Nationwide vs. USAA: Best Auto Insurance for 2021
Nationwide and USAA are two of the best auto insurance companies in the United States, so compare Nationwide vs. USAA auto insurance rates to determine which company is cheaper for you. On average, Nationwide insurance is $77 more per month than USAA insurance. However, rates vary for each person based on where you live and the kind of car you drive.
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UPDATED: May 3, 2021
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- USAA insurance’s market share is larger than Nationwide insurance
- Although USAA auto insurance is cheaper, it’s only available to military families
- Nationwide provides more coverage options and discounts
- Both companies have consumer complaints that are higher than average
You’ve narrowed your auto insurance shopping list to Nationwide and USAA. To see which company is better, you’ll need to compare Nationwide vs. USAA auto insurance and other aspects that fit your needs.
Don’t worry – we’re here to help you with the next step to find the right coverage options.
Read through this guide to learn more about Nationwide vs. USAA auto insurance costs, what factors affect your premiums, and third-party ratings of both companies. Enter your ZIP code in the free comparison tool above to compare multiple companies near you.
Nationwide vs. USAA Auto Insurance Rates: Which company is cheapest on average?
When we look at the national average rate comparison, USAA is $77/mo cheaper than Nationwide insurance.
Although USAA is cheaper, only veterans and their immediate families are eligible for USAA insurance policies. Therefore, non-veterans will have to get car insurance through another company, such as Nationwide.
But your car insurance rates vary based on several factors. Those factors include:
- Credit History
- Driving Record
- Age, Gender, and Marital Status
- Location (State)
Continue reading this guide to learn how these factors affect Nationwide and USAA auto insurance.
Nationwide vs. USAA Auto Insurance: Which company is cheapest by credit history?
Did you know your credit affects your auto insurance rates? According to Experian, car insurance providers issue cheaper rates for customers with good or excellent credit.
But why? Auto insurance companies believe credit correlates to the risk of filing claims: the better your credit, the less chance you’ll file a claim.
But how do Nationwide and USAA respond to credit history? Let’s compare both companies.
|Credit History||Nationwide Average Monthly Rates||USAA Average Monthly Rates|
|Good Credit History||$244||$152|
|Fair Credit History||$271||$185|
|Poor Credit History||$340||$308|
USAA car insurance is about $90/mo cheaper for good and fair credit. If you’re not connected to the U.S. military, Nationwide would be the better choice.
Nationwide vs. USAA Auto Insurance: Which company is cheapest by driving record?
One of the most significant factors when determining auto insurance rates is driving record. Maintaining a clean driving record is a reliable method to keep car insurance affordable.
Let’s see how Nationwide and USAA respond to driving records with one infraction.
|Driving Records||Nationwide Average Monthly Rates||USAA Average Monthly Rates|
|With 1 Speeding Violation||$259||$183|
|With 1 Accident||$283||$210|
|With 1 DUI||$379||$292|
While clean driving records produce discounted rates, accidents and DUI convictions increase your auto insurance the most.
Overall, Nationwide is more expensive, and USAA remains the cheaper company.
Nationwide vs. USAA Auto Insurance: Which company is cheapest by age, gender, and marital status?
In some states, gender has been outlawed as a factor to determine auto insurance. However, age and marital status determine car insurance costs everywhere in the United States.
What does auto insurance look like for Nationwide and USAA when auto insurance companies consider all three factors. Let’s review.
|Age, Gender, Marital Status||Nationwide Average Monthly Rates||USAA Average Monthly Rates|
|Married 60-year-old female||$178||$121|
|Married 60-year-old male||$185||$121|
|Married 35-year-old female||$197||$129|
|Married 35-year-old male||$199||$128|
|Single 25-year-old female||$224||$166|
|Single 25-year-old male||$241||$177|
|Single 17-year-old female||$480||$401|
|Single 17-year-old male||$598||$449|
Teen auto insurance is the most expensive at both companies, but Nationwide car insurance rates are a few dollars more.
Senior drivers pay the least for car insurance, and married drivers have more affordable rates than single drivers.
Nationwide vs. USAA Auto Insurance: Which company is cheapest by the state?
