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GEICO vs. Nationwide: Which company is best for you?

Both GEICO and Nationwide enjoy widespread brand recognition and a large share of the auto insurance market, but which one is best for you? We've compared both companies to give you an idea of what you can expect as a customer. Read on to find out more.

GEICO car insurance

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5 Rating from The Zebra Question mark icon

GEICO has the second-largest share of the auto insurance market and is one of the most recognizable carriers in the country. The company generally receives good customer satisfaction ratings. Furthermore, GEICO is known for having some of the most affordable rates among major carriers. 

Pros Cons
  • Affordable rates for most
  • Wide-ranging coverage options
  • Great customer satisfaction scores
  • Lack of local agents                                          
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Nationwide car insurance

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3.5 Rating from The Zebra Question mark icon

Nationwide is another one of the largest car insurance companies in the country. Customers can generally expect affordable rates, discount options and a large selection of additional coverage lines to pair with an auto policy, including homeowners, renters and life insurance just to name a few.

Pros Cons
  • Wide-ranging coverage options
  • Multiple telematics options
  • Affordable rates
  • Numerous discount options
  • Overall customer satisfaction scores are poor
  • High number of complaints (according to the NAIC)     

                                    

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Which company comes out on top?

GEICO


GEICO comes out on top in most categories, including customer satisfaction, coverage options, and price. These factors make GEICO a strong choice for most drivers.


GEICO vs. Nationwide: car insurance rate comparison

Choosing a car insurance company can be tough: companies' rates differ by driving history, age and location. GEICO and Nationwide are two of the most popular insurers, providing competitively priced policies in most states.

In an effort to simplify the comparison process, we've collected average rates from Nationwide and GEICO. These rates cover a variety of pricing components, including credit rating, driving history, and age. Take a look at these rates to help you in your search for an affordable policy. Keep in mind, however, that your rates are likely to be different than our samples. 

Want to learn more? Read our full reviews of GEICO and Nationwide.

Cheapest average rates
Cheapest average rates

Nationwide has the cheapest rates overall on average, with an average monthly rate of $90 compared to GEICO's $94. However, this can vary from person to person, so it's always a good idea to get quotes from many different insurers to see which policy is most affordable.


GEICO vs. Nationwide: pricing by credit score

If you have very poor credit, Nationwide could be the way to go. On average, Nationwide offers more affordable rates than GEICO for drivers with credit scores of less than 580. Drivers with outstanding credit — a score of 800 or better — could consider both carriers as premiums are relatively close, with a difference of just $27 per year. View common insurance rates by credit level for Nationwide and GEICO below.

 

RATES BY CREDIT LEVEL: NATIONWIDE VS. GEICO
Credit score GEICO avg. annual premium Nationwide 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

Auto insurance data methodology

The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.

In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.

GEICO vs. Nationwide: rates for high-risk drivers

If you're dealing with an at-fault collision, speeding ticket, reckless driving citation, or DWI on your driving résumé, Nationwide could be a better choice than GEICO, though the rates are very similar to one another. Each insurer has different post-violation pricing structures, so it's worth comparing quotes to understand which insurer suits you.

 
RATES BY CITATION: NATIONWIDE VS. GEICO
Violation 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
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 as an estimator of risk, pricing premiums accordingly. An auto insurance policy is usually priciest for teen drivers — due to their increased odds of being involved in an accident — and more affordable for older drivers. Because every car insurance company prices age brackets differently, it's worth doing some comparison shopping.

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

 
RATES BY AGE: NATIONWIDE VS. GEICO
Age tier GEICO avg. annual premium Nationwide 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

Costs aside, GEICO and Nationwide both have pros and cons, including discount programs, customer satisfaction ratings, policy add-ons and financial stability. Be sure to get quotes and compare rates before making a decision.

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Ratings comparison: GEICO vs. Nationwide

When looking for a new auto policy, prices aren't the only thing to compare. Good scores from customers and third-party rating agencies can help you find an insurance company that provides good rates and great customer service. To help, we've found a variety of ratings for both GEICO and Nationwide to help you determine each company's customer satisfaction level, number of complaints and fiscal security outlook.

GEICO vs. Nationwide
Ratings comparison GEICO Nationwide
Financial strength (A.M. Best) Superior Superior
JD Power (claims satisfaction) Average Average
JD Power (customer satisfaction) Average Poor
NAIC rating Average Below Average
The Zebra's editorial review score 5/5 3.5/5
The Zebra's Customer Satisfaction Survey 4.4/5 4.3/5

Which company scores best?

