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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.
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.
|Credit level||GEICO avg. annual premium||Nationwide avg. annual premium|
|Very Poor (300-579)||$2,051||$1,593|
|Very Good (740-799)||$1,120||$1,109|
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.
|Infraction||GEICO avg. annual premium||Nationwide avg. annual premium|
|At-fault accident (damage < $1,000)||$1,857||$1,836|
|At-fault accident (damage > $1,000)||$1,580||$1,475|
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.
|Age||GEICO avg. annual premium||Nationwide avg. annual premium|
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.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings||3 out of 5||4 out of 5|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|About||Geico 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 Assistance||You 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 Discounts||Geico 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 Questions||Does State Farm match auto insurance quotes with other companies?|
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|Compare More||GEICO 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. USAA||Nationwide 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 Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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