Nationwide vs USAA

Side-by-side car insurance comparison based on rates across all available locations

Nationwide

4.3

Avg Monthly

$98/mo

Best Rate

$84/mo

Best For

Full coverage

Top Discount

SmartRide 40%

Founded

1926 · Columbus, Ohio

Available In

5 locations

Lower Avg Rate

USAA

4.9

Avg Monthly

$94/mo

Best Rate

$50/mo

Best For

Military families

Top Discount

Loyalty 10%

Available In

11 locations

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Rate Comparison by State

Nationwide cheaper: 0USAA cheaper: 0

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Pros & Cons

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

USAA

Detailed profile not yet available for USAA.

Which Should You Choose?

Nationwide and USAA are evenly matched — each is cheaper in 0 of 0 states where both operate.

USAA has a higher average customer rating (4.9/5) compared to Nationwide (4.3/5). However, ratings can vary by state and coverage type.

Nationwide is generally best for full coverage, while USAA stands out for military families. The right choice depends on your priorities — lowest price, best service, or specific discounts.

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Nationwide vs USAA — FAQs

Is Nationwide cheaper than USAA?

Nationwide is cheaper in 0 of 0 states where both operate. However, rates vary by location, so USAA may be cheaper in your area. Always compare quotes for your specific state and circumstances.

Which has better ratings — Nationwide or USAA?

Nationwide has an average rating of 4.3/5, while USAA averages 4.9/5 across all states. Both are well-established insurers with strong financial stability.

What discounts does Nationwide offer vs USAA?

Nationwide's top discount is "SmartRide 40%", while USAA offers "Loyalty 10%". Both insurers offer multi-policy, good driver, and other standard discounts — check each insurer's site for the full list.

Can I switch from Nationwide to USAA?

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 Nationwide and USAA 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.

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