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Allied Insurance: Overview
Allied was founded in 1925 and has since been acquired by Nationwide.
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About Allied
Allied Mutual Automobile Association was formed by Harold Evans in 1929. After years of operating as a standalone brand, Allied Insurance became Nationwide in 1998. Policies, documents, bills and account statements for Allied customers are now featuring the Nationwide name and logo.
Nationwide’s start begian in 1925 when Murray D. Lincoln formed the company the Farm Bureau Mutual Automobile Insurance Company with the goal of selling auto insurance at low rates for farmers in Ohio. By 1928, Farm Bureau Mutual was expanding into other states including West Virginia, Maryland, Delaware, Vermont, and North Carolina. By 1934, the company was insuring motorists in metropolitan areas and writing property insurance policies too and by 1943 was operating in 12 states and the District of Columbia. In 1955, the company changed its name to Nationwide, expanding into 20 new states. In 1982, Nationwide began acquiring other companies and went public in 1997. In 1998, Nationwide acquired Allied Insurance. Today, Nationwide is a Fortune 100 company with a full range of insurance and financial services across the country, including car, motorcycle, boat, homeowners, pet, farm, life and commercial insurance, annuities, mortgages, mutual funds, pensions, long-term savings plans and specific health services.
Allied Facts & Ratings
| Year Founded | 1925 |
| Market Share | 2.7% |
| Financial Strength | Excellent |
| JD Power Ranking | About Average |
| BBB Rating | A+ |
| NAIC Complaint Index | 0.38 |
| Moody’s Rating | A1 |
| S&P Rating | A+ |
Allied Mobile App Rating
| iOS | 3.6 | 2,922 user reviews |
| Android | 4.3 | 1.4K user reviews |
The Allied Mobile App is the Nationwide Mobile App for Android, iPhone, and iPad. This app lets you access accounts using a fingerprint and facial login to a dashboard. You make payments, manage payment methods and save or share ID cards with drivers on your policy. You can also file a claim and check on its status. The app comes fully equipped to connect with roadside assistance too.
Pros & Cons of Allied
- Up to 20% off when you bundle home, auto, life, and other policies.
- Minor violation forgiveness.
- Accident Forgiveness.
- Vanishing deductible.
- High rates for people with an imperfect driving history.
- Credit check in most states.
Common Questions about Allied
What are some benefits covered by the Allied Rewards program?
When you choose Allied Rewards with Nationwide you get access to forgiveness for accidents and minor violations as well as forgiveness for tickets. Also, if you have a new car that is totalled, Nationwide assists you in paying off your loan and getting a new car with the Good-as-New Coverage. There are also perks if you elect Roadside Assistance (discounts on restaurants, entertainment and more) and savings on your deductible for being a safe and loyal customer.
Does Allied Renters insurance have discounts to offer?
If you have trouble on the road, you’re covered if you elect roadside assistance, which also comes with valuable discounts on dining, entertainment, travel, pets and more. Other Allied Rewards include deductible savings, like the Vanishing Deductible and the Total Loss Deductible Waiver.
What is the difference between Nationwide and Allied insurance?
Allied was acquired by Nationwide and became Nationwide in 1998. The Allied insurance brand name is still used in the Nationwide Allied Rewards program. On the Nationwide homepage, it proudly states, “Allied is Nationwide.”
How do I benefit from a 12-month rate lock by Allied insurance?
Allied insurance’s 12-month rate lock, provided through Nationwide Insurance, protects both your car and home with your rate locked for 12 months. Most insurance companies only guarantee six months.
What is Allied Powersports insurance programs?
Allied’s Powersports insurance program covers motorcycles, boats, RVs, ATVs, and snowmobiles. Nationwide covers a wide range of recreational vehicles.
What is The Allied Extra program?
The Allied Extra program is a reward program for people who bundle home and auto insurance policies with Allied Nationwide. The program includes a single deductible for both home and auto, emergency lockout coverage, for locksmiths for home or auto; airbag replacement if your airbag deploys accidentally; and accidental death benefit which pays $10,000 in the event of your death in a covered accident involving your insured vehicle.
