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Time to shop for new car insurance? You’re not alone. We’re here to help you demystify the process of finding the best rates and successfully buying a new car insurance policy that meets your needs. Car insurance rates depend on many variables, and each company sets their own rate table. We surveyed customers of the 10 largest auto insurance companies and gathered nationwide data on average annual car insurance rates to help you find the best options for you.

Nationwide Car Insurance vs. Geico Car Insurance: Which Is Better?

Time to shop for new car insurance? You’re not alone. We’re here to help you demystify the process of finding the best rates and successfully buying a new car insurance policy that meets your needs. Car insurance rates depend on many variables, and each company sets their own rate table. We surveyed customers of the 10 largest auto insurance companies and gathered nationwide data on average annual car insurance rates to help you find the best options for you.

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When it comes to cost, most consumers are better off with Geico than Nationwide. Geico has a national average rate in our analysis of $1,063. Nationwide’s national average representative auto insurance rate comes in at $1,530, which makes it one of the most expensive insurers in our study. USAA is the only car insurance company in our survey with a lower national average study rate than Geico, but keep in mind that USAA only offers insurance to members of the military, veterans, and their families. That means Geico is the most affordable insurance offered to average consumers. Let’s see how Nationwide and Geico stack up in other ways.

The Cheapest Car Insurance Companies

Average Annual Rates:

Though we mainly considered cost in this comparison between Nationwide and Geico, there are plenty of other reasons to choose a specific insurance company. For more information, head over to our full ranking of the best car insurance companies and read the feedback and insights of real customers.

How We Did This Comparison

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Best Car Insurance Rankings. 

We surveyed 2,799 consumers who filed a car insurance claim in the last five years, asking questions about their car insurance company. These questions covered satisfaction with the ease of filing a claim, customer service, claim status communication, claim resolution, and overall value. We also asked whether they’d recommend the company and if they planned to renew their policy. We used their responses to build our Best Car Insurance Companies ranking and this head-to-head comparison.

Our Study Rates

To get comparative insurance rates for this study, U.S. News also worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. 

To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 25, 35 and 60 who drive 12,000 miles per year, have medium coverage, good credit and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

Nationwide vs. Geico: Pros & Cons

Nationwide

    • Very good customer service

    • Good communication during claims and resolution

    • Low perceived overall value

    • Higher overall representative rates than Geico

Geico

    • Among the lowest rates in our study

    • Good overall customer satisfaction

    • Easy to file a claim

    • Communications during claims process could be improved

Nationwide Auto Insurance Information

Ohio-based Nationwide is one of the largest insurance and financial services companies in the world, with more than $158 billion in statutory assets. In our survey of real customers of the largest auto insurance companies, Nationwide lands in the middle. Nationwide offers above-average customer service, and survey respondents indicated satisfaction with the claims process and claim resolution. However, survey respondents said they perceive Nationwide as offering a low overall value, which dragged the company down in the rankings.

Geico Auto Insurance Information

Geico was founded in Texas in 1936. In 1964, the company wrote its millionth insurance policy, and in 2000, the famous Geico gecko made his advertising debut. As of 2016, Geico is the second-largest insurance company in the United States, just behind State Farm. Most Geico customers indicated that they plan to renew their Geico policy and would recommend the company to others, helping Geico nab fourth place in our ranking of the largest auto insurance companies. Geico’s rates also tend to be lower than most competitors.

Nationwide and Geico Car Insurance: Which Is Cheapest for Men?

Age and gender are big factors in determining car insurance rates, and our data shed some light on exactly how much people of different ages can expect to pay for car insurance. We also broke down the age groups into men and women because rates tend to be different. Most major insurance companies charge lower rates to older and more experienced drivers, though there are some exceptions to that rule. 

In terms of price, our study data shows that all three age groups will do better with Geico than with Nationwide. Our driver profile for 25-year-old men shows an average representative rate of $1,210 with Geico and $1,878 with Nationwide. For 35-year-old profiles, Geico’s nationwide average representative rate drops slightly to $1,057, while Nationwide’s nationwide average representative rate drops considerably to $1,484. At age 60, the representative rates for our driver profile are $998 with Geico and $1,352 with Nationwide.

