims. All ratings were based on a 1,000-point scale.

Region

Nationwide

State Farm

California

780

824

Central

807

828

Florida

805

834

Mid-Atlantic

822

834

New England

822

844

New York

822

845

North Central

829

841

Northwest

765

820

Southeast

828

853

Southwest

755

831

Texas

829

835

As you can see, State Farm bested Nationwide in every region in the United States, although some regions were a close battle.

Finally, here are some reviews from real customers to help you in your decision comparing Nationwide vs State Farm.

“I've been dealing with Bob [and] Terry [at] Nationwide for [three] years, and their professionalism, timeliness, and knowledge is simply fantastic. I just can't say enough good [things] about [the] way they handle every aspect [of] this account. I highly, highly recommend them!”

-R.C. via BBB

One of [Nationwide’s] insured hit me two days ago. I filed my claim on that day and still haven't heard from anyone there. I have called and emailed. My vehicle is not able to be driven, and I was hoping for good service and some help getting into a rental quickly. Wishful thinking.”

-Tasha P. via BBB

“I have been with this [State Farm] agent now for more than 20 years. I have never had an issue with anyone at this office and have stayed with them because of the wonderful customer service all of the staff at this location has provided me. I would refer anyone to them in a heartbeat.”

-Mickey via BBB

“Constantly raising rates and very rude staff [at State Farm]. Won't return my calls explaining why my rates [were raised] twice within [three] months... This company price gouges you for the same things until you can no longer afford their coverage.”

- Jack M. via BBB

Final Thoughts: Nationwide Vs State Farm

Coverage

Nationwide

Cost And Discounts

State Farm

Quotes And Claims Processes

State Farm

Ratings And Customer Reviews

State Farm

Overall

State Farm

We have a lot of good things to say about both Nationwide and State Farm auto insurance. Nationwide has a variety of choices when it comes to coverage, while State Farm offers lower rates and high satisfaction ratings.
Ultimately, we think State Farm is the better choice for most drivers, but that will all depend on what you’re looking for and what kind of prices you qualify for.
We recommend getting quotes from Nationwide and State Farm so that you can compare your own coverage and rates. Beyond the car insurance company that you choose, factors like your age, vehicle make and model, and driving history can affect the quotes you receive. So what’s right for someone else may not be right for you. 
Read more about each of the providers in our State Farm insurance review and our Nationwide insurance review.
Use our tool below or call (855) 518-0148 to start comparing free auto insurance quotes.
 

Top Auto Insurance Companies

When you’re shopping for car insurance, it’s smart to get quotes from multiple providers. After you’ve compared Nationwide vs State Farm, take a look at Geico and Progressive, two auto insurance providers that performed highly in our industry review. Both earned 4.5 out of 5.0 stars.

Why You Should Consider Geico

After doing our homework, we named Geico auto insurance the best in the nation for its great value and customer experience.

Geico has strong reviews from experts like AM Best and the BBB. Standard coverage is available in addition to roadside assistance, rental car reimbursement, and mechanical breakdown insurance. Plus, Geico has usage-based car insurance through the DriveEasy® app in some states. 

To learn more, read our full Geico review.

Use our quote comparison tool below to get started. Or, for an even easier process, call our team at (855) 518-0148 to get free, personalized quotes seven days a week.

 

Why You Should Consider Progressive

Drivers in their 20s and those with DUIs on record may find the best coverage with Progressive car insurance. We named the provider best for high-risk drivers.

Progressive has high marks from the BBB and AM Best. In addition to standard coverage, you can get things like towing and labor, custom parts and equipment value, and more. We also like Progressive’s tech like the Name Your Price tool, which allows you to start your search for car insurance with your budget.

To learn more, read our full Progressive insurance review.

To compare these two car insurance companies, check out our review of Geico vs Progressive.

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