Alfa Alliance vs. Nationwide: Which Company is the Best Fit for You?

Looking for car insurance and wondering if Alfa Alliance or Nationwide is the right company for you? If so, you're probably wondering which carrier has the cheapest premiums or the biggest discounts. Luckily, we've done the heavy lifting for you and compared the two companies to help you find the best deal on your next car insurance policy.
Newly insured car driving down the road
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Quick Facts

  • In general, Nationwide offers cheaper rates than Alfa Alliance
  • Alfa Alliance has less expensive prices for policyholders who don't have any speeding tickets, DUIs, or at-fault accidents on their record
  • Nationwide has cheaper rates for couples purchasing insurance together


Alfa Alliance vs. Nationwide: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. After all, you've seen ads from all sorts of companies offering pretty big discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to Alfa Alliance or Nationwide as potential options, but which company has more affordable premiums for auto insurance?

Alfa Alliance Nationwide
$194$170

Looking at the national average rates for both companies, Nationwide has average rates that are about 12% per month less expensive than those from Alfa Alliance.

That being said, Nationwide may not be the most affordable or best option for each driver out there. After all, insurance carriers can offer drastically different rates to each driver depending on rating factors like your age, where you call home, your driving record, or even your credit score (among other things). So, at the end of the day, prices from every company will differ quite a bit from person to person.

Luckily, we've broken down average rates from both Alfa Alliance and Nationwide by a range of different rate factors, so read on to find out which carrier is the best for you.

Alfa Alliance or Nationwide: Average Car Insurance Rates by State

State Alfa Alliance Nationwide
VA$194$122

Alfa Alliance and Nationwide only compete against each other in Virginia, where Nationwide offers the cheaper average prices. For Virginia residents, Nationwide offers car insurance for $122 monthly on average. Alfa Alliance's average premiums come out to be over 50% more expensive, at $194 per month.

There's a lot more that goes into your auto insurance cost than just where you live. Keep reading to find out more.


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Which is the Best Company For Young Drivers?

Alfa Alliance Nationwide
18-year-old drivers$256$380
25-year-old drivers$218$148

You might already know that teen drivers generally pay a lot more for insurance than any other group of drivers out there on the road. That's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of more than $100 less a month by choosing Alfa Alliance over Nationwide.

However, with both companies, you'll see your prices decrease significantly by the time drivers turn 25. For example, average rates for Alfa Alliance policyholders drop nearly $40 and Nationwide's premiums reduce around $250 over that time.

Which is the Best Company for Retired Drivers?

Alfa Alliance Nationwide
65+-year-old drivers$155$125

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest prices you'll ever see.

So, which company offers the best premiums to retired drivers? Nationwide gets the edge here, with average rates coming in at about $125 a month compared to Alfa Alliance's $155.

Which is the Best Company for Married Drivers?

Alfa Alliance Nationwide
Single$209$201
Married$175$129

You may not be aware, but auto insurance premiums tend to be more expensive for single drivers than they are for married couples. That's usually because married drivers tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, the two carriers are comparable for those who are single, with rates only differing around $8 per month, on average. But for married policyholders, the advantage is clear - Nationwide has the edge when it comes to average prices.

Alfa Alliance vs. Nationwide: Average Rates by Gender

Alfa Alliance Nationwide
Male$195$176
Female$194$164

Because men are more likely to get tickets and get into collisions, they raise the chances of filing a claim with insurance. Therefore, insurance companies will tend to charge men more than women.

Women typically pay about $1 a month less than men with Alfa Alliance, and over $10 cheaper with Nationwide when compared to their male counterparts.

When it comes to the most affordable rates for each gender, Nationwide comes out as the cheapest option for both genders, with average prices 10% less for men and 15% cheaper for women.


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Alfa Alliance or Nationwide: Compare State Minimum vs. Full Coverage Rates

Alfa Alliance Nationwide
State Minimum*$103$112
Full Coverage**$286$229

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

It's no secret that car insurance can be pretty complicated. Everyone needs insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

But the most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers and their passengers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability).

In this case, Alfa Alliance offers the lowest average premiums for state minimum liability limits, while Nationwide has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $10 with Alfa Alliance Insurance, while full coverage comes out to be around $55 more affordable with Nationwide.

Is Alfa Alliance or Nationwide Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Tickets and collisions will most likely raise your prices, but is Alfa Alliance or Nationwide cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Alfa Alliance Nationwide
Clean Record$107$125
1 Speeding Ticket$130$149

Alfa Alliance policyholders can expect their rates to go up an average of $23 per month if they get a ticket, while Nationwide normally raises premiums about $24 a month, on average.

Even so, Alfa Alliance has less expensive prices for drivers in both categories. Drivers with a clean record can save around $18 per month and drivers with a speeding ticket can save about $19 a month with Alfa Alliance Insurance.

Which Company is Best for Drivers After an Accident?

Alfa Alliance Nationwide
Clean Record$107$125
1 At-Fault Accident$162$178

Both carriers will increase premiums pretty significantly if you get into an at-fault accident with Alfa Alliance climbing by $55. Nationwide has a less extreme increase, but you can still expect to pay just under $55 more than you were prior to your first collision.

Overall, Alfa Alliance offers the most affordable rates for drivers with an at-fault accident on their records, with monthly premiums averaging $162 compared to Nationwide's $178.

Which Company is Best for Drivers with a DUI?