To find the average rates in our study based on gender and age, we created driver profiles for males in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

Single 25-year-old male

Married 35-year-old male

Married 60-year-old male

Geico

$1,120.01

$1,057.20

$998.26

Nationwide

$1,877.87

$1,483.70

$1,351.75

Nationwide and Geico Car Insurance: Which Is Cheapest for Women?

Next, we're going to look at rates for female drivers in three different age groups: 25, 35, and 60. According to study data, Geico’s national average representative rate for our driver profile for 25-year-old women is $1,160, considerably less than Nationwide’s $1,715 average representative rate for that group. With both companies, representative rates go down for our female driver profiles when they turn 35 and again when they reach the age of 60. Geico shows a national average representative rate of $1,032 for the 35-year-old profiles, while Nationwide’s representative rate for this demographic is $1,463. For the 60-year-old female driver profile, Geico’s representative rate is $973 and Nationwide’s representative rate is $1,286.

We created driver profiles for females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

Single 25-year-old female

Married 35-year-old female

Married 60-year-old female

Geico

$1,160.30

$1,031.61

$972.89

Nationwide

$1,715.26

$1,463.04

$1,285.84

Nationwide and Geico Car Insurance: Which Is Cheapest for High Mileage?

The more you’re on the road, the more you might pay for car insurance, which makes sense – parked cars don’t have a lot of accidents. To help you figure out how much your annual mileage affects your premiums, we looked at average nationwide rates for high-mileage drivers, which was defined as people who drive 12,000 miles annually. According to our study data, our high-mileage driver profile is better off with Geico’s nationwide average representative rate of $1,063, which is the second-lowest in the study for this group, behind USAA. Nationwide’s representative rate for this group, at $1,530, is one of the highest in the study.

To find the average rates in our study based on annual mileage, we created driver profiles for customers who drove 6,000 miles per year and customers who drove twice that amount. The profiles also have a clean driving record, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

12,000 miles annually

Geico

$1,063.10

Nationwide

$1,529.58

Nationwide and Geico Car Insurance: Which Is Cheapest for Low Mileage?

Drive less than the average American? Next, let’s take a look at representative rates for driver profiles for customers who drive 6,000 miles a year.

These representative rates aren’t much lower than the rates for drivers who rack up twice as many miles. With Geico, you’re looking at about $1,005, which is the lowest of all the major insurance companies except USAA. Nationwide’s average representative rate comes in at $1,519.

The profiles with 6,000 miles of annual driving also have a clean driving record, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

6,000 miles annually

Geico

$1,004.62

Nationwide

$1,519.02

Nationwide and Geico Car Insurance: Which Is Cheapest for Good Credit?

Your credit score and credit history probably play a role in the amount you pay for your car insurance. Credit history is one of the ways insurance companies learn more about you and determine how much of a risk you’ll be – in other words, if you’re likely to cost them more money than other customers. Insurance companies believe people with good credit tend to be more responsible, and therefore better drivers. 

According to our study data, Geico is a good choice for our driver profile with good credit. This driver profile shows an average representative rate of $1,041 with Geico. Nationwide’s national average representative rate for this group is $1,513.

Our study reviewed the effects of credit score on car insurance rates using male and female driver profiles with ages of 25 years, 35 years, and 60 years. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a medium level of insurance coverage, and 12,000 miles of annual mileage. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis.

Company

Good Credit 

Geico

$1,041.20

Nationwide

$1,512.87

Nationwide and Geico Car Insurance: Which Is Cheapest for Bad Credit?

According to our study data and driver profiles for drivers with poor credit, customers with a low credit score or spotty credit history should expect to pay higher prices for car insurance than customers with good credit because auto insurance companies perceive these drivers to be a higher risk. 

Our study data shows that Geico is one of the cheapest auto insurance companies for driver profiles with bad credit. With a national average representative rate of $1,853, Geico comes in just behind USAA. Nationwide’s national average representative rate for our driver profile with bad credit is $2,090, which is also among the better options for these customers.

