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Allied Car Insurance Review

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Allied Auto Insurance Introduction

Before it joined Nationwide, Allied auto insurance was one of the cheapest in the country. Still, the company has some of the best insurance deals and many advantages over many other companies.

As of 2020, Nationwide, Allied's parent company has taken over all of Allied's business. As a result, its old website has been taken down, and there are no longer any new sales policies. Read on to learn more about this insurance company's history, background, and auto insurance rates.

Pros and Cons

Accident-free drivers Bad experience for online users
Farm Bureau members  
Owners of new cars  

Allied Auto Insurance Coverages

As a division Nationwide, Allied offers a wide range of extra coverages and benefits that can be added to your car insurance policy. For example, Allied offers "good as new" coverage, sometimes called "new car replacement," to people who drive new cars. This coverage will pay for a brand-new replacement car if your new car is stolen or written off for up to three years after you buy it.

The loss-of-use coverage offered by Allied is also more flexible than most of its competitors. For example, you can rent a car with the money. You can also pay for other ways to get around, like a ride-hailing service or public transportation.

Optional coverages for Allied car insurance

  • Loss of use coverage: This helps pay for other ways to get around while your car is fixed after an accident.
  • Accident and minor violation forgiveness : This will keep your rates from going up after one accident or minor violation, like a speeding ticket, for which you were at fault.
  • Good-as-new coverage: This will pay to replace your car up to three years after you buy it if it is stolen or written off.
  • Gap coverage: This will pay the difference between your car's actual cash value (ACV) and the amount left on your lease or loan if your car is stolen or written off.
  • Vanishing Deductible: Your deductible will go down by $100 for every year you don't have an accident.
  • Total loss deductible waiver: This will pay for your collision or a comprehensive deductible if your car is totaled in an accident.
  • Roadside assistance: This can help you in many ways when your car breaks down.

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Allied Extra: Why bundling home and car insurance is a good idea!

If you buy your home and car insurance from Allied together, you will automatically get a few "Allied Extra" benefits. Benefits include:

  • If your home and car are damaged in the same accident, you only have to pay one deductible (such as a fire).
  • The locksmith service is free if you get locked out of your house or car.
  • After an accident, it's free to get a new airbag.
  • If you die in a covered car accident, you get a free $10,000 death benefit for an accident.

These extras are on top of Allied's multi-policy discount. If Allied's home and auto insurance rates are competitive, these extras may make a bundle even more appealing.

Common coverages from Allied: Allied also offers all of the legal coverages and other common coverages for car insurance:

  • When you cause an accident and are at fault, liability insurance pays for other people's property damage and medical bills.
  • Medical payments/PIP pay for your medical bills, no matter who caused the accident.
  • Uninsured/underinsured motorist coverage pays for your own medical and property damage costs if the other driver is at fault in an accident but does not have liability insurance.
  • Collision coverage pays for the damage to your car after an accident, no matter who was at fault.
  • Comprehensive coverage pays for damage or theft that doesn't happen in a car accident.

Allied Auto Insurance Rates

Allied has below-average rates. Allied's prices for a family of three impressed us: The insurance price for two people in their 50s, one in their 16s, and their two cars was only $1251.

But Allied was only sometimes the least expensive insurance company. Among the companies and types of customers we looked at, USAA had the best rates for married couples under 35 and over 65. To find the best price on car insurance, you should always check with more than one company.

Allied Auto Insurance Discounts

Allied Insurance discounts safe driving and buying more than one policy from them (grouping multiple policies together). But other insurance companies offer many of the discounts it gives. One exception is that Farm Bureaus of California, Delaware, Maryland, Ohio, or Pennsylvania members can get a discount from Allied.

  • You can get a discount if you have both Allied car insurance and Allied home or life insurance.
  • Multivehicle discount if you insure more than one car.
  • When you insure a new car, you get a discount.
  • Every year you don't have an accident, you get a discount.
  • Students with at least a B average get a good discount.
  • Discount for switching from another insurance company to Allied
  • Farm Bureau members in California, Delaware, Maryland, Ohio, or Pennsylvania get a discount.

Allied Customer Satisfaction

Allied insurance quotes aren't available online, so the only way to get one is to talk to an independent agent. However, nationwide, which owns Allied, does offer online quotes and many of the same services and benefits as Allied.

Customer service reviews for Allied are slightly better than average. Customers often filed complaints because they didn't like how the claims process worked, especially when delays or the settlement amount needed more. In addition, allied customers were unhappy with shopping for insurance and paying their claims.

See what you could save on auto insurance Summary

Overall, we were very happy with what Allied offered for car insurance. The company has low rates for many drivers, including single people, families, and older drivers. The company also offers a wide range of optional coverage benefits, from not having to pay for accidents to getting help on the roadside.

Allied gives safe drivers, in particular, several benefits and discounts. People whose rates go down and collision/comprehensive deductibles go down if they haven't been in an accident or gotten a ticket in a few years.

Allied's discounts and coverages may be especially useful for people who own new cars. For example, Allied has a discount for new cars, which may make up for the higher cost of insuring a new car. It also offers new-car replacement coverage, which pays for a brand-new car if yours is stolen or written off in the first three years you own it.

The company's finances are very stable. AM Best gives Nationwide, the parent company of Allied, an A+ for its financial stability. As a result, nationwide and its subsidiaries can pay out claims without delay. AM Best's second-best rating is an A+. The best rating is an A++.

Allied Insurance and its parent company, Nationwide, offer affordable rates and a range of benefits.

About Allied Car Insurance

The company Nationwide owns, Allied Insurance, has a lot going for it. The company has low prices, a lot of discounts, and a strong financial foundation. But customer reviews of its service are about average.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with

Frequently Asked Questions

Does Allied Insurance cover rental cars?

Allied Insurance will pay for a rental car or another form of transportation if your car can't be driven after an accident.

How to cancel Allied car insurance online?

If you want to cancel your car insurance policy with Allied, it's easy to do so online. Here is a step-by-step guide on how to do it:

  • Go to the Allied site and sign in to your account.
  • Click on the tab that says "My Policy."
  • Click the button that says "Cancel Policy."
  • Type in why you want to cancel, then click "OK."
  • Your policy will be canceled, and you'll get an email to let you know.

How to get Allied car insurance?

Allied insurance quotes aren't available online, so the only way to get one is to talk to an independent agent.

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