Picking an auto insurance company can be tough: rates fluctuate based on your driving record, age, and location, and every company's discounts vary. USAA and Nationwide are two of the nation's most popular insurers, selling competitively priced insurance policies across large swaths of the US.
In an effort to make insurance shopping seamless, we collected typical policy rates from Nationwide and USAA. The below cover a variety of rating factors, including credit quality, driving infractions, and age. Examine these rates and find the perfect policy for you.
If you have very poor credit, Nationwide could be preferable to USAA. Typically, Nationwide offers more affordable premiums than USAA for drivers with credit scores of 579 or less. Drivers with extraordinary credit — a score of 800-plus — should opt for USAA, which typically beats Nationwide by $197 per year. Check out average insurance rates by credit score for Nationwide and USAA below.
|Credit level||USAA avg. annual premium||Nationwide avg. annual premium|
|Very Poor (300-579)||$2,682||$1,593|
|Very Good (740-799)||$910||$1,109|
If you've got an at-fault accident, speeding ticket, reckless driving violation, or DUI on your driving record, USAA could be a better choice than Nationwide. Each auto insurance company prices its policies differently, so always do your due diligence and compare quotes to figure out which insurance company suits you.
|Citation||USAA avg. annual premium||Nationwide avg. annual premium|
|At-fault accident (damage < $1,000)||$1,304||$1,836|
|At-fault accident (damage > $1,000)||$947||$1,475|
Auto insurance companies use a driver's age to estimate risk, assigning rates accordingly. Insurance is often more expensive for beginning and young drivers — thanks to their inexperience — and more affordable for middle-aged drivers. Since every insurance company evaluates ages differently, it's wise to compare rates and find a great fit.
As a general rule, teen drivers should choose USAA before Nationwide: USAA offers average yearly savings of $760 versusNationwide.
|Age||USAA avg. annual premium||Nationwide avg. annual premium|
Finances aside, USAA and Nationwide both have pros and cons, including discount programs, customer satisfaction ratings, add-ons, 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||Excellent||Above average|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|About||USAA is known for their award-winning service, distinguished products and making their customers' needs a priority.||Auto insurance from Nationwide gives you peace of mind. When you choose an On Your Side Auto Repair Network® facility, you can get a written guarantee on your car repairs. With our On Your Side Claims® Service, you also get personal service like the On Your Side® Review, an annual check-in with your insurance professional to review your coverage. And with multi-policy and other discounts, such as the SmartRide® and SmartMiles® usage-based programs, you get peace of mind and value.|
|Roadside Assistance||24-hour roadside assistance is included in all of USAA's Extended Vehicle Protection programs. Pricing varies depending on which plan you select. Roadside assistance will pay up to $100 per occurrence of the following: towing service, flat tire change, emergency gas delivery, battery jump, and locksmith services. Substitute Transportation is available up to $250 per occurrence. Travel/Lodging Reimbursement is available up to $300 per occurrence.||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||USAA offers discounts for vehicles with daytime running lights and vehicles in storage, as well as a legacy discount for drivers under 25 years old whose parents have had USAA auto insurance.||Nationwide offers additional savings through a Family Discount, which allows you to share discounts with members of your family.|
|Recent Questions||Am I covered for an accident if my policy had lapsed while without an Uber passenger?|
Unfortunately, if there was no coverage in place, no company will honor the claim. Uber coverage is in place while the app is active, though this only covers liability.Our son-in-law is a USAA member (Navy). Can we join also?
Parents are not eligible for USAA. I believe USAA eligibility flows "downstream" — so descendants, i.e.Can my brother use his insurance for damage he caused to my vehicle?
Unfortunately, car insurance follows the vehicle, not the driver. In this case, he cannot use his own insurance to cover the damage he caused to your vehicle.Agree to be paid out of pocket with driver with no license
To sum, having her pay out of pocket might be your best option. Let me explain.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 legislator that would prohibit employment status 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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