GEICO


GEICO scores higher than Nationwide in most areas, including The Zebra's own editorial review and our annual Customer Satisfaction Survey, which you can see in more detail below.


The Zebra's Customer Satisfaction Survey

The Zebra conducted a survey to get a sense of which major car insurance providers are viewed by their customers. Find a rundown of the results below. 

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GEICO

GEICO came in fourth place overall with a score of 4.4. Below are some highlights from the survey.

  • GEICO placed first for Online Satisfaction (website and apps)
  • Scored well for Customer Service and Willingness to Recommend
  • Viewed most favorably by drivers in the Boomer generation
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Nationwide

Nationwide placed among the middle of the pack in most categories. Out of the fifteen major insurers included, Nationwide auto insurance placed 9th overall with a score of 4.3. While it struggled in the claims satisfaction category, Nationwide is generally viewed as a trustworthy car insurance option.

  • Nationwide auto insurance placed 9th overall
  • Millennial and Gen X respondents rated Nationwide highly for ease of interaction
  • Scored poorly for claims satisfaction and online satisfaction

The Zebra Customer Satisfaction Survey methodology

Findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2021.


GEICO vs. Nationwide: discount comparison

Car insurance discounts can help you save big on your insurance premiums. Take a look at how discounts from GEICO and Nationwide stack up below.

GEICO vs. Nationwide: discount comparison
Discount comparison GEICO 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

In addition to the discounts above, GEICO also offers a senior citizen discount to qualifying drivers. If unsure, ask a representative about which discounts for which you may qualify. 


Telematics options: GEICO vs. Nationwide

GEICO and Nationwide both offer telematics car insurance programs that can be beneficial to certain types of drivers. Have a look at the comparison below to see if one stands out as a better option for your insurance needs.

GEICO logo
GEICO DriveEasy

GEICO Drive Easy Pro is an app that tracks your driving habits to better assess your level of risk. For safe drivers, this can sometimes result in cheaper rates. Currently, the app is rated on app stores at 3.5 out of 5 stars (both Google Play and the Apple Store).

Nationwide SmartRide
Nationwide SmartRide

SmartRide is Nationwide's telematics offering, giving safe drivers the chance to save money. Because the app tracks your driving habits, it also provides feedback in an effort to help you avoid risk and stay safe.

Nationwide SmartMiles
Nationwide SmartMiles

In addition to the SmartRide program, Nationwide also offers a usage-based program aimed at low-mileage drivers. Commonly referred to as pay-per-mile car insurance, SmartMiles offers savings potential for drivers who aren't often behind the wheel. 

Zebra tip: Explore Nationwide for telematics offerings


While GEICO boasts great online reviews overall, their telematics app suffers lower scores across multiple platforms. Furthermore, Nationwide offers both a telematics and usage-based program that could appeal to a wider group of drivers. 


Roadside assistance: GEICO vs. Nationwide

No one wants to be caught on the side of the road after a breakdown. Check out the different roadside assistance packages offered by both GEICO and Nationwide below.

GEICO

GEICO's roadside assistance offers the following:

  • Towing
  • Jump starts
  • Tire changes (when you have a spare)
  • Up to $100 for lockout services
  • Fuel delivery
  • Winching for stuck vehicles (depending on severity)

 

Nationwide

To provide roadside assistance to its customers, Nationwide also partners with Agero. Drivers who choose to add roadside assistance, the following services are available:

  • Towing
  • Battery jump start
  • Fuel delivery
  • Flat-tire change
  • Winching services
  • Lock-out services
tow truck

GEICO vs. Nationwide: home insurance

While both companies are major providers of auto insurance, Nationwide has a much stronger presence in the world of home insurance. GEICO offers homeowners insurance through a number of partner companies instead of under its own banner. That said, both companies can offer a variety of coverage types with plentiful add-ons that many homeowners could find satisfying. Read more about each company's home insurance offerings in our comparison below.

GEICO homeowners insurance review

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4 Rating from The Zebra Question mark icon

While not as large a portion of its business as auto insurance, homeowners coverage remains an important part of GEICO's product offerings. The company partners with many insurers throughout the nation to provide home insurance. Still, customer service scores and third-party ratings remain high. 

