Compare GEICO vs. Nationwide Insurance

GEICO and Nationwide are two well-known companies when it comes to auto insurance. Both companies have high scores all around: GEICO was ranked #1 for top auto insurers of 2016, with Nationwide in second at #2. They also share superior financial strength and J.D. Power ratings, and are known for having excellent customer service.

However, GEICO could improve its discounts list, and Nationwide should broaden its online materials. So which one offers the discounts, services, and customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  GEICO Nationwide
  • You want great customer service and low premiums
  • You want a fast and fair claims process
Worst If GEICO
  • You want other products aside from car and motorcycle insurance (other products offered through third parties)
  • You want strong online or mobile services

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

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Special Car Insurance Discounts

GEICO Nationwide

GEICO offers a number of discounts for auto, truck, and motorcycle insurance. Some of the discounts include:

  • Vehicle Equipment discounts
    • Air bags, anti-lock brake system, anti-theft system, and daytime running lights discounts
  • Driving History and Habits discounts
    • Five-year accident-free good driver and seatbelt use discounts
  • Driver’s Education discounts
    • Defensive driving, driver’s ed, and good student discounts
  • Driver Affiliations
    • Emergency deployment, military, membership/employee discounts, or federal employee status discounts
  • Customer Loyalty discounts
    • Multi-car, multi-policy/line (bundling) discounts

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

Consumer Complaint Data

GEICO Car Insurance Nationwide Car Insurance
2016 144 53
2015 283 112
2014 267 90
2013 188 134

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

GEICO Car Insurance Nationwide Car Insurance
A.M. Best A++ A+
Moody's Aa1- A1
S&P's AA+ A+

Mobile Apps

GEICO Nationwide

The GEICO Mobile App

provides customers easy access to their insurance policies. Its features include:

  • Digital ID Cards. Have your insurance cards stored on your phone for quick, easy access in case of emergency
  • Roadside Assistance. Contact GEICO direct from your mobile phone for help should you get a flat tire, have an accident, etc.
  • Chat. Talk instantly to insurance agents with the chat feature anytime, and anywhere

Download the GEICO app here.


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

GEICO Nationwide

GEICO Roadside Assistance With Emergency Road Service

GEICO Roadside Assistance With Emergency Road Service is an add-on that provides customer's with cheap towing and basic repairs. The service costs as little as $14 a year, per car and can assist motorists with:

Roadside Assistance Services Covered

  • Car battery jumping
  • Replacing flat tires with your spare
  • Bringing you gasoline if your tank's empty
  • Locksmith service (Up to $100)
  • Towing that's unrelated to an accident

Roadside Assistance With Emergency Road Service will only fix minor problems like these. However, if your car needs major work, you will be towed to a safe place where repairs can be made.

Contact Phone Number

You can access GEICO’s Emergency Road Service through its mobile app. You can also call (800) 443-7411.
Its roadside service website is here.

Using GEICO's mobile app is a great way to get help fast because of GPS. The GPS locator means GEICO can find you and send help even if you're not sure where you are.


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.