Nationwide vs Safe Auto Car Insurance

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Nationwide or Safe Auto:
Which Company is Best for You?

Deciding on a car insurance company can be complicated: companies' rates differ based on your driving record, age, and location, and insurers offer a variety of perks. Nationwide and Safe Auto are two of the top insurance companies, providing affordable insurance policies in most regions.

In an effort to make shopping for car insurance easier, we've pulled average policy rates from Safe Auto and Nationwide. These take into account myriad rating factors, including credit history, driving infractions, and age. Examine these rates and find your next car insurance policy today.

Seeking more info? Check out our reviews of Nationwide and Safe Auto.


Nationwide vs. Safe Auto: insurance rate comparison


Nationwide vs. Safe Auto: pricing by credit score

If you have very poor credit, Nationwide could be the way to go. On average, Nationwide offers lower prices than Safe Auto for prospective clients with credit scores of lower than 580. Drivers with extraordinary credit — a score of 800-plus — should opt for Nationwide, which typically beats Safe Auto by $884 per year. View average insurance rates by credit score for Safe Auto and Nationwide below.


RATES BY CREDIT SCORE: Safe Auto VS. Nationwide
Credit levelNationwide avg. annual premiumSafe Auto avg. annual premium
Very Poor (300-579)$1,593$3,799
Fair (580-669)$1,262$2,483
Good (670-739)$1,283$3,358
Very Good (740-799)$1,109$1,937
Exceptional (800-850)$1,037$1,921

Nationwide vs. Safe Auto: high-risk insurance rate comparison

If you are carrying an at-fault crash, speeding violation, reckless driving citation, or DUI offense on your record, Nationwide could be a better choice than Safe Auto. Each auto insurance company will handle driving offenses differently, so it's worth comparing quotes to understand which insurer suits you.


RATES BY VIOLATION: Safe Auto VS. Nationwide
ViolationNationwide avg. annual premiumSafe Auto avg. annual premium
At-fault accident (damage < $1,000)$1,836$2,867
At-fault accident (damage > $1,000)$1,475$2,837
DUI/DWI$2,691$2,867
Reckless driving$2,508$2,867
Speeding ticket$1,469$2,738

Nationwide vs. Safe Auto: rates by age

Car insurance companies use a driver's age as an estimator of risk, pricing policies accordingly. An insurance policy is typically most expensive for drivers younger than 25 — due to their increased odds of being involved in an accident — and more affordable for middle-aged drivers. Since every insurance company prices ages in a different way, it's worth comparing rates and shopping around.

As a general rule, teen drivers should choose Nationwide over Safe Auto: Nationwide offers average yearly savings of $4,638 versusSafe Auto.


RATES BY AGE: Safe Auto VS. Nationwide
Age bracketNationwide avg. annual premiumSafe Auto avg. annual premium
Teens$3,624$8,262
20s$1,582$2,764
30s$1,163$2,764
40s$1,151$2,053
50s$1,114$1,862
60s$1,028$1,707

Aside from finances, Nationwide and Safe Auto come with pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

Discount ComparisonNationwideSafe Auto
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 ComparisonNationwideSafe Auto
Financial Strength SuperiorGood
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A+

A+

Other ProductsNationwideSafe Auto
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Other FeaturesNationwideSafe Auto
AboutNationwide demonstrates customer appreciation and respect through dedicated, licensed professionals and superior claim service.Safe Auto strives to provide affordable insurance to every driver, no matter the situation.
Roadside AssistanceNationwide'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.Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable.
Additional DiscountsNationwide offers additional savings through a Family Discount, which allows you to share discounts with members of your family.Safe Auto specializes in providing minimum, state required coverage and full coverage to drivers who have had some trouble getting affordable rates due to tickets, accidents, and license issues.
Recent QuestionsWhat's the ADOT code for Nationwide
The ADOT code for Nationwide would be listed on your policy documents. But for Nationwide, it is 0014.
Will an insurance company tell me if someone has paid a loan off?
Unfortunately an insurance company is not able to get information on another person's loan status due to privacy laws. Typically when a loan is fully paid off for a vehicle, then the title is transferred to the owner, who should then turn it over to you with the vehicle.
I was rear-ended but the driver drove off before we exchanged information
The safest course of action would be to contact your insurance company with all the information possible. Including the police report and the at-fault driver's license plate information.
If I hit an uninsured driver, can he go after me for damages?
Georgia isn't a "No-Pay No-Play" state, so if the insured driver is considered to be at-fault for the crash then the not at-fault party's insurance status does not have a bearing on any claims payout. Long story short, they can claim their vehicle damage and injuries if the other driver is at-fault.
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Should I get full coverage from a less well-known insurer?
Whether or not the company is a "mainstream" provider doesn't mean that you would have a bad claims experience. There are several companies out there that have been around for several years and just don't advertise like other companies.
Who is at-fault when parking spot stopper had bolts sticking out of it?
Unfortunately you would be considered at fault for the damage to your vehicle. If you file a claim, it will likely be paid under collision coverage, meaning you'll be required to pay your deductible.
If my daughter is uninsured and gets rear-ended by another driver, will their insurance cover her damage?
In most instances of rear-end accidents, the driver who was hit is normally considered to be not at fault so I'd recommend that your daughter contact the insurance company of the other driver to start the claims process. In Texas, your insurance status (or lack thereof) should not keep you from being compensated if you are hit by an at-fault driver.
Do car insurance companies share information?
The new insurance company is likely to find out about the accident, but that will come from your driving reports when you buy your policy. The majority of insurance companies request a motor vehicle report (MVR) and a comprehensive loss underwriting exchange (CLUE) report to verify the accuracy of a new customer's driving record.
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Compare MoreNationwide 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. GEICO 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. Safeco Nationwide vs. State Farm Nationwide vs. The General Nationwide vs. The Hartford Nationwide vs. Travelers Nationwide vs. USAASafe Auto vs. 21st Century Safe Auto vs. Allied Safe Auto vs. Allstate Safe Auto vs. American Family Safe Auto vs. Amica Mutual Insurance Safe Auto vs. Auto Club (AAA) Safe Auto vs. Erie Safe Auto vs. Esurance Safe Auto vs. Farm Bureau Mutual Safe Auto vs. Farmers Safe Auto vs. Foremost Safe Auto vs. GEICO Safe Auto vs. Infinity Safe Auto vs. Liberty Mutual Safe Auto vs. Mercury Safe Auto vs. MetLife Safe Auto vs. North Star Mutual Safe Auto vs. Progressive Safe Auto vs. Safeco Safe Auto vs. State Farm Safe Auto vs. The General Safe Auto vs. The Hartford Safe Auto vs. Titan Safe Auto vs. Travelers Safe Auto vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona Georgia Illinois Indiana Louisiana Missouri Ohio Pennsylvania Texas Virginia
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Nationwide vs Safe Auto

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