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Nationwide vs. AAA: Which provider is better?

Nationwide vs. AAA

Updated

Fact checked

Nationwide and AAA are both household names, but not everyone is aware that AAA also provides car insurance in addition to roadside assistance and travel discounts.

In order to get insurance through AAA, you’ll need to be a member, which will set you back up to $100 annually. But with that membership come perks like emergency check cashing, theft reward, entertainment discounts and more.

Nationwide has many benefits as well. It offers vehicle and driver discounts, and has a reputation for great customer service. Nationwide earns an A from the Better Business Bureau.

If you’re trying to decide between these two providers, we’be got you covered. Below you will find a detailed side-by-side comparison of Nationwide and AAA.

Our top pick: Nationwide

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.

  • A+ Superior rating
  • On Your Side auto repair network
  • Plenti rewards program
 

Nationwide

AAA

OVERVIEW

OVERVIEW
About the provider
About the brand 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. Member benefits extend beyond car insurance to offer discounts, bike coverage and more.
States served
States served All states except AK, HI, LA, MA All 50 states

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Included free
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness Yes Yes
Rideshare coverage
Rideshare coverage No No
SR-22 insurance
SR-22 insurance Yes
Yes
Claims methods
Claims methods Online
Phone
online
email
phone
Payment schedule
Payment schedule 12 months
6 months
Monthly
12 months
6 months
monthly

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount No Yes, up to 37%
Military discount
Military discount No No
Multi car discount
Multi car discount No Yes, up 27%
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes Yes
Safe driver discount
Safe driver discount Yes Yes, up to 20%
Special employment discount
Special employment discount No No
Student discount
Student discount Yes Yes, up to 14%
Usage based discount
Usage based discount Yes, 5-40% No
Learn more
Learn more

Compare alternatives to Nationwide and AAA

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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Compare up to 4 providers

Bottom line

AAA might set you back a little more than Nationwide, but if you’re looking for the rewards that come with a AAA membership, it might be a good fit for you. If cost is your primary concern, Nationwide is a great choice. Compare your car insurance options to find the best insurance company for you.

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