USAA vs Nationwide Car Insurance

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USAA or Nationwide:
Which Company is Best for You?

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.

Seeking additional insights? Check out our reviews of USAA and Nationwide.


USAA vs. Nationwide: rate comparison


USAA vs. Nationwide: pricing by credit score

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.


RATES BY CREDIT LEVEL: Nationwide VS. USAA
Credit levelUSAA avg. annual premiumNationwide avg. annual premium
Very Poor (300-579)$2,682$1,593
Fair (580-669)$1,247$1,262
Good (670-739)$1,057$1,283
Very Good (740-799)$910$1,109
Exceptional (800-850)$840$1,037

USAA vs. Nationwide: rates for drivers with bad records

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.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: Nationwide VS. USAA
CitationUSAA avg. annual premiumNationwide avg. annual premium
At-fault accident (damage < $1,000)$1,304$1,836
At-fault accident (damage > $1,000)$947$1,475
DUI/DWI$1,952$2,691
Reckless driving$1,472$2,508
Speeding ticket$1,124$1,469

USAA vs. Nationwide: rates by age

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 BRACKET INSURANCE RATE COMPARISON: Nationwide VS. USAA
AgeUSAA avg. annual premiumNationwide avg. annual premium
Teens$2,864$3,624
20s$1,261$1,582
30s$963$1,582
40s$957$1,151
50s$889$1,114
60s$845$1,028

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.

Discount ComparisonUSAANationwide
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 ComparisonUSAANationwide
Financial Strength SuperiorSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon
5 out of 5
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
User Satisfaction

A++

A+

Other ProductsUSAANationwide
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesUSAANationwide
AboutUSAA is known for their award-winning service, distinguished products and making their customers' needs a priority.Nationwide demonstrates customer appreciation and respect through dedicated, licensed professionals and superior claim service.
Roadside Assistance24-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 DiscountsUSAA offers additional discounts for vehicles with daytime running lights and vehicles in storage, as well as a legacy discount for members 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 QuestionsOur 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.
Can I get USAA insurance from son in law
Although I am not a licensed agent for USAA, it is my understanding that you need to be a child or spouse of an established members to get a policy. Meaning, you wouldn't be eligible to get your own policy away from your son-in-law.
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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.
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.
See More Questions
Compare MoreUSAA vs. 21st Century USAA vs. Allied USAA vs. Allstate USAA vs. American Family USAA vs. Amica Mutual Insurance USAA vs. Auto Club (AAA) USAA vs. Erie USAA vs. Esurance USAA vs. Farmers USAA vs. Foremost USAA vs. GEICO USAA vs. Infinity USAA vs. Liberty Mutual USAA vs. Mercury USAA vs. MetLife USAA vs. Progressive USAA vs. Root Insurance USAA vs. Safe Auto USAA vs. Safeco USAA vs. State Farm USAA vs. The General USAA vs. The Hartford USAA vs. Titan USAA vs. TravelersNationwide 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. Safe Auto Nationwide vs. Safeco Nationwide vs. State Farm Nationwide vs. The General Nationwide vs. The Hartford Nationwide vs. Travelers
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USAA vs Nationwide

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