Does Allied insurance have a Vanishing deductible?
Allied auto insurance deductible rewards include a vanishing deductible option that you can add to your policy. You will save if you get into an accident if you have a vanishing deductible. To be exact, $100 will be marked down from your deductible for each year of safe driving. If you have any marks against you, you will not get the deduction for the year but are eligible again the following year.
What is Allied Life Insurance coverage options?
Allied life insurance options include term life insurance, whole life insurance, universal life insurance, and variable universal life insurance. Term life insurance only covers you for a specified amount of time and will not pay out a beneficiary if the insured dies after the term coverage has ended. Whole life insurance is permanent insurance, which means that it lasts an entire lifetime. Your beneficiary is guaranteed a cash value that you can borrow or withdraw too. Universal life insurance is also permanent and lasts a lifetime. This product, too, allows you to borrow or withdraw from funds. Universal life is a permanent life insurance product and can be customized. It also earns a cash value that grows based on a fixed interest rate. With universal life insurance, you can borrow or withdraw from the cash value if you need it. Variable universal life insurance is permanent, flexible and earns cash value you can access through withdrawals and loans. With this product, however, your cash value is invested in the stock market with the options you choose, based on risk.
Does Allied Homeowners insurance offer discounts?
Yes, Allied homeowners insurance offers discounts, like a multi-policy discount, a gated community discount, home renovation discount (updated plumbing, electrical, heating/cooling or roofing), home purchase discount (get insured within 12 months of home purchase), protective device discount and claims-free discount.
What does Allied's full coverage cover?
When you have full coverage with Allied Nationwide Insurance, you have collision and comprehensive coverage for your vehicle. Collision coverage pays for physical damage to your car if you collide with another car or object and it is your fault. You may add special physical damage coverage to your policy, too, if you want any damaged property to be replaced with new and original-equipment manufactured parts. Comprehensive insurance will take care of damages to your car that were caused by anything other than a collision with an object or another car, for example, a fire, theft, broken glass and falling objects. You may also have loan/lease gap coverage, which would cover the remaining balance after you’re paid out the value of a car (if you owe more on your loan than the car’s value). Some people opt to add on new car replacement coverage, which would replace a totaled car with the full value of the car so that you don’t lose money due to the car’s depreciation. With rental reimbursement, you’ll get basic loss of use coverage to use on car rental or public transportation. You can also extend this coverage with a Rental Days Plus enhancement so that you can be covered for rental car coverage for an unlimited number of days (as long as you need for your car to be repaired). With special physical damage coverage, your damaged property will be replaced with original new equipment manufactured parts.
Is Allied insurance cheaper than Nationwide?
Allied is Nationwide insurance, since 1998. They offer competitive rates, but if you want to see who will offer you the best rates, you’re better off comparing insurance quotes here, where you’ll get multiple insurance quotes by filling out one brief form.
What does Allied Homeowners insurance cover?
Allied homeowners insurance covers dwelling coverage, which helps protect the main structure of a home, built-in appliances and carpeting. Other-structures coverage protects sheds and garages, barns and fences. Contents are covered, including furniture and clothing. The personal liability portion of your homeowners insurance covers you if an accident happens on your property; it pays for damages and injuries covered by the medical payments portion of your coverage. Ordinance or law insurance will help to rebuild your home to new building codes after a covered loss, such as a fire or storm damage. Loss-of-use coverage pays for living expenses if you cannot live in your home for a covered loss, including while it is being repaired. Credit card coverage protects you in case of unauthorized transactions on your credit card and debit card as well as forged checks and counterfeit money.
Does Allied sell commercial insurance?
