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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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.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jun 8, 2021

Advertiser Disclosure

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.

To Sum It Up

  • 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.

Nationwide vs USAA Average Annual Auto Insurance Rates by State
StateNationwide Average Annual RatesUSAA Average Annual Rates
AlaskaData Not Available$2,454.21
Alabama$2,662.66$2,124.09
Arkansas$3,861.79$2,171.06
Arizona$3,496.08$3,084.29
California$4,653.19$2,693.87
Colorado$3,739.47$3,338.87
Connecticut$3,672.34$3,190.00
District of Columbia$4,848.98$2,580.44
Delaware$4,330.21$2,325.98
Florida$4,339.60$2,850.41
Georgia$6,484.90$3,157.46
Hawaii$2,551.83$1,189.35
Iowa$2,735.44$1,852.57
Idaho$3,032.19$1,877.61
Illinois$2,711.81$2,770.21
IndianaData Not Available$1,630.86
Kansas$2,475.59$2,382.61
Kentucky$5,503.23$2,897.89
LouisianaData Not Available$4,353.12
MaineData Not Available$1,930.79
Maryland$2,915.69$2,744.14
MassachusettsData Not Available$1,458.99
Michigan$6,327.38$3,620.00
Minnesota$2,926.49$2,861.60
Missouri$2,265.35$2,525.78
Mississippi$2,756.53$2,056.13
Montana$3,478.26$2,031.89
North Carolina$2,848.03Data Not Available
North Dakota$2,560.35$2,006.80
Nebraska$2,603.94$2,330.78
New Hampshire$2,491.10$1,906.96
New JerseyData Not AvailableData Not Available
New Mexico$3,514.38$2,296.77
Nevada$3,477.14$3,069.07
New York$4,012.93$3,761.69
Ohio$3,300.89$1,478.46
OklahomaData Not Available$3,174.15
Oregon$3,176.83$2,587.15
Pennsylvania$2,800.37$1,793.37
Rhode Island$4,409.63$4,323.98
South Carolina$3,625.49$3,424.77
South Dakota$2,737.66Data Not Available
Tennessee$3,424.96$2,739.28
Texas$3,867.55$2,487.89
Utah$2,986.57$2,491.10
Virginia$2,073.00$1,858.38
Vermont$2,128.21$1,903.55
Washington$2,129.84$2,262.16
West VirginiaData Not Available$1,984.62
Wisconsin$5,224.99$2,975.74
Wyoming$3,187.20$2,779.53
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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.

Nationwide vs USAA: Average Annual Auto Insurance Rates by Driving Record
Driving RecordNationwide Average Annual RatesUSAA Average Annual Rates
Clean record$2,746.18$1,933.68
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
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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.

Nationwide Vs. USAA: Average Annual Auto Insurance Rates by Age and Gender
Demographic GroupNationwide Average Annual RatesUSAA 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
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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.

Nationwide vs USAA: Average Annual Auto Insurance Rates by Credit Score
Credit ScoreNationwide Average Annual RatesUSAA Average Annual Rates
Fair$3,254.83$2,219.83
Good$2,925.94$1,821.20
Poor$4,083.29$3,690.73
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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.

Nationwide vs USAA: Average Annual Auto Insurance Rates by Commute Length
Commute DistanceNationwide Average Annual RatesUSAA 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
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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.

Nationwide vs USAA: Average Annual Auto Insurance Rates by Make/Model
Make and Model Nationwide Average Annual RatesUSAA 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
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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.

Nationwide vs USAA Average Annual Auto Insurance Rates by Coverage Level
Coverage LevelNationwide Average Annual RatesUSAA Average Annual Rates
High$4,350.96$2,667.92
Low$3,737.13$2,404.11
Medium$4,018.46$2,539.87
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As you can see, the lower the amount of coverage you purchase, the lower the rates.

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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.

Nationwide vs USAA: Financial Ratings
Ratings WebsiteNationwide RatingsUSAA Ratings
AM BestA1A++
S&PA+AA+
Moody'sN/AAaa
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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.

Nationwide Vs. USAA: Customer Ratings
Review WebsiteNationwide RatingsUSAA Ratings
Consumer ReportsN/A95
J.D. Power 867 (About average)900 (Among the best)
Better Business Bureau1.18/5 stars1.29/5 stars
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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.

Nationwide Vs USAA Auto Insurance Coverage Options Offered
Types of CoverageNationwideUSAA
Bodily injury liability
Personal Injury Protection (PIP)
Property damage liability
Comprehensive
Collision
Uninsured/underinsured bodily injury
Uninsured/underinsured motorist property damage
Medical payments
Roadside assistance
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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.

Nationwide vs USAA: Auto Insurance Discounts Offered
DiscountsNationwide Discounts OfferedUSAA Discounts Offered
Adaptive Cruise Controlx
Adaptive Headlightsx
Anti-lock Brakesxx
Anti-Theftxx
Daytime Running Lightsxx
Electronic Stability Controlx
Vehicle Recoveryxx
VIN Etchingxx
Lane Departure Warningx
Newer Vehiclexx
Forward Collision Warningx
Claim Freexx
Defensive Driverxx
Distant Studentxx
Driver's Edx
Driving Device/Appxx
Early Signingxx
Family Legacyx
Family Planx
Further Educationx
Garaging/Storingx
Good Creditx
Good Studentxx
Homeownerx
Life Insurancex
Low Mileagexx
Loyaltyxx
Marriedxx
Membership/Groupx
Militaryx
Military Garagingx
Multiple Policiesxx
Multiple Vehiclesxx
Occasional Operatorx
Occupationx
Paperless Documentsx
Paperless/Auto Billingxx
Passive Restraintxx
Safe Driverxx
Senior Driverx
Stable Residencex
Students & Alumnix
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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.