Benji Carr

Former Licensed Insurance Agent

Benjamin Carr was a licensed insurance agent in Georgia and has experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. Benji is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

Former Licensed Insurance Agent

Laura Berry

Former Insurance Agent

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Former Insurance Agent

UPDATED: Nov 27, 2023

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To Sum It Up

  • Geico has lower rates than Nationwide for younger customers
  • Nationwide has lower rates than Geico for older customers
  • Geico has been rated better than Nationwide by A.M. Best
  • Geico offers more discounts than Nationwide

Geico and Nationwide offer affordable auto insurance for military veterans. While Geico has lower rates for young drivers and more discount opportunities, Nationwide rates are lower for older drivers.

Comparing Geico vs. Nationwide auto insurance will help you find the right company.

Before starting this Geico vs. Nationwide comparison, enter your ZIP code to find the best auto insurance quotes in your area.

Geico vs. Nationwide: What are their annual rates?

Comparing affordable Geico vs. Nationwide auto insurance rates will allow you to determine the most cost-effective choice. The following chart shows the average annual Nationwide and Geico auto insurance quotes based on age.

Allstate vs. Nationwide Average Monthly Rates by Age
Age GroupAllstate Average Monthly RatesNaitonwide Average Mothly Rates
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As you can see, younger drivers can obtain a lower Geico quote, but older drivers are likely to receive a lower Nationwide quote. Additionally, rates decrease as drivers age.

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Geico vs. Nationwide: What coverages are available?

Geico and Nationwide offer a variety of coverages to protect drivers. Combining these coverages allows customers looking to buy Geico vs. Nationwide auto insurance to build a plan unique to their needs.

Coverages offered by Geico and Nationwide include:

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

In addition to these basic coverages, Nationwide offers GAP insurance to customers.

Geico vs. Nationwide: What discounts are available?

Comparing Geico vs. Nationwide auto insurance company discounts will help you determine which company offers the best discount car insurance.

Discounts offered by Geico and Nationwide include:

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

Geico also offers several deals that Nationwide lacks. These discounts include:

  • Multiple vehicles
  • Anti-lock brakes
  • Airbags
  • Driver training
  • New vehicle
  • Military

As you can see, Geico provides more savings opportunities than Nationwide, including a discount for being in the military.

Geico vs. Nationwide: What are their financial ratings?

Credit rating agencies review and grade insurance companies based on financial strength. These ratings determine the likelihood that the company will provide a payout when you file Nationwide or Geico claims.

Geico has been rated an A++ by A.M. Best, an Aa1 by Moody’s, and an A+ by S&P. These are among the top ratings in the industry.

Nationwide Insurance has been rated an A+ by A.M. Best and S&P and an A1 by Moody’s. While not rated as highly as Geico, customers should not be concerned about receiving a payout from Nationwide.

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Geico vs. Nationwide: Do they have any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) list complaints on their websites. Both organizations have received complaints about Geico and Nationwide.

At the time of this comparison, the BBB has received 2,785 complaints about Geico over the past three years. The company also has a complaint index rating of 1.70 from the NAIC, indicating more complaints than the average competitor of a similar size.

The BBB has received 213 complaints about Nationwide car insurance over the past three years. According to the NAIC, Nationwide has a complaint index ratio of 1.48, showing that the company has also received more complaints than the average similarly-sized company.

Geico vs. Nationwide: Do they offer roadside assistance?

Customers can receive Geico or Nationwide roadside assistance as an add-on to an existing policy. Those that secure this service can receive support with the following:

  • Towing
  • Battery service
  • Locksmith
  • Gas delivery

Geico customers can purchase roadside assistance for $14 per year. To request service, call the Geico customer number at (800) 433-7411.

Nationwide offers two levels of roadside assistance. The primary difference is that the basic plan provides towing up to 15 miles and the premium plan provides towing up to 100 miles. You can request service by calling (800) 421-3535.

When looking at Geico vs. Nationwide auto insurance quotes, remember that adding roadside assistance will increase your rates.

Geico vs. Nationwide: Do they have mobile apps?

Geico and Nationwide have mobile apps that customers can access on any mobile device.

Entering your Nationwide or Geico login information will allow you to access digital ID cards, view policy information, make payments, and request roadside assistance.

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

Every auto insurance company has positive and negative aspects to consider. Comparing Geico vs. Nationwide’s pros and cons will help you decide which company is right for you.

Geico has lower rates for young drivers than most competitors. The claims process is relatively easy but can be time-consuming.

Nationwide has higher rates for younger drivers but lower rates for older drivers. Also, the lack of discount opportunities decreases the value of a Nationwide auto insurance policy when compared with Geico.

Streamlining Experience With Geico vs. Nationwide Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Both Geico and Nationwide offer convenient options for filing insurance claims. They have user-friendly mobile apps and online platforms that allow policyholders to file claims with ease. Customers can choose to file claims through these digital channels or opt for traditional methods like phone calls.

Average Claim Processing Time

The average claim processing time for both Geico and Nationwide may vary depending on the nature and complexity of the claim. However, both companies strive to expedite the claims process and provide timely resolutions to their customers. It’s advisable to check with the respective company for specific information on claim processing times.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on claim resolutions and payouts can provide valuable insights into the quality of service provided by insurance companies. While Geico and Nationwide have their strengths, it’s essential to research and read customer reviews to gauge their track record in handling claims fairly and efficiently. Hearing from other policyholders can help potential customers make informed decisions.

Unleashing Innovation With Geico vs. Nationwide Digital and Technological Features

Mobile App Features and Functionality

Both Geico and Nationwide offer mobile apps that come with various features and functionalities to enhance the customer experience. These apps typically allow users to access digital ID cards, view policy information, make payments, and even file claims. Users can benefit from the convenience of managing their insurance needs on-the-go through these mobile apps.

Online Account Management Capabilities

In addition to mobile apps, Geico and Nationwide provide online account management capabilities through their websites. Policyholders can log in to their accounts, review policy details, make changes, and perform various other tasks without the need to visit a physical office. This online accessibility streamlines the insurance management process.

Digital Tools and Resources

Both companies offer a range of digital tools and resources to assist their customers. These may include online calculators, educational resources, and informative articles to help policyholders make informed decisions about their insurance coverage. Geico and Nationwide aim to provide their customers with the information they need to understand their policies and make the best choices for their needs.

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Geico vs. Nationwide: The Bottom Line

The decision between Geico and Nationwide primarily comes down to age, lifestyle, and coverage choices.

While Geico offers lower rates for younger drivers, its discounts allow older drivers to decrease rates. Comparing Geico vs. Nationwide auto insurance will help you determine the right choice for your needs.

Now that you’ve compared Geico vs. Nationwide, enter your ZIP code to discover the top auto insurance rates in your area.