Nationwide vs. USAA: Which offers the cheapest auto insurance rates?

Nationwide vs. USAA: Which one is the cheapest?

USAA state minimum coverage costs an average of $335 annually, while Nationwide costs $532.

For full coverage with 100/300/100 in liability and $500 deductibles for comprehensive and collision, USAA costs an average of $1,381 annually. Nationwide is more expensive, with an average cost of $1,548.

It's always smart to compare quotes because prices and required coverage can change depending on your state and individual situation.

Company	Average annual rate for full coverage	Average annual rate for state minimum coverage	Average annual premium for liability-only (50/100/50) car insurance
Nationwide	$1,548	$532	$651
USAA	$1,381	$335	$435

Nationwide vs. USAA: Rates by age group

For teens – one of the most expensive age groups to insure – USAA has the cheapest rates, coming in at $4,385 per year. Nationwide costs an average of $5,285 for a teen driver.

Age is a major factor in calculating insurance rates. Companies look at speeding and accident trends as well as distracted driving statistics. Teen drivers are one of the riskiest – and therefore most expensive – age groups to insure. Rates drop as you get older.

For example, adults pay an average of $1,406 at USAA, while at Nationwide the average rate for an adult is $1,533.

Age group	Nationwide	USAA
Teens	$5,285	$4,385
Young adults	$2,556	$2,159
Adults	$1,533	$1,406
Seniors	$1,456	$1,400

Nationwide vs. USAA: Rates for high-risk drivers

USAA offers the lowest rates for high-risk drivers. A high-risk driver has multiple speeding tickets, accidents, or a serious offense like a DUI, making affordable car insurance harder to get.

For drivers with a DUI, USAA offers more affordable rates, averaging $2,786.

Check the table below to compare Nationwide and USAA rates.

Type of violation	Nationwide	USAA
1 At-fault property damage accident over $2K	$2,537	$2,075
1 At-fault property damage accident under $2K	$2,481	$2,066
At-fault bodily injury accident	$2,673	$2,133
Careless driving	$2,203	$1,834
DUI	$3,627	$2,786
Reckless driving	$3,221	$2,100
Speeding	$2,347	$1,680

Nationwide vs. USAA: Rates in your state

Insurance rates are different in every state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where Nationwide and USAA offer the lowest rates. Don't forget to compare quotes from different companies, since your price also depends on your location, driving history and personal details.

State	USAA	Nationwide
Alabama	$1,458	$1,345
Alaska	$1,166	N/A
Arizona	$1,581	$1,726
Arkansas	$1,090	$1,503
California	$1,827	$2,799
Colorado	$1,559	N/A
Connecticut	$606	$1,766
Delaware	$1,463	$1,498
Florida	N/A	$2,150
Georgia	$1,562	N/A
Hawaii	$1,067	N/A
Idaho	$742	$1,505
Illinois	$1,745	N/A
Indiana	$783	$1,309
Iowa	$1,165	N/A
Kansas	$1,151	$1,316
Kentucky	$1,820	N/A
Louisiana	$1,973	N/A
Maine	$827	N/A
Maryland	$1,043	$1,363
Massachusetts	$1,442	N/A
Michigan	$1,514	N/A
Minnesota	$1,382	$1,363
Mississippi	$1,320	$1,331
Missouri	$1,086	$1,361
Montana	$919	$1,394
Nebraska	$1,328	$1,216
Nevada	$1,672	N/A
New Hampshire	$852	$1,145
New Mexico	$1,054	$1,806
New York	$1,557	N/A
North Carolina	N/A	$1,513
North Dakota	$826	$1,152
Ohio	$994	N/A
Oklahoma	$1,447	N/A
Oregon	$1,277	$1,411
Pennsylvania	$1,806	$1,196
Rhode Island	$1,147	$1,911
South Carolina	$1,451	N/A
South Dakota	$1,780	$1,526
Tennessee	$1,194	$1,632
Texas	$1,812	$1,502
Utah	$1,237	$1,135
Vermont	$803	$935
Virginia	$1,192	N/A
Washington	$853	$1,658
Washington, D.C.	$1,230	$2,558
West Virginia	$1,189	$1,215
Wisconsin	$984	$1,287
Wyoming	$1,230	N/A

Nationwide vs. USAA: Which offers better discounts?

Discounts are a big draw for customers and can offer significant savings on your annual premiums. Below are some of the discounts Nationwide and USAA offer to their customers.

Discounts	Nationwide	USAA
Payment type	9%	N/A
Marital status	7%	9%
Telematics	8%	N/A
Days advanced purchase	7%	5%
Multi policy	7%	4%
Homeowner	5%	N/A
Loyalty	4%	5%
Lower annual mileage	12%	5%
Paperless/electornic documents	4%	N/A
Electronic funds transfer	3%	3%
Anti-theft device	1%	3%
Safety devices	3%	1%
Air bags	2%	0%

Always be sure to ask about available discounts when you're shopping around for insurance to see what you may qualify for.

Nationwide vs. USAA: The bottom line

Both Nationwide and USAA are good insurance companies, but if cheaper rates are your top priority, USAA might be the best option for you. Still, it's a good idea to look at more than just price and compare quotes from different companies to find the best car insurance for your needs.

Methodology

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on: