Nationwide vs. USAA: Pro & Cons (2021)
Today we're going to be comparing Nationwide vs. USAA to help you narrow down your options for insurers. In terms of rates, USAA offers more competitive pricing than comparably sized insurers but is only available to those affiliated with the military. In terms of discounts, both insurers offer a wide array of them, but Nationwide seems to offer more. Both companies are highly rated by A.M. Best and the Better Business Bureau.
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Written by
Rachel Bodine
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Reviewed by
Leslie Kasperowicz
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UPDATED: Mar 11, 2022
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- USAA offers the most competitive rates of all the big insurers
- USAA only offers auto insurance only to active, inactive, and retired military members and their immediate family members
- Both Nationwide Insurance and USAA offer a wide array of discounts
- Nationwide and USAA both have good ratings from A.M. Best and the Better Business Bureau
If you’re here with us today you are most likely looking for your next, or perhaps first, auto insurer. To assist in simplifying this process we’re going to compare two companies: Nationwide vs. USAA.
How do you get auto insurance quotes? You can reach out to each company individually to learn about services like Nationwide pet insurance or Nationwide retirement, or you can use a quote tool to find all the auto insurance rates near you.
Before learning more about Nationwide vs. USAA, type your ZIP code into our free and helpful tool above to find affordable auto insurance quotes in your area.
Table of Contents
How do Nationwide vs. USAA rates compare?
The best place to start when comparing various insurers with the hopes of understanding auto insurance is to compare rates. The following table will compare not just Nationwide and USAA rates, but the rates for all of the biggest insurers in the U.S.A.
| Company | Average Annual Auto Insurance Rates |
|---|---|
| Allstate | $4,533 |
| American Family | $3,699 |
| Farmers | $3,910 |
| GEICO | $3,074 |
| Liberty Mutual | $5,296 |
| Nationwide | $3,187 |
| Progressive | $3,935 |
| State Farm | $2,731 |
| Travelers | $3,729 |
| USAA | $2,489 |
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As you can see, USAA doesn’t just offer cheaper rates than Nationwide, it’s cheaper than all of the big insurers. Nationwide insurance will generally cost more than USAA insurance. Let’s now move on to what discounts these companies offer.
What discounts are available with Nationwide vs. USAA?
Now that we’ve seen that USAA offers more competitive pricing, let’s take a look at discounts offered by both of these companies and comparably sized companies.
| Companies | Emergency Deployment | Federal Employee | Forward Collision Warning | Membership/Group | Military | Military Garaging | Occupation | Recent Retirees |
|---|---|---|---|---|---|---|---|---|
| 21st Century | ||||||||
| AAA | x | |||||||
| Allstate | x | x | ||||||
| American Family | ||||||||
| Ameriprise | x | |||||||
| Amica | x | |||||||
| Country Financial | x | x | ||||||
| Esurance | x | x | x | |||||
| Farmers | x | x | x | |||||
| GEICO | x | x | x | x | x | |||
| Liberty Mutual | x | x | x | x | x | x | ||
| MetLife | x | x | x | x | x | |||
| Nationwide | x | x | x | |||||
| Progressive | x | |||||||
| Safe Auto | x | |||||||
| Safeco | x | x | x | |||||
| State Farm | x | |||||||
| The General | x | |||||||
| The Hanover | x | x | ||||||
| The Hartford | x | x | x | x | ||||
| Travelers | x | x | ||||||
| USAA | x | x | ||||||
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As you can see, there are eight total discounts listed. Of these eight, Nationwide offers three. There is one for those who have a forward-collision warning in their vehicle, a membership discount, and a discount for being in certain occupations.
With that being said, these aren’t the only discounts offered by Nationwide, or USAA, for that matter.
Speaking of which, USAA offers only two of the shown discounts. One is for active military members and the other is if that individual has military garaging for their vehicle. In short, Nationwide wins in terms of discounts.
What’s great is a lot of auto insurance discounts are as simple as typing in your Nationwide or USAA login. Let’s now move on to see how these two companies are rated by organizations such as A.M. Best and the Better Business Bureau.
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Nationwide vs. USAA Ratings
When you are comparing insurers, analyze the scores they received from A.M. Best and the Better Business Bureau. This can give you an idea of their financial stability and ability to cover your claims.
A.M. Best gave Nationwide a rating of A+. However, A.M. Best gave USAA a slightly better rating of A++.
The Better Business Bureau gave Nationwide a rating of A+. How did USAA do with the BBB? Whereas A.M. Best gave them a better rating, the BBB gave them a slightly lower rating than Nationwide with a rating of A-.
Now that you know more about Nationwide vs. USAA, you are ready to buy auto insurance. Type your ZIP code into our free and helpful tool below to find reasonable auto insurance quotes in your area.