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 can be hard: companies' rates vary based on your location, age, and driving history, and every company's discounts vary. Auto Club (AAA) and Nationwide are two of the nation's most popular insurers, providing affordable policies in many states.

To simplify the comparison process, we gathered average costs from Nationwide and Auto Club (AAA). These take into consideration a variety of rating factors, including credit history, driving history, and age. Examine these figures and find your next car insurance policy today.

Take a deep dive: Check out our full reviews of AAA and Nationwide.


Comparing car insurance rates: Auto Club (AAA) vs. Nationwide


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

If you have very bad credit, Nationwide could be the way to go. Typically, Nationwide offers lower prices than Auto Club (AAA) for drivers with credit scores of 579 or less. Drivers with exceptional credit — a score of 800 or better — should favor View typical insurance rates by credit level for Nationwide and Auto Club (AAA) below.


RATES BY CREDIT LEVEL: Nationwide VS. Auto Club (AAA)
Credit levelAuto 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: high-risk insurance rate comparison

If you are carrying an at-fault accident, speeding ticket, reckless driving citation, or DUI offense on your résumé, Nationwide could be a better choice than Auto Club (AAA). Every car insurance company will handle driving offenses differently, so always do your due diligence and compare quotes to understand which insurance company suits you.


RATES BY VIOLATION: Nationwide VS. Auto Club (AAA)
ViolationAuto 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 bracket

Insurers use a driver's age as an indicator of potential risk, assigning rates accordingly. Auto insurance is typically more expensive for beginning and young drivers — because of their inexperience — and most affordable for middle-aged drivers. Since every insurance company evaluates age brackets uniquely, it's smart to shop around and find a great rate.

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..


COMPARING AUTO INSURANCE RATES BY AGE: Nationwide VS. Auto Club (AAA)
Age bracketAuto 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 each come with pros and cons, including their discount programs, add-ons, customer satisfaction ratings, 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
100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon 0% filled Star icon
2 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
User Satisfaction

N/A

A+

Other ProductsAuto Club (AAA)Nationwide
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Condo Insurance
Life Insurance
Homeowners Insurance
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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.
Recent QuestionsCan I bundle my renters and new car insurance?
We have several companies that will be able to fit your needs. At this time, we do not quote renters insurance on our site but we can quote you with our agency.
Does roadside assistance cover people not on your policy
I haven't heard of a roadside assistance program that doesn't extend to anyone using the vehicle that has been given permission to do so. While most companies prefer any driver using the vehicle to be listed on the policy, they do have previsions in the policy that extend to infrequent users.
Customer service for AAA roadside assistance only versus AAA auto insurance?
Insurance companies are regulated at a state commissioner level and in theory are supposed to be neutral. But, it's hard to say for sure any being is entirely neutral.
What do I do if my vehicle was totaled while parked?
I would definitely involve your insurance company and let them know about the situation. The other driver's insurance company should be paying for your damage up to the limit of that policy, but if it doesn't cover everything then your current company should be able to help cover the rest.
See More Questions
What's the ADOT code for Nationwide
The ADOT code for Nationwide would be listed on your policy documents. But for Nationwide, it is 0014.
Will an insurance company tell me if someone has paid a loan off?
Unfortunately an insurance company is not able to get information on another person's loan status due to privacy laws. Typically when a loan is fully paid off for a vehicle, then the title is transferred to the owner, who should then turn it over to you with the vehicle.
I was rear-ended but the driver drove off before we exchanged information
The safest course of action would be to contact your insurance company with all the information possible. Including the police report and the at-fault driver's license plate information.
If I hit an uninsured driver, can he go after me for damages?
Georgia isn't a "No-Pay No-Play" state, so if the insured driver is considered to be at-fault for the crash then the not at-fault party's insurance status does not have a bearing on any claims payout. Long story short, they can claim their vehicle damage and injuries if the other driver is at-fault.
See More Questions
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States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
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Auto Club (AAA) vs Nationwide

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