2024 Allied Insurance Review

Allied Insurance offers an extensive range of coverage options, from standard home and auto insurance to specialized types like snowmobile and travel insurance. The company received favorable ratings through the NAIC, but it's worth noting that its parent company, Nationwide, scored below average in J.D. Power customer satisfaction studies.

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Our review of Allied Insurance Company suggests that it can effectively cater to diverse insurance requirements, though its customer service quality varies. While Allied Insurance scored below average in J.D. Power studies for overall customer satisfaction, it earned positive ratings from the National Association of Insurance Commissioners (NAIC) for its home and auto insurance offerings.

Explore further to learn about Allied Insurance's range of products, including various insurance types and available discounts.

Note: Allied Insurance policies are underwritten by Nationwide. This review will therefore refer to Allied Insurance throughout this article as “Allied Insurance through Nationwide.”

Allied Insurance auto insurance review summary: Allied Insurance through Nationwide provides key auto insurance coverages required by most drivers. While the company didn’t appear in a recent J.D. Power customer satisfaction study, Nationwide did appear but underperformed in some regions. Despite this, Allied Insurance shines with its relatively low complaint index score according to the National Association of Insurance Commissioners (NAIC).

Allied Insurance home insurance review summary: Allied Insurance through Nationwide offers all fundamental home insurance coverages. While Nationwide itself ranked below average in a J.D. Power study, Allied has an exceedingly low number of homeowner insurance complaints according to the NAIC.

Allied Insurance Pros and Cons



Good NAIC scores for home and auto

Coverage isn’t available in every state

Backed by Nationwide

Low J.D. Power study through Nationwide

Diverse product range


Leverages Nationwide’s mobile app and online presence


About Allied Insurance

Allied Mutual Automobile Association was formed by Harold Evans in 1929.[1] After years of operating as a standalone brand, Allied Insurance merged with Nationwide in 1998.[1] Policies, documents, bills and account statements for Allied customers now feature the Nationwide name and logo.


Allied Insurance through Nationwide offers a broad range of coverage options across the United States, but the availability of specific types of insurance does vary. For example, Nationwide's car insurance is not offered in Alaska, Hawaii, Louisiana or Massachusetts.[2] Similarly, their home insurance is not available in Alaska, Hawaii, New Mexico, Louisiana, Florida, New Jersey and Massachusetts.[3][4]


Allied Insurance through Nationwide offers an extensive selection of insurance products to accommodate a variety of coverage needs. A detailed list of these insurance options has been compiled to assist those in search of suitable insurance solutions.

Auto insurance

Personal umbrella insurance

Boat insurance

Travel insurance

Snowmobile insurance

Identity theft insurance

ATV insurance

Flood insurance

Motorcycle insurance

Term insurance

RV insurance

Universal insurance

Personal watercraft insurance

Whole insurance

Scooter insurance

Condo insurance

Homeowners insurance

Commercial auto insurance

Renters insurance

Business owners policy

Commercial property insurance

Workers compensation insurance

General liability insurance

Commercial crime insurance

Business income insurance

Cyber liability insurance

Employment practice liability insurance

Equipment breakdown insurance

Errors and omissions insurance

Inland marine insurance

Commercial umbrella insurance

Builder’s risk insurance

Consumer Experience

Line of Business

J.D. Power Score (Out of 1,000)[5][6]

NAIC Complaint Index[7]

NAIC Share of Complaints in U.S. Market[7]













*Score is the average of the 7 regions profiled

Customer Service

Allied Insurance customers can seek out Nationwide’s comprehensive Learning Center, designed to enhance their understanding of insurance. This resource features a wide array of articles and answers to frequently asked questions, covering not only insurance topics but also offering insights into investments, cyber resources and emergency planning.

While Allied Insurance was not featured, a recent J.D. Power customer satisfaction study showed Nationwide receiving below-average scores in both auto and home insurance categories. Despite these results, it's important to note that the number of complaints registered with the NAIC for Allied Insurance for both home and auto were relatively low.[7]


For added convenience, Nationwide policyholders can manage their policies through the Nationwide mobile app, compatible with both iOS and Android devices. This app facilitates tracking of claim statuses, viewing of payment histories and accessing roadside assistance. Customer feedback for Nationwide's mobile apps on both platforms has generally been favorable.[8][9]


Number of Reviews

Star Rating

App Store



Google Play




The cost of car insurance for Allied Insurance through Nationwide customers is shaped by several key factors such as the driver's age, driving record and location. Younger drivers often have higher premiums due to their inexperience and greater likelihood of being involved in accidents. Additionally, a driver's history, including previous accidents, traffic violations and claims, has a significant impact on insurance rates; a record of incidents typically results in increased premiums. In most states, factors like credit scoreand gender may also affect the cost.

Similarly, the pricing for home insurance varies significantly and depends on factors like the age of the home, the homeowner's marital status, claims history and specific home features such as the presence of a swimming pool or trampoline.


