Nationwide vs. USAA: Discounts, savings and comparison | finder.com

Nationwide vs. USAA: Discounts, savings and comparison

Nationwide vs. USAA

Founded in 1926, Nationwide is the eighth-largest insurance provider in the US. The company ranks high in customer service, getting an A+ Superior rating from A.M. 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 — 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, like Nationwide’s safe driver discount and USAA’s new vehicle discount.

With so many similarities between the two providers, which one should you choose? Below we compare both companies side by side so you can determine which one best suits your needs.

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NationwideNationwideUSAAUSAA
AboutNationwide 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.Operating since 1922, USAA is a company that deals primarily with military members and their families. It offers a wide array of products ranging from car insurance, homeowners insurance, banking, investing and more.
PricePolicy costs depend your personal situation. Visit Nationwide for a quote based on your specific needs.Policy costs depend your personal situation. Visit USAA for a quote based on your specific needs.
States served46All 50 states
User satisfaction*AA+
J.D. Power ratings**3/5 on overall claims satisfaction5/5 on overall claims satisfaction
Driver discountsView driver discounts
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

NationwideNationwideUSAAUSAA
Good studentVaries (full-time student, B average or higher, 16 to 24)Yes
Defensive driverYesYes
Good driverUp to 10% (no at-fault accidents and free of major violations for at least 5 years)Yes(good driving record for more than 5 years)
Pay in full discountNoNo
Multi carNoYes
MilitaryNoYes
HomeownerNoNo
Other discounts
  • 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
  • Annual mileage discount – Only for those over the age of 29
  • Driver training discount – For drivers under 21

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Vehicle discounts

NationwideNationwideUSAAUSAA
Anti-theft deviceVaries (factory-installed deterrents)Yes
Anti-lock brakeNoNo
Passive restraintsN/AN/A
Air bagNoYes
Other discounts 

 

  • New vehicle discount – Vehicles under 3 years old Vehicle storage – Up to 60% (only for stored cars being insured)

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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.

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