AAA vs. Nationwide

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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. 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 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: AAA vs. Nationwide

 

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 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 AAA below.

 
RATES BY CREDIT LEVEL: NATIONWIDE VS. AAA
Credit levelAAA 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
 

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 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. AAA
ViolationAAA 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
 

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 AAA: the former's average annual rates are $6,632 less than the latter's..

 
COMPARING AUTO INSURANCE RATES BY AGE: NATIONWIDE VS. AAA
Age bracketAAA 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, 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 SuperiorSuperior
JD Power Rankings Below averageAbove average
User Satisfaction 4.2/54.2/5
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
About
Roadside Assistance
Additional DiscountsAAA offers an additional Garage Parking Discount Original Owner 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 a bank add insurance to my loan when I already have insurance?
This sounds like a processing error. Short of that, I would say that this issue is unfortunately too specific to your policy for me to accurately advise.
How do i dispute a driving record with AAA
The only way you can dispute a claim on your driving history is to contact LexisNexis. That is the database that reports accidents to other companies.
Can 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.
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.
See More Questions
Can I get an EMT discount with Nationwide?
To my knowledge, Nationwide does offer discounts to EMT but I'm not 100% if there are any specifics to the state of California. Because car insurance is regulated at the state, there could be some implications regarding California's state legislation that would prohibit employment status from being considered.
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.
Is accident forgiveness a good idea for me?
You might be a good contender for this policy option. Most lease contracts will require you to keep the vehicle in good condition.
See More Questions
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