Nationwide vs. USAA: Which insurer is better? | finder.com

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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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Our top pick: USAA

  • USAA won Finder's best pick for military drivers 3 years in a row
  • Some of the lowest rates and highest customer satisfaction
  • Geared for military, including overseas car-buying support and flexible payments
  • 24/7 online policy management from bills to claims
  • Earn dividends from company profits
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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.

Nationwide

USAA

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. 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

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection Yes No
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
Phone
Online
Phone
Payment schedule
Payment schedule 12 months
6 months
Monthly
12 months
6 months
custom

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
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 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.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus freebies and AARP member perks like free replacement cost coverage. Only for drivers over age 50.
Root
52%
Available in 30 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
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