Nationwide and USAA are two of the popular insurance companies in the U.S. Both the insurers have a lot to offer, making it difficult for you to choose between them. However, Nationwide offers the lowest insurance rates compared to USAA for full coverage.
To make insurance shopping easy for you we have gathered quotes from both the insurance companies as well as analyzed the carriers based on several rating factors. Find the right insurance policy for you today.
Key takeaways
- The state minimum coverage for USAA is $312 per year, and Nationwide offers state minimum coverage for $535 annually.
- For customer service, Nationwide earned 3.5 out of 5 stars, whereas USAA earned 4 out of 5 stars.
- Nationwide offer coverage options such as - mobile app, usage-based telematics, new car replacement, and accident forgiveness. On the other hand, USAA offers a variety of coverage options, including - a no-drop promise, mobile app, accident forgiveness, 12-month policy, and waiver of deductible for a not-at-fault accident.
- Multi-vehicle, multi-policy, and safe driver are a few discounts offered by Nationwide and USAA.
Nationwide vs USAA: Which one is the cheapest?
If price is what’s most important, Nationwide is likely going to be the better choice. Nationwide usually offers lower rates than USAA. Nationwide offers full coverage insurance for an average of $1,252 per year and USAA provides full coverage for $1,280 annually.
The cost of state minimum coverage from Nationwide is $535 per year and USAA offers state minimum coverage for $312 annually. However, it’s still a good idea to get quotes from both companies though to see what’s better for your specific situation.
| Company | Average annual rate for full coverage | Average annual rate for state minimum coverage |
|---|---|---|
| Nationwide | $1,252 | $535 |
| USAA | $1,280 | $312 |
Nationwide vs USAA: Rates by age group
USAA has the cheapest insurance rates for most age groups. Insurance companies have different rates depending on your age. They use it as an indicator to determine how much risk a drive poses and then price policies accordingly.
Car insurance rates are higher for teenagers as they are considered high risk by insurers. Teens should consider buying insurance from USAA, as its rates are lower than Nationwide. USAA offers insurance for teenagers at an average of $3,462 per year, whereas Nationwide provides insurance to teen drivers for $3,911 annually.
| Age (group) | Nationwide | USAA |
|---|---|---|
| Adults | $1,165 | $1,171 |
| Seniors | $1,125 | $1,169 |
| Teens | $3,911 | $3,462 |
| Young adults | $1,720 | $1,662 |
Nationwide vs USAA: Rates for high-risk drivers
In our study we found that USAA is an affordable insurer for most drivers than Nationwide. USAA is the cheapest for drivers with a DUI/DWI first offense. Its average annual rate is $2,264 and Nationwide's rates after a DUI/DWI offense is $2,609 per year.
When it comes to finding affordable rates for high-risk drivers, Nationwide and USAA are two of the best options out there. Although both companies are viable options for high-risk drivers, one may be a better fit for your specific needs. By examining the rates mentioned in the table below, you can make an informed decision about which insurer offers the best rates for your specific situation.
| Profile Value (group) | Nationwide | USAA |
|---|---|---|
| 1 At-fault property damage accident over $2K | $1,931 | $1,634 |
| 1 At-fault property damage accident under $2K | $1,823 | $1,614 |
| At-fault bodily injury accident | $1,979 | $1,645 |
| Careless driving | $1,738 | $1,572 |
| DUI/DWI first offense | $2,609 | $2,264 |
| Reckless driving | $2,524 | $1,701 |
| Speeding | $2,250 | $1,425 |
Nationwide vs USAA: Customer service and tech friendly
For customer service, Nationwide earned 3.5 stars out of 5, while USAA earned 4.0 stars.
Which insurance company provides a better online experience? Both Nationwide and USAA offer online quotes comparison. Apart from that, they have easy to use mobile apps that allow you to pay bills, view your profile and file insurance claims.
Nationwide vs USAA: Which has better coverage options?
Every state has different requirements for car insurance, this is because the laws surrounding driving vary from place to place. However, each insurer offers standard coverage such as liability, comprehensive and collision coverage to make sure you're protected if anything goes wrong.
Both Nationwide and USAA have a wide range of coverage options. Below table shows the different coverages offered by Nationwide and USAA:
Nationwide vs USAA: Which offers better discounts?
Insurance companies offer a variety of discounts to help you save money on your car insurance. While they may not seem like much, these dollar amounts add up to trim your insurance costs. Check out what discount options Nationwide and USAA offer to policyholders, and which carrier fits your needs.
