Is Allied a Good Place to Buy Car Insurance?

Last Updated on October 18, 2026

By James Shaffer · Reviewed by Thomas Rockford, insurance industry executive and financial analyst, on October 18, 2026 · How we fact-check

You cannot buy Allied car insurance. Nationwide retired the Allied name in September 2014, when it announced it was dropping its secondary brands and selling everything as Nationwide. The transition ran about eighteen months, and alliedinsurance.com no longer exists.

Founded in 1929 and bought by Nationwide in 1998, Allied spent most of its later life as the independent-agent arm of the group. That is the thing to carry forward: if an agent-first way of buying is what drew you to the name, Nationwide moved to an independent-agency model itself in 2020, so an agent can still place you there. What follows describes what an Allied policy contained, which is useful if you are reading an old one.

What Is Allied Insurance?

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

What this meant for most drivers: they shopped using the Allied name and an agent, while policy servicing tools, billing, and claims could feel similar to Nationwide’s. Since Nationwide retired the Allied name, all of it is Nationwide.

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 tended to stand out was in agent support and a strong mix of optional coverages. Those are Nationwide products now, so whether they 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

An Allied policy carried the core coverage types most drivers need, plus several add-ons. These are Nationwide products now, and the exact menu still 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 could include optional endorsements designed to protect your rate, reduce out-of-pocket costs, or add convenience. Availability varied by state, and some perks required 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 tended to offer many of the “standard” discounts you’d expect from a large national insurer, especially for bundling and household policies. The exact discount list (and how much you could save) depended on your state, your driving history, your vehicle, and how you paid.

• 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)

There is no Allied quote to get. If you want the agent-guided route that Allied stood for, an independent agent can quote you Nationwide and several other carriers in one sitting. Have your driver’s license details, VIN, current declarations page and a realistic annual mileage figure ready, which is what makes a quote accurate anywhere.

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 is not a pick at all any more, because the brand is gone. What it stood for is still available: an agent-guided experience, optional policy-perk add-ons and bundling, sold as Nationwide. That is not guaranteed to be cheapest in your ZIP code, so compare it 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 was a long-running brand that Nationwide absorbed completely. If the add-ons and policy-perk endorsements described above are what you are after, they are Nationwide products now and an agent can price them for you. My advice is the same as it would be for any carrier: get the quote, then get two more, because what swings the number most is your state and your own record rather than the name on the policy.

Sources

Checked October 18, 2026

• Carrier Management — Nationwide Drops Allied, Harleysville and Other Brand Names, September 3, 2014
• Insurance Journal — Nationwide Moving Fully to Independent Agency Model by 2020, April 16, 2018
• Nationwide — Vanishing Deductible