Nationwide vs. USAA: Which Car Insurance Is Cheaper?
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UPDATED: Jun 2, 2021
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- The USAA insurance market share is larger than the Nationwide insurance market share
- Although USAA car insurance is cheaper, it’s only available to military families
- Nationwide provides more coverage options and discounts
- Both companies have consumer complaint rates that are higher than average
You have a lot of choices when it comes to auto insurance companies, and comparing them side by side can help you narrow down your options. In this guide, we will look at the pros and cons of Nationwide vs. USAA car insurance companies.
Which company will provide the best and cheapest car insurance for you? We’ll compare rates, discounts, financial ratings, and customer satisfaction ratings to help you answer that question.
Keep reading to compare affordable Nationwide vs. USAA car insurance quotes, or enter your ZIP code to see quotes from multiple companies in your area.
Nationwide vs. USAA car insurance rates: Which company is cheapest on average?
When we look at the national average rate comparison, USAA is $77/mo cheaper than Nationwide insurance.
Although USAA is cheaper, only military members, veterans, and their immediate families are eligible for USAA insurance policies.
Those who are not affiliated with the military will have to get car insurance through another company, such as Nationwide.
But your car insurance rates vary based on several factors, including:
- Credit history
- Driving record
- Age, gender, and marital status
Continue reading this guide to learn how these factors affect Nationwide and USAA car insurance.
Nationwide vs. USAA car insurance: Which company is cheapest by credit history?
Many people are surprised to discover that their credit affects their car insurance rates. According to Experian, car insurance providers issue cheaper rates to customers with good or excellent credit.
But why? Car insurance companies believe credit correlates to the risk of filing a claim: the better your credit, the less likely you’ll file a claim.
But how do Nationwide and USAA respond to credit history? Let’s compare both companies.
|Credit History||Nationwide Average Monthly Rates||USAA Average Monthly Rates|
|Good Credit History||$244||$152|
|Fair Credit History||$271||$185|
|Poor Credit History||$340||$308|
USAA car insurance is about $90/mo cheaper for those with good and fair credit. Of course, if you’re not connected to the U.S. military, Nationwide would be the better choice.
You may live in a state, such as California or Michigan, where basing car insurance on credit score is illegal. Check out our car insurance by state page before judging Nationwide vs. USAA car insurance rates based on credit score alone.
Nationwide vs. USAA car insurance: Which company is cheapest by driving record?
One of the most significant factors when determining car insurance rates is a person’s driving record. Maintaining a clean driving record is a reliable method for keeping your car insurance affordable.
Let’s see how Nationwide and USAA issue rates based on different driving records.
|Driving Records||Nationwide Average Monthly Rates||USAA Average Monthly Rates|
|With 1 Speeding Violation||$259||$183|
|With 1 Accident||$283||$210|
|With 1 DUI||$379||$292|
While clean driving records produce discounted rates, accidents and DUI convictions increase your car insurance cost the most.
Overall, USAA remains the cheaper company.
Nationwide vs. USAA car insurance: Which company is cheapest by age, gender, and marital status?
In some states, car insurance companies have been banned from taking gender into account when setting rates. However, age and marital status determine car insurance costs everywhere in the United States.
What do car insurance rates look like for Nationwide and USAA when considering all three factors? Let’s review.
|Age, Gender, Marital Status||Nationwide Average Monthly Rates||USAA Average Monthly Rates|
|Married 60-year-old female||$178||$121|
|Married 60-year-old male||$185||$121|
|Married 35-year-old female||$197||$129|
|Married 35-year-old male||$199||$128|
|Single 25-year-old female||$224||$166|
|Single 25-year-old male||$241||$177|
|Single 17-year-old female||$480||$401|
|Single 17-year-old male||$598||$449|
Teen car insurance is the most expensive at both companies, but the Nationwide car insurance rates are a few dollars more. Teens could also benefit from USAA or Nationwide roadside assistance to make sure they aren’t stranded without help.
Senior drivers pay the least for car insurance, and married drivers have more affordable rates than single drivers.
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Nationwide vs. USAA Car Insurance Discounts
All car insurance companies carry standard and special discounts. The more discounts a company has, the more opportunities for you to save.
So which company has more discounts? Let’s compare Nationwide and USAA’s deals.
|Discounts||Nationwide Availability||USAA Availability|
|Adaptive Cruise Control||x||n/a|
|Daytime Running Lights||x||x|
|Electronic Stability Control||x||n/a|
|Lane Departure Warning||x||n/a|
|Forward Collision Warning||x||n/a|
|Students & Alumni||x||n/a|
Although Nationwide is more expensive than USAA, Nationwide insurance has more discounts. When compared, Nationwide has 35 discounts, and USAA has 28.
Call the Nationwide or USAA customer service phone number to ask about more discounts and bundling policies.
Nationwide vs. USAA Financial Strength Ratings
The price of insurance isn’t the best or worst way to determine how well a company performs. To get a better idea about an insurance company’s reliability, you should look at its ratings.
We’ve researched the ratings for you and compiled them into one information table. Let’s check it out.
|Agencies||Nationwide Ratings||USAA Ratings|
|NAIC Complaint Index||1.45||1.8|
|J.D. Power - Power Circle Ratings||About Average||Among The Best|
|iOS App Rating||2 stars||5 stars|
|Android App Rating||3 stars||5 stars|
Overall, USAA ratings are much better than Nationwide ratings. However, Nationwide has a better consumer complaint rating from the National Association of Insurance Commissioners.
Nationwide vs. USAA: What’s the bottom line?
You may have thought about the pros and cons of both companies as you were reading.
The pros at USAA are the cheaper rates and overall good ratings, but the disadvantage is that USAA is only available to military affiliates and their families.
Before you buy Nationwide vs. USAA car insurance, enter your ZIP code to start comparing multiple car insurance companies in your area.
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