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Geico vs Nationwide car insurance

Roslyn McKenna
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Geico vs Nationwide: Who has better car insurance?

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.

If cost is your number one factor, Geico may offer the lowest rates, but get a quote from both companies before you make your decision.

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Geico

Geico

 Nationwide

Nationwide
About the provider Geico’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.
Price Policy 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 served All 50 states 46
User satisfaction* N/A A
J.D. Power ratings** 3/5 on overall claims satisfaction 3/5 on overall claims satisfaction
Driver discounts View driver discounts View driver discounts
Vehicle discounts View vehicle discounts View 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 student 15% (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 driver Up 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
Multicar Up to 25%
Military Up 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 device Up to 25% (comprehensive portion of premium) Varies (factory-installed deterrents)
Anti-lock brake 5% (collision portion of premium)
Passive restraints N/A N/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. If neither one’s right for you, compare car insurance options to find the best policy for you.

Compare alternatives to Geico and Nationwide

Name Product Roadside assistance New car protection Accident forgiveness Available states
Progressive
Progressive
Optional
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
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Metromile
Metromile
Optional
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
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Allstate
Allstate
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
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Liberty Mutual
Liberty Mutual
Optional
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
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Root
Root
AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 24 states.
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Esurance
Esurance
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
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Farmers
Farmers
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
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Clearcover
Clearcover
Optional
CA, IL
A new company with a minimalist approach to insurance. Find basic coverage, low rates and online-based service.
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