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Nationwide Vs. Geico

Find out which is the better option for you.

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06/18/2023 10:27 PM

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Nationwide and Geico are well-known in the auto industry, but when it comes down to it, which car insurance company is a better choice for you? In this review, we will compare Nationwide vs. Geico coverage, pricing, and more. Both providers made it into our rankings for the nation’s best car insurance providers. In the end, though, you only need one to insure you and your vehicle.

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Nationwide Vs. Geico Overview

When we reviewed Nationwide and Geico individually, we found Nationwide to be the best choice on the market for seniors and Geico to be the best choice overall. Let’s see if those rankings hold true as we compare Nationwide vs. Geico.

The table below summarizes our review scores for each insurer and may be useful for comparing the two at a glance.

NationwideGeico
Overall Rating4.34.6
SuperlativeN/ABest for Discounts
Availability47 states50 states
Coverage4.24.2
Cost4.54.7
Customer Service4.44.4
AM Best Financial Strength RatingA+A++
J.D. Power Claims Satisfaction868/1,000874/1,000
Mobile App Google Play Rating4.24.6

Nationwide Vs. Geico: Coverage

Both Nationwide and Geico provide standard coverage, including liability auto insurance, collision insurance, and more. You can also get roadside assistance and rental car reimbursement with either auto insurance company.

NationwideGeico
Bodily Injury Liability (BI)
Property Damage Liability (PD)
Collision
Comprehensive
Personal Injury Protection (PIP)
Medical Payments (MedPay)
Uninsured/Underinsured Motorist (UM/UIM)
Roadside Assistance
Rental Car Reimbursement
Mechanical Breakdown Insurance (MBI)
Rideshare Insurance
Accident Forgiveness
Gap Insurance
Deductible Savings
Towing and Labor
Total Loss Deductible Waiver

Standout Coverage From Nationwide

  • Accident forgiveness: This type of coverage protects your car insurance rates from sky-rocketing after your first at-fault accident.
  • Vanishing deductible: This reduces your deductible by $100, up to a maximum of $500, for every year spent driving safely.
  • Total loss deductible: When your car is deemed a total loss due to a covered accident, you won’t have to pay a comprehensive or collision deductible.

Standout Coverage From Geico

  • Mechanical breakdown insurance: This type of coverage protects you from paying the cost of car repairs out-of-pocket after a mechanical breakdown.
  • Rideshare insurance: This insurance is beneficial for customers who drive for a ridesharing service such as Uber or Lyft. It covers passengers’ injuries after an accident and rental car reimbursement.

Nationwide Vs. Geico: Cost

In our research, we discovered that Nationwide car insurance is generally more affordable than Geico. A 35-year-old driver with a good credit history and clean driving record pays an average of $1,2831 per year for a full coverage policy with Nationwide versus $1,308 per year with Geico.

Nationwide Vs. Geico Car Insurance Discounts

But anytime you compare insurance, you should see if you are eligible for any discounts that can affect your premium. The following table compares Nationwide vs. Geico discounts.

NationwideGeico
Multiple Policy
Safe Driver
Anti-Theft
Usage-based Program
Multiple Vehicle
Good Student
Vehicle Safety
Military
Emergency Deployment
Anti-Lock Brakes
Daytime Running Lights
New Car
Passive Restraints
Defensive Driving
Federal Employee
Automatic Payments
Defensive Driving
Affinity Membership

Geico has more discounts available than Nationwide that can help drivers save money. Here are a few discounts we like from each company:

  • Nationwide defensive driving discount: If you complete a pre-approved defensive driving course, you could save money on your car insurance rates.
  • Nationwide affinity membership discount: Nationwide partners with various alumni, professional, and academic organizations to give members discounts on car insurance.
  • Geico military discounts: If you are an active-duty or retired military member, you could save money on car insurance from Geico. Additionally, If you are in the military and deployed, you could qualify for a discount.
  • Geico vehicle safety discounts: Cars with anti-theft devices, anti-lock brakes, seatbelts, or daytime running lights qualify for various discounts.

Nationwide SmartRide® Vs. Geico DriveEasy

Another important consideration when comparing Nationwide vs. Geico is the safe driving programs offered by the companies. By driving safely while logged into the mobile app or using a plug-in device, you can save on your car insurance premium.

