Is Allied a Good Place to Buy Car Insurance?

Last Updated on January 7, 2026

Founded in 1929, Allied Insurance is part of the Nationwide family of companies and is commonly sold through independent agents. In practice, many Allied-branded policies are underwritten and serviced by Nationwide-affiliated insurers—so you’re often getting Nationwide-style coverage, discounts, and claims infrastructure with an agent-first shopping experience.

Is Allied “good” car insurance? It can be—especially if you value working with an agent, want a solid set of add-ons, and plan to bundle. But like any insurer, pricing and perks vary by state, driver profile, and vehicle. The best move is to compare quotes and confirm which discounts and endorsements are available where you live.

What Is Allied Insurance?

Allied Insurance was founded in Des Moines, Iowa, and has a long history as an insurer that works closely with agents. Today, Allied is part of Nationwide’s property and casualty group, which includes multiple affiliated insurance companies (so the exact underwriting company name on your paperwork may differ by state and policy type).

What this means for most drivers: you may shop using an Allied name and an agent, while your policy servicing tools, billing, or claims experience can feel similar to Nationwide’s—especially as brands and systems become more integrated over time.

Is Allied a Good Insurance Company?

Allied typically isn’t listed as a standalone brand in many national customer satisfaction studies because these rankings tend to focus on the biggest insurers by brand or by region. If you’re comparing published satisfaction data, you’ll often see Nationwide appear more prominently than Allied. (Here’s how those studies generally work: J.D. Power auto insurance rankings explained.)

Where Allied tends to rate well is in agent support and offering a strong mix of optional coverages. But whether it’s a great fit comes down to price in your ZIP code and whether your state offers the perks you care about.

Financial strength matters, too. Nationwide’s property & casualty affiliates have an A (Excellent) financial strength rating from AM Best, which is a positive sign for claims-paying ability. If you’re new to AM Best, here’s what the ratings mean: AM Best ratings explained.

Allied Auto Insurance Coverage Options

Allied offers the core coverage types most drivers need, plus several add-ons that can make a policy more “complete.” Your exact menu of options depends on your state and underwriting company.

• Liability coverage (covers injuries and property damage you cause)
• Collision coverage (covers damage to your vehicle after a crash, regardless of fault)
• Comprehensive + “full coverage” packages (often means liability + comp + collision, but definitions vary)
• Personal injury protection (PIP) (available/required in some states; helps cover medical expenses and related costs)
• Gap insurance (helps if you owe more on a loan/lease than your car’s value after a total loss)

Optional Add-Ons and Policy Perks

Allied policies can include optional endorsements designed to protect your rate, reduce out-of-pocket costs, or add convenience. Availability varies by state, and some perks may require bundling or meeting eligibility rules.

• Accident forgiveness: Helps protect your rate after a qualifying incident. (More on how this works: accident forgiveness explained.)
• Vanishing (disappearing) deductible: Some policies let you earn deductible reductions over time for safe driving. (Here’s the concept: what is a disappearing deductible?)
• Roadside assistance & lockout help: Usually offered as a low-cost add-on that can include towing, jump-starts, fuel delivery, and lockouts. If you’re wondering what insurance typically pays here, see: will auto insurance pay for a locksmith?
• New car replacement-style coverage: Some insurers offer “good as new”/new-car-replacement options for newer vehicles, which can pay closer to replacement cost instead of depreciated value after a total loss. (Background: new car replacement insurance.)
• Other common add-ons: Rental reimbursement, higher towing limits, custom equipment coverage, and more. (See a broader rundown here: auto insurance add-ons explained.)

Allied Insurance Discounts

Allied tends to offer many of the “standard” discounts you’d expect from a large national insurer—especially when it comes to bundling and household policies. The exact discount list (and how much you can save) depends on your state, your driving history, your vehicle, and how you pay.

• Multi-policy (bundling): Combining auto with homeowners/renters/umbrella is often where the biggest savings are.
• Multi-vehicle: Insuring more than one vehicle on the same policy.
• Safe driver / claims-free: Clean history typically earns better pricing.
• Good student: Often available for students meeting GPA or program requirements.
• Paperless, pay-in-full, and autopay: These can reduce fees and sometimes lower premiums.
• Usage-based programs (telematics): If available in your state, driving behavior tracking can sometimes lower your rate—especially if you’re already a cautious driver.

How to Get an Allied Quote (and What to Ask)

Most people shop Allied through an agent. To get the most accurate quote, have your driver’s license info, VIN, current policy declarations page, and a realistic estimate of your annual mileage.

Smart questions to ask before you buy: Which discounts were applied? Which perks are optional vs. included? Are accident forgiveness and vanishing deductible available in my state? And which company name will appear as the underwriting carrier on my policy documents?

Bottom Line: Is Allied Right for You?

Allied can be a strong pick if you want an agent-guided experience, value optional “policy perk” add-ons, and plan to bundle. But it’s not guaranteed to be the cheapest in every ZIP code—so compare pricing and coverage side-by-side before committing.

If you’re still shopping, here’s a broader list of providers to compare against Allied: list of car insurance companies.

FAQs on Allied Auto Insurance

Final Word on Allied Insurance

Allied is a long-running insurance brand that now sits under the Nationwide umbrella. If you like working with an agent and want access to common coverage add-ons and “policy perk” endorsements, Allied is worth a quote. Just make sure you compare it against other insurers in your area—because pricing and available discounts can swing significantly by state and driver profile.