AAA vs. Nationwide Car Insurance [2022]

AAA and Nationwide are reputable car insurance companies in the US. Nationwide is younger but has slightly better customer service rankings than AAA.

UPDATED: Oct 20, 2022Fact Checked

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Oct 20, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • AAA is an established, reputable member club with many benefits
  • Nationwide is a younger company that is rapidly growing
  • AAA and Nationwide offer various discounts to their clients

Are you considering AAA or Nationwide for car insurance? It’s a good idea to first learn some facts and company ratings so you can make an informed decision. While AAA was previously best known for their lockout services and other roadside services, they have expanded into auto repair and insurance in North America.

Read through this Nationwide and AAA comparison and then use the free tool on this page to compare car insurance rates from many different companies in your area!

Where did AAA come from?

The AAA member club used to be called the American Automobile Association. AAA was created in March of 1900 to lobby for roads to be fixed and built. Its purpose was to make driving safer across the US. In 1909, AAA published its first US road maps.

Since its humble beginnings, AAA has become synonymous with roadside service whether you need a battery or a new tire. Depending on which plan you choose, you can find more than one unique membership benefit that may appeal to you and your family.

AAA started in Chicago, Illinois with about 1,000 original members. The organization now has 50 million members in North America.

Its road services include travel guides, emergency automobile assistance, and maps for the states in the U.S.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

What insurance products does AAA offer?

AAA is different from any other insurer because its automobile insurance is exclusively provided through its 69 clubs that are located in state regions across the U.S. It’s common for other insurers to encourage customers to go to approved auto repair shops for discounts or a guarantee on the work. But because of its origins, AAA works a little differently.

AAA’s automobile insurance is called the Automobile Club Group or ACG. ACG insurance products include:

  • Automobile
  • Life
  • Travel
  • Homeowners
  • Dental
  • Medical

What discounts does AAA insurance offer?

You can receive a discount on your premium if you buy your life, automobile, and homeowners insurance from AAA. Like other insurance companies, AAA offers a range of discounts based on your car, driving record, and other factors. The exact list of discounts you may be eligible for will vary based on the driver.

Members are also given a discount on their deductible in an automobile collision when the other driver is also an AAA member.

How does AAA insurance rate in customer satisfaction?

J.D. Power & Associates conducted a 2015 National Homeowners Insurance Survey on the major insurance companies. The survey ranked companies on a scale of 1, meaning less than the rest of the companies, to as high as 5, meaning being among the best.

Here are the results:

  1. Policy Offerings – 3
  2. Pricing – 3
  3. Billing and Payment – 3
  4. Contacting the Insurer – 2
  5. Claims – 2
  6. Customer overall experience – 3

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

What should you know about Nationwide insurance?

Nationwide started out in December of 1925 in Columbus, Ohio and became a public corporation over 72 years later in 1997. It was initially named the Farm Bureau Mutual Automobile Insurance Company.

Nationwide insurance company is the 6th biggest auto insurer according to its recorded premiums. They offer standard auto insurance with roadside assistance options at a low cost. Unlike AAA, they do not have a set network of clubs to service their members. They instead pay the mechanics and other professionals you go to at the time of service.

Their insurance products and financial services include:

  • Homeowners
  • Automobile
  • Renters
  • Life
  • Motorcycle
  • Farm
  • Banking
  • Mortgage loans

What discounts does Nationwide offer?

You can receive a discount on your homeowners and car insurance if they are both covered by Nationwide.

Also, you can get as much as 20% off your premiums if all the cars you own are insured by Nationwide.

More discounts are offered when you remain free of accidents for 5 years and if your teenage child maintains a B average grade in school. Their roadside service can provide tow truck services, mobile battery service, and more at a relatively affordable rate for just a few dollars per renewal period for most customers. If you look for safe driving, safety features, and other opportunities to save, Nationwide could be much cheaper than you think.

What do customers think of Nationwide Insurance?

Nationwide was also reviewed in the “2009 National Homeowners Study” conducted by J. D. Power & Associates.

Here are the ratings:

  1. Policy Offerings – 3
  2. Pricing – 3
  3. Billing and Payment – 3
  4. Contacting the Insurer – 3
  5. Claims – 3
  6. Customer overall experience – 3

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

Should you choose Nationwide or AAA car insurance?

When deciding between AAA or Nationwide, remember that there are many different companies to compare. If you have a particular mechanic or body shop you use, you may want to be sure they offer approved auto repair for certain insurance companies. In general, it’s best to get quotes and compare insurance services that way. You may be surprised at how much you can save just by comparing quotes.

Enter your zip code for your FREE car insurance comparison today!

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

stage