GEICO vs Nationwide
Side-by-side car insurance comparison based on rates across all available locations
GEICO
4.3Avg Monthly
$101/mo
Best Rate
$60/mo
Best For
Online savings
Top Discount
Good driver 22%
Founded
1936 · Chevy Chase, Maryland
Available In
50 locations
VS
Lower Avg Rate
Nationwide
4.3Avg Monthly
$98/mo
Best Rate
$84/mo
Best For
Full coverage
Top Discount
SmartRide 40%
Founded
1926 · Columbus, Ohio
Available In
5 locations
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Rate Comparison by State
GEICO cheaper: 5Nationwide cheaper: 0
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Pros & Cons
GEICO
Pros
- ✓Consistently among the lowest rates nationally
- ✓Award-winning mobile app and 24/7 online service
- ✓Wide range of discounts (good driver, military, multi-policy)
- ✓Strong financial stability — A++ AM Best rating
Cons
- ✗No local agent network — online and phone only
- ✗Gap and rideshare coverage not available in all states
Nationwide
Pros
- ✓SmartRide telematics can save up to 40% for safe drivers
- ✓Strong life insurance and financial services arm
- ✓Pet insurance available through Nationwide
- ✓Good multi-policy discount when bundling products
Cons
- ✗Not available in all 50 states for all products
- ✗Average rates are not always the most competitive
Which Should You Choose?
GEICO is the cheaper option in 5 of 5 states where both insurers operate, saving an average of $18/month. Nationwide is cheaper in 0 states.
GEICO is generally best for online savings, while Nationwide stands out for full coverage. The right choice depends on your priorities — lowest price, best service, or specific discounts.
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GEICO vs Nationwide — FAQs
Is GEICO cheaper than Nationwide?
GEICO is cheaper in 5 of 5 states where both operate. However, rates vary by location, so Nationwide may be cheaper in your area. Always compare quotes for your specific state and circumstances.
Which has better ratings — GEICO or Nationwide?
GEICO has an average rating of 4.3/5, while Nationwide averages 4.3/5 across all states. Both are well-established insurers with strong financial stability.
What discounts does GEICO offer vs Nationwide?
GEICO's top discount is "Good driver 22%", while Nationwide offers "SmartRide 40%". Both insurers offer multi-policy, good driver, and other standard discounts — check each insurer's site for the full list.
Can I switch from GEICO to Nationwide?
Yes. You can switch car insurance at any time, though it's usually best to switch at renewal to avoid cancellation fees. Get quotes from both GEICO and Nationwide to compare rates for your specific situation.
Which is better for my state?
It depends on where you live. Use the rate comparison table above to see which insurer is cheaper in your state. Factors like your driving record, age, and vehicle also affect your personal quote.