Nationwide vs. Workmen’s Auto: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for insurance, Workmen's Auto offers less expensive rates than Nationwide
• Nationwide may help you save more money -- they offer more discounts than Workmen's Auto Insurance
• Workmen's Auto tends to be a much cheaper option for policyholders whose driving record contains an at-fault collision

Nationwide or Workmen's Auto: Which Company has the Cheapest Car Insurance?

Are you considering 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 might have narrowed it down to Nationwide or Workmen's Auto, but which company will save you the most?

Looking at nationwide averages, Nationwide has average rates that are around 11% a month more expensive than those from Workmen's Auto.

However, Workmen's Auto may not be the cheapest or best option for each driver out there. Car insurance carriers vary their premiums depending on things like how old you are, how clean your driving record is, how good your credit score is, where you live, and tons of other factors, so rates could differ drastically from person to person.

Luckily, we've broken down average prices from both Nationwide and Workmen's Auto by many different rate factors, so read on to find out which company is the best for you.

Nationwide vs. Workmen's Auto: Average Car Insurance Rates by State

Nationwide and Workmen's Auto only compete against each other in California, where Workmen's Auto offers the cheaper average premiums. Workmen's Auto drivers tend to pay about $68 per month less on average compared to drivers who use Nationwide for their auto insurance.

There are plenty of other factors that go into your car insurance payment than just your home state. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

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 normally because teen drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

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 almost 15% less a month by choosing Workmen's Auto over Nationwide. It's worth noting that Nationwide offers insurance in 34 different states compared to Workmen's Auto's one, which can skew the average prices a bit, but the difference here is still considerable.

That being said, both companies will offer you dramatically lower rates by the time drivers turn 25. For example, average premiums for Nationwide policyholders drop over 60% and Workmen's Auto's rates reduce nearly 60% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the most affordable car insurance prices you can find. After all, they've likely been driving for quite some time, which typically decreases their chances of collisions and other infractions that can raise rates.

When looking at Nationwide and Workmen's Auto specifically, which carrier is best for retired drivers? In this case, Workmen's Auto has the slight edge, with prices about $1 per month less than Nationwide. But the difference is only around 5%, so other factors (like your driving record or where you live) will likely come into play when determining which company has the lowest premiums for you.

Which is the Best Company for Married Drivers?

Did you know that auto insurance prices are generally more expensive for single drivers than they are for married couples? That's because policies for married drivers usually cover several vehicles, which quite a few carriers will give you a discount for.

For single policyholders, the difference in average rates between these two companies is significant, with Workmen's Auto premiums coming in at about 15% less than Nationwide's. It's not quite so glaring for married policyholders, where drivers who use Workmen's Auto save almost 10% a month.

Nationwide or Workmen's Auto: Average Rates by Gender

Men are statistically more likely than women to get into a collision or get pulled over for speeding. That means when it comes to car insurance men will typically end up paying a little more.

On average, women see prices around 7% per month less with Nationwide; men and women end up paying the same monthly premiums with Workmen's Auto.

Looking at the data for each carrier specifically, Workmen's Auto offers the most affordable average rates for both men and women. On average, male drivers save about $25 a month and women save about $13 with Workmen's Auto compared to the average Nationwide policyholder.

Nationwide vs. Workmen's Auto: Compare State Minimum vs. Full Coverage Rates

*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.

Insurance can be a complicated subject for most people. There are so many different terms and coverages that it can make it pretty confusing to find the right policy for you.

Even so, most policies end up falling into two different types of coverage -- liability coverage (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability coverage).

When it comes to state minimum liability insurance, Workmen's Auto has the edge, while Nationwide offers the cheapest average premiums for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $45 with Workmen's Auto Insurance, while full coverage comes out to be around $6 more affordable with Nationwide.

Is Nationwide or Workmen's Auto Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with at-fault accidents and speeding tickets on your record, but which of these two carriers offers the lowest rates to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Nationwide for their insurance can normally expect their monthly bill to go up about 16% after getting a speeding ticket. Workmen's Auto policyholders can expect a bit more drastic of an increase of around 23%.

However, Workmen's Auto tends to offer the best prices for drivers both with a ticket and with a clean record, offering prices that are 11% and 3% cheaper, respectively, compared to Nationwide.

Which Company is Best for Drivers After an Accident?

Nationwide policyholders who get in a collision can expect to see their premiums rise by just under $55, while those who have insurance through Workmen's Auto will see about a $45 increase.

At the end of the day, Workmen's Auto offers the most affordable prices for drivers with an at-fault accident on their records, with average rates coming in at $156 compared to Nationwide's $178.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- usually a lot more than an accident or speeding ticket. For example, Nationwide increases average premiums by more than $100 per month -- that's more than a 45% increase.