To verify that a bad credit can impact car insurance rates, we created driver profiles insured through American Family and Geico with a poor credit score. The profiles were based on 25-, 35-, and 60-year-old males and females with 12,000 miles of driving per year, a clean driving history, and a medium level of insurance coverage. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. 

Company

Poor Credit

Geico

$1,853.45

Nationwide

$2,090.27

Nationwide and Geico Car Insurance: Which Is Cheapest for Good Drivers?

Driving records have a significant impact on car insurance rates, according to our study. 

According to our analysis, most driver profiles with a clean record will pay less with Geico than with Nationwide. Geico’s national average representative rate for this driver profile is $1,063, while Nationwide’s national average representative rate for the good driver profiles is $1,530. Geico's average representative rate is the second-lowest for this group, behind only USAA, while Nationwide’s representative rate is on the higher side.

To find out just how much of an effect driving record has on insurance rates, we compared driver profiles including those with a clean record, those with one speeding violation, those with one accident, and those with one instance of driving under the influence (DUI). These driving record representative profiles included 25-, 35-, and 60-year-old males and females with 12,000 miles of mileage per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

Clean record

Geico

$1,063.10

Nationwide

$1,529.58

Nationwide and Geico Car Insurance: Which Is Cheapest After a Speeding Ticket?

One of the easiest ways to keep auto insurance rates down is to avoid speeding tickets and other moving violations. Infractions on your driving record will cost you money in fees and fines, and they’ll make your auto insurance rates go up for years to come. Next up, we’ll look at the cost of a speeding ticket as it affects car insurance. Our study data and driver profiles can help show how much this moving violation can potentially cost.

According to our study data, driver profiles whose records are marred by a speeding ticket should look at Geico first. Geico’s national average representative rate for this group is $1,356, which is lower than every major rival except USAA. Nationwide’s national average representative rate is on the high side, coming in at $1,838.

We tested our driving profiles to check rates following a speeding ticket. These driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles have 12,000 miles of driving per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

With 1 speeding violation

Geico

$1,356.17

Nationwide

$1,838.34

Nationwide and Geico Car Insurance: Which Is Cheapest After an Accident?

According to our study data and driver profiles for consumers with a single accident on their driving record, consumer profiles who have one accident on their driving records are likely to do better with Geico than with Nationwide. Geico has the third-lowest average representative rate in the country for th is profile, after USAA and State Farm, coming in at $1,691. Nationwide’s average representative rate is $2,152, which lands at about the middle of the pack.

To compare the rates offered by Nationwide and Geico to driving profiles with an accident on their driving history, we used male and female profiles in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for driving up to 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

With 1 accident

Geico

$1,691.06

Nationwide

$2,151.85

Nationwide and Geico Car Insurance: Which Is Cheapest After a DUI?

According to our study data and driver profiles, Geico’s average national representative rate for drivers with a single instance of driving under the influence, or DUI, is cheaper than Nationwide’s. The average study rate for Nationwide is $3,151, while Geico comes in at $2,806. These two companies' representative rates are the highest among all the average rates in our study from the major auto insurance companies.

We analyzed car insurance rates for driver profiles with a DUI. These profiles were males and females aged 25-, 35-, and 60-years old. They had a good credit score, a medium level of insurance coverage, and 12,000 miles of driving per year. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis.

Company

With 1 DUI

Geico

$2,805.50

Nationwide

$3,151.30

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The Best Car Insurance Companies

This head-to-head comparison looks mainly at cost. For more information, check out our full ranking of the Best Car Insurance Companies and learn about what real customers say about Geico, Nationwide, and their competitors.

Our Car Insurance Ranking:

  1. USAA
  2. Travelers
  3. State Farm
  4. Geico
  5. Farmers
  6. Nationwide
  7. Progressive
  8. Allstate
  9. American Family

The Cheapest Car Insurance Companies

For more information, check out our full list of the cheapest car insurance companies.

Average Annual Rates: