Comparing coverage options: Nationwide vs State Farm
Choosing the right insurer starts with knowing how their coverages really differ. Nationwide and State Farm both offer broad auto and property protections, but the mix of options, add-ons, and service models isn’t identical. A clear, side-by-side look helps you pick what actually fits your risk and budget.
Below you’ll find a concise comparison of core protections and popular extras, plus quick links to quote and bundle. Use it as a checklist while you price both carriers in your ZIP.
Coverage options compared
Both carriers include the staples—liability, collision, comprehensive, medical payments, uninsured/underinsured motorist—then layer on optional features. Nationwide leans into customization (e.g., accident forgiveness, vanishing deductible), while State Farm is known for strong local-agent support and a large direct-repair network for claims.
Get auto insurance quotes
Instantly compare Nationwide vs State Farm rates in your area.
Liability & collision: Expect similar base limits from both; pricing swings with driving record, garaging ZIP, and vehicle class. Compare at equal deductibles to keep it apples-to-apples.
Comprehensive: Hail, theft, glass—Nationwide’s vanishing deductible can offset small losses over time; State Farm’s glass options and repair network can be convenient if you prefer in-network shops.
Discounts & bundles: Both offer multi-policy, safe driver, and good student savings. If you carry home or landlord coverage, get stacked quotes to see which bundle nets more.
Claims & service: Nationwide features strong digital tools and optional accident forgiveness; State Farm’s local agents and large adjuster network can speed scheduling and estimates.
Which insurer is better for you?
If you want more knobs to turn on deductibles and add-ons, Nationwide is often the flexible pick. If you prefer in-person help and extensive shop relationships, State Farm may feel simpler day-to-day. Quote both at identical limits and deductibles, then choose the total value—price + features + service access.
Frequently asked questions
What coverages do both include?
Liability, collision, comprehensive, med pay, and UM/UIM are available from both, with optional extras and bundles.
How do I get a quote?
Use the form above or request quotes on each carrier’s site; match limits/deductibles for a fair comparison.
Do both have discounts?
Yes—multi-policy, safe driver, telematics, and student discounts are common. The value depends on your profile and ZIP.