  • The Zebra Customer Satisfaction Survey – 4.4/5: GEICO's home insurance coverage earned a relatively high score in The Zebra's 2021 customer satisfaction survey.
  • Claims satisfaction (J.D. Power) – Not rated 
  • Customer satisfaction (J.D. Power) – Not rated 
  • Financial strength (AM Best) – Superior: GEICO received an 'A' rating from AM Best, underlining its solid financial standing. 
  • NAIC Rating – Excellent: The National Association of Insurance Commissioners (NAIC) received fewer customer complaints than average regarding GEICO homeowners insurance in 2020.
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Nationwide homeowners review

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4.0 Rating from The Zebra Question mark icon

Nationwide insurance has a strong presence in the home insurance space, offering a variety of coverage options at competitive rates.

  • The Zebra Customer Satisfaction Survey — 4.3/5: Nationwide placed 10th overall in The Zebra's homeowners insurance customer survey. 
  • Claims satisfaction (J.D. Power) — Above average: J.D. Power's property claims satisfaction study for 2021 gave Nationwide an above-average score of 892 out of 1,000.
  • Customer satisfaction — (J.D. Power) — Below average: Nationwide earned below-average marks in J.D. Power's study of customer satisfaction. 
  • Financial strength — Superior: AM Best rates Nationwide an A+.
  • NAIC Rating — Good: Nationwide received fewer complaints than other major homeowners insurance companies.
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Which company comes out on top?

Tie


Both GEICO and Nationwide can pair customers with good homeowners policies. Because GEICO doesn't actually underwrite their own policies, it's harder to rate them higher than Nationwide. They are evenly matched by The Zebra's editorial review and A.M. Best, and receive lower than the average number of complaints.  For these reason, we feel that both companies are worth exploring for homeowners insurance.


GEICO vs. Nationwide: home insurance rate comparison

Nationwide's average annual homeowners insurance rate is $1,236. Because GEICO does not underwrite its own homeowners policies, it's more difficult to provide accurate rate data.

Your individual rates are likely to vary from one company to another. This is because companies have different methods for underwriting. Your rates are highly dependent upon both where you live and your individual profile, and each company will place a different weight upon factors such as area crime, proximity to fire-fighting services and the age of your home. For this reason, it's highly recommended that you shop for homeowners quotes from a number of different sources, as this will likely lead you to the best rate.

Cheapest average rates
Cheapest average rates

Based on the data we have available, Nationwide has the cheapest home insurance rates at around $119 per month.

Homeowners insurance data methodology

The homeowners insurance rates published in this guide are based on The Zebra's analysis of the cost of home insurance in every U.S. ZIP code. These rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:

  • $200,000 for the dwelling
  • $20,000 for other structures
  • $100,000 for personal property
  • $100,000 for personal liability
  • $1,000 deductible

To generate pricing for particular rating factors, we adjusted the homeowner profile based on common pricing factors used by major home insurance companies. These factors include location, coverage limits, claims record and others.


GEICO vs. Nationwide: homeowners discount comparison

Home insurance discounts are a great way to save money on your premiums. Both companies offer such discounts, though Nationwide provides far more options for saving. 

GEICO VS. NATIONWIDE: HOMEOWNERS DISCOUNT COMPARISON
Discount comparison GEICO Nationwide
Claims free
Recent home buyer
Multi-policy
Early signing
Newer/more durable roof
Protective devices (smoke/burglar alarms, etc...)
Paid in full
Early signing
Auto pay
Gated community
Home renovation
Smart home

It's important to note that there may be more options for discounts through GEICO's partner companies. 

Zebra tip: Check out Nationwide if you are seeking home insurance discounts


Qualifying customers have a number of discounts to choose from, including discounts for being claims-free, having a newer or updated roof and bundling car and home insurance together. However, even with extra discounts, other companies may still offer more affordable rates. 


Other insurance products and bundling options

GEICO and Natoinwide both have options for bundling multiple policy types. Bundling policies can lead to savings in many cases. See our table below for a side-by-side comparison.

GIECO VS. NATIONWIDE: Other insurance products
Other products GEICO Nationwide
Boat insurance
Condo insurance
Life insurance
Homeowners insurance
Travel trailer insurance
Renters insurance
RV insurance
Motorcycle insurance
Mobile home insurance
Umbrella
Offroad vehicles and ATVs

Find the best insurance policy for your needs.

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Renata Balasco photo
Renata BalascoContent Strategist

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist. Her expertise in property and casualty insurance informs her work in creating expert home and auto insurance guides to educate shoppers. 

Renata previously worked as a content specialist for Lifespan, the largest hospital system in the state of Rhode Island. She holds a bachelor’s degree in French Language and Communications from The University of Rhode Island.

Renata's work has been cited by Car and Driver, The Balance and Fox Business

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.