AAA vs Nationwide Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

AAA
85
What is this?

Insurify Composite Score

Nationwide
89
What is this?

Insurify Composite Score

AAA VS Nationwide
85
89
What is this?
User Ratings
OptionsAAA Nationwide
Rating/Reviews
411 reviews
3,848 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAAA Nationwide
Call Center RepresentativeThe restThe rest
Insurer WebsiteThe restAmong the best
Local AgentBetter than mostBetter than most
Overall SatisfactionAbout averageAbout average
Policy OfferingsAbout averageBetter than most
PricingAbout averageAbout average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAAA Nationwide
Claim ServicingAbout averageAbout average
Estimation ProcessThe restBetter than most
First Notice of Loss (FNOL)The restBetter than most
Overall SatisfactionAbout averageAbout average
Rental ExperienceAbout averageBetter than most
Repair ProcessBetter than mostBetter than most
SettlementAbout averageAbout average
J.D. Power Ratings by Region (out of 1000)
RegionAAA Nationwide
California840 pt
Better than most
796 pt
About average
Central833 pt
Better than most
803 pt
The rest
Florida--793 pt
The rest
Mid-Atlantic--823 pt
The rest
New England--817 pt
About average
New York--806 pt
The rest
North Central808 pt
The rest
815 pt
The rest
Northwest--782 pt
The rest
Southeast--823 pt
About average
Southwest--805 pt
The rest
Texas821 pt
About average
813 pt
The rest
Mobile App Ratings
RegionAAA Nationwide
Android
24,330 Reviews
1,829 Reviews
iOS
737 Reviews
40 Reviews
Financial Ratings
OptionsAAA Nationwide
A.M. BestAA+
Moody's--A1
Standard & Poor's--A+

Auto Insurance Quotes

For Married Drivers

CityAAA Nationwide
Austin--$73
Chicago--$184
Philadelphia--$87
Santa Monica--$96

For Single Drivers

CityAAA Nationwide
Austin--$99
Chicago--$183
Philadelphia--$96
Santa Monica--$231

For Male Drivers

CityAAA Nationwide
Austin--$84
Chicago--$185
Philadelphia--$90
Santa Monica--$215

For Female Drivers

CityAAA Nationwide
Austin--$88
Chicago--$182
Philadelphia--$93
Santa Monica--$112

For Drivers with Speeding Ticket

CityAAA Nationwide
Austin--$115
Chicago--$285
Philadelphia--$102
Santa Monica--$270

For Drivers with No Speeding Ticket

CityAAA Nationwide
Austin--$80
Chicago--$161
Philadelphia--$90
Santa Monica--$141

For Drivers Age Between 18-40

CityAAA Nationwide
Austin--$97
Chicago--$185
Philadelphia--$94
Santa Monica--$262

For Drivers Age Between 40-65

CityAAA Nationwide
Austin--$70
Chicago--$172
Philadelphia--$82
Santa Monica--$85

For Drivers Age of 65+

CityAAA Nationwide
Austin--$108
Chicago--$217
Philadelphia--$112
Santa Monica--$88

For Drivers with Average Credit

CityAAA Nationwide
Austin--$105
Chicago--$207
Philadelphia--$104
Santa Monica--$147

For Drivers with Fair Credit

CityAAA Nationwide
Austin--$87
Chicago--$185
Philadelphia--$91
Santa Monica--$117

For Drivers with Good Credit

CityAAA Nationwide
Austin--$70
Chicago--$197
Philadelphia--$90
Santa Monica--$106

For Drivers with Excellent Credit

CityAAA Nationwide
Austin--$83
Chicago--$144
Philadelphia--$80
Santa Monica--$285

Quotes & Discounts

Discount typeAAA Nationwide
Farm VehicleUp to 59%--
Student Away at SchoolUp to 30%--
teenSMARTUp to 24%--
Good DriverUp to 20%Up to 10%
Anti-Theft DeviceUp to 17%Up to 5%
Good StudentUp to 14.5%Up to 15%
Multiple VehicleUp to 12.5%Up to 20%
Multiple PolicyUp to 11.8%Up to 25%
Advance shopperUp to 10%--
Good CreditUp to 10%--
New CarUp to 10%--
Paid in fullUp to 7.8%--
Current insuranceUp to 5%--
LoyaltyUp to 5%--
Affinity groupVariesVaries
Anti-lock BrakeVaries--
Driving trainingVaries--
Home OwnerVaries--
Low MileageVaries--
Original OwnerVaries--
Accident Forgiveness--Varies
Accident Free--Varies
Defensive Driver--Up to 10%
Driving Habits--Varies
Family--Up to 25%
Farm Bureau--Up to 10%
Organization--Up to 10%
Paperless documents--Varies
Preferred payment--Varies
SmartRide--Up to 10%

Payment Methods

Discount typeAAA Nationwide
Automatic Online Payment
yesyes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yesyes
Mail Payment
--yes
Multi-Payment Installment Plans
--yes
Online Payment
yesyes
Person 2 Person Payment --yes
Phone Payment
--yes

Features and Services

Features and ServicesAAA Nationwide
24/7 serviceyes--
Enhanced towing & substitute coverageyes--
Mobile appyes--
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAAA Nationwide
Accident Forgiveness
yesyes
Accidental Death, Dismemberment, Disability
yes--
Antique or Collector Car Insurance
--yes
Electronic Key & Lock Replacement
yes--
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
yes--
First Aid Reimbursement
yes--
Gap Insurance
yesyes
Glass Coverage yes--
Mechanical Breakdown Insurance
yes--
New Car Replacement Coverage
yes--
Pet Coverage
yes--
Preferred Repair Services
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
yes--
Vanishing Deductible
--yes

Compare Insurance Products

ProductAAA Nationwide
Car InsuranceCar Insuranceyesyes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyesyes
Pet InsurancePet Insurance--yes

User Reviews

  • AAA Reviews
  • Nationwide Reviews
3.8
5 Stars
45 %
4 Stars
20 %
3 Stars
15 %
2 Stars
7 %
1 Star
13 %

Most Positive Review

By Danielle
Their customer service, things they offer, and their quality of service is all around amazing.

Most Critical Review

By Melanie
Terrible insurance service. Constantly canceling policy for no reason and it takes a long time to get it back despite consistent monthly payments.

All Reviews

Showing 1 - 10 out of 411 Reviews
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Read reviews that mention

Joshlynm
I am happy I switched to AAA i was with ACC but I am paying way less at AAA 95 for 2 cars unsure morturess and ACC was 140
Peter
Cheaper than Progressive
Susan
My agent,Jeremy was very helpful. However,I am heartbroken that I have to go insurance shopping again b/c AAA does not insure rideshare drivers!!! :(
Paul
No worries with aaa, but expensive
Sharon
Member for 63 years. Service is top notch!
kenneth
ALWAYS PAID CLAIMS AND GAVE GOOD SERVICE. LOCAL KIOSKS ARE GREAT.
Wendy
Customer service and the fact my rate went UP rather than lower!
Joan
I like them but to expensive
Valerie
Some of the Agents have been disrespectful towards me concerning the amount that I pay for full coverage. Been with AAA four years. I had to pay a fee when I switched from liability back to full coverage. Just not satisfied with how I have been treated.
Inkook
Showing 1 - 10 out of 411 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.