Compare AAA vs. Nationwide Insurance

AAA and Nationwide are two of the top companies in the auto insurance space. AAA was ranked fifth among auto insurers for 2016. And Nationwide was ranked second. While Nationwide’s roadside assistance program is extensive, it doesn’t hold a candle to that of AAA. In fact, AAA is ranked number one in this area for 2016 because of its three-tier, 24-hour roadside service.

Still, Nationwide is financially stronger than AAA and has higher J.D. Power ratings due to its low premiums, claims process, and friendly customer service.

Which company offers the discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  AAA Nationwide
Best If AAA
  • You want excellent roadside service
  • You want to easily access information from the website
Nationwide
  • You want a fast and fair claims process
Worst If AAA
  • You constantly need service calls. AAA only provides four service calls per cardholder per year. Anything beyond that costs extra
Nationwide
  • You want strong online or mobile services

Compare Insurance Prices

Comparing quotes is the best way to get the lowest rates from top insurers like AAA and Nationwide. QuoteWizard is an independent company that helps you find the right policy at the best rate.

Find The Best Rates For Your Policy

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Special Car Insurance Discounts

AAA Nationwide
AAA

Another special feature of AAA is that it offers discounts in almost any category you can imagine. Here are just a few of the Triple A discounts you can get:

  • Automotive
  • Dining
  • Entertainment
  • Financial
  • Health
  • Insurance
  • Lodging
  • Services
  • Shopping
  • Travel
Nationwide

Paperless Documents
Nationwide has a unique discount that saves customers money and saves the company (and the planet) paper. Going paperless simply means sending all the bills, or documents you’d otherwise receive in the mail over to e-mail. It’s an easy way to save paper and keep better track of your important insurance documents. Read more about this discount here.

Standard Car Insurance Discounts

Bundling Coverage Discounts AAA Nationwide
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features AAA Nationwide
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History AAA Nationwide
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships AAA Nationwide
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances AAA Nationwide
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts AAA Nationwide
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

AAA Car Insurance Nationwide Car Insurance
2016 53
2015 112
2014 90
2013 134

U.S. Auto Insurance Shopping Study (2016)

AAA Car Insurance Nationwide Car Insurance
Overall Purchase Experience Average Average
Policy Offerings Average Average
Pricing Average Average
Local Agent Average Average
Call Center Representative Above average Average
Insurer Website Average Average

U.S. Auto Insurance Claims Satisfaction Study (2015)

AAA Car Insurance Nationwide Car Insurance
Overall Satisfaction Above average Above average
First Notice of Loss Above average Above average
Service Interaction Above average Above average
Appraisal Average Above average
Repair Process Among the best Above average
Rental Car Experience Above average Average
Settlement Above average Average

Financial Strength Ratings

AAA Car Insurance Nationwide Car Insurance
A.M. Best A+ A+
Moody's -- A1
S&P's A A+

Mobile Apps

AAA Nationwide
AAA

AAA Mobile app grants you access to tons of exclusive member discounts at over 164,000 locations. You can also request roadside assistance from your mobile device as well as instant battery quotes. Download the AAA Mobile app here.

AAA eTourBook Guides provide members with great travel information for top travel destinations in the US.

Nationwide

The Nationwide Mobile App allows you to:

  • Pay your bills
  • File or view a claim
  • Get in touch with your agent
  • And much more. All with a single touch

To download the app, click here.

Nationwide Mobile Banking App can be downloaded to your web browser or your mobile phone. The app grants you access to your Nationwide bank accounts. It also lets you stay on top of your insurance related finances. You can deposit checks or pay insurance bills at home or by phone. For more information and to download the Mobile Banking App, click here.

Roadside Assistance

AAA Nationwide
AAA

AAA Roadside Assistance

AAA is best known for its roadside assistance and emergency road service. With the Emergency Road Service (ERS), AAA members can request help at any time.

ERS offers the following roadside services:

  • Accident Towing
  • Battery Service
  • Emergency Towing
  • Flat Tire
  • Fuel
  • Lock Out
  • Winching
  • Bicycle Service

Contact Phone Number

When you call the ERS number 1-800-AAA-HELP (1-800-222-4357), you’ll need to provide the rep with your contact information:

  • Name
  • Membership number
  • Membership expiration date
  • Phone number
  • Vehicle type
  • Exact location
  • License plate number
  • Nature of difficulty
  • Tow destination
Nationwide

Nationwide Roadside Assistance

Nationwide Roadside Assistance offers two levels of coverage that apply to everyone on your policy. It doesn't matter who's car you might be in.

Nationwide Roadside Assistance Basic

Services covered:

  • Towing up to 15 miles
  • Winching
  • Gas delivery
  • Battery service
  • Lockout service up to $100
  • Tire replacement

Nationwide Roadside Assistance Plus

Covers all the services of the basic plan plus:

  • Towing up to 100 miles
  • Trip interruption coverage that will reimburse the cost

Contact Phone Number

Call 1 (800) 421-3535.

Its roadside service website is here. This service can help if you need a: locksmith, jumpstart, tire fixed, tow, or gas delivered.