In this article :
Nationwide And Geico Overview
When we reviewed Nationwide and Geico individually, we found Nationwide to be the best choice on the grocery store for seniors and Geico to be the best choice overall. Let ’ s see if those rankings hold true as we compare nationally v Geico. The table below summarizes our revue scores for each insurance company, and may be utilitarian for comparing the two at a glance.
| nationally | Geico | |
|---|---|---|
| Overall Rating | 4.0 | 4.5 |
| Superlative | Best for Seniors | Best overall |
| Availability | 47 states | 50 states |
| Coverage | 4.5 | 4.0 |
| Cost | 3.5 | 4.0 |
| Customer Service | 3.5 | 4.0 |
| AM Best Financial Strength Rating | A+ | A++ |
| J.D. Power Claims Satisfaction | 876/1,000 | 871/1,000 |
| Mobile App Google Play Rating | 4.3 | 4.8 |
Nationwide Vs Geico: Coverage
Both Nationwide and Geico provide standard coverage including liability car indemnity, collision policy, and more. You can besides get wayside aid and rental car reimbursement with either car policy caller.
| nationally | Geico | |
|---|---|---|
| Bodily Injury Liability (BI) | ✓ | ✓ |
| Property Damage Liability (PD) | ✓ | ✓ |
| Collision | ✓ | ✓ |
| Comprehensive | ✓ | ✓ |
| Personal Injury Protection (PIP) | ✓ | ✓ |
| Medical Payments (MedPay) | ✓ | ✓ |
| Uninsured/Underinsured Motorist (UM/UIM) | ✓ | ✓ |
| Roadside Assistance | ✓ | ✓ |
| Rental Car Reimbursement | ✓ | ✓ |
| Mechanical Breakdown Insurance (MBI) | ✓ | |
| Rideshare Insurance | ✓ | |
| Accident Forgiveness | ✓ | |
| Gap Insurance | ✓ | |
| Deductible Savings | ✓ | |
| Towing and Labor | ✓ | |
| Total Loss Deductible Waiver | ✓ |
Standout Coverage From Nationwide:
Accident forgiveness : This character of coverage protects your car policy rates from sky-rocketing after your beginning at-fault accident. Vanishing deductible : This reduces your deductible by $ 100, up to a maximum of $ 500, for every year spent driving safely. Total loss deductible : When your car is deemed a sum loss due to a embrace accident, you won ’ thymine have to pay a comprehensive examination or collision deductible.
Standout Coverage From Geico:
Mechanical breakdown insurance : This type of coverage protects you from paying the monetary value of cable car repairs out-of-pocket after a mechanical breakdown. Rideshare insurance : This policy is beneficial for customers who drive for a ridesharing service such as Uber or Lyft. It covers passengers ’ injuries after an accident and rental car reimbursement.
Nationwide Vs Geico: Cost And Discounts
In our research, we discovered that Geico car insurance is generally more low-cost than Nationwide. But anytime you compare insurance, you should see if you are eligible for any discounts that can affect your agio. The following table compares Nationwide v Geico discounts.
| countrywide | Geico | |
|---|---|---|
| Multiple Policy | ✓ | ✓ |
| Safe Driver | ✓ | ✓ |
| Anti-Theft | ✓ | ✓ |
| Usage-based Program | ✓ | ✓ |
| Multiple Vehicle | ✓ | |
| Good Student | ✓ | |
| Vehicle Safety | ✓ | |
| Military | ✓ | |
| Emergency Deployment | ✓ | |
| Anti-Lock Brakes | ✓ | |
| Daytime Running Lights | ✓ | |
| New Car | ✓ | |
| Passive Restraints | ✓ | |
| Defensive Driving | ✓ | |
| Federal Employee | ✓ | |
| Automatic Payments | ✓ | |
| Defensive Driving | ✓ | |
| Affinity Membership | ✓ |
Geico has more discounts available than Nationwide that can help drivers save money. here are a few discounts we like from each caller :
- Nationwide defensive driving discount: If you complete a pre-approved defensive driving course, you could save money on your car insurance rates.
- Nationwide affinity membership discount: Nationwide partners with various alumni, professional, and academic organizations to give members discounts on car insurance.
- Geico military discounts: If you are an active-duty or retired military member, you could save money on car insurance from Geico. Additionally, If you are in the military and deployed, you could qualify for a discount.
- Geico vehicle safety discounts: Cars with anti-theft devices, anti-lock brakes, seatbelts, or daytime running lights qualify for various discounts.