Alfa Alliance Nationwide
Clean Record$107$125
1 DUI$378$230

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- generally a lot more than a collision or ticket. For example, Alfa Alliance increases average rates by over $250 per month -- that's over a 70% increase.


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How does Credit Score Impact Alfa Alliance and Nationwide Rates?

Did you know that many insurance companies take into account your credit score when calculating prices? This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it does affect a lot of policyholders out there.

Auto insurance carriers argue that those with poor credit scores are less likely to pay their bills on time each month, which increases the risk involved on their end, while the opposite is true for those with good credit.

So, which carrier offers the best rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Alfa Alliance Nationwide
Excellent Credit Score$114$133
Good Credit Score$119$153

Which Company is Best for Drivers with Bad Credit?

Alfa Alliance Nationwide
Fair Credit Score$140$179
Poor Credit Score$405$215

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Is Alfa Alliance or Nationwide Better for Drivers who Work from Home or Have Short Commutes?

Alfa Alliance Nationwide
6,000 Annual Miles$194$170
12,000 Annual Miles$194$171

How much you drive can have a considerable impact on your monthly premiums. Typically, the more miles you put on your car, the more you can expect to pay for car insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Alfa Alliance charges. However, there's a small difference in monthly prices for Nationwide, with policyholders who drive 6,000 miles every year paying around $1 less each month compared to those who drive 12,000 miles annually. Still, Nationwide is the cheaper option for drivers in both categories.

Alfa Alliance vs. Nationwide: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a sizable impact on your monthly insurance bill. Normally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers due to the number of vehicles that are on the roads in those areas.

Alfa Alliance Nationwide
Urban Areas$200$199
Suburban Areas$234$159
Rural Areas$149$151

Nationwide usually comes out as the more affordable option for drivers in urban and suburban areas, while Alfa Alliance wins in rural areas.

Those in rural areas can expect to pay about $149 monthly with Alfa Alliance and $151 with Nationwide. Drivers in suburban ZIP codes pay around $159 with Nationwide compared to Alfa Alliance's $234 a month. In urban areas, Nationwide's average rates are about $199 a month compared to Alfa Alliance's $200.

Alfa Alliance vs. Nationwide Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many auto insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you can take advantage of.

In the table below, we've broken down all of the different discounts offered by both Alfa Alliance and Nationwide so that you can find the one that has the most discounts and, therefore, the biggest savings.

Alfa Alliance Nationwide
Advance Quote Discount
Agency Transfer Discount 
Anti-Theft Discount 
Defensive Driver Discount 
Distant Student Discount 
Driver Training Discount
EFT Discount 
Employee Discount 
Good Driving Discount
Good Student Discount
Group Discount 
Homeowner Discount
Intra-Agency Transfer Discount
Life Policy Discount 
Mature Driver Discount 
Multi-Policy Discount
New Vehicle Discount 
Paid In Full Discount 
Paperless Discount 
Passive Restraint Discount 

Nationwide knocks Alfa Alliance out of the park when it comes to the sheer number of discounts available, offering 22 different discounts to Alfa Alliance's 22.

A couple of those are overlapping for things like discounts for getting driver training, discounts for being a good student, and discounts for being a homeowner. Nationwide also offers agency transfer discounts, anti-theft discounts, defensive driver discounts, and more that Alfa Alliance does not.

On the flip side, Alfa Alliance has a couple unique discounts of its own -- mature driver discounts, paid in full discounts, and renewal discounts.


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Final Thoughts: Is Alfa Alliance or Nationwide Best for You?

You've seen the role certain factors have on your insurance and the different discounts companies offer. But, at the end of the day, which carrier is the right company for you and your specific needs?

Nationwide might be best for you if....

  • You have a DUI charge on your record.
  • You live in an urban area.
  • You are over 65 years old and want to save some money on your car insurance.


Alfa Alliance might be best for you if...

  • You don't have any speeding tickets, DUIs, or at-fault accidents on your record.
  • You want basic insurance coverage at the state minimum limits.
  • Your neighborhood is in a rural area.

We hope this guide helps you get a good idea of the differences between Alfa Alliance and Nationwide and that it aids in making a more informed decision about your auto insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from a handful of carriers, not just Alfa Alliance and Nationwide. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best car insurance companies in your area, all for free.


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Alfa Alliance vs. Nationwide FAQs

Is Alfa Alliance or Nationwide cheaper?

Looking just at the national average prices, Nationwide is the less expensive of the two carriers, offering average rates of $170 per month compared to $194 for Alfa Alliance. But Nationwide won't necessarily be the cheapest company for every driver, since there are several different variables that are considered when it comes to your auto insurance payment.

Who is better, Alfa Alliance or Nationwide?

Unfortunately, the answer truly is "it depends.". No single carrier is "better" for each driver -- it all boils down to your unique insurance profile. For example, Nationwide offers cheaper rates for drivers with a recent DUI, while Alfa Alliance is less expensive for drivers with excellent credit.

Why do Alfa Alliance and Nationwide offer me different rates?

Auto insurance companies take a look at several different factors when determining the premiums they charge policyholders. Things like gender, age, where your home is, your driving record, and sometimes even things like your credit score can all be used. Both Alfa Alliance and Nationwide use different formulas, so each one will most likely offer different prices. The only real way to see which company is the lowest for you is by comparing personalized quotes from lots of different carriers.

How do I know if Alfa Alliance or Nationwide is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best auto insurance carriers in your area. With those, you can guarantee you're getting the best premium. And who knows, the best company for you might not be Alfa Alliance or Nationwide at all!


Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.

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