Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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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

UPDATED: Aug 17, 2021

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Key Takeaways

  • Nationwide and USAA offer competitive rates
  • While Nationwide is available to everyone, USAA is only available to military personnel and their families
  • Those with infractions on their driving record will find Nationwide more affordable
  • Both Nationwide and USAA offer discounts that can save you a bundle

When searching for a new car insurance company, you may find yourself wondering which is easier to find, Nationwide vs. USAA car insurance. You can check out the USAA or Nationwide car insurance review and get some great information.

However, looking at them side by side makes it easier to decide which is the better fit for your financial situation.

USAA offers excellent rates, but coverage is only available to active or retired military members and their families. Nationwide is available for everyone but may not be affordable for all.

Keep reading to find out everything you need to know about Nationwide vs. USAA car insurance. For free quotes from top-rated car insurance companies near you, enter your ZIP code here and start saving today.

Where will I find the best rates, with Nationwide or USAA car insurance company?

Saving money on your car insurance is an easy way to put extra cash back into your budget. Both Nationwide and USAA have a lot to offer. When you get a USAA or Nationwide quote, they look at your age, location, credit history, education, driving record, and more to determine your rates.

If you’ve read the USAA car insurance review, you realize its coverage is only for active or retired military members and their families. This may knock the company out of the running for you right away.

If you do qualify for USAA car insurance, we can help you determine if it might be a good fit.

Keep reading to learn about how easy it is to find affordable Nationwide and USAA car insurance rates.

Nationwide vs. USAA: Rates Based on Credit History

When you apply for a loan, you know that your credit is going to play a role. However, many people don’t realize that it also impacts their car insurance rates. The better your credit score, the cheaper your rates will be.

So, if your credit score is less than stellar, improving it can help make your car insurance more affordable.

Nationwide vs. USAA Average Monthly Rates Based on Credit Score
Credit ScoreNationwide Average Monthly RatesUSAA Average Monthly Rates
800-850 (Exceptional)$86.42$70.00
740-799 (Very Good)$92.42$75.83
670-739 (Good)$103.17$80.08
580-669 (Fair)$105.17$103.92
300-579 (Very Poor)$132.75$223.50
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As you can see, USAA offers better rates regardless of your credit score. So, less than perfect credit along with a military affiliation may mean USAA is the best place for affordable car insurance.

Keep in mind that some states, like California, have passed legislation making it illegal for car insurance companies to consider your credit score when setting rates. 

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Nationwide vs. USAA: Rates Based on Age

The more experience you have driving, the cheaper your Nationwide or USAA car insurance rates will be. Young drivers tend to get into more accidents and are therefore more costly to insure.

Teenager car insurance rates aren’t going to be cheap regardless of which company you choose. So, comparing rates for your young driver will ensure that you aren’t spending more than you need to.

Nationwide vs. USAA Average Monthly Rates Based on Age Group
AgeAverage Nationwide Monthly PremiumAverage USAA Monthly Premium
Teenagers$302.00$238.67
20-29$131.83$105.08
30-39$131.83$80.25
40-49$95.92$79.75
50-59$92.83$74.08
60-69$85.67$70.42
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The most significant drop in your insurance will be when you leave your teenage years, and then your rates should continue to decrease steadily in the years that follow, assuming you maintain a clean driving record. 

Does Nationwide or USAA have user-friendly websites and mobile apps?

You now know more about Nationwide and USAA car insurance quotes and customer satisfaction levels, but what about the companies’ online presence?

Whether you’re trying to make a Nationwide online payment or find information on Nationwide’s GAP insurance, it is simple to do. The company’s website is straightforward and easy to navigate.

Additionally, Nationwide has done well with the mobile app. From the mobile app, you can:

  • Print insurance cards
  • Manage payment methods
  • Make a payment
  • File a claim
  • Contact roadside assistance
  • Check claim status

All of these features are convenient and make handling your car insurance simple.

USAA’s website is also easy to navigate. You can find information on various topics, including car and homeowners insurance, banking, and more. You can use your USAA insurance login to see details on your account or scan the website to look over discounts and other pieces of information.

The USAA mobile app is a little harder to navigate than Nationwide’s, but it’s still reasonably user friendly. You won’t need to search for the USAA roadside assistance number or wonder if your new ID card is in the mail. You will have access to all that on the app.

It’s important to note, if you bank with USAA, the app puts all of your accounts in one place. This allows you to easily keep track of not only your car insurance but also your bank accounts. When it comes to car insurance, the USAA mobile app will allow you to:

  • File a claim
  • Print ID cards
  • Contact roadside assistance
  • View accounts
  • View balances

The USAA app is not quite as advanced as Nationwide’s, but it is simple to use and provides you with a decent number of features. So, regardless of what company you choose, you should be happy with what their websites and apps have to offer.

Hopefully, this article has shown you everything you need to know about Nationwide vs. USAA car insurance. To compare free quotes from the best car insurance companies near you, enter your ZIP code here.