Nationwide’s SmartRide® Vs Geico’s DriveEasy
Another significant circumstance when comparing Nationwide v Geico is the safe drive programs offered by the companies. By driving safely while logged into the fluid app or using a circuit board device, you can save on your car policy premium.
| SmartRide | DriveEasy |
|---|---|
| Through the Nationwide mobile app or circuit board device | Through the Geico mobile app or circuit board device |
| 10 percentage deduction for signing up | up to 20 percentage off for signing up |
| up to 40 percentage off over time for safe drive | 2.4 stars on Google Play |
| 4.3 stars on Google Play |
Nationwide Vs Geico: Ratings And Reviews
When rated by industry experts, Nationwide and Geico both perform well across multiple categories.
| countrywide | Geico | |
|---|---|---|
| Better Business Bureau (BBB) Rating | A+ | A+ |
| AM Best Financial Strength Rating | A+ | A++ |
The BBB rates car indemnity companies based on commercial enterprise practices and transparency, while AM Best scores based on a company ’ randomness ability to pay out claims. To give you some more clarity, we used J.D. Power ’ south 2020 Auto Insurance Study to compare Nationwide vs Geico by region. Use the graph below to see how each provider performed in your area based on a 1,000-point scale for customer satisfaction.
| region | nationally | Geico |
|---|---|---|
| California | 797 | 828 |
| cardinal | 815 | 855 |
| Florida | – | 846 |
| middle atlantic | 835 | 841 |
| New England | – | 841 |
| New York | 825 | 837 |
| north Central | 828 | 851 |
| northwest | – | 834 |
| southeast | 825 | 857 |
| southwesterly | 786 | 834 |
| Texas | 820 | 846 |
Geico won in every area in the U.S. for overall customer gratification, which is an important circumstance when trying to choose between Nationwide vs Geico.
Customer Reviews
here is a sampling of positivist and negative reviews that we thought estimable summed up the strengths and weaknesses customers have experienced with each provider.
Nationwide Insurance Reviews
“ I have had Nationwide car insurance for over 15 years, and I have never had a problem. When my car was hit by a drink driver, Nationwide paid for the repairs and then they in turn, went after the other indemnity company for reimbursement. Within a matter of a week, I had my own car back, fixed like new. Thank you, countrywide ! ” -Kimberly A. via BBB
“ [ Nationwide ] constantly [ raises ] rates for no reason. [ Its ] customer service representatives have lied to me multiple times about the real reason for the rate increases, and my agent told me he would get me quotes from other companies alternatively of dealing with the real emergence. ” -Brandon T. via BBB
Geico Insurance Reviews
“ I ’ ve been a customer of Geico for close up to 20 years. My kids have had a few accidents, and they have been extremely professional and I have zero complaints about the claims they handled. Their service has been great. ” -Kenneth A. via BBB
“ Very inadequate company to deal with. Their client was 100 percentage at fault in [ an ] car accident, but they are only volition to pay 70 percentage of damages to my vehicle… He was issued the ticket for [ an ] improper lane change causing an accident, but they do n’t want to accept full liability for [ the ] accident… ” -Matthew W. via BBB
Our Take: Nationwide Vs Geico
We ‘ve rated both Nationwide and Geico highly for coverage, price, and customer satisfaction. But the two insurers are not the lapp. While Nationwide has more coverage options, Geico pulls ahead in monetary value, quotes and claims processes, and reputation. All in all, we think Geico is the better overall supplier when choosing between Nationwide vs Geico.
| Coverage | nationally |
| Cost And Discounts | Geico |
| Quotes And Claims Processes | Geico |
| Ratings And Customer Reviews | Geico |
| Overall | Geico |
Keep in mind that your own car indemnity rates depend on a phone number of different factors, so it ’ south worth getting quotes from both companies and comparing coverage. If you are prioritizing coverage options, Nationwide might be the better supplier for you. Use the joyride below or call (844) 246-8209 to start comparing car indemnity quotes.
Top Auto Insurance Companies
It ’ sulfur always smart to compare quotes from multiple providers to be certain you ’ re choosing the caller with the best rates for car policy. Nationwide and Geico are potent options, but you should besides consider getting car policy quotes from USAA and Progressive.
USAA: Best For Military
Our research found that USAA cable car policy is the best choice for military members, veterans, and their immediate family members. If you qualify, you can customize your car policy policy to have standard coverage and add-ons like wayside aid and accident forgiveness. USAA offers competitive discounts, like up to 20 percentage off if you park your car on a military base and condom drive savings through the SafePilot® app. Learn more about the provider in our complete USAA car insurance follow-up.
Progressive: Best For High-Risk Drivers
After doing our homework, we think Progressive is the best supplier for bad drivers, like drivers in their 20s and those with a DUI on record. progressive customers can get standard coverage plus rental car reimbursement, customs parts and equipment rate, rideshare indemnity, and more. Some perks to being a progressive customer include access to capital technology like the Snapshot® broadcast. The app monitors condom driving habits to see if you qualify for discounts and never works against you to raise car indemnity rates. Read more about coverage in our wide Progressive car insurance review. To collect and compare quotes from providers available in your state, call (844) 246-8209 or use the cock below :
Methodology
In an effort to provide accurate and unbiased information to consumers, our adept review team collects data from dozens of car indemnity providers to formulate rankings of the best insurers. Companies receive a score in each of the pursue categories, ampere well as an overall weighted mark out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.
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