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Nationwide vs. USAA: Which insurer is better?

Both companies have a long company history, but USAA stands out for its dependable customer support.

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Founded in 1926, Nationwide is the eighth-largest insurance company in the US. The company ranks high in customer service, getting an A+ Superior rating from AM Best and an A from the Better Business Bureau. Like Nationwide, USAA has been around since the 1920s and gets an excellent grade from the BBB with an A+.

USAA was founded on its mission to proudly serve our military, and its focus on service for its members makes it one of the highest-ranking companies in customer satisfaction year after year. Both Nationwide and USAA offer discounts to make car insurance more affordable, but USAA takes the lead for the number of available discounts.

With so many similarities between the two insurers, which one should you choose? USAA is our top pick for its ongoing stellar customer support and reputation. However, if you don’t qualify for USAA, Nationwide is a solid contender. Below we compare both companies side by side so you can determine which one best suits your needs.




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. Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
States served
States served All states except AK, HI, LA, MA All 50 states & DC


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


Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount No Yes
Military discount
Military discount No Yes
Multi car discount
Multi car discount No Yes
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
Special employment discount
Special employment discount No Yes
Student discount
Student discount Yes Yes
Usage based discount
Usage based discount Yes, 5-40% Yes
Learn more
Learn more

Bottom line

Having served in the military or being a family member of someone who has qualifies you to get coverage through USAA. And if you qualify, USAA’s stellar reputation makes this provider a top contender. But if you’re not fortunate enough to qualify for insurance through USAA, Nationwide is a solid choice. Compare your car insurance options to find the best insurance company for you.

Compare alternatives to Nationwide and USAA

Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
AARP Auto Insurance Program from The Hartford
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.
The Zebra
All 50 states
loan/lease coverage
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.
Depends on provider
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.

Compare up to 4 providers

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