GEICO vs. Nationwide Car Insurance (2021)

GEICO and Nationwide are leading car insurance companies with average monthly rates under $300/mo. However, your GEICO and Nationwide auto insurance quotes depend on personal factors, such as age, gender, marital status, credit score, and driving record. Compare GEICO vs. Nationwide car insurance to secure affordable rates.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 30, 2021

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The Highlights

  • GEICO is $20 cheaper than Nationwide car insurance
  • Age, gender, marital status, credit score, and driving record can affect your car insurance rates per month
  • Nationwide provides more coverage options than GEICO

You’re getting close to a car insurance policy, but you can’t decide between GEICO and Nationwide. Don’t worry – we’re here to help you compare car insurance.

Our GEICO vs. Nationwide car insurance guide explains everything you need to know about how premiums are calculated, which company has more coverage options and discounts, and what third-party agencies say about both companies.

Before jumping into this GEICO vs. Nationwide car insurance review, enter your ZIP code to compare multiple companies in your local area and find the rates within your budget.

GEICO vs. Nationwide: Which car insurance company is cheaper?

When comparing GEICO vs. Nationwide car insurance quotes, the average GEICO quote is $268 per month, but a Nationwide quote is $288 per month on average.

However, GEICO and Nationwide insurance premiums depend on various factors, such as age, gender, marital status, credit score, and driving record.

Is GEICO insurance good? Why is Nationwide insurance so expensive? If you want to learn more, check out our GEICO Insurance Reviews or Nationwide Reviews for more details.

Continue reading this review to learn how these factors impact two of the best insurance companies in the United States.

How do age, gender, and marital status affect GEICO and Nationwide car insurance?

Auto insurance companies use your age to determine your driving experience. Meanwhile, gender and marital status correlate to your overall risk (outlawed in some states).

The majority of locations in the United States use all three of these factors to estimate your car insurance premium. Let’s see how GEICO vs. Nationwide auto insurance compares.

GEICO vs. Nationwide Average Monthly Car Insurance Rates by Age, Gender, & Marital Status
Age, Gender, and Marital StatusGEICO Average Monthly Car Insurance RatesNationwide Average Monthly Car Insurance Rates
Married 60-year-old female$187$178
Married 60-year-old male$190$185
Married 35-year-old female$192$197
Married 35-year-old male$193$199
Single 25-year-old female$198$224
Single 25-year-old male$199$241
Single 17-year-old female$471$480
Single 17-year-old male$523$598
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When it comes to finding affordable GEICO vs. Nationwide car insurance, GEICO car insurance is cheaper than Nationwide concerning age, gender, and marital status. However, both companies have cheaper rates for teen and young adult drivers.

To slash prices for young drivers, focus on student and claims-free discounts.

Does credit score impact GEICO and Nationwide car insurance?

Did you know car insurance companies determine rates based on your credit score? Auto insurance providers assume that good and excellent credit correlates to fewer chances to file a claim.

What about customers with fair or poor credit? Let’s see GEICO and Nationwide calculate car insurance based on credit score.

GEICO vs. Nationwide Average Monthly Car Insurance Rates by Credit Scores
Credit Score SummaryGEICO Average Monthly Car Insurance RatesNationwide Average Monthly Car Insurance Rates
Good Credit Score (670-739)$203$244
Fair Credit Score (580-669)$249$271
Poor Credit Score (300-579)$355$340
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Nationwide auto insurance is more expensive, but only by a few more dollars. If you want to be as cost-efficient as possible, GEICO may be your best choice.

Can you save money on GEICO or Nationwide car insurance with a clean driving record?

A clean driving record is the quickest road to cheap car insurance. Driving violations (infractions) can drive up your rates. But how much do they increase? Let’s compare Nationwide vs. GEICO auto insurance-based driving records.

GEICO vs. Nationwide Average Monthly Car Insurance Rates by Driving Records
Driving Record SummaryGEICO Average Monthly Car Insurance RatesNationwide Average Monthly Car Insurance Rates
Clean Driving Record$179$229
With 1 Speeding Violation$220$259
With 1 Accident$266$283
With 1 DUI$406$379
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GEICO is cheaper, but Nationwide is cheapest for drivers who have a DUI conviction on their record. Speeding violations have a small impact on your car insurance rates.

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Comparing GEICO and Nationwide Car Insurance Coverages

An affordable auto insurance policy can help you save, but you’ll have to ensure that you get the coverage you need. So which company has more coverage options? Let’s review.