Workmen's Auto has the overall lowest rates for drivers with a DUI on their records at $191 monthly, but it's worth noting that Nationwide's average rates come from 34 states compared to just one for Workmen's Auto, so the data may be skewed slightly.

How does Credit Score Impact Nationwide and Workmen's Auto Rates?

Did you know many insurance companies take your credit score into account when determining prices? This isn't true for everyone (for example, Massachusetts and California are two states that ban the practice entirely), but it does affect a lot of drivers out there.

Car insurance carriers 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, policyholders with good credit will often be rewarded with less expensive premiums.

So, which company offers the cheapest prices for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

You'll often be rewarded if you have excellent credit. Improving your "good" credit score to an "excellent" one will typically save Nationwide customers around 15%. On the other hand, Workmen's Auto doesn't have data available for credit scores, which means they most likely don't use credit to calculate your rates.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit, it can cost you with Nationwide. For drivers with less-than-stellar credit, at Nationwide, you may pay about $35 a month more if you have "poor" credit compared to those with "fair" scores. It's an even larger difference when compared to drivers with "good" or "excellent" scores. Workmen's Auto, on the other hand, doesn't have data available for credit scores, which means drivers with bad credit might find better rates with Workmen's Auto over Nationwide.

Is Nationwide or Workmen's Auto Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in how much auto insurance companies will charge for coverage. That's because the fewer miles you put on your car, the less likely you are to be in a collision and file an insurance claim.

Looking specifically at Workmen's Auto and Nationwide, Nationwide is the more affordable option for people with short commutes, while Nationwide has better premiums for those who work from home. Workmen's Auto average rates for drivers with 6,000 annual miles come in nearly $45 less expensive than Nationwide. Those who drive 12,000 miles every year can expect to pay $4 less with Nationwide over Workmen's Auto.

Nationwide or Workmen's Auto: 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 insurance, but the type of area you live in can have a considerable impact as well. 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 where they live.

Workmen's Auto boasts the lowest average prices 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 1% with Workmen's Auto compared to Nationwide. People who live in suburban areas pay about 3% less with Workmen's Auto compared to Nationwide. For policyholders in urban ZIP codes, Workmen's Auto Insurance's average premiums are around 25% less than Nationwide.

Nationwide vs. Workmen's Auto Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by taking advantage of as many car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be difficult to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Nationwide and Workmen's Auto so that you can see which one can save you the most money each month.

Nationwide blows Workmen's Auto away when it comes to the sheer amount of discounts available, offering 18 more discounts than Workmen's Auto.

Both carriers offer quite a few of the same discounts -- like discounts for being a good driver -- but Nationwide also offers discounts for advance quote, agency transfer, anti-theft, and more.

On the other hand, Workmen's Auto has a few proprietary discounts of their own for things like driver-vehicle combination discounts, mature driver discounts, and renewal discounts.

Final Thoughts: Is Nationwide or Workmen's Auto Best for You?

You've seen the effect certain variables have on your auto insurance and the different discounts companies offer. But, at the end of the day, which insurance company is the best company for you, your vehicle, and your wallet?

Workmen's Auto might be best for you if....

• You haven't received any speeding tickets or been in an accident in the last few years.
• You're looking for the best prices on liability only coverage.
• You don't spend much time in your car.

Nationwide might be best for you if...

• Your credit is less-than-stellar.
• You care about discounts (Nationwide offers the most).
• You drive often but have a short commute.

Hopefully, this guide helps you get a good idea of the differences between Nationwide and Workmen's Auto. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple carriers, not just Nationwide and Workmen's Auto. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

Nationwide vs. Workmen's Auto FAQs

Is Nationwide or Workmen's Auto cheaper?

Workmen's Auto is the cheaper of the two carriers when looking at national average rates, with policies averaging $151 per month with Workmen's Auto and $170 for Nationwide. But that doesn't mean Workmen's Auto will be the cheapest carrier for each driver, since there are multiple different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Nationwide or Workmen's Auto?

Unfortunately, the only answer we can give you is "it depends.". No single company is "better" for everyone -- it all comes down to what your unique insurance profile looks like. For example, Nationwide is more affordable for drivers with excellent credit, while Workmen's Auto offers cheaper premiums for drivers with a recent DUI.

Why do Nationwide and Workmen's Auto offer me different rates?

Car insurance companies use lots of different variables when calculating the rates they charge. Things such as gender, your driving record, age, where you call home, and sometimes even things like your credit score can all be used. Both Nationwide and Workmen's Auto calculate prices using different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from several different carriers.

How do I know if Nationwide or Workmen's Auto is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top car insurance carriers for free. With those, you can guarantee you're getting the best premium. And maybe you'll find that the best carrier for you isn't Nationwide or Workmen's Auto 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.