Geico vs. Nationwide: Which provider is better?

Geico vs. Nationwide: Which provider is better?

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Geico vs. Nationwide

Insurance giant Geico is the second-largest insurance company in the US. Geico prides itself on its streamlined process of purchasing car insurance, making it easy, quick and affordable. And its innovative app allows you to view your policy, submit a claim or even find the cheapest gas in your area.

Like Progressive, Nationwide also offers affordable car insurance through its numerous discounts, including a safe driver discount and a multi-car discount, among others. And it’s not far behind Geico, coming in as the eighth-largest insurance provider. Because of the similarities between these two companies, picking the right one can be tough. But we’ve pitted Progressive and Nationwide against each in this comprehensive breakdown to make your decision easier.

Geico

Geico

Nationwide

Nationwide

About the providerGeico’s been around since 1936 is the nation’s second-largest auto insurance company. It streamlines the process of purchasing comprehensive car insurance for your peace of mind.Nationwide is not just an auto insurance company, it is also one of the largest financial services companies in America. Its flexible options and member resources are among a few of the reasons people have chosen Nationwide since 1926.
PricePolicy costs depend your personal situation. Visit Geico for a quote based on your specific needs.Policy costs depend your personal situation. Visit Nationwide for a quote based on your specific needs.
States servedAll 50 states46
User satisfaction*N/AA
J.D. Power ratings**3/5 on overall claims satisfaction3/5 on overall claims satisfaction
Driver discountsView driver discountsView driver discounts
Vehicle discountsView vehicle discountsView vehicle discounts

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* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study


Driver discounts

Geico

Geico

Nationwide

Nationwide

Good student15% (full-time student, between 16-24 and B average or better)Varies (full-time student, B average or higher, 16 to 24)
Defensive driver
Good driverUp to 26% (5 years accident-free)Up to 10% (no at-fault accidents and free of major violations for at least 5 years)
Pay in full discount
MulticarUp to 25%
MilitaryUp to 15% (active duty, retired of member of the National guard or Reserves)
Homeowner
Other discounts

Federal employee – Up to 8%

Emergency deployment – Up to 25% (member of the Enduring Freedom or Iraqi Freedom operational forces)

Multi-policy / Multi-line discount – Varies

Membership and employee discount – Varies

Seat belt use – 15% (medical payments or personal injury portion of premium)

Multi policy discount – Up to 20%

SmartRide discount – 5-40% (usage based discount using plug-in device)

Nationwide Family Plan – Up to 25%

Easy-Pay sign-up discount

Affinity car insurance discounts – For members of partner business or organization

Paperless documents discount – Varies


Vehicle discounts

Geico

Geico

Nationwide

Nationwide

Anti-theft deviceUp to 25% (comprehensive portion of premium)Varies (factory-installed deterrents)
Anti-lock brake5% (collision portion of premium)
Passive restraintsN/AN/A
Air bag Up to 25% for driver-side airbags, or 40% for full-front seat airbag (applies to medical payments or personal injury)
Other discounts

Bottom line

Geico offers more discounts, but Nationwide isn’t far behind. And if those specific discounts don’t apply to your situation, then there’s no real benefit to you. So keep your personal situation in mind when making your decision, and you’ll make the right choice.

Compare all car insurance companies at once

Compare 7+ car insurance companies. Enter your zip code below and click ‘Compare Now’ to begin.

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