GEICO 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

GEICO
88
What is this?

Insurify Composite Score

Nationwide
89
What is this?

Insurify Composite Score

GEICO VS Nationwide
88
89
What is this?
User Ratings
OptionsGEICO Nationwide
Rating/Reviews
3,736 reviews
3,848 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsGEICO Nationwide
Call Center RepresentativeAbout averageThe rest
Insurer WebsiteAmong the bestAmong the best
Local AgentThe restBetter than most
Overall SatisfactionAbout averageAbout average
Policy OfferingsBetter than mostBetter than most
PricingBetter than mostAbout average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsGEICO Nationwide
Claim ServicingBetter than mostAbout average
Estimation ProcessBetter than mostBetter than most
First Notice of Loss (FNOL)Better than mostBetter than most
Overall SatisfactionBetter than mostAbout average
Rental ExperienceBetter than mostBetter than most
Repair ProcessAbout averageBetter than most
SettlementBetter than mostAbout average
J.D. Power Ratings by Region (out of 1000)
RegionGEICO Nationwide
California807 pt
About average
796 pt
About average
Central838 pt
Better than most
803 pt
The rest
Florida832 pt
Better than most
793 pt
The rest
Mid-Atlantic848 pt
Better than most
823 pt
The rest
New England827 pt
About average
817 pt
About average
New York813 pt
About average
806 pt
The rest
North Central830 pt
About average
815 pt
The rest
Northwest805 pt
About average
782 pt
The rest
Southeast839 pt
About average
823 pt
About average
Southwest798 pt
The rest
805 pt
The rest
Texas816 pt
The rest
813 pt
The rest
Mobile App Ratings
RegionGEICO Nationwide
Android
147,062 Reviews
1,829 Reviews
iOS
446,400 Reviews
40 Reviews
Financial Ratings
OptionsGEICO Nationwide
A.M. BestA++A+
FitchAA---
Moody'sAa3A1
Standard & Poor'sAA+A+

Auto Insurance Quotes

For Married Drivers

CityGEICO Nationwide
Austin$59$73
Chicago$67$184
Philadelphia$88$87
Phoenix$38--
Santa Monica$48$96

For Single Drivers

CityGEICO Nationwide
Austin$62$99
Chicago$68$183
Philadelphia$92$96
Phoenix$44--
Santa Monica$129$231

For Male Drivers

CityGEICO Nationwide
Austin$59$84
Chicago$71$185
Philadelphia$92$90
Phoenix$42--
Santa Monica$123$215

For Female Drivers

CityGEICO Nationwide
Austin$62$88
Chicago$64$182
Philadelphia$87$93
Phoenix$40--
Santa Monica$53$112

For Drivers with Speeding Ticket

CityGEICO Nationwide
Austin$74$115
Chicago$92$285
Philadelphia$128$102
Phoenix$64--
Santa Monica$141$270

For Drivers with No Speeding Ticket

CityGEICO Nationwide
Austin$58$80
Chicago$62$161
Philadelphia$84$90
Phoenix$36--
Santa Monica$77$141

For Drivers Age Between 18-40

CityGEICO Nationwide
Austin$63$97
Chicago$71$185
Philadelphia$98$94
Phoenix$45--
Santa Monica$149$262

For Drivers Age Between 40-65

CityGEICO Nationwide
Austin$54$70
Chicago$61$172
Philadelphia$79$82
Phoenix$35--
Santa Monica$40$85

For Drivers Age of 65+

CityGEICO Nationwide
Austin$75$108
Chicago$78$217
Philadelphia$99$112
Phoenix$48--
Santa Monica$41$88

For Drivers with Average Credit

CityGEICO Nationwide
Austin$68$105
Chicago$70$207
Philadelphia$94$104
Phoenix$43--
Santa Monica$76$147

For Drivers with Fair Credit

CityGEICO Nationwide
Austin$71$87
Chicago$74$185
Philadelphia$104$91
Phoenix$43--
Santa Monica$56$117

For Drivers with Good Credit

CityGEICO Nationwide
Austin$55$70
Chicago$66$197
Philadelphia$84$90
Phoenix$37--
Santa Monica$60$106

For Drivers with Excellent Credit

CityGEICO Nationwide
Austin$48$83
Chicago$60$144
Philadelphia$77$80
Phoenix$41--
Santa Monica$161$285

Quotes & Discounts

Discount typeGEICO Nationwide
Good DriverUp to 26%Up to 10%
Anti-Theft DeviceUp to 25%Up to 5%
Emergency DeploymentUp to 25%--
Federal EmployeeUp to 25%--
Passive RestraintUp to 25%--
Good StudentUp to 15%Up to 15%
MilitaryUp to 15%--
Seat Belt UseUp to 15%--
Anti-lock BrakeUp to 5%--
Daytime Running LightsUp to 3%--
Accident FreeVariesVaries
Defensive DriverVariesUp to 10%
Driving trainingVaries--
Multiple PolicyVariesUp to 25%
Multiple VehicleVariesUp to 20%
OrganizationVariesUp to 10%
Senior AdultVaries--
teenSMARTVaries--
Accident Forgiveness--Varies
Affinity group--Varies
Driving Habits--Varies
Family--Up to 25%
Farm Bureau--Up to 10%
Paperless documents--Varies
Preferred payment--Varies
SmartRide--Up to 10%

Payment Methods

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

Features and Services

Features and ServicesGEICO Nationwide
24/7 serviceyes--
Accident forgivenessyes--
Mobile appyes--
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes
Text and email alertsyes--

