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.
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.
|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 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.
|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|
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.
|Age bracket||GEICO avg. annual premium||Nationwide avg. annual premium|
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.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings||Above average||Above average|
|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.||Auto Insurance from Nationwide gives you peace of mind when you're on the road. Save money without sacrificing coverage by participating in one of our usage-based discount programs, and save even more with multi-policy discounts. With our On Your Side Claims® Service, you'll get a written guarantee on repairs and a choice of qualified car repair shops you can trust.|
|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 as well as discounts for federal employees. Moreover, the company 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||I made two claims last year. Should I file a third?|
If you're filing a claim to fix the damages caused to the fence, you should go ahead and get your vehicle fixed as well; events that go on your insurance history will mark all the payouts as coming from the same claim. However, having three recent claims will likely result in your rate increasing, so consider shopping around for cheaper insurance elsewhere.Will comprehensive insurance cover damages caused by road debris?
Sorry to hear about your accident. If you have comprehensive, it should cover any damages caused by debris.Which insurance companies will insure a driver without a license?
You may check with Geico to see if they will take an unlicensed driver. However, in my experience, they will not.Should I stay with my car insurance company even if I'm getting a better quote from elsewhere?
It's possible that your agent is simply trying to keep your business. However, he may actually be correct.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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|Top States||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|