Nationwide vs. USAA: Best Auto Insurance for Military and Veterans 
We make comparing Nationwide vs. USAA for military and veterans easy. USAA has the lower rates. Nationwide offers 35 discounts whereas USAA offers 27. USAA has a better A.M. Best rating. However, always compare auto insurance quotes before choosing an auto insurance company for you. Our FREE quote tool below will give you the opportunity to compare rates before making a decision.
Free Auto Insurance Comparison
Secured with SHA-256 Encryption
UPDATED: Jun 8, 2021
It’s all about veterans. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help veterans make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with one auto insurance company and cannot guarantee quotes from any single company. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for veterans interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance-related. We update our site regularly, and all content is reviewed by auto insurance experts.
- USAA offers auto insurance policies exclusively to veterans.
- USAA and Nationwide offer similar rates by state with USAA’s usually lower.
- Both companies offer many discounts.
When looking through veteran auto insurance policies, you may have found yourself comparing Nationwide vs. USAA for military and veterans, then it’s important to be informed of the rates and discounts offered by each company.
While USAA is the preferred company among many military members, Nationwide offers comparable rates and customer reviews.
Read our piece on Nationwide vs. USAA for Military and Veterans for information on affordable car insurance rates. Easily compare rates by using our comparison tool.
Nationwide vs. USAA: How do their auto insurance rates compare?
Both Nationwide and USAA offer rates on the lower end of top companies. See how each company change based on different factors in the sections below. By reading these sections, you will be prepared to find affordable Nationwide vs. USAA for military and veterans car insurance rates.
Which is cheapest by state?
Nationwide vs. USAA for military and veterans car insurance rates can change greatly depending on where you live as you can see in the chart below.
|State||Nationwide Average Annual Rates||USAA Average Annual Rates|
|Alaska||Data Not Available||$2,454.21|
|District of Columbia||$4,848.98||$2,580.44|
|Indiana||Data Not Available||$1,630.86|
|Louisiana||Data Not Available||$4,353.12|
|Maine||Data Not Available||$1,930.79|
|Massachusetts||Data Not Available||$1,458.99|
|North Carolina||$2,848.03||Data Not Available|
|New Jersey||Data Not Available||Data Not Available|
|Oklahoma||Data Not Available||$3,174.15|
|South Dakota||$2,737.66||Data Not Available|
|West Virginia||Data Not Available||$1,984.62|
As you can see, Nationwide and USAA offer similar rates in most states with New York and Michigan having among the most expensive. More information on the insurance laws in your state can be found on the NAIC website.
Which is cheapest by driving record?
Your driving record is a big factor in determining Nationwide vs. USAA for military and veterans car insurance quotes. Even one speeding violation can increase rates.
|Driving Record||Nationwide Average Annual Rates||USAA Average Annual Rates|
|With 1 accident||$3,396.95||$2,516.24|
|With 1 DUI||$4,543.20||$3,506.03|
|With 1 speeding violation||$3,113.68||$2,193.25|
Both Nationwide and USAA increase their rates by hundreds of dollars based on certain driving violations.
Which is cheapest by age and gender?
While basing insurance rates on gender is illegal in some states, many insurance companies will still take your age into account. See how Nationwide vs. USAA for military and veterans car insurance rates change based on age and gender in the chart below.
|Demographic Group||Nationwide Average Annual Rates||USAA Average Annual Rates|
|Married 35-year old female||$2,360.49||$1,551.43|
|Married 35-year old male||$2,387.43||$1,540.32|
|Married 60-year old female||$2,130.26||$1,449.85|
|Married 60-year old male||$2,214.62||$1,448.98|
|Single 17-year old female||$5,756.37||$4,807.54|
|Single 17-year old male||$7,175.31||$5,385.61|
|Single 25-year old female||$2,686.48||$1,988.52|
|Single 25-year old male||$2,889.04||$2,126.14|
California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania are the states in which it is illegal to base insurance rates on gender.
Which is cheapest by credit score?
See how a good credit score can help you save plenty of money by checking out the chart below.
|Credit Score||Nationwide Average Annual Rates||USAA Average Annual Rates|
As you can see, a good credit score can save you hundreds of dollars from both USAA and Nationwide.
Which is cheapest by annual mileage?
