Compare auto insurance rates
Enter your zip code to shop for the best rates in your area:

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 12 best car insurance providers. In the end, though, you only need one to insure you and your vehicle.

When you’re ready to start comparing car insurance quotes in your area, call our team at (844) 246-8209 or follow the link below.

Why You Can Trust Motor1 At Motor1, we are dedicated to supplying car owners with the well-researched, fact-checked information they need to make sound decisions about auto insurance. Our team analyzes provider offerings and customer insights so you can feel empowered to make the best choice.
Reviews Analyzed Motor1
4,330 Reviews Analyzed
Companies Reviewed Motor1
43 Companies Reviewed
Customers Surveyed Motor1
8,500 Customers Surveyed

Nationwide And 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
SuperlativeBest for SeniorsBest Overall
Availability47 states50 states
Coverage4.34.3
Cost4.34.7
Customer Service4.34.5
AM Best Financial Strength RatingA+A++
J.D. Power Claims Satisfaction876/1,000881/1,000
Mobile App Google Play Rating4.24.7

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 And Discounts

In our research, we discovered that Geico car insurance is generally more affordable than Nationwide. 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’s SmartRide® Vs Geico’s 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

SmartRideDriveEasy
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 2020 Auto Insurance Study 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
California786828
Central798845
Florida-823
Mid-Atlantic823835
New England-841
New York-827
North Central831837
Northwest-821
Southeast831843
Southwest-829
Texas-832

Geico won in every region in the U.S. for overall customer satisfaction, which is an important consideration when trying to choose between 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

Our Take: Nationwide Vs Geico

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.

Use the tool below or call (844) 246-8209 to start comparing car insurance quotes.

Compare auto insurance rates
Enter your zip code to shop for the best rates in your area:

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

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.

To collect and compare quotes from providers available in your state, call (844) 246-8209 or use the tool below:

Compare auto insurance rates
Enter your zip code to shop for the best rates in your area:

Methodology

In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.