Comparing quotes is the best way to get your lowest rates from top insurers like Nationwide and State Farm. QuoteWizard is an independent company that helps you find your right policy at your best rate.
Nationwide and State Farm are both huge names when it comes to auto insurance. Both companies are highly ranked, with Nationwide as the #2 auto insurer for 2016 and State Farm as the #4 auto insurer. Additionally, they share high financial strength and J.D. Power ratings.
State Farm offers a lot of discounts and additional coverage options. Nationwide offers discounts, affordable premiums, and great customer service, but its online and mobile services are seemingly subpar.
So which one offers the discounts, services, and customer ratings that best fit your car insurance wants and needs? Keep reading to find out.
| Best If |
Nationwide
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State Farm
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| Worst If |
Nationwide
|
State Farm
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Nationwide
Paperless DocumentsNationwide has a unique discount that saves customers money and saves the company (and the planet) paper. Going paperless simply means sending all the bills, or documents you’d otherwise receive in the mail over to e-mail. It’s an easy way to save paper and keep better track of your important insurance documents. Read more about the Paperless Documents discount. |
State Farm
Commercial Auto InsuranceIf you’re a business owner and have vehicles (i.e. pickup trucks or box trucks), consider purchasing commercial auto insurance. It will cover you if an employee driving one of your business vehicles gets into an accident. There are multiple coverage options for commercial auto insurance:
There’s also Employers Non-Owned Liability Coverage (ENOL). This policy covers you if any of your employees use their own cars for business purposes. If they get into an accident, you won’t suffer any financial losses. Classic Car InsuranceState Farm provides coverage for customers who own classic or antique cars. Its website also provides a brief guide that determines whether your car is eligible for Classic Car Insurance. The coverages for this type of policy are:
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| Bundling Coverage Discounts | Nationwide | State Farm |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | Nationwide | State Farm |
| Alternative Fuel | ||
| Electronic Stability Control (ESC) | ||
| Anti-Lock Brake | ||
| Anti-Theft | ||
| Passive Restraint | ||
| New Car | ||
| Economy Car | ||
| Utility Vehicle | ||
| Farm or Ranch Vehicle | ||
| Driving Record and Insurance History | Nationwide | State Farm |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | Nationwide | State Farm |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | Nationwide | State Farm |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | Nationwide | State Farm |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| Nationwide Auto Insurance | State Farm Auto Insurance | |
|---|---|---|
| 2016 | 53 | 105 |
| 2015 | 112 | 155 |
| 2014 | 90 | 178 |
| 2013 | 134 | 135 |
| Nationwide Auto Insurance | State Farm Auto Insurance | |
|---|---|---|
| Overall Purchase Experience | Average | Above average |
| Policy Offerings | Average | Above average |
| Pricing | Average | Average |
| Local Agent | Average | Among the best |
| Call Center Representative | Average | -- |
| Insurer Website | Average | Average |
| Nationwide Auto Insurance | State Farm Auto Insurance | |
|---|---|---|
| Overall Satisfaction | Above average | Average |
| First Notice of Loss | Above average | Average |
| Service Interaction | Above average | Above average |
| Appraisal | Above average | Average |
| Repair Process | Above average | Above average |
| Rental Car Experience | Average | Average |
| Settlement | Average | Average |
| Nationwide Auto Insurance | State Farm Auto Insurance | |
|---|---|---|
| A.M. Best | A+ | A++ |
| Moody's | A1 | Aa1 |
| S&P's | A+ | AA |
Nationwide
Nationwide Mobile AppThis app allows you to:
Download the Nationwide Mobile App app. Nationwide Mobile Banking AppThis app can be downloaded to your web browser or your mobile phone. The app grants you access to your Nationwide bank accounts. It also lets you stay on top of your insurance related finances. You can deposit checks or pay insurance bills at home or by phone. Click here for more information and to download the Mobile Banking App. |
State Farm
State Farm has seven mobile apps for your smartphone or web browser that can manage your insurance policies. Pocket AgentThis app lets you:
You can also use it to pay any pending insurance premiums and deposit checks to your State Farm bank accounts. To make the app more secure, State Farm has added a fingerprint Touch ID feature you can use to login. CarCaptureThis app is powered by Edmunds.com, a car shopping website. The app recognizes any vehicle you take a picture of from the back. It can tell you anything you want to know about it. You can learn its market value and even locate a nearby dealership. You could even do this while getting a State Farm auto insurance quote. Steer ClearThis app encourages good, smart driving behaviors. It lets you earn discounts for driving well while teaching you safe driving behaviors. Some new features include driving tips for dangerous weather conditions and videos about others’ driving experiences. Driver FeedbackThis an app for drivers of all ages looking to improve their driving habits. The app focuses on the driving actions of accelerating, braking, and cornering, since they are the most risky behaviors. The app uses your phone’s accelerometer to measure and score these areas. And then it provides you with tips based on your results. Driver Feedback Instructor EditionThis app was created with drivers-ed and parent instructors in mind. It helps instructors track the progress of their student drivers in a smart and easy way and give real-time feedback. Drive Safe & Save MobileThis app is a free app you can use to help save money on auto insurance. The gist is that the less you drive and safer you drive, the more you have a chance of saving. The app also includes a wifi option so you can save data on your phone plan. MoveToolsThis app makes the moving process that much easier. You can use MoveTools to virtually pack your belongings. The app has a feature that let you label your boxes and write down each one’s contents. That can help you keep track of them during the move. Click here to learn more and download any of these State Farm mobile apps.
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Nationwide
Nationwide Roadside AssistanceNationwide Roadside Assistance offers two levels of coverage that apply to everyone on your policy. It doesn't matter who's car you might be in. Nationwide Roadside Assistance BasicServices covered:
Nationwide Roadside Assistance PlusCovers all the services of the basic plan plus:
Contact Phone NumberCall 1 (800) 421-3535. Visit Nationwide's roadside service website here. This service can help if you need a: locksmith, jumpstart, tire fixed, tow, or gas delivered. |
State Farm
State Farm Emergency Road ServiceThis service can help if you need:
Or if your car is stuck somewhere. Roadside Assistance Services Covered
Services Not Covered
Contact Phone NumberState Farm’s Emergency Road Service is available by calling 1 (877) 627-5757. You can visit the State Farm Roadside Assistance website here. |