By the Five Star Insurance Reviews editorial team ยท Updated October 13, 2026
State Farm vs Nationwide: which fits you better?
Neither carrier is the cheapest for everyone. This guide compares general features so you know what to ask when quotes arrive.
| State Farm | Nationwide | |
|---|---|---|
| Best for | Drivers who want a local agent | Drivers interested in accident forgiveness |
| Strengths | Large agent network Savings for bundling home, renters or life | Accident forgiveness may be offered (eligibility varies) Flexible policy customization |
| Watch out for | Agent-based buying can take longer than online-only | Availability of features differs by state |
Swipe sideways if the table is cut off.
Where they differ
What they share
- Rewards bundling home and auto
More of a State Farm strength
- Local agents available
More of a Nationwide strength
- Wide menu of customizable coverage
Sold through, availability and programs
| State Farm | Nationwide | |
|---|---|---|
| Sold through | Local State Farm agents, plus online quoting | Independent agents, online quotes or by phone |
| Where available | Check your state | 46 states and DC (not Alaska, Hawaii, Louisiana or Massachusetts) |
| AM Best rating | A++ | A+ or A (sources differ) |
| Usage-based program | Drive Safe & Save, not offered in every state | SmartRide, and SmartMiles pay-per-mile |
Swipe sideways if the table is cut off.
Details verified October 2026 from carrier websites, AM Best and published reviews. AM Best ratings and state availability can change, so confirm with the carrier and at ambest.com.
Who each fits best
- State Farm tends to suit drivers who want a local agent.
- Nationwide tends to suit drivers interested in accident forgiveness.
How to decide
- Match the carrier to how you like to buy and manage a policy.
- Compare the same coverage limits and deductibles on every quote.
- Ask each carrier which discounts are applied.
Based on each carrier’s published features. Details vary by state, so confirm with each carrier.
Read the full reviews: State Farm and Nationwide.
Related comparisons
FAQs
Is State Farm or Nationwide cheaper?
It depends on you. Each carrier weighs age, location, vehicle and history differently, so compare personal quotes from both.
Who is each company best for?
State Farm tends to suit drivers who want a local agent. Nationwide tends to suit drivers interested in accident forgiveness.
Can I get quotes from both?
Often yes. Request quotes through our partner and compare the offers side by side.
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