GEICO vs Nationwide Car Insurance

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GEICO or Nationwide:
Which Company is Best for You?

Deciding on a car insurance company is difficult: the rates each insurer offers can vary widely by location, vehicle, and driving record, and every company provides a different set of discounts. GEICO and Nationwide are two of the top insurance companies, selling affordable policies across large swaths of the US.

To make shopping for car insurance easier, we pulled average insurance rates from Nationwide and GEICO. These take into account an array of pricing factors, including credit quality, driving history, and age. Compare rates and find an affordable policy today.

 

GEICO vs. Nationwide: insurance rate comparison

 

GEICO vs. Nationwide: pricing by credit score

If you have very poor credit, Nationwide could be the way to go. Typically, Nationwide offers cheaper premiums than GEICO for drivers with credit scores of less than 580. Insurance shoppers with excellent credit — a score of 800 or higher — should consider View typical insurance rates by credit level for Nationwide and GEICO below.

 

RATES BY CREDIT SCORE: Nationwide VS. GEICO
Credit levelGEICO avg. annual premiumNationwide avg. annual premium
Very Poor (300-579)$2,051$1,593
Fair (580-669)$1,358$1,262
Good (670-739)$1,485$1,283
Very Good (740-799)$1,120$1,109
Exceptional (800-850)$1,064$1,037

 

GEICO vs. Nationwide: high-risk insurance rate comparison

If you're saddled with an at-fault crash, ticket, reckless driving citation, or DUI on your record, Nationwide could be a better choice than GEICO. Every insurance company will handle driving offenses differently, so it's worth comparing quotes to understand which insurer is best for you.

 

RATES BY VIOLATION: Nationwide VS. GEICO
InfractionGEICO avg. annual premiumNationwide avg. annual premium
At-fault accident (damage < $1,000)$1,857$1,836
At-fault accident (damage > $1,000)$1,580$1,475
DUI/DWI$2,550$2,691
Reckless driving$2,238$2,508
Speeding ticket$1,395$1,469

 

GEICO vs. Nationwide: rates by age

Insurers use a driver's age to indicate risk, pricing policies accordingly. A car insurance policy is often more expensive for young drivers — due to their inexperience — and more affordable for middle-aged drivers. Because every auto insurance company evaluates ages in a different way, it's wise to compare rates and find great coverage.

As a general rule, teen drivers should choose GEICO instead of Nationwide: GEICO offers average yearly savings of $116 versusNationwide.

 

RATES BY AGE BRACKET: Nationwide VS. GEICO
AgeGEICO avg. annual premiumNationwide avg. annual premium
Teens$3,508$3,624
20s$1,438$1,582
30s$1,218$1,582
40s$1,189$1,151
50s$1,160$1,114
60s$1,065$1,028

 

Aside from finances, GEICO and Nationwide both have pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount ComparisonGEICONationwide
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 ComparisonGEICONationwide
Financial Strength SuperiorSuperior
JD Power Rankings
3 out of 5
4 out of 5
User Satisfaction

N/A

A+

Other ProductsGEICONationwide
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesGEICONationwide
AboutGeico uses a direct-to-consumer sales model rather than relying on independent agents to provide exceptional service and superior coverage to their valued customers.Nationwide demonstrates customer appreciation and respect through dedicated, licensed professionals and superior claim service.
Roadside AssistanceYou can use a mobile app to request service from Geico's Emergency Roadside Service, which will assist you if you need a tow, are locked out of your car, run out of gas, have a dead battery or flat tire.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 DiscountsGeico offers an additional discount for vehicles with daytime running lights. Moreover, Geico also offers the policy feature of accident forgiveness.Nationwide offers additional savings through a Family Discount, which allows you to share discounts with members of your family.
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Compare MoreGEICO vs. 21st Century GEICO vs. Allied GEICO vs. Allstate GEICO vs. American Family GEICO vs. Amica Mutual Insurance GEICO vs. Auto Club (AAA) GEICO vs. Elephant GEICO vs. Erie GEICO vs. Esurance GEICO vs. Farm Bureau Mutual GEICO vs. Farmers GEICO vs. Foremost GEICO vs. Infinity GEICO vs. Liberty Mutual GEICO vs. Mercury GEICO vs. MetLife GEICO vs. Metromile GEICO vs. North Star Mutual GEICO vs. Progressive GEICO vs. Root GEICO vs. SAFECO GEICO vs. SafeAuto GEICO vs. State Farm GEICO vs. The General GEICO vs. The Hartford GEICO vs. Titan GEICO vs. Travelers GEICO vs. USAANationwide vs. 21st Century Nationwide vs. Allstate Nationwide vs. American Family Nationwide vs. Amica Mutual Insurance Nationwide vs. Auto Club (AAA) Nationwide vs. Erie Nationwide vs. Esurance Nationwide vs. Farm Bureau Mutual Nationwide vs. Farmers Nationwide vs. Foremost 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:

GEICO vs Nationwide

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