Nationwide vs. USAA Auto Insurance (2021)

When comparing Nationwide vs. USAA auto insurance, you’ll find that USAA has lower rates and more discount opportunities. Nationwide has fewer complaints than USAA and the companies are rated the same by A.M. Best. While Nationwide auto insurance is available for everyone, USAA is only available for military personnel and their families. Comparing Nationwide vs. USAA will help you find the best auto insurance.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 26, 2021

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Things to Remember

  • USAA has lower rates than Nationwide
  • USAA has more discount opportunities than Nationwide
  • Nationwide has fewer complaints than USAA

Nationwide and USAA offer cheap auto insurance to customers. USAA has lower rates and more discounts than Nationwide but is only available for military personnel and their families. Comparing Nationwide vs. USAA will allow you to determine the best choice for your needs.

Before starting this Nationwide vs. USAA comparison, enter your ZIP code to find free auto insurance quotes in your area.

Nationwide vs. USAA: What are their annual rates?

Comparing affordable Nationwide vs. USAA auto insurance rates will help you find the most cost-effective option. The following chart shows the annual auto insurance rates for Nationwide and USAA based on age.

Nationwide vs. USAA: Average Annual Rates by Age
AgeNationwide Average Annual RatesUSAA Average Annual Rates
20$1,582$1,261
30$1,582$963
40$1,151$957
50$1,114$889
60$1,028$845
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As you can see, USAA has lower rates than Nationwide, and rates decrease as drivers age. To learn more about these companies, check out our Nationwide auto insurance review and USAA auto insurance review.

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Nationwide vs. USAA: What coverages are available?

Nationwide and USAA quote car insurance based on the coverages chosen. Both companies offer various auto insurance coverages to customers. These policies are sold individually but can be combined to create your ideal auto insurance package.

The basic auto insurance coverages offered by Nationwide and USAA include:

  • Bodily injury liability
  • Property damage liability
  • Collision
  • Comprehensive
  • Medical payments
  • Personal injury protection
  • Uninsured/underinsured motorist

In addition to these policies, Nationwide offers GAP coverage and accident forgiveness. USAA windshield repair is available through Safelite and is included with comprehensive coverage.

Nationwide vs. USAA: What discounts are available?

Comparing Nationwide vs. USAA auto insurance company discounts will help you determine how much you can save. Nationwide and USAA offer multiple car insurance discounts that can lower your monthly rates.

Discounts offered by Nationwide auto insurance include:

  • Multiple policies
  • Anti-theft
  • Good driver
  • Good student

Discounts offered by USAA include:

  • Multi-car
  • Home and car
  • Car and life
  • Anti-lock brakes
  • Anti-theft
  • Good driver
  • Good student
  • Military

USAA offers more discounts than Nationwide, including a discount for military personnel. However, Nationwide provides a discount for bundling other policies, such as homeowners and life insurance, with automotive coverage.

Nationwide vs. USAA: What are their financial ratings?

Credit rating agencies review and rate auto insurance companies based on financial strength. These financial ratings determine the likelihood that the company will provide a payout when you file a claim. The most trusted rating agencies have reviewed Nationwide and USAA.

Nationwide and USAA have been rated an A+ by A.M. Best and S&P, and an A1 by Moody’s. These ratings are excellent and indicate that the companies will provide a payout when you file a claim.

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Nationwide vs. USAA: Do they have any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) allow insurance customers to list complaints on their websites. Reviewing these complaints will help you determine the quality of service you can expect.

At the time of this comparison, the BBB has received 210 complaints about Nationwide over the past three years. The company’s NAIC complaint index ratio is 1.48, indicating more complaints than the average company of a similar size.

The BBB has received 1,485 complaints about USAA over the past three years. According to the NAIC, USAA’s complaint index ratio is 2.36, indicating that the company has more than double the complaints as the average similarly-sized competitor.

As you can see, USAA has more complaints and a higher complaint index ratio, indicating you will probably receive better customer service with Nationwide.

Nationwide vs. USAA: Do they offer roadside assistance?

Nationwide and USAA offer roadside assistance to customers. Both companies offer this coverage as an add-on for an additional fee.

Nationwide offers two levels of roadside assistance. The basic level includes:

  • Towing up to 15 miles
  • Winching
  • Gas delivery
  • Battery service
  • Locksmith
  • Tire replacement

The premium plan features everything in the basic plan, plus towing up to 100 miles and trip interruption coverage.

USAA has one roadside assistance option, which is available as a separate policy. Also, the coverage is only available for those with current USAA auto insurance coverage. USAA roadside assistance includes:

  • Towing
  • Tire replacement
  • Gas delivery

It’s best to decide whether to add roadside assistance before looking for Nationwide or USAA auto insurance quotes, as this coverage will increase your rates.

Nationwide vs. USAA: Do they have mobile apps?

Nationwide and USAA have mobile apps that are accessible on any mobile device. You can use your USAA or Nationwide Insurance login to access digital ID cards, manage policies, request roadside assistance, and make payments.

If you would rather speak with a representative than use the app, you can contact Nationwide customer service at (877) 669-6877. The number for USAA customer service is (800) 531-8722.

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Nationwide vs. USAA: What are their pros and cons?

Every auto insurance company has pros and cons. Examining the benefits and drawbacks will help you determine which company is right for you.

Nationwide offers various coverages and other types of insurance. Bundling these different types of insurance provides convenience and can save you money. The company also has lower rates than many competitors but has limited discount opportunities.

USAA has competitive rates and several discount opportunities. However, coverage is only available for current and former military personnel and their families, limiting accessibility.

Nationwide vs. USAA: Which company is best?

Once you’ve compared Nationwide and USAA, you might be wondering which one is best. Of course, the answer depends on your personal preference and your lifestyle.

Nationwide is available to all customers and offers various types of insurance, including homeowners and life insurance. Nationwide is the best option if you want to bundle multiple coverages to create lower monthly rates.

USAA eligibility is more limited than most competitors. So who is USAA insurance? USAA only offers insurance to military personnel and their families. The company has lower rates than most competitors, often making it the best choice for military and veterans.

Nationwide vs. USAA: The Bottom Line

Those looking to buy Nationwide or USAA auto insurance will find that USAA has lower rates and more discount opportunities.

However, Nationwide has better customer service and USAA is only available for military personnel. Comparing Nationwide vs. USAA will help you find the right choice to fit your needs.

Now that you’ve compared Nationwide vs. USAA, enter your ZIP code to get free auto insurance rates in your area.

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