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Geico vs Nationwide car insurance

Geico vs Nationwide: Who has better car insurance?

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Roslyn McKenna
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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.

Geico

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Nationwide

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OVERVIEW

 OVERVIEW
About the provider
About the brand Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims. Nationwide is among the nation’s top ten car insurance providers, offering the full range of service and a promise to be “on your side” with stellar service.
States served
States served All 50 states
 All states except AK, HI, LA, MA

COVERAGE

 COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection Yes
Accident forgiveness
Accident forgiveness Yes Yes
Rideshare coverage
Rideshare coverage Yes No
SR-22 insurance
SR-22 insurance Yes Yes
Claims methods
Claims methods Online
Phone
Agent
 Online
Phone
Payment schedule
Payment schedule 12 months
6 months
custom
 12 months
6 months
Monthly

DISCOUNTS

 DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes, up to 25% Yes
Bundling discount
Bundling discount Varies Yes
Home owner discount
Home owner discount No No
Military discount
Military discount Yes, up to 15% No
Multi car discount
Multi car discount Yes, up to 25% No
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes, up to 15% Yes
Safe driver discount
Safe driver discount Yes, Varies by state Yes
Special employment discount
Special employment discount Yes No
Student discount
Student discount Yes, up to 15% Yes
Usage based discount
Usage based discount No Yes, 5-40%
Learn more
Learn more
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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 Safe driver discount Available states
Allstate
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Get quotes
More Info
Progressive
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Get quotes
More Info
The AARP Auto Insurance Program from The Hartford
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Get quotes
More Info
Root
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Get quotes
More Info
Savvy
Savvy
Optional
Depends on provider
Yes
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Get quotes
More Info
Liberty Mutual
Liberty Mutual
Optional
30%
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Get quotes
More Info
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