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GEICO vs. Nationwide: Which Car Insurance Is Cheaper?

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: May 27, 2021

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Key Takeaways

  • GEICO car insurance is cheaper most of the time, but Nationwide is cheaper if you are over 65 or have poor credit
  • The two companies have similar A.M. Best and BBB ratings
  • GEICO scores higher in customer satisfaction than Nationwide

Comparing the best car insurance companies side by side is a great way to narrow down your options when you need to choose a provider.

We’ll compare GEICO vs. Nationwide car insurance companies so that you can pick the one that best suits your needs.

Which company will provide the best and cheapest car insurance for you? We’ll compare rates, discounts, and ratings to help you find the answer.

Keep reading to compare affordable Nationwide vs. GEICO auto insurance quotes, or enter your ZIP code to see quotes from multiple companies in your area.

Is GEICO or Nationwide car insurance cheaper?

Auto insurance companies use a variety of factors to determine the cost of your coverage. The most common factors looked at are your age, driving record, and credit history.

These factors combined determine how affordable GEICO vs. Nationwide car insurance is for you. Nationwide and GEICO quotes will vary depending on the driver’s personal situation.

Let’s look at how age affects car insurance rates. Younger drivers usually pay much higher rates since they lack experience. Generally, rates go down as you age.

GEICO vs. Nationwide Average Annual Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusGEICO Average Annual RatesNationwide Average Annual Rates
Single 17-year-old female5653.555756.37
Single 17-year-old male6278.967175.31
Single 25-year-old female2378.892686.48
Single 25-year-old male2262.872889.04
Married 35-year-old female2302.892360.49
Married 35-year-old male2312.382387.43
Married 60-year-old female2240.62130.26
Married 60-year-old male2283.452214.62
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GEICO insurance is cheaper until you hit 65, then Nationwide offers the best rates. Men pay more than women with either company.

One of the most important things car insurance companies look at is your driving record. If you have accidents, tickets, or DUIs, you will be considered a riskier driver and will pay higher rates.

GEICO vs. Nationwide Average Annual Rates by 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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Nationwide is cheaper if you have a DUI, but GEICO is cheaper if you have a clean record, or if you have a speeding ticket or an accident on your record.

Your credit history can also be used to calculate your car insurance rates in most states. If you have a high credit score, you are more likely to pay for damages yourself and less likely to file a Nationwide or GEICO claim.

GEICO vs. Nationwide Average Annual Rates by Credit History
Credit HistoryGEICO Average Annual RatesNationwide Average Annual Rates
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GEICO is cheaper than Nationwide insurance unless you have poor credit, then Nationwide is the cheaper option.

You may live in a state such as California, where basing car insurance on credit scores is illegal. Check out our car insurance by state page before judging Nationwide vs. GEICO auto insurance rates based on credit score alone.

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Does GEICO or Nationwide have better car insurance discounts?

Auto insurance discounts can make a huge difference in your rates. Many car insurance companies offer common discounts like good student and multi-car. They also allow you to bundle these discounts to save even more.

This table shows you the car insurance discounts offered by GEICO and Nationwide and the amount of the discount if it’s known.

GEICO vs. Nationwide Car Insurance Discounts
Adaptive Cruise ControlN/Ax
Adaptive HeadlightsN/Ax
Anti-lock Brakes5%5%
Claim Free26%10%
Continuous CoveragexN/A
Daytime Running Lights1%5%
Defensive Driverx5%
Distant Studentx10%
Driver's EdxN/A
Driving Device/Appx40%
Early Signingx8%
Electronic Stability ControlN/Ax
Emergency Deployment25%N/A
Family LegacyxN/A
Family PlanN/A25%
Farm VehiclexN/A
Federal Employee8%N/A
Forward Collision WarningN/Ax
Full PaymentxN/A
Further Educationx15%
Good CreditN/Ax
Good Student15%10%
Lane Departure WarningN/Ax
Life InsuranceN/Ax
Low Mileagexx
Multiple Policies10%10%
Multiple Vehicles25%20%
Newer Vehiclexx
Paperless DocumentsN/A5%
Paperless/Auto BillingN/A$30
Passive Restraint40%20%
Safe Driver15%35%
Seat Belt Use15%N/A
Stable ResidenceN/Ax
Students & Alumnix7%
Utility VehiclexN/A
Vehicle Recovery25%25%
VIN EtchingN/Ax
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Although both companies offer a lot of the same discounts, there are some differences. For example, GEICO offers a continuous coverage discount and Nationwide doesn’t. Nationwide offers a discount for being married and GEICO doesn’t.

When you compare GEICO vs. Nationwide car insurance rates, be sure to factor in any discounts you may be eligible to receive.

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

A.M. Best rates the financial strength of insurance companies. GEICO received an A++ rating from A.M. Best and Nationwide received an A+, which means they both 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. This should help put you at ease when you are deciding to buy Nationwide vs. GEICO auto insurance.

J.D. Power ranked GEICO and Nationwide on customer satisfaction, based on factors like prices, billing, the claims process, and what is offered.

In general, GEICO ranked around or above average, and Nationwide ranked either average or below average.

Both companies offer mobile apps and websites where you can use your Nationwide or GEICO login to view your ID cards and coverage information, pay your bill, and access GEICO or Nationwide roadside assistance.

GEICO customer service is available 24/7, but Nationwide customer service is only available during certain hours.

GEICO and Nationwide pet insurance coverage is also available. Policyholders can also take advantage of Nationwide retirement services, which GEICO does not offer.

Now that you’ve compared GEICO vs. Nationwide car insurance, enter your ZIP code to see quotes from multiple car insurance companies in your area.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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