Allied Insurance through Nationwide provides multiple convenient options for members to file claims. You can use the claims portal available on Nationwide's website or opt for the mobile app for on-the-go access. Alternatively, claims can be filed by calling their dedicated number at 1-800-421-3535, ensuring accessibility and ease for all customers. For additional support, you can contact Allied Insurance by calling 1-800-282-1446.

Allied Insurance Car Insurance

An Allied Insurance auto insurance policy through Nationwide not only meets your state's required coverage mandates but also gives you the flexibility to add extra coverage for enhanced protection of your vehicle.

What’s Covered

Allied Insurance’s auto insurance policies through Nationwide offer essential coverage types that satisfy state minimum insurance requirements, plus extra options for more comprehensive protection. These include:

What Isn’t Covered

Allied Insurance auto insurance policy exclusions through Nationwide can vary depending on the policy and region and these details are generally not disclosed publicly. Common exclusions typically include racing, intentional damage caused by the policyholder, as well as the regular wear and tear of the vehicle. Mechanical failures and breakdowns are not usually covered under standard policies unless additional mechanical breakdown insurance is purchased.

Personal belongings inside the car are also not covered by a standard auto policy. Furthermore, using the vehicle for commercial purposes, such as ridesharing or delivery services, typically isn't covered under a standard policy and would require commercial auto insurance.

Allied Insurance Home Insurance

Allied Insurance’s homeowners insurance through Nationwide offers comprehensive coverage, ensuring protection for your home, personal belongings and other structures on your property.

What’s Covered

Typically, home insurance policies encompass the following key areas:

Additionally, many policies provide the option to add extra coverages or endorsements at an added cost. This can include safeguards for high-value possessions such as jewelry and protection against identity theft.

What Isn’t Covered

Nationwide's home insurance policy, in line with industry standards, does not include coverage for flood or earthquake-related damages; these typically necessitate additional, separate policies. Homeowners are expected to manage routine property maintenance and repairs, as the policy does not cover everyday wear and tear or upkeep issues.

Deliberate damage caused by homeowners themselves is excluded from coverage. For items of significant value, such as costly artworks, standard coverage may be limited and extra endorsements or riders might be necessary for comprehensive protection. Common exclusions also include damage from pests like termites or rodents. Additionally, liabilities related to certain breeds of dogs or exotic pets may not be included. Coverage for damages arising from acts of war or nuclear incidents is usually not provided in standard home insurance policies.

Additional Policies Allied Insurance Offers

We have gathered a detailed list of additional insurance coverage types available from Allied Insurance through Nationwide, extending beyond their standard home and auto policies.


Your dedicated Allied representative is committed to ensuring that your insurance coverage meets your specific needs, tailoring their motorcycle insurance offerings with your requirements in mind. Your representative will collaborate with you to craft a bespoke Allied motorcycle insurance plan, incorporating essential features such as liability coverage, collision protection, medical expenses, as well as towing, labor and roadside assistance services.


With Allied RV insurance, you can enjoy peace of mind, no matter the type of recreational vehicle you own, be it a pop-up camper, a fifth wheel or a custom motor coach. Your policy can be customized to suit your requirements, offering a range of options such as liability protection, comprehensive and collision coverage, protection for personal effects, full-timer liability, roadside assistance and coverage for custom equipment.


Allied provides versatile quad-runner insurance suitable for a variety of vehicles and uses. Their agents will tailor a policy that ensures comprehensive protection throughout the year. Their ATV insurance encompasses crucial coverages like collision, comprehensive and liability. These plans also cover bodily injury, medical expenses and protection against uninsured/underinsured motorists. For a policy that truly fits your lifestyle, additional options such as towing and labor are available for customization.


Allied's pleasure boat insurance offers robust protection against expensive repairs and liabilities in case of unforeseen incidents. This coverage extends to your pleasure boat and personal watercraft all year long, whether they are docked in the water or safely stored on land. You can customize your policy with a variety of options including physical damage protection, liability coverage, uninsured/underinsured boater insurance, fishing equipment coverage, on-water towing and labor services and rental reimbursement.


Allied Insurance’s commercial coverage through Nationwide is customized for diverse industries, providing comprehensive protection against property damage, liability and risks related to employees. The specific coverages offered include:

  • Commercial property insurance
  • Business owners policy (BOP)
  • General liability insurance
  • Workers compensation insurance
  • Business income insurance
  • Commercial crime insurance
  • Employment practice liability insurance
  • Cyber liability insurance
  • Errors and omissions insurance
  • Equipment breakdown insurance
  • Commercial umbrella insurance
  • Inland marine insurance
  • Builders risk insurance

Commercial Auto

Commercial auto insurance, specifically tailored for vehicles used in business, provides coverage for liability, collision and comprehensive damages. The premium for business auto insurance is influenced by various factors such as the make, model and year of the vehicle, its original purchase cost and, particularly for trucks, the gross weight.Allied Insurance will likely take into account factors like the vehicle's purpose of use (for example, commuting, client visits or deliveries), the driving records of all drivers, any previous claims history, the specific coverage options selected (including the limits and deductibles) and the total number of commercial vehicles being insured as well.