Where you live can determine your car insurance cost. Each state carries a unique monthly cost, which we’ve collected for you.
Use the search box in the top right-hand corner of the information below to find your state’s Nationwide and USAA monthly auto insurance rates.
|State||Nationwide Average Monthly Rates||USAA Average Monthly Rates|
|Alaska||Data Not Available||$205|
|District of Columbia||$404||$215|
|Indiana||Data Not Available||$136|
|Louisiana||Data Not Available||$363|
|Maine||Data Not Available||$161|
|Massachusetts||Data Not Available||$122|
|North Carolina||$237||Data Not Available|
|New Jersey||Data Not Available||Data Not Available|
|Oklahoma||Data Not Available||$265|
|South Dakota||$228||Data Not Available|
|West Virginia||Data Not Available||$165|
States that don’t have available rates are likely to have rates close to the national average.
Nationwide is cheaper than USAA in Missouri and Washington. USAA is less expensive in all other states.
Nationwide vs. USAA Auto Insurance: Which company is cheapest by vehicle?
Finally, let’s look at how a vehicle’s make and model year determine auto insurance rates.
|Vehicle Make and Model Year||Nationwide Average Monthly Rates||USAA Average Monthly Rates|
|2018 Toyota RAV4: XLE||$277||$211|
|2018 Honda Civic Sedan: LX with 2.0L 4cyl and CVT||$280||$202|
|2018 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6||$281||$238|
|2015 Toyota RAV4: XLE||$293||$205|
|2015 Honda Civic Sedan: LX with 2.0L 4cyl and CVT||$296||$201|
|2015 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6||$298||$213|
Usually, older model vehicles would be cheaper for car insurance. However, new cars come with more safety features and anti-theft features, making them easier to avoid accidents and thefts.
Therefore, new vehicles have special auto insurance discounts attached to them because of the preventative measures built into them.
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Nationwide vs. USAA Auto Insurance Discounts
All auto insurance companies carry standard and special discounts. The more discounts a company has, the more opportunities for you to save.
So which company has more discounts? Let’s compare Nationwide and USAA’s deals.
|Discounts||Nationwide Availability||USAA Availability|
|Adaptive Cruise Control||x|
|Daytime Running Lights||x||x|
|Electronic Stability Control||x|
|Lane Departure Warning||x|
|Forward Collision Warning||x|
|New Customer/New Plan|
|On Time Payments|
|Seat Belt Use|
|Students & Alumni||x|
Although Nationwide is more expensive than USAA, Nationwide insurance has more discounts. When compared to each other, Nationwide has 35 discounts, but USAA has 28.
Nationwide vs. USAA: How does homeownership affect auto insurance?
When you have full coverage auto insurance, you get various coverages, including roadside assistance. But you can take it a step further and enroll in other insurance products to save money.
Homeowners who need homeowners insurance can save about 12% on their entire insurance bill.
This is known as bundling your insurance policies. With two or more insurance policies, you can lower your insurance bill.
Nationwide vs. USAA Financial Strength Ratings
The price of insurance isn’t the best or worst way to determine how well a company performs. To get a better idea about an insurance company, you should look at its ratings.
We’ve researched the ratings for you and compiled them into one information table. Let’s check it out.
|Agencies||Nationwide Ratings||USAA Ratings|
|NAIC Complaint Index||1.45||1.8|
|J.D. Power - Power Circle Ratings||About Average||Among The Best|
|iOS App Rating||2 stars||5 stars|
|Android App Rating||3 stars||5 stars|
Overall, USAA ratings are much better than Nationwide. However, Nationwide has a better consumer complaint rating under the National Association of Insurance Commissioners.
Nationwide vs. USAA: What’s the bottom line?
You may have thought about the pros and cons of both companies as you were reading.
The pros at USAA are the cheaper rates and overall good ratings, but the disadvantage is USAA is only available to military and their families.
This only leaves Nationwide as the other alternative if you’ve picked these two companies.
Why not take it a step further? Now that you know more about Nationwide vs. USAA auto insurance by using our free online quote tool below to find affordable auto insurance rates from providers in your local area.