Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Aug 11, 2021

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Key Takeaways

  • Most of the time GEICO has the cheapest car insurance rates, but Nationwide is cheaper if you are 35 or older or have poor credit
  • A.M. Best and BBB rating are similar for both companies
  • GEICO scores higher in customer satisfaction than Nationwide car insurance companies

Comparing car insurance companies side by side will help you narrow down the vast number of options available to you. We will compare GEICO vs. Nationwide car insurance companies so that you can pick the one that best suits your needs.

You can decide whether any company is right for you by comparing prices, discounts, and ratings.

Before starting this before you compare GEICO vs. Nationwide car insurance review, enter your ZIP code to receive free quotes from multiple companies in your area.

Is GEICO or Nationwide car insurance cheaper?

Auto insurance companies calculate the cost of the coverage based on a range of factors. Your age, driving record, and credit history are the most common factors used.

These factors will be combined to calculate how affordable GEICO vs. Nationwide car insurance is for you. GEICO vs. Nationwide car insurance rates will vary by the driver based on your personal situation.

Let’s take a look at how age impacts the cost of auto insurance. Since they lack experience, younger drivers typically pay a much higher rate. When you get older, the rates tend to decrease.

GEICO vs. Nationwide Average Annual Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusGEICO Average Annual RatesNationwide Average Annual Rates
Single 17-year-old female$5,405.23$5,431.46
Single 17-year-old male$5,955.63$6,815.00
Single 25-year-old female$2,312.93$2,431.91
Single 25-year old male$2,171.06$2,739.66
Married 35-year-old female$2,253.30$2,202.69
Married 35-year-old male$2,237.96$2,214.18
Married 60-year-old female$2,107.40$1,987.35
Married 60-year-old male$2,188.44$2,005.06
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GEICO insurance is less expensive until you reach the age of 35, at which point Nationwide offers the best rates. Males also pay a higher rate with each company.

Your driving record is one of the most important factors that car insurance companies consider. You will be considered a riskier driver and will pay higher rates if you have had crashes, tickets, or DUIs.

GEICO vs. Nationwide Average Annual Rates Based on Driving Record
Driving RecordGEICO Average Annual RatesNationwide Average Annual Rates
Clean record$2,145.96$2,746.18
With 1 accident$3,192.77$3,396.95
With 1 DUI$4,875.87$4,543.20
With 1 speeding violation$2,645.43$3,113.68
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If you have a DUI, Nationwide is less expensive, but GEICO is less expensive if you have a clean driving record, a speeding ticket, or an accident.

In most states, your credit history can also be used to determine your car insurance rates. Car insurance companies believe that if you have a good credit score, you are more likely to pay for your own damages and less likely to file a claim.

GEICO vs. Nationwide Average Annual Rates Based on Credit History
Credit HistoryGEICO Average Annual RatesNationwide Average Annual Rates
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GEICO insurance is less expensive than Nationwide insurance unless you have bad credit, in which case Nationwide is the less expensive option.

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Does GEICO or Nationwide have better car insurance discounts?

Discounts on auto insurance can make a significant difference in your rates. Many car insurance companies provide common discounts, such as good student and multi-car discounts. You can also combine these discounts to save even more money.

The car insurance discounts offered by GEICO and Nationwide are included in this table, along with the amount of the discount if it is known.

GEICO vs. Nationwide Car Insurance Discounts
Car Insurance DiscountsGEICO (%)Nationwide (%)
Adaptive Cruise ControlN/Ax
Adaptive HeadlightsN/Ax
Anti-lock Brakes55
Claim Free2610
Continuous CoveragexN/A
Daytime Running Lights15
Defensive Driverx5
Distant Studentx10
Driver's EdxN/A
Driving Device/Appx40
Early Signingx8
Electronic Stability ControlN/Ax
Emergency Deployment25N/A
Family LegacyxN/A
Family PlanN/A25
Farm VehiclexN/A
Federal Employee8N/A
Forward Collision WarningN/Ax
Full PaymentxN/A
Further Educationx15
Good CreditN/Ax
Good Student1510
Lane Departure WarningN/Ax
Life InsuranceN/Ax
Low Mileagexx
Multiple Policies1010
Multiple Vehicles2520
Newer Vehiclexx
Paperless DocumentsN/A5
Paperless/Auto BillingN/A$30
Passive Restraint4020
Safe Driver1535
Seat Belt Use15N/A
Stable ResidenceN/Ax
Students & Alumnix7
Utility VehiclexN/A
Vehicle Recovery1525
VIN EtchingN/Ax
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There are some differences between the two companies, despite the fact that they offer many of the same discounts. For example, GEICO provides a discount for constant coverage while Nationwide does not. GEICO does not offer a discount for being married, but Nationwide does.

When you compare GEICO vs. Nationwide car insurance quotes, be sure to count any discounts you may be eligible to receive.

How do GEICO and Nationwide compare in financial strength and customer satisfaction?

The financial strength of a company is assessed by A.M. Best. GEICO was given an A++ rating, while Nationwide was given an A+, indicating that both companies have a superior ability to meet financial obligations.

Both companies also received an A+ rating from the Better Business Bureau and are accredited as well.

Customer satisfaction, including pricing, billing, claims, and what is offered, was ranked by J.D. Power for GEICO and Nationwide. GEICO was rated around or above average, while Nationwide was rated average to below average.

Both companies offer mobile apps and websites where you can find your ID cards, coverage information, pay your bill, and access roadside assistance. With Nationwide and GEICO, get a quote online, by phone, or through a local agent.

GEICO customer service is available 24/7, but Nationwide customer service is only available during certain hours. Both companies also offer additional services like pet insurance and GEICO commercial auto insurance.

Evaluate the pros and cons with GEICO and Nationwide to determine if one of these companies is right for you. You can also check out our GEICO car insurance review and our Nationwide car insurance review to get more information about these two companies.

Deciding to buy GEICO vs. Nationwide car insurance can be a difficult decision. To determine if either is right for you, look at rates, discounts, and ratings. You can also compare additional companies to see which one is the best fit.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!

Now that you’ve finished this Nationwide vs. GEICO car insurance review, enter your ZIP code to compare quotes from several companies near you.