GEICO vs. Nationwide: Best Auto Insurance for 2021

When comparing GEICO vs Nationwide, GEICO offers the cheapest auto insurance rates on average. However, Nationwide insurance is cheaper for drivers over 35 or who have bad credit. Don't forget to consider the many car insurance discounts offered when you compare GEICO vs. Nationwide auto insurance quotes.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: May 17, 2021

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Can't-Miss Facts

  • On average, GEICO is usually cheaper than Nationwide.
  • Nationwide insurance is cheaper if you are over 35 or have bad credit.
  • Both companies score similarly with A.M. Best and the Better Business Bureau (BBB), but GEICO has better customer satisfaction scores.

There are many automobile insurance companies out there, and it can be hard to decide which one is right for you. We’ll compare GEICO vs. Nationwide auto insurance side by side to see which one can offer you the best deal.

We’ll show you each company’s rates, discounts, and ratings so you can weigh the pros and cons.

The good news is that you don’t have to stop your comparison shopping with GEICO vs. Nationwide. Enter your ZIP code now to compare auto insurance quotes from multiple companies near you for free.

Is GEICO auto insurance or Nationwide auto insurance cheaper?

Your auto insurance rates are determined by many different factors. Some of the most common factors used are your age, gender, marital status, driving record, and credit score.

These factors will determine how affordable GEICO vs. Nationwide auto insurance is for you. Remember, because these factors are different for everyone, auto insurance rates vary significantly.

First, let’s look at GEICO vs. Nationwide auto insurance rates by demographics. Age, gender, and marital status can all affect your rates.

GEICO vs. Nationwide Average Annual Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusGEICO Average Annual RatesNationwide Average Annual Rates
Single 17-year-old female$5,405.23$5,431.46
Single 17-year-old male$5,955.63$6,815.00
Single 25-year-old female$2,312.93$2,431.91
Single 25-year old male$2,171.06$2,739.66
Married 35-year-old female$2,253.30$2,202.69
Married 35-year-old male$2,237.96$2,214.18
Married 60-year-old female$2,107.40$1,987.35
Married 60-year-old male$2,188.44$2,005.06
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GEICO is the cheaper option until you’re 35 years old, then Nationwide offers the lower rates.

One of the most significant factors auto insurance companies look at is your driving record. If you have accidents, tickets, or DUIs on your record, you will pay much higher rates.

GEICO vs. Nationwide Average Annual Rates Based on Driving Record
Driving RecordGEICO Average Annual RatesNationwide Average Annual Rates
Clean record$2,145.96$2,746.18
With 1 accident$3,192.77$3,396.95
With 1 DUI$4,875.87$4,543.20
With 1 speeding violation$2,645.43$3,113.68
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GEICO is cheaper unless you have a DUI on your driving record. Drivers with DUIs will get cheaper auto insurance from Nationwide.

It might surprise you to learn that your credit score can also affect your car insurance rates. Auto insurance companies believe that if you have a good credit score, you’re more likely to pay for your own damages and less likely to file a claim.

GEICO vs. Nationwide Average Annual Rates Based on Credit History
Credit HistoryGEICO Average Annual RatesNationwide Average Annual Rates
Good$2,434.82$2,925.94
Fair$2,986.79$3,254.83
Poor$4,259.50$4,083.29
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Nationwide auto insurance is cheaper if you have bad credit. However, if you have good or fair credit, GEICO will offer you cheaper rates.

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Does GEICO or Nationwide have better auto insurance discounts?

Car insurance discounts — like the multi-vehicle or good student discount — can save you a significant amount on your rates.

This table shows you the discounts offered by GEICO and Nationwide. The discount amount is listed if this information is known.

GEICO vs. Nationwide Auto Insurance Discounts
Auto Insurance DiscountsGEICO (%)Nationwide (%)
Adaptive Cruise ControlN/Ax
Adaptive HeadlightsN/Ax
Anti-lock Brakes55
Anti-Theft2525
Claim Free2610
Continuous CoveragexN/A
Daytime Running Lights15
Defensive Driverx5
Distant Studentx10
Driver's EdxN/A
Driving Device/Appx40
Early Signingx8
Electronic Stability ControlN/Ax
Emergency Deployment25N/A
Family LegacyxN/A
Family PlanN/A25
Farm VehiclexN/A
Federal Employee8N/A
Forward Collision WarningN/Ax
Full PaymentxN/A
Further Educationx15
Good CreditN/Ax
Good Student1510
Homeownerx5
Lane Departure WarningN/Ax
Life InsuranceN/Ax
Low Mileagexx
Loyaltyx5
MarriedN/Ax
Membership/Groupx7
Military15N/A
Multiple Policies1010
Multiple Vehicles2520
Newer Vehiclexx
Occupationx15
Paperless DocumentsN/A5
Paperless/Auto BillingN/A$30
Passive Restraint4020
Safe Driver1535
Seat Belt Use15N/A
Stable ResidenceN/Ax
Students & Alumnix7
Utility VehiclexN/A
Vehicle Recovery1525
VIN EtchingN/Ax
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Although many of the same discounts are offered by both companies, there are some differences. For example, GEICO offers a driver’s ed discount and Nationwide doesn’t. On the other hand, Nationwide offers a discount for going paperless and GEICO doesn’t.

When you compare GEICO vs. Nationwide auto insurance quotes, be sure to factor in any discounts you may be eligible to receive.

How does GEICO vs. Nationwide compare in financial strength and customer satisfaction?

A.M. Best is a credit rating agency that assesses the financial strength of insurance companies. GEICO was given an A++ rating, while Nationwide was given an A+, indicating that both companies have a superior ability to meet financial obligations.

Both companies also received an A+ rating from the Better Business Bureau and are accredited as well.

J.D. Power rated GEICO and Nationwide for customer satisfaction based on pricing, billing, claims, and what is offered by each company. GEICO was rated around or above average, while Nationwide was rated average to below average.

The companies are very similar in other ways as well. GEICO and Nationwide both offer easy-to-use websites and mobile apps that allow you to access your account at any time. You can also get a Nationwide or GEICO quote through the companies’ websites.

Each company offers additional services and products as well, such as roadside assistance and pet insurance. Read our GEICO review and our Nationwide auto insurance review to learn more.

When deciding whether to buy GEICO vs. Nationwide auto insurance, think about the rates, discounts, and ratings above. You can also compare additional companies to see which one is the best fit.

Now that you’ve compared GEICO vs. Nationwide auto insurance, enter your ZIP code to see quotes from multiple companies near you for free.

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