Auto Club (AAA) vs Nationwide Car Insurance

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Auto Club (AAA) or Nationwide:
Which Company is Best for You?

Selecting a car insurance company is complex: rates vary based on your location, age, and driving history, and every company provides a different set of discounts. Auto Club (AAA) and Nationwide are two of America's most popular car insurance companies, offering affordable policies in many states.

To take the sting out of shopping for car insurance, we collected average costs from Nationwide and Auto Club (AAA). The below rates cover a number of rating factors, including credit, driving history, and demographics. Check out the below rates and find an affordable policy today.

 

Auto Club (AAA) vs. Nationwide: rate comparison

 

Auto Club (AAA) vs. Nationwide: prices by credit level

If you have very poor credit, Nationwide could be a better option for you. On average, Nationwide offers better rates than Auto Club (AAA) for drivers with credit scores of 579 or less. Those with exceptional credit — a score of 800 or higher — should consider View average insurance rates by credit tier for Nationwide and Auto Club (AAA) below.

 

CREDIT SCORE INSURANCE RATE COMPARISON: Nationwide VS. Auto Club (AAA)
Credit scoreAuto Club (AAA) avg. annual premiumNationwide avg. annual premium
Very Poor (300-579)$6,569$1,593
Fair (580-669)$4,023$1,262
Good (670-739)$3,723$1,283
Very Good (740-799)$3,004$1,109
Exceptional (800-850)$2,814$1,037

 

Auto Club (AAA) vs. Nationwide: rates for high-risk drivers

If you've got an at-fault crash, speeding ticket, reckless driving violation, or DUI on your driving résumé, Nationwide could be a better choice than Auto Club (AAA). Each auto insurance company will handle driving offenses differently, so it's worth comparing quotes to find out which insurer suits you.

 

HIGH-RISK INSURANCE RATE COMPARISON: Nationwide VS. Auto Club (AAA)
CitationAuto Club (AAA) avg. annual premiumNationwide avg. annual premium
At-fault accident (damage < $1,000)$4,078$1,836
At-fault accident (damage > $1,000)$4,002$1,475
DUI/DWI$5,530$2,691
Reckless driving$5,530$2,508
Speeding ticket$4,078$1,469

 

Auto Club (AAA) vs. Nationwide: rates by age

Insurance companies rely on a driver's age to outline potential risk, assigning rates accordingly. An auto insurance policy is often expensive for teen drivers — due to their increased odds of being involved in an accident — and most affordable for middle-aged drivers. Because each insurance company prices age brackets uniquely, it's a smart move to shop around.

As a general rule, teen drivers should choose Nationwide over Auto Club (AAA): the former's average annual rates are $6,632 less than the latter's..

 

AGE BRACKET INSURANCE RATE COMPARISON: Nationwide VS. Auto Club (AAA)
Age tierAuto Club (AAA) avg. annual premiumNationwide avg. annual premium
Teens$10,256$3,624
20s$4,644$1,582
30s$3,248$1,582
40s$3,195$1,151
50s$3,083$1,114
60s$2,887$1,028

 

Finances aside, Auto Club (AAA) and Nationwide come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Dive into the data before making your decision.

Discount ComparisonAuto Club (AAA)Nationwide
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonAuto Club (AAA)Nationwide
Financial Strength GoodSuperior
JD Power Rankings
2 out of 5
4 out of 5
User Satisfaction

N/A

A+

Other ProductsAuto Club (AAA)Nationwide
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesAuto Club (AAA)Nationwide
AboutAuto Club provides its customers with customizable payment options, competitive rates and excellent features.Nationwide demonstrates customer appreciation and respect through dedicated, licensed professionals and superior claim service.
Roadside AssistanceAAA offers three tiers of 24-hour Road Service: Classic, Plus and Premier, which all include towing, emergency starting, battery service, flat tire assistance, locksmith service, fuel delivery, and extrication/winching service. AAA membership covers you, not your vehicle, so you can call whether you are in your own car, a friend’s car, or a rental. Each AAA cardholder is entitled to four Roadside Assistance service calls or reimbursements per membership year at no charge.Nationwide's Roadside Assistance is available in select states. Two levels of emergency Roadside Assistance coverage—Basic and Plus—are available. Nationwide Roadside Assistance Basic applies to everyone on your policy, in any car you might occupy with coverage that includes towing up to 15 miles, ditch extraction service, emergency fuel, battery jump-start, locksmith services up to $100 and tire changes. Nationwide Roadside Assistance Plus includes all the previously listed services in addition to a tow up to 100 miles and trip interruption coverage that may reimburse your expenses up to $500 for alternate transportation, lodging and meals if you find yourself broken down 100 or more miles from home.
Additional DiscountsAAA offers an additional Garage Parking Discount, and maintains a wide-ranging rewards program for AAA members.Nationwide offers additional savings through a Family Discount, which allows you to share discounts with members of your family.
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Compare MoreAuto Club (AAA) vs. 21st Century Auto Club (AAA) vs. Allied Auto Club (AAA) vs. Allstate Auto Club (AAA) vs. American Family Auto Club (AAA) vs. Amica Mutual Insurance Auto Club (AAA) vs. Erie Auto Club (AAA) vs. Esurance Auto Club (AAA) vs. Farm Bureau Mutual Auto Club (AAA) vs. Farmers Auto Club (AAA) vs. Foremost Auto Club (AAA) vs. GEICO Auto Club (AAA) vs. Infinity Auto Club (AAA) vs. Liberty Mutual Auto Club (AAA) vs. Mercury Auto Club (AAA) vs. MetLife Auto Club (AAA) vs. Metromile Auto Club (AAA) vs. North Star Mutual Auto Club (AAA) vs. Progressive Auto Club (AAA) vs. SAFECO Auto Club (AAA) vs. SafeAuto Auto Club (AAA) vs. State Farm Auto Club (AAA) vs. The General Auto Club (AAA) vs. The Hartford Auto Club (AAA) vs. Titan Auto Club (AAA) vs. Travelers Auto Club (AAA) vs. USAANationwide vs. 21st Century Nationwide vs. Allstate Nationwide vs. American Family Nationwide vs. Amica Mutual Insurance Nationwide vs. Erie Nationwide vs. Esurance Nationwide vs. Farm Bureau Mutual Nationwide vs. Farmers Nationwide vs. Foremost Nationwide vs. GEICO Nationwide vs. Infinity Nationwide vs. Liberty Mutual Nationwide vs. Mercury Nationwide vs. MetLife Nationwide vs. North Star Mutual Nationwide vs. Progressive Nationwide vs. Root Nationwide vs. SAFECO Nationwide vs. SafeAuto Nationwide vs. State Farm Nationwide vs. The General Nationwide vs. The Hartford Nationwide vs. Travelers Nationwide vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
Additional Resources:

Auto Club (AAA) vs Nationwide

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