Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.

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 vs. Geico: Which Is Cheaper?

When it comes to cost, most consumers are better off with Geico than Nationwide. Geico has a national average rate of $3,215. Nationwide’s national average auto insurance rate comes in at $3,450, which is good compared to most rivals, but it can’t match Geico. USAA is the only car insurance company in our survey with a lower national average rate than Geico, but keep in mind that USAA only offers insurance to members of the military, veterans, and their spouses and children. That means Geico is the most affordable insurance offered to average consumers. Let’s see how Nationwide and Geico stack up in other ways.

How We Did This Comparison

U.S. News worked with Quadrant Information Services to provide a report of average insurance rates in all 50 states from the 10 largest national car insurance companies. The rates are based on profiles for both male and female drivers aged 17, 25, 35 and 60. Vehicles used include the 2018 Honda Civic, 2018 Toyota RAV4, 2018 Ford F-150, 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage of 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. The rates shown here are for comparative purposes only. Individual rates will differ.

We also 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.

Nationwide

  • Very good customer service
  • Good communication during claims and resolution
  • Low rates for teens
  • Average ranking among largest car insurance companies
  • Low perceived overall value
  • Higher overall prices than Geico

Geico

  • Among the lowest rates available
  • Good overall customer satisfaction
  • Easy to file a claim
  • Communications during claims process could be improved
  • High rates for older drivers
  • High rates for drivers with bad credit

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 Teens?

Company

Single 17-year-old female

Single 17-year-old male

Geico

$5,653.55

$6,278.96

Nationwide

$5,756.37

$7,175.31

If you’re shopping for car insurance for a new teen driver, you’ll likely find that rates are much higher for this group. Even though every insurance company charges the highest rates to the least experienced drivers, there’s still a lot of variation from company to company. We compared the rates from Geico and Nationwide for two groups: 17-year-old males and 17-year-old females.

In both cases, Geico is less expensive than Nationwide. Geico’s average rate for 17-year-old males is $6,279, while those who go with Nationwide can expect to pay about $7,175. Geico’s rate for females in this age group checks in at $5,654, while Nationwide charges an average national rate of $5,756.

Geico and Nationwide both offer a good student discount.

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

Company

Single 25-year-old male

Married 35-year-old male

Married 60-year-old male

Geico

$2,262.87

$2,312.38

$2,283.45

Nationwide

$2,889.04

$2,387.43

$2,214.62

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, all three age groups will do better with Geico than with Nationwide. Twenty-five-year-old men pay an average of $2,263 with Geico and $2,889 with Nationwide. For 35-year-olds, Geico’s nationwide average rate goes up slightly to $2,312, while Nationwide’s nationwide average rate drops considerably to $2,387. At age 60, men can expect to pay $2,283 with Geico and $2,215 with Nationwide.

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

Company

Single 25-year-old female

Married 35-year-old female

Married 60-year-old female

Geico

$2,378.89

$2,302.89

$2,247.06

Nationwide

$2,686.48

$2,360.49

$2,130.26

Next, we look at female drivers in the same age groups as the men: 25, 35, and 60. Geico has lower rates for the first two groups, and Nationwide has lower rates for the third group.

Geico’s national average rate for 25-year-old women is $2,379, considerably less than Nationwide’s $2,686 average for that group. With both companies, rates go down for women when they turn 35 and again when they reach the age of 60. Geico charges a national average of $2,303 to 35-year-olds, while Nationwide’s rate for this demographic is $2,360. With an average rate of $2,130, Nationwide is a better choice for 60-year-old women. Geico's rate for that age group is $2,247.

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

Company

12,000 miles annually

Geico

$3,267.37

Nationwide

$3,462.67

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. High-mileage drivers are better off with Geico’s nationwide average rate of $3,267, which is the second lowest in the study for this group, behind USAA. Nationwide’s rate for this group is a little higher at $3,463, but it's still better than many competitors.

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

Company

6,000 miles annually

Geico

$3,162.64

Nationwide

$3,437.33

Drive less than the average American? Check out the rates from Nationwide and Geico for customers who drive 6,000 miles a year. These rates aren’t much lower than the rates for drivers who rack up twice as many miles. With Geico, you’re looking at about $3,163, which is the lowest of all the major insurance companies except USAA. Nationwide’s average rate comes in at $3,437, which is good but slightly higher than a few rivals.

Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.

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

Company

Good Credit

Geico

$2,434.82

Nationwide

$2,925.94

Your credit score and credit history probably play a role in the amount you pay for your car insurance. It’s 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. Geico is a good choice for drivers with good credit. This group pays an average of $2,435 with Geico. Nationwide’s national average rate for this group comes is $2,926.

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

Company

Poor Credit

Geico

$4,259.50

Nationwide

$4,083.29

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. Nationwide is one of the cheapest auto insurance companies for drivers with bad credit. With a national average rate of $4,083, Nationwide comes in just behind USAA. Geico’s national average rate for drivers with bad credit is $4,260, which is just behind Nationwide and also among the better options for these customers.

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

Company

Clean record

Geico

$2,145.96

Nationwide

$2,746.18

Most drivers with a clean record will pay less with Geico than with Nationwide. Geico’s national average rate for this group is $2,146, while Nationwide’s national average for good drivers is $2,746. Geico's average rate is the second-lowest for this group, behind only USAA, while Nationwide’s rate is also better than most competitors.

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

Company

With 1 speeding violation

Geico

$2,645.43

Nationwide

$3,113.68

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. Drivers whose records are marred by a speeding ticket should look at Geico first. Geico’s national average rate for this group is $2,645, which is lower than every major rival except USAA. Nationwide’s national average rate is also lower than most rivals, coming in at $3,114.

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

Company

With 1 accident

Geico

$3,192.77

Nationwide

$3,396.95

Consumers who have one accident on their driving records are likely to do better with Geico than with Nationwide. Geico has the second-lowest average rates in the country after USAA, coming in at $3,193. Nationwide’s average rate is $3,397, which is still good and less than most major rival insurance companies.

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

Company

With 1 DUI

Geico

$4,875.87

Nationwide

$4,543.20

Nationwide’s average national rate for drivers with a single instance of driving under the influence, or DUI, is cheaper than Geico’s. The average rate for Nationwide is $4,543, while Geico comes in at $4,876. Both rates are about midpack compared to average rates from the other major auto insurance companies.

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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 Nationwide, Geico, 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. Liberty Mutual
  10. American Family

The Cheapest Car Insurance Companies

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

Average Annual Rates:

  1. USAA: $2,537.30
  2. Geico: $3,215.01
  3. State Farm: $3,260.00
  4. American Family: $3,443.09
  5. Nationwide: $3,450.00
  6. Progressive: $4,035.52
  7. Farmers: $4,194.27
  8. Travelers: $4,434.91
  9. Allstate: $4,887.95

Liberty Mutual car insurance rates are not currently available.