Renters insurance is specifically crafted to protect a tenant's personal possessions from incidents such as fire and theft. Additionally, it offers coverage for the tenant's liability in cases of personal injury claims or damages occurring on the property. Notably, most renters insurance policies are highly affordable, with premiums in some states starting as low as $10 per month, making it a cost-effective solution for tenants seeking to safeguard their belongings and financial responsibility.[10]


Allied Insurance's condo insurance is designed to comprehensively cover personal property, interior structures and liability, effectively complementing the coverage provided by your condo association's master policy. This insurance plays a vital role in safeguarding the owner's home and belongings against a range of potential risks, ensuring peace of mind and robust protection for your living space and valuables.


Your Allied representative can provide you with a life insurance policy through Nationwide Insurance. Allied offers several life insurance types, including:

  • Term life
  • Permanent life
  • Whole life
  • Universal life
  • Variable universal life


Allied Insurance offers a range of specialized insurance policies catering to unique needs, including coverage for travel, scooters and snowmobiles. These specific policies allow for a more personalized insurance portfolio. Other specialty coverages include:

  • Identity theft insurance
  • Specialty liability insurance
  • Personal umbrella insurance
  • Agriculture insurance

Additionally, while standard homeowners insurance plans typically do not cover damage caused by earthquakes or naturally occurring floods, Allied Insurance through Nationwide provides separate earthquake and flood insurance. This ensures that even in the face of such specific and significant risks, you have the necessary protection in place, enabling a comprehensive and tailored approach to your insurance needs.

Allied Insurance Discounts

Allied Insurance through Nationwide offers discounts for their customers. Make sure to speak with your agent about discount options.

Auto Insurance Discounts

Discount Type


Multi-policy discount through Allied Extra[11]

Savings for bundling car insurance with homeowners

Good student discount

Discount of up to 15% for those under 25 years of age taking 12+ credit hours with at least a 3.0 GPA[12]

Home Insurance Discounts

Discount Type


Multi-policy discount through Allied Extra[11]

Savings for bundling car insurance with homeowners


Who is Allied Insurance best suited for?

Allied Insurance is an optimal choice for those looking for a variety of insurance and financial products under one roof without being as big as any of the other major insurance companies. It's particularly beneficial for customers who value the ease of managing their policies via a user-friendly online platform or mobile app.

How can I contact Allied Insurance?

You can contact Allied Insurance Insurance through various methods including their customer service phone line at 1-800-282-1446.

How do I buy Allied Insurance home and car insurance?

To purchase Allied Insurance's home and car insurance, you have the option to obtain a quote and buy a policy directly through the Nationwide website. For more personalized service, you can call their customer support line or contact a local Allied Insurance agent who can provide a more detailed discussion about your specific insurance requirements.

Are there penalties if I cancel an Allied Insurance policy?

Although it is unclear as to whether Allied imposes cancellation fees, Nationwide, however, does not. It's important to consider, though, that opting out of coverage regardless of fees could lead to significant out-of-pocket costs in the event of an accident.

Where does Allied Insurance provide coverage?

Allied Insurance, as part of Nationwide, offers insurance coverage in most states, encompassing a variety of products like auto, home and life insurance. However, the availability of particular insurance products and their coverage options may differ by location.

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


  1. Eastman Insurance Solutions. “Allied Insurance.” Accessed January 6, 2023.
  2. Nationwide. “Car Insurance Quotes by State.” Accessed January 6, 2023.
  3. Nationwide. “Homeowners Insurance Quotes by State.” Accessed January 6, 2023.
  4. Prime Insurance Company. “As Large Insurers Drop Insureds, Prime Insurance Company Set to Expand Coverage Nationwide.” Accessed January 6, 2023.
  5. J.D. Power. “2023 U.S. Auto Insurance Study.” Accessed January 6, 2023.
  6. J.D. Power. “2023 U.S. Home Insurance Study.” Accessed January 6, 2023.
  7. National Association of Insurance Commissioners. “Allied Property & Casualty Insurance Company.” Accessed January 6, 2023.
  8. App Store. “Nationwide Mobile.” Accessed January 6, 2023.
  9. Google Play. “Nationwide Mobile.” Accessed January 6, 2023.
  10. Allied Insurance Quotes. “Renters Insurance.” Accessed January 6, 2023.
  11. Allied Insurance Quotes. “Allied Extras,” Page 1. Accessed January 6, 2023.
  12. Allied Insurance Quotes. “Good Student Discount.” Accessed January 6, 2023.

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