Compare AAA vs. Nationwide Insurance

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Which Company Will Save You the Most Money?

Compare Rates From These Top Companies

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AAA and Nationwide are two of the top companies in the auto insurance space. AAA, founded in 1902, is ranked fifth among auto insurers for 2016, while Nationwide, founded in 1925, is 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 kinds of 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, and anything beyond that costs extra
Nationwide
  • You want strong online or mobile services

Special Car Insurance Discounts

AAA Nationwide
AAA

Another special feature of AAA is that it offers discounts in almost any category you can imagine. At participating establishments in your state, you can get Triple A discounts in the areas of:

  • 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 transferring all the mail, bills, or documents you’d otherwise receive in the mail over to e-mail. It’s a convenient 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 and lets you stay on top of your insurance related finances. From the comfort of your home or convenience of your phone you can deposit checks or pay insurance bills. 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 representative with the following 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, regardless of 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

Nationwide’s Roadside Emergency Service is available by calling 1 (800) 421-3535. Its roadside service website is here. This service can help if: you’re locked out, you need a jumpstart, you get a flat tire, you need gas delivered, or if need a tow.