Optional Coverages

Optional CoveragesGEICO Nationwide
Accident Forgiveness
yesyes
Antique or Collector Car Insurance
--yes
Comprehensive Claim Forgiveness
yes--
Gap Insurance
--yes
Incident Forgiveness
yes--
Mechanical Breakdown Insurance
yes--
No Fault Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
yes--
Vanishing Deductible
--yes

Uber and Lyft driver insurance

  • GEICO
  • Nationwide
  • Both

SR‌-22 Insurance by State

  • GEICO
  • Nationwide
  • Both

Compare Insurance Products

ProductGEICO Nationwide
ATV InsuranceATV Insuranceyes--
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyes--
Business InsuranceBusiness Insuranceyes--
Classic Car InsuranceClassic Car Insuranceyes--
Condo InsuranceCondo Insuranceyes--
Dwelling Fire InsuranceDwelling Fire Insuranceyes--
Flood InsuranceFlood Insuranceyes--
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insuranceyes--
Jewelry InsuranceJewelry Insuranceyes--
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insuranceyes--
Motorcycle InsuranceMotorcycle Insuranceyes--
Pet InsurancePet Insuranceyesyes
Renters InsuranceRenters Insuranceyes--
Ridesharing InsuranceRidesharing Insuranceyes--
RV InsuranceRV Insuranceyes--
Travel InsuranceTravel Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyes--

User Reviews

  • GEICO Reviews
  • Nationwide Reviews
3.2
5 Stars
32 %
4 Stars
17 %
3 Stars
16 %
2 Stars
10 %
1 Star
25 %

Most Helpful Review

By Jacquelyne Hoy
My insurance premium was increased by $200 monthly. Contacted Geigo to inform them that we could not afford the increase as only my spouse is working. The first agent I spoke to said that my payment would revert back to what it was but never did. The second agent I spoke to told me the only way to reduce the premium is to decrease my coverage which I did, but the premium never decreased. I called and spoke to a 3rd agent after they deducted the first installment which put a big dent in our household budget. The 3rd agent told me that although I rejected the uninsured motor coverage last time, I was charged again for it this time because, I needed to elect to reject it again when they renewed my insurance and if the agents I spoke to earlier had done a little digging, they could have resolved the issue successfully. I signed the required document online to reject the uninsured auto insurance and was supposed to be reimbursed $200 for the payment they debited from my account. Yet, Geigo has scheduled to deduct the high premium from my account for the October payment. I tried to postponed the payment to have time to get the matter resolved but I could not as Geico is now saying that I owe them $200, I have been a customer of Geico for over 20 years, the last thing I expected is to get more stress and anxiety from the company during such a difficult period for our family.

Latest Review

By Jacquelyne Hoy
My insurance premium was increased by $200 monthly. Contacted Geigo to inform them that we could not afford the increase as only my spouse is working. The first agent I spoke to said that my payment would revert back to what it was but never did. The second agent I spoke to told me the only way to reduce the premium is to decrease my coverage which I did, but the premium never decreased. I called and spoke to a 3rd agent after they deducted the first installment which put a big dent in our household budget. The 3rd agent told me that although I rejected the uninsured motor coverage last time, I was charged again for it this time because, I needed to elect to reject it again when they renewed my insurance and if the agents I spoke to earlier had done a little digging, they could have resolved the issue successfully. I signed the required document online to reject the uninsured auto insurance and was supposed to be reimbursed $200 for the payment they debited from my account. Yet, Geigo has scheduled to deduct the high premium from my account for the October payment. I tried to postponed the payment to have time to get the matter resolved but I could not as Geico is now saying that I owe them $200, I have been a customer of Geico for over 20 years, the last thing I expected is to get more stress and anxiety from the company during such a difficult period for our family.

All Reviews

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Read reviews that mention

Jacquelyne Hoy
My insurance premium was increased by $200 monthly. Contacted Geigo to inform them that we could not afford the increase as only my spouse is working. The first agent I spoke to said that my payment would revert back to what it was but never did. The second agent I spoke to told me the only way to reduce the premium is to decrease my coverage which I did, but the premium never decreased. I called and spoke to a 3rd agent after they deducted the first installment which put a big dent in our household budget. The 3rd agent told me that although I rejected the uninsured motor coverage last time, I was charged again for it this time because, I needed to elect to reject it again when they renewed my insurance and if the agents I spoke to earlier had done a little digging, they could have resolved the issue successfully. I signed the required document online to reject the uninsured auto insurance and was supposed to be reimbursed $200 for the payment they debited from my account. Yet, Geigo has scheduled to deduct the high premium from my account for the October payment. I tried to postponed the payment to have time to get the matter resolved but I could not as Geico is now saying that I owe them $200, I have been a customer of Geico for over 20 years, the last thing I expected is to get more stress and anxiety from the company during such a difficult period for our family.
mister
the worst company ever, they insure you for 6 months at a time then when its time to "renew" they start increasing your rates with no explanation, they give you a speech about if anything happens you want to be covered right" lol they are thief's , not worth it, I suggest any other company besides geico!! raise your rate with no reason then they read some lame excuses LOL what a joke!!
Alexi ojitom
Yes
Micah Zimmerman
A Geico insured motorist hit my parked car. Of course they are 100% responsible for repairing. The adjuster (Brandon Seiber) skinnied down the estimate for repair such that my car was not fixed properly AND it cost me money with the body shop. The body shop said Geico is the only insurance company this happens with and they do it to their own insured. If you have Geico, you might want to think about truly how well covered you are. Micah Zimmerman 513/476-6466
Tricia
They're awesome
Alice
Geico doesn't reward loyalty
Christina
They gave me a great discount
Dayna
Always could be less?
Nin
Very expensive. Root insurance companies charge only 80 and geico charge me over 240
Jason
Showing 1 - 10 out of 1000 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.