Picking an auto insurance company is complex: companies' rates vary based on your location, age, and driving history, and companies offer an array of perks. USAA and Nationwide are two of America's most popular insurance companies, offering competitively priced insurance policies in most states.
In an effort to take the sting out of shopping for car insurance, we've pulled average rates from Nationwide and USAA. The below cover myriad rating factors, including credit score, driving history, and age. Examine these figures and find the perfect policy for you.
If you have very poor credit, Nationwide could be the best option for you. On average, Nationwide offers lower rates than USAA for drivers with credit scores of lower than 580. Those with exceptional credit — a score of 800 or better — should opt for USAA, which typically beats Nationwide by $197 per year. View common insurance rates by credit tier 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 have an at-fault collision, speeding violation, reckless driving violation, or DUI on your record, USAA could be a better choice than Nationwide. Each insurer enacts rate penalties differently, so don't hesitate to shop around to figure out which insurer is best for you.
|Violation||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 as an indicator of potential risk, pricing policies accordingly. Auto insurance is usually more expensive for drivers younger than 25 — thanks to their inexperience — and most affordable for older drivers. Because each insurance company prices ages differently, it's smart to shop around and find a great rate.
As a general rule, teen drivers should choose USAA over Nationwide: USAA offers average yearly savings of $760, compared to Nationwide.
|Age||USAA avg. annual premium||Nationwide avg. annual premium|
Aside from affordability, USAA and Nationwide come with 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||5 out of 5||4 out of 5|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|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||Can my brother use his insurance for damage he caused to my vehicle?|
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|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 USAA vs. SAFECO USAA vs. Safe Auto 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. Farmers Nationwide vs. Foremost Nationwide vs. GEICO Nationwide vs. Infinity Nationwide vs. Liberty Mutual Nationwide vs. Mercury Nationwide vs. MetLife Nationwide vs. Progressive Nationwide vs. Root Nationwide vs. SAFECO Nationwide vs. Safe Auto 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|
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