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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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 3, 2021

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Can't-Miss Facts

  • 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)
  • Vehicle

Continue reading this guide to learn how these factors affect Nationwide and USAA auto insurance.

If you want to know more about Nationwide and USAA, check out the Nationwide auto insurance review and USAA insurance review for more details.

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.

Nationwide vs. USAA Average Monthly Auto Insurance Rates by Credit History
Credit HistoryNationwide Average Monthly RatesUSAA Average Monthly Rates
Good Credit History$244$152
Fair Credit History$271$185
Poor Credit History$340$308
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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.

Nationwide vs. USAA Average Monthly Auto Insurance Rates by Driving Record
Driving RecordsNationwide Average Monthly RatesUSAA Average Monthly Rates
Clean Record$229$161
With 1 Speeding Violation$259$183
With 1 Accident$283$210
With 1 DUI$379$292
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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.

Nationwide vs. USAA Average Monthly Auto Insurance Rates by Age, Gender, and Marital Status
Age, Gender, Marital StatusNationwide Average Monthly RatesUSAA 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
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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.

Nationwide vs. USAA Average Monthly Auto Insurance Rates by State
StateNationwide Average Monthly RatesUSAA Average Monthly Rates
AlaskaData Not Available$205
Alabama$222$177
Arkansas$322$181
Arizona$291$257
California$388$224
Colorado$312$278
Connecticut$306$266
District of Columbia$404$215
Delaware$361$194
Florida$362$238
Georgia$540$263
Hawaii$213$99
Iowa$228$154
Idaho$253$156
Illinois$226$231
IndianaData Not Available$136
Kansas$206$199
Kentucky$459$241
LouisianaData Not Available$363
MaineData Not Available$161
Maryland$243$229
MassachusettsData Not Available$122
Michigan$527$302
Minnesota$244$238
Missouri$189$210
Mississippi$230$171
Montana$290$169
North Carolina$237Data Not Available
North Dakota$213$167
Nebraska$217$194
New Hampshire$208$159
New JerseyData Not AvailableData Not Available
New Mexico$293$191
Nevada$290$256
New York$334$313
Ohio$275$123
OklahomaData Not Available$265
Oregon$265$216
Pennsylvania$233$149
Rhode Island$367$360
South Carolina$302$285
South Dakota$228Data Not Available
Tennessee$285$228
Texas$322$207
Utah$249$208
Virginia$173$155
Vermont$177$159
Washington$177$189
West VirginiaData Not Available$165
Wisconsin$435$248
Wyoming$266$232
*National Average$288$211
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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.

Nationwide vs. USAA Average Monthly Auto Insurance Rates by Vehicle Make and Model Year
Vehicle Make and Model YearNationwide Average Monthly RatesUSAA 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
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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.

Comparing Nationwide vs. USAA Discounts
DiscountsNationwide AvailabilityUSAA Availability
Adaptive Cruise Controlx
Adaptive Headlightsx
Anti-lock Brakesxx
Anti-Theftxx
Daytime Running Lightsxx
Electronic Stability Controlx
Utility Vehicle
Vehicle Recoveryxx
VIN Etchingxx
Lane Departure Warningx
Newer Vehiclexx
Green Vehicle
Forward Collision Warningx
Claim Freexx
Continuous Coverage
Defensive Driverxx
Distant Studentxx
Driver's Edx
Driving Device/Appxx
Early Signingxx
Emergency Deployment
Engaged Couple
Family Legacyx
Family Planx
Farm Vehicle
Fast 5
Federal Employee
Full Payment
Further Educationx
Garaging/Storingx
Good Creditx
Good Studentxx
Homeownerx
Life Insurancex
Low Mileagexx
Loyaltyxx
Marriedxx
Membership/Groupx
Militaryx
Military Garagingx
Multiple Drivers
Multiple Policiesxx
Multiple Vehiclesxx
New Address
New Customer/New Plan
New Graduate
Newly Licensed
Newlyweds
Non-Smoker/Non-Drinker
Occasional Operatorx
Occupationx
On Time Payments
Online Shopper
Paperless Documentsx
Paperless/Auto Billingxx
Passive Restraintxx
Recent Retirees
Renter
Roadside Assistance
Safe Driverxx
Seat Belt Use
Senior Driverx
Stable Residencex
Students & Alumnix
Switching Provider
Volunteer
Young Driverx
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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.

Comparing Nationwide vs. USAA Ratings
AgenciesNationwide RatingsUSAA Ratings
AM BestA+A++
Moody'sA1Aa1
S&PA+AA+
NAIC Complaint Index1.451.8
J.D. Power - Power Circle RatingsAbout AverageAmong The Best
Consumer Reports8895
iOS App Rating2 stars5 stars
Android App Rating3 stars5 stars
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Overall, USAA ratings are much better than Nationwide. However, Nationwide has a better consumer complaint rating under the National Association of Insurance Commissioners.

Meanwhile, USAA has a perfect score under mobile app ratings and an excellent rating under J.D. Power's U.S. Auto Insurance Shopping and Claims Satisfaction Study.

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.

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Enter your ZIP code below to compare auto insurance rates.

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