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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.
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|About||USAA 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 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 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 Questions||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.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.See More Questions
|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 More||USAA 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. Travelers||Nationwide 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|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|