GEICO vs. Nationwide

Compare rates from the top car insurance companies in your area.

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

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 Above averageAbove average
User Satisfaction 4.4/54.4/5
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.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 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 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 QuestionsI 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
Compare MoreGEICO 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 Insurance GEICO vs. Safe Auto GEICO vs. Safeco GEICO vs. State Farm GEICO vs. The General GEICO vs. The Hartford GEICO vs. Titan GEICO vs. Travelers GEICO vs. USAANationwide 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 Insurance Nationwide vs. Safe Auto Nationwide vs. Safeco Nationwide vs. State Farm Nationwide vs. The General Nationwide vs. The Hartford Nationwide vs. Travelers Nationwide vs. USAA
Top StatesArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas