Compare GEICO vs. Nationwide Insurance

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GEICO and Nationwide are two well-known companies when it comes to auto insurance. GEICO was founded in 1936, and Nationwide was founded about a decade earlier in 1925. 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 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

  GEICO Nationwide
Best If GEICO
  • You want great customer service and low premiums
Nationwide
  • 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)
Nationwide
  • You want strong online or mobile services

Special Car Insurance Discounts

GEICO Nationwide
GEICO

GEICO offers a number of discounts for its auto, truck, and motorcycle insurance policyholders and their families. 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
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 GEICO Nationwide
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features GEICO 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 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
Military
Special Circumstances GEICO Nationwide
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts GEICO Nationwide
Married
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
GEICO

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 out on the road 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.

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

GEICO Nationwide
GEICO

GEICO Roadside Assistance With Emergency Road Service

GEICO Roadside Assistance With Emergency Road Service is a policy add-on that provides customer's with inexpensive towing and basic auto 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

GEICO’s Emergency Road Service is available through the company’s mobile app, or by calling (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 assistance even if you're not sure where you are.

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.