GEICO vs. Nationwide Car Insurance Coverages
GEICO Car Insurance CoveragesNationwide Car Insurance Coverages
Bodily Injury LiabilityBodily Injury Liability
Property Damage LiabilityProperty Damage Liability
Medical Payments coverageMedical Payments coverage
Uninsured & Underinsured Motorist coverageCollision coverage
CollisionComprehensive coverage
ComprehensiveUninsured & Underinsured Motorist Coverage
Emergency Roadside AssistancePersonal Injury Protection
Mechanical Breakdown InsuranceGAP Coverage
Rental Car ReimbursementRental auto Expense
Roadside Assistance
Accident Forgiveness
Vanishing Deductible
Total Loss Deductible Waiver
Towing and Labor Coverage
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Nationwide may be more expensive, but it has more coverage opportunities than GEICO. Bodily injury liability and property damage liability are part of the minimum requirements, but the other coverages are optional.

How can car insurance discounts lower GEICO and Nationwide rates?

If your personal factors generate higher than average car insurance premiums, you can still save money through GEICO and Nationwide discounts.

Let’s go through the list below to see which company has more deals. Use the search box to find what’s available.

GEICO vs. Nationwide Special and Standard Car Insurance Discounts
Car Insurance DiscountsGEICO AvailabilityNationwide Availability
Adaptive Cruise Control
Adaptive Headlights
Anti-lock Brakes
Anti-Theft
Daytime Running Lights
Electronic Stability Control
Utility Vehicle
Vehicle Recovery
VIN Etching
Lane Departure Warning
Newer Vehicle
Green Vehicle
Forward Collision Warning
Claim Free
Continuous Coverage
Defensive Driver
Distant Student
Driver's Ed
Driving Device/App
Early Signing
Emergency Deployment
Engaged Couple
Family Legacy
Family Plan
Farm Vehicle
Fast 5
Federal Employee
Full Payment
Further Education
Garaging/Storing
Good Credit
Good Student
Homeowner
Life Insurance
Low Mileage
Loyalty
Married
Membership/Group
Military
Military Garaging
Multiple Drivers
Multiple Policies
Multiple Vehicles
New Address
New Customer/New Plan
New Graduate
Newly Licensed
Newlyweds
Non-Smoker/Non-Drinker
Occasional Operator
Occupation
On-Time Payments
Online Shopper
Paperless Documents
Paperless/Auto Billing
Passive Restraint
Recent Retirees
Renter
Roadside Assistance
Safe Driver
Seat Belt Use
Senior Driver
Stable Residence
Students & Alumni
Switching Provider
Volunteer
Young Driver
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Nationwide has more discounts despite being the more expensive company. With enough discounts, Nationwide can compete with GEICO car insurance premiums.

You can take it a step further and bundle your car insurance with other insurance products. Both companies provide various insurance products, but Nationwide has a pet insurance policy you can add.

Financial Strength and Customer Satisfaction Ratings: GEICO vs. Nationwide Car Insurance

Before you buy an auto insurance policy, always examine the company’s ratings where you’re getting a quote. Ratings can reassure your decision to purchase or decline a quote.

Let’s compare GEICO vs. Nationwide financial strength and consumer complaint data.

GEICO vs. Nationwide Financial Strength, Credit, and Customer Satisfaction & Complaint Ratings
AgenciesGEICO RatingsNationwide Ratings
AM BestA++ (Superior)A+ (Excellent)
Moody'sAa3 (Excellent)A1 (Good)
S&PAA+ (Very Good)A+ (Good)
NAIC Complaint Index1.141.45
J.D. Power - Power Circle RatingsAbout AverageAbout Average
Consumer Reports8988
Apple App Store (iOS)5 stars2 stars
Google Play Store (Android)5 stars3 stars
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Overall, GEICO’s ratings are much better than Nationwide’s. However, both companies have these same ratings under J.D. Power’s Auto Insurance Shopping Study and Claims Satisfaction Study.

When it comes to mobile apps, GEICO has overtaken Nationwide with perfect 5-star ratings. But both companies have a consumer complaint ratio that’s higher than average.

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GEICO vs. Nationwide Car Insurance: What’s the bottom line?

After viewing the rate comparison between GEICO and Nationwide, we can see that GEICO is the less expensive company. But, Nationwide provides more car insurance coverage options and more discounts.

Should you buy GEICO vs. Nationwide car insurance? You can see several pros and cons at both companies, but it all depends on what’s best for you.

If a GEICO vs. Nationwide car insurance rates comparison isn’t right for you, feel free to look elsewhere.

Now that you’ve finished this GEICO vs. Nationwide car insurance review, use our free online quote tool below to compare the best companies near you.

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