Nationwide SmartRideGeico DriveEasy
Through the Nationwide mobile app or plug-in deviceThrough the Geico mobile app or plug-in device
10 percent discount for signing upUp to 20 percent off for signing up
Up to 40 percent off over time for safe driving2.4 stars on Google Play
4.3 stars on Google Play

Nationwide Vs. Geico: Ratings And Reviews

When rated by industry experts, Nationwide and Geico both perform well across multiple categories.

NationwideGeico
Better Business Bureau (BBB) RatingA+A+
AM Best Financial Strength RatingA+A++

The BBB rates auto insurance companies based on business practices and transparency, while AM Best scores based on a company’s ability to pay out claims.

To give you some more clarity, we used J.D. Power’s 2022 Auto Insurance StudySM to compare Nationwide vs. Geico by region. Use the chart below to see how each provider performed in your area based on a 1,000-point scale for customer satisfaction.

RegionNationwideGeico
California787824
Central800847
Florida-833
Mid-Atlantic829834
New England-827
New York-829
North Central809847
Northwest-832
Southeast850843
Southwest-827
Texas-843

Between Geico vs. Nationwide, Geico won in every region in the U.S. for overall customer satisfaction except the Southeast region.

Nationwide Vs. Geico Customer Reviews

Here is a sampling of positive and negative reviews that we thought best summed up the strengths and weaknesses customers have experienced with each provider.

Nationwide Insurance Reviews

“I have had Nationwide auto insurance for over 15 years, and I have never had a problem. When my car was hit by a drunk driver, Nationwide paid for the repairs and then they in turn, went after the other insurance company for reimbursement. Within a matter of a week, I had my own car back, fixed like new. Thank you, Nationwide!”

-Kimberly A. via BBB

“[Nationwide] constantly [raises] rates for no reason. [Its] customer service representatives have lied to me multiple times about the real reason for the rate increases, and my agent told me he would get me quotes from other companies instead of dealing with the real issue.”

-Brandon T. via BBB

Geico Insurance Reviews

“I’ve been a customer of Geico for close to 20 years. My kids have had a few accidents, and they have been extremely professional and I have zero complaints about the claims they handled. Their service has been outstanding.”

-Kenneth A. via BBB

“Very poor company to deal with. Their client was 100 percent at fault in [an] auto accident, but they are only willing to pay 70 percent of damages to my vehicle… He was issued the ticket for [an] improper lane change causing an accident, but they don't want to accept full liability for [the] accident…”

-Matthew W. via BBB

Nationwide Vs. Geico: Conclusion

We've rated both Nationwide and Geico highly for coverage, cost, and customer satisfaction. But the two insurers are not the same. While Nationwide has more coverage options, Geico pulls ahead in cost, quotes and claims processes, and reputation. All in all, we think Geico is the better overall provider when choosing between Nationwide vs. Geico.

CoverageNationwide
Cost And DiscountsGeico
Quotes And Claims ProcessesGeico
Ratings And Customer ReviewsGeico
OverallGeico

Keep in mind that your own car insurance rates depend on a number of different factors, so it’s worth getting quotes from both companies and comparing coverage. If you are prioritizing coverage options, Nationwide might be the better provider for you.

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Top Auto Insurance Companies

It’s always smart to compare quotes from multiple providers to be sure you’re choosing the company with the best rates for car insurance. Nationwide and Geico are strong options, but you should also consider getting auto insurance quotes from USAA and Progressive.

USAA: Best For Military Members

Our research found that USAA car insurance is the best choice for military members, veterans, and their immediate family members. If you qualify, you can customize your car insurance policy to have standard coverage and add-ons like roadside assistance and accident forgiveness.

USAA offers competitive discounts, like up to 20 percent off if you park your car on a military base and safe driving savings through the SafePilot® app. Learn more about the provider in our complete USAA auto insurance review.

Progressive: Best For High-Risk Drivers

After doing our homework, we think Progressive is the best provider for high-risk drivers, like drivers in their 20s and those with a DUI on record. Progressive customers can get standard coverage plus rental car reimbursement, custom parts and equipment value, rideshare insurance, and more.

Some perks to being a Progressive customer include access to great technology like the Snapshot® program. The app monitors safe driving habits to see if you qualify for discounts and never works against you to raise car insurance rates. Read more about coverage in our full Progressive auto insurance review.

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

  • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
  • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
  • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
  • Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.