Find out which is the better option for you.

 
 

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.

 
 

In this article:

 


 

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.

 

Nationwide

Geico

Overall Rating

4.0

4.5

Superlative

Best for Seniors

Best Overall

Availability

47 states

50 states

Coverage

4.5

4.0

Cost

3.5

4.0

Customer Service

3.5

4.0

AM Best Financial Strength Rating

A+

A++

J.D. Power Claims Satisfaction

876/1,000

871/1,000

Mobile App Google Play Rating

4.3

4.8

 

 


 

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.

 

Nationwide

Geico

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.

 

Nationwide

Geico

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.

SmartRide 

DriveEasy

Through the Nationwide mobile app or plug-in device

Through the Geico mobile app or plug-in device

10 percent discount for signing up

Up to 20 percent off for signing up

Up to 40 percent off over time for safe driving

2.4 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.

 

Nationwide

Geico

Better Business Bureau (BBB) Rating

A+

A+

AM Best Financial Strength Rating

A+

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.

Region

Nationwide

Geico

California

797

828

Central

815

855

Florida

846

Mid-Atlantic

835

841

New England

-

841

New York

825

837

North Central

828

851

Northwest

-

834

Southeast

825

857

Southwest

786

834

Texas

820

846

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.

Coverage

Nationwide

Cost And Discounts

Geico

Quotes And Claims Processes

Geico

Ratings And Customer Reviews

Geico

Overall 

Geico

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.

 

 


 

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 Insurance logo

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 Insurance logo

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:

 

 


 

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.

 

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