Compare Nationwide vs. USAA Insurance

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Nationwide and USAA are two big names in the insurance industry. Nationwide was founded in 1925, and USAA was founded in 1922. While Nationwide is well-liked for its vanishing deductible program and affordable premiums, USAA is popular for its outstanding customer service and smooth claims process.

However, Nationwide’s online platform could improve, and USAA, although excellent, only offers its services to military personnel and their immediate families. Nevertheless, both companies offer a wide range of discounts, and rank high in terms of financial strength and J.D. Power ratings.

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

  Nationwide USAA
Best If Nationwide
  • You want a fast and fair claims process
USAA
  • You (or a parent) are a member of the military, and customer service is very important to you
Worst If Nationwide
  • You want strong online or mobile services
USAA
  • You are not in the military, and do not have a parent who served in the military

Special Car Insurance Discounts

Nationwide USAA
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.

USAA

Standard Car Insurance Discounts

Bundling Coverage Discounts Nationwide USAA
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Nationwide USAA
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 Nationwide USAA
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Nationwide USAA
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Nationwide USAA
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Nationwide USAA
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Nationwide Car Insurance USAA Car Insurance
2016 53 245
2015 112 415
2014 90 380
2013 134 270

U.S. Auto Insurance Shopping Study (2016)

Nationwide Car Insurance USAA Car Insurance
Overall Purchase Experience Average Among the best
Policy Offerings Average Among the best
Pricing Average Among the best
Local Agent Average --
Call Center Representative Average Among the best
Insurer Website Average Among the best

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

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

Financial Strength Ratings

Nationwide Car Insurance USAA Car Insurance
A.M. Best A+ A++
Moody's A1 Aaa
S&P's A+ AA+

Mobile Apps

Nationwide USAA
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.

USAA

The USAA Mobile App lets you manage your insurance policies quickly and conveniently from your mobile device. The app has a touch fingerprint ID feature or voice recognition for a more secure login process. Use the USAA Mobile App to pay insurance premiums, transfer funds, and more. Download the app here

Roadside Assistance

Nationwide USAA
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.

USAA

USAA Roadside Assistance

USAA Roadside Assistance is offered thru USAA Towing and Labor as an additional coverage option on your policy. Only vehicles covered by USAA insurance are eligible for roadside assistance. USAA contracts their roadside service with Cross Country Motor Club to help you in need of help.

Roadside Services Covered

  • Towing
  • Gas delivery
  • Tire replacement

Contact Phone Number

USAA’s Roadside Assistance is available by calling 1 (866) 375—5374. This program can assist you in a number of undesirable situations and emergencies.