Yes, Allied sells business owners policy insurance, business auto insurance workers’ compensation insurance, business property insurance, excess & surplus insurance, retail insurance, wholesale insurance, photography insurance, professional offices insurance, consulting insurance, food & beverage insurance, farm & ranch insurance, contractors insurance, veterinarians insurance, commercial agriculture insurance, construction insurance, breweries insurance, senior living insurance, specialty care insurance, church insurance, medical clinics insurance, self storage facilities insurance, wholesaler & distributors insurance, auto service & repair insurance, barber shops & beauty salons, human services, commercial real estate insurance, manufacturing insurance, employment practices liability insurance, business income insurance, crime insurance, cyber liability insurance, equipment breakdown insurance, umbrella insurance, inland marine insurance, accounts receivable insurance, builder’s risk insurance, directors & officers liability, employment practices liability, fiduciary liability, technology, media & professional services insurance, miscellaneous professional liability insurance, specialty crime insurance, cyber coverage, surety bonds and more.
Allied Insurance Products
| Homeowners insurance | renters insurance | |
| condo insurance | private client insurance | |
| flood insurance | auto insurance | |
| motorcycle insurance | snowmobile insurance | |
| classic car insurance | ATV insurance | |
| RV insurance | boat insurance | |
| personal watercraft insurance | scooter insurance | |
| golf cart insurance | life insurance | |
| pet insurance | dental insurance | |
| umbrella insurance | identity theft insurance | |
| accident medical insurance | specialty liability insurance | |
| travel insurance and wedding insurance | Business insurance | |
| workers’ compensation | business property insurance | |
| excess & surplus insurance | retail insurance | |
| professional offices insurance | consulting insurance | |
| food & beverage insurance | farm & ranch insurance | |
| contractors insurance | veterinarians insurance | |
| commercial agribusiness insurance | construction insurance | |
| brewery insurance | senior living insurance | |
| churches insurance | manufacturing insurance | |
| surety bonds |
Allied Auto Insurance Coverage
Bodily Injury Liability
This form of protection covers bodily injuries to a third party in an accident that was deemed your fault.
Property Damage Liability
This form of protection covers property damage and loss of use to a third party.
Comprehensive Coverage
This insurance pays for damages and loss other than that caused by a collision. It is subject to a deductible.
Collision Coverage
This insurance pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.
Medical Payments
This type of protection will cover you if you’ve been injured in an accident, regardless of who’s at fault. Coverages include income continuation, loss of services, funeral expenses and child-care expenses.
Roadside and Accident Assistance.
This is an optional coverage that reimburses the insured for the car rental, towing and labor.
Discounts
| Allied Rewards | Accident Forgiveness |
| Minor Violation Forgiveness | Advance Quote Discount |
| Affinity Car Insurance Discounts | Multi-policy Discounts |
| Long-term Policyholder Discount | Good Student Discount |
| Passive Occupant Restraint Discount | SmartRide Discount |
| New Vehicle | Nationwide Family Plan |
| Easy Pay Discount | Accident-free Discount |
| Paperless Documents | Anti-theft Discount |
| Farm Bureau Discount | Defensive Driving Discount |
Allied Auto Insurance Rates by State
Allied Auto Insurance Rates by Vehicle
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Allied Auto Insurance Rates by Homeownership
| Own/Rent | Avg Monthly Rate |
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Allied Contact Info
| Address | 1100 Locust Street, Des Moines, IA 50391-1100 |
| Phone | 1 (800) 532-1436 |
| Website | http://alliedinsurance.com |
| https://www.facebook.com/pages/Nationwide-Insurance | |
| https://twitter.com/OnYourSide | |
| Youtube | https://www.youtube.com/channel/UClEv4hlTocZkc8tN96LWN_Q |
| https://www.linkedin.com/company/nationwide/ |
Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
How Does Allied Compare to Other Car Insurance Companies?
| Allied vs American Family | Allied vs Auto Owners |
| Allied vs Farmers | Allied vs Liberty Mutual |
| Allied vs Mercury | Allied vs Safeauto |
| Allied vs Safeco | Allied vs State Auto |
| Allied vs Travelers |
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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