USAA vs Nationwide Primary Differences
While Nationwide and USAA offer similar products and services, they differ in a few key areas. The most significant difference is that USAA only works with current and former military members and their families. The other is that Nationwide doesn’t operate in every state, though it’s available in most.
USAA vs Nationwide Similarities
Outside of those small differences, the two companies are quite similar. Both offer a range of insurance, financial services, and other products, and customers of either company can receive additional benefits with their insurance policies, including discounts, reduced deductibles, and more.
Cost
Nationwide’s average annual prices are almost $400 more than USAA’s, keeping in mind that USAA significantly limits its customer base to military members. The only company to undercut USAA in the assessments was Progressive, which came in at roughly $60 less per year.
| Insurer | Average Annual Rates |
| Nationwide | $2,300 |
| USAA | $1,900 |
| Allstate | $2,200 |
Who USAA is Best For
USAA is best for military members, veterans, and their families. The add-on options, bonus features, and other benefits offered through USAA plans make them tailor-made to servicemembers, but that’s by design since no one else can be a customer.
Who Nationwide is Best For
Nationwide is best for non-servicemembers who want affordable homeowners coverage. The company’s broad discount programs and member benefits add a considerable amount of value, making it a great company for folks who aren’t eligible for USAA coverage.
USAA and Nationwide Alternatives
Other home insurance companies we’ve evaluated include:
