Allied Property & Casualty vs. Nationwide: Which Company is the Best Fit for You?

Wondering if Allied Property & Casualty or Nationwide is the best auto insurance carrier for you, your vehicle, and your wallet? We've broken down all the rates and discounts for both companies to help you make a more informed decision. Read on to learn more.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for insurance, Allied Property & Casualty offers significantly cheaper premiums than Nationwide
  • Allied Property & Casualty offers less expensive average prices for policyholders who are looking to purchase insurance with a spouse
  • Nationwide may help you save more money -- they offer more discounts than Allied Property & Casualty Insurance Company


Allied Property & Casualty or Nationwide: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering huge savings. But exactly how much can you save by switching?

You've maybe even narrowed it down to Allied Property & Casualty or Nationwide as your top options, but which one has more affordable premiums for auto insurance?

Allied Property & Casualty Nationwide
$118$170

Looking at the national average rates for both carriers, Nationwide has average rates that are around 30% a month more expensive than those from Allied Property & Casualty.

But Allied Property & Casualty may not be the cheapest or best option for every single driver out there. After all, car insurance companies can offer drastically different rates to every driver depending on rating factors like where you call home, your driving record, your credit score, or even your age (among other things), so prices could vary drastically from person to person.

Luckily, we've broken down average rates from both Allied Property & Casualty and Nationwide by a bunch of different rate factors, so read on to find out which company is the best for you.

Allied Property & Casualty vs. Nationwide: Average Car Insurance Rates by State

State Allied Property & Casualty Nationwide
NC$131$117

Allied Property & Casualty and Nationwide only compete against each other in one states, with Nationwide offering cheaper prices to the average driver in all of them. North Carolina has the most noticable difference, where Nationwide premiums are $14 less expensive than insurance rates at Allied Property & Casualty.

There's a lot more that goes into your auto insurance cost than just the state you live in. Keep reading to learn more.


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Which is the Best Company For Young Drivers?

Allied Property & Casualty Nationwide
18-year-old drivers$234$380
25-year-old drivers$110$148

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

That being said, that doesn't mean that teen drivers have to just accept sky-high car insurance prices. For example, 18-year-old drivers pay an average of almost 40% less per month by choosing Allied Property & Casualty over Nationwide.

Even so, both carriers will decrease rates by the time you turn 25. For example, average premiums for Allied Property & Casualty policyholders lower nearly 55% and Nationwide's rates drop over 60% over that time.

Which is the Best Company for Retired Drivers?

Allied Property & Casualty Nationwide
65+-year-old drivers$89$125

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest prices out there.

But who has the best premiums for retired drivers between Allied Property & Casualty and Nationwide? Allied Property & Casualty gets the edge, with rates for drivers 65 and older almost 30% more affordable than the national average for Nationwide.

Which is the Best Company for Married Drivers?

Allied Property & Casualty Nationwide
Single$136$201
Married$94$129

Did you know that auto insurance prices are usually cheaper for married couples than they are for those who are single? This usually boils down to married policyholders having multiple vehicles on their policy -- something many car insurance companies will reward with discounts.

For single drivers, the difference in average premiums between these two carriers is significant, with Allied Property & Casualty rates coming in at a third less than Nationwide's. For married drivers, the advantage is clear again - Allied Property & Casualty has the edge when it comes to average premiums.

Allied Property & Casualty or Nationwide: Average Rates by Gender

Allied Property & Casualty Nationwide
Male$121$176
Female$115$164

Men normally pay more for auto insurance than women. That's because women are less likely to get into accidents and get speeding tickets, which lowers the chances of filing a claim with insurance.

Men generally pay about $6 a month more than women with Allied Property & Casualty, and around $12 more with Nationwide.

Looking at overall affordability, Allied Property & Casualty comes out on top for both men and women. On average, women save about $49 per month and men save about $55 with Allied Property & Casualty compared to the average Nationwide policyholder.


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Allied Property & Casualty vs. Nationwide: Compare State Minimum vs. Full Coverage Rates

Allied Property & Casualty Nationwide
State Minimum*$69$112
Full Coverage**$167$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 insurance can be pretty complicated. There are so many different coverages and terms that it can make it pretty confusing to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers and passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability coverage).

Looking specifically at state minimum liability limits, Allied Property & Casualty has the significant edge, with average monthly prices coming in at $69. If you want a full coverage policy with the same state minimum limits, Allied Property & Casualty again has the edge, with policies averaging around $167 a month to Nationwide's $229.

Is Allied Property & Casualty or Nationwide Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance companies offering great premiums for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that collisions and speeding tickets lead to higher rates, but which carrier -- Allied Property & Casualty or Nationwide -- has the most affordable prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Allied Property & Casualty Nationwide
Clean Record$77$125
1 Speeding Ticket$98$149

Policyholders who use Allied Property & Casualty for their auto insurance can usually expect their monthly bill to go up about 21% after getting a speeding ticket. Nationwide policyholders can expect a less drastic increase of around 16%.

However, Allied Property & Casualty tends to offer the best prices for drivers both with clean records and with a ticket, offering premiums that are $48 and $51 more affordable, respectively, compared to Nationwide.

Which Company is Best for Drivers After an Accident?

Allied Property & Casualty Nationwide
Clean Record$77$125
1 At-Fault Accident$119$178

Allied Property & Casualty drivers who get in an accident can expect to see their prices rise by over $40, while those who have insurance through Nationwide will see about a $55 increase.

At the end of the day, the less expensive rates come from Allied Property & Casualty, with average prices coming in at $119 compared to Nationwide's $178.

Which Company is Best for Drivers with a DUI?

Allied Property & Casualty Nationwide
Clean Record$77$125
1 DUI$179$230

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your insurance bill. Nationwide drivers usually see a 46% raise in their car insurance premiums after a DUI charge, while Allied Property & Casualty will typically climb rates by around 57%.


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How does Credit Score Impact Allied Property & Casualty and Nationwide Rates?

Did you know many insurance carriers take into account your credit score when determining premiums? This isn't true for everyone (Michigan, for example, has banned the use of credit score as an insurance factor) but it might come into play for a lot of policyholders.

Car insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with more affordable prices.

So, which company offers the best rates for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Allied Property & Casualty Nationwide
Excellent Credit Score$94$133
Good Credit Score$106$153

Which Company is Best for Drivers with Bad Credit?

Allied Property & Casualty Nationwide
Fair Credit Score$125$179
Poor Credit Score$149$215

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Is Allied Property & Casualty or Nationwide Better for Drivers who Work from Home or Have Short Commutes?

Allied Property & Casualty Nationwide
6,000 Annual Miles$118$170
12,000 Annual Miles$118$171

Did you know that the amount of time you spend in your car have a substantial impact on your monthly auto insurance payment? Generally, the more milage 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 Allied Property & Casualty charges. However, there's a small difference in monthly premiums for Nationwide, with policyholders who drive 6,000 miles annually paying about $1 less each month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Allied Property & Casualty is the cheaper carrier.

Allied Property & Casualty or Nationwide: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a big impact as well. Normally, those who live in urban areas will pay more than drivers in rural areas since there are a lot more vehicles on the roads where they live.

Allied Property & Casualty Nationwide
Urban Areas$117$199
Suburban Areas$121$159
Rural Areas$117$151

Allied Property & Casualty tends to offer the cheapest rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save around $34 with Allied Property & Casualty compared to Nationwide. People who live in suburban areas pay about $38 less with Allied Property & Casualty compared to Nationwide. For policyholders in urban ZIP codes, Allied Property & Casualty Insurance Company's average prices are around $82 less than Nationwide.

Allied Property & Casualty vs. Nationwide Discounts

You want to save as much money as you can, right? The best way to do that is by utilizing as many insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you're eligible for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Allied Property & Casualty and Nationwide so that you can see which carrier can save you the most money each month.

Allied Property & Casualty 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
Multi-Car Discount 
Multi-Policy Discount
New Vehicle Discount
Paperless Discount
Passive Restraint Discount
Preferred Customer Discount 

Nationwide blows Allied Property & Casualty away when it comes to the sheer amount of discounts available, offering six more discounts than Allied Property & Casualty.

There are a couple discounts both carriers offer, but Nationwide also offers discounts for agency transfer, anti-theft, driver training, and more.

On the other hand, Allied Property & Casualty has a proprietary discount of their own -- a multi-car discounts.


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Final Thoughts: Is Allied Property & Casualty or Nationwide Best for You?

So, you've seen how different variables can affect your auto insurance rates. We've broken down the different discounts each carrier offers, too. That's all well and good, but at the end of the day, which company is the right company for you, your vehicle, and your wallet?

Allied Property & Casualty might be best for you if....

  • Your credit is less-than-stellar.
  • You're married and plan to have both of your names on the vehicle's insurance policy.


Nationwide might be best for you if...

  • You value the experience that comes with a large national car insurance carrier.
  • You're looking for discounts -- Nationwide has the most.

Hopefully, this guide has ben a valuable resource as you compare Allied Property & Casualty and Nationwide and that it aids in making a more informed decision about your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several companies, not just Allied Property & Casualty and Nationwide. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.


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Allied Property & Casualty vs. Nationwide FAQs

Is Allied Property & Casualty or Nationwide cheaper?

Allied Property & Casualty is the less expensive of the two companies when looking at national average premiums, with policies averaging $118 per month with Allied Property & Casualty and $170 for Nationwide. That being said, that doesn't mean Allied Property & Casualty will be the most affordable company for everyone, since there are several different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Allied Property & Casualty or Nationwide?

Unfortunately, the answer truly is "it depends.". One carrier is not "better" for every policyholder -- it all depends on the makeup of your unique insurance profile.

Why do Allied Property & Casualty and Nationwide offer me different rates?

Car insurance carriers use lots of different variables when calculating the rates they charge. Factors such as age, your driving record, where you call home, gender, and sometimes even things like your credit score can all come into play. Both Allied Property & Casualty and Nationwide calculate premiums using different variables, so it's likely they'll offer different prices. The best way to determine which company is the lowest for you is by comparing personalized quotes from a variety of different companies.

How do I know if Allied Property & Casualty or Nationwide is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from a handful of carriers 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 quotes from dozens of your local top car insurance companies for free. With those, you can guarantee you're getting the most affordable premium. And maybe you'll find that the best company for you isn't Allied Property & Casualty or Nationwide at all, but another you hadn't even thought of!


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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