GEICO vs Nationwide Car Insurance

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GEICO or Nationwide:
Which Company is Best for You?

Deciding on an auto insurance company is sometimes difficult: every company's rates differ based on your driving history, location, and age, and every company's discounts vary. GEICO and Nationwide are two of the US' most popular auto insurance companies, providing high-quality coverage across most of America.

In an effort to make insurance shopping seamless, we gathered average rates from Nationwide and GEICO. The below rates cover an array of rating factors, including credit rating, driving history, and age. Check out the below rates and find the right policy for you.

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


GEICO vs. Nationwide: insurance rate comparison


GEICO vs. Nationwide: by credit level

If you have very poor credit, Nationwide could be the way to go. On average, Nationwide offers better rates than GEICO for drivers with credit scores of lower than 580. Insurance shoppers with outstanding credit — a score of 800 or higher — should consider View common insurance rates by credit score 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: rates for bad drivers

If you're dealing with an at-fault accident, speeding violation, reckless driving citation, or DUI on your résumé, Nationwide could be a better choice than GEICO. Every insurer prices its policies differently, so it's worth comparing quotes to understand which insurer is best for you.


RATES BY VIOLATION: Nationwide VS. GEICO
ViolationGEICO 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

Insurance companies use a driver's age to outline potential risk, assigning rates accordingly. Auto insurance is often priciest for young drivers — due to their increased odds of being involved in an accident — and relatively affordable for drivers aged 25 or older. Because every car insurance company prices age tiers differently, it's wise to compare rates and find a suitable policy.

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


RATES BY AGE BRACKET: Nationwide VS. GEICO
Age bracketGEICO 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 each carry 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
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 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 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.
Recent QuestionsWhat is your best advice to buy auto insurance for my 18-year-old who is buying a used car which will be paid off?
The bad news is that car insurance for an 18-year-old on their own separate policy is incredibly expensive — over $3,400 more than the national average. The good news? Typically, we see that combining insurance by adding your kid to your policy is the best route.
My son got a DUI, I will be selling the vehicle & removing him from my Geico policy. Do I need to report it to Geico?
If you choose to repair the damage to your son's car using your insurance, you will need to file a claim and tell your insurer what happened. The claim will impact your rates, but removing your son will not impact your rates as much as leaving him on there — because he has a DUI on his record, that would increase rates in addition to the accident. If you have any questions, don't hesitate to ask.
Can I get accident forgiveness after an accident?
I'm sorry but you will not be able to have an accident forgiven and removed from your record. Depending on the insurance company, they have specific rules about accident forgiveness — generally, you need to be accident-free for a few years before an accident is forgiven.
Does State Farm match auto insurance quotes with other companies?
In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.
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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GEICO vs Nationwide

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