The less you drive, the less you will have to pay for auto insurance in some cases. See how your commute factors into rates from Nationwide and USAA in the chart below.
|Commute Distance||Nationwide Average Annual Rates||USAA Average Annual Rates|
|10 miles commute/ 6,000 annual mileage||$3,437.33||$2,482.69|
|25 miles commute/ 12,000 annual mileage||$3,462.67||$2,591.91|
While the change in rate amount is minimal, a shorter commute means lower rates from both companies.
Which is cheapest by car make and model?
Buying a safer and more reliable car usually means that you pay lower rates. See an example of this in the chart below.
|Make and Model||Nationwide Average Annual Rates||USAA Average Annual Rates|
|2015 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6||$3,571.01||$2,551.56|
|2015 Honda Civic Sedan: LX with 2.0L 4cyl and CVT||$3,547.84||$2,409.67|
|2015 Toyota RAV4: XLE||$3,517.03||$2,454.58|
|2018 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6||$3,373.64||$2,855.69|
|2018 Honda Civic Sedan: LX with 2.0L 4cyl and CVT||$3,361.93||$2,422.66|
|2018 Toyota RAV4: XLE||$3,328.57||$2,529.63|
While a new, expensive car might seem appealing, the insurance rates on some of those vehicles can be astronomical.
Which is cheapest by coverage level?
The amount of auto insurance coverage you buy can affect how much you pay from both Nationwide and USAA.
|Coverage Level||Nationwide Average Annual Rates||USAA Average Annual Rates|
As you can see, the lower the amount of coverage you purchase, the lower the rates.
Compare quotes from the top auto insurance companies and save!
Secured with SHA-256 Encryption
Ratings and Customer Satisfaction
Now that you know about the rates offered by Nationwide and USAA it’s time to compare their ratings from both financial rating sites and customers.
What are their financial ratings?
In the chart below, we’ve included both Nationwide and USAA’s ratings from top financial rating companies, including AM Best.
|Ratings Website||Nationwide Ratings||USAA Ratings|
As you can see, both companies received excellent financial ratings. That being said, USAA’s ratings were higher from every financial rating site.
How do customers rate them?
Equally as important as financial rating are the ratings of Nationwide and USAA’s current and former customers. We’ve included some of these ratings in the chart below.
|Review Website||Nationwide Ratings||USAA Ratings|
|J.D. Power||867 (About average)||900 (Among the best)|
|Better Business Bureau||1.18/5 stars||1.29/5 stars|
While both companies did great on J.D. Power, they both got bad ratings from BBB users.
Nationwide vs. USAA: Auto Insurance Coverage and Options
When trying to decide on the perfect auto insurance company, it is important that you know the types of coverage you will need. Once you’ve decided on this, you can see if Nationwide and USAA offer those options.
What are their coverage options?
Below is a chart featuring some of the coverage options offered by Nationwide and USAA.
|Types of Coverage||Nationwide||USAA|
|Bodily injury liability||✓||✓|
|Personal Injury Protection (PIP)||✓||✓|
|Property damage liability||✓||✓|
|Uninsured/underinsured bodily injury||✓||✓|
|Uninsured/underinsured motorist property damage||✓||✓|
Both companies offer plenty of auto insurance coverage options, but it’s important to look through their additional options as well.
What discounts do they offer?
Discounts can save you a substantial amount of money when purchasing a car insurance policy. Check out the discounts offered by both Nationwide and USAA in the chart below.
|Discounts||Nationwide Discounts Offered||USAA Discounts Offered|
|Adaptive Cruise Control||x|
|Daytime Running Lights||x||x|
|Electronic Stability Control||x|
|Lane Departure Warning||x|
|Forward Collision Warning||x|
|Students & Alumni||x|
While Nationwide doesn’t offer a discount for those in the military, they do offer more discounts than USAA. There are plenty of other good deals on auto insurance for veterans.
Nationwide vs. USAA: Which company is the best?
So, you’re looking for a good car insurance company for military and veterans and have come down to Nationwide vs. USAA. We’ve hopefully provided you with all the information you need, so you can buy either Nationwide vs. USAA for military and veterans for the right price.
As mentioned in the intro, many veterans and military members use USAA because the company specializes in working with military families. That being said, Nationwide is a popular auto insurance company that offers low rates and plenty of discounts.
When trying to choose between Nationwide vs. USAA for military and veterans, you should first determine what type of auto insurance policy would work best for you, then pick the company that fits your needs. To easily compare insurance quotes, use our comparison tool.