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South_agency/Getty Images April 28, 2022 June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies. Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand. Bankrate logo The Bankrate promise
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure. Bankrate logo The Bankrate promise
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first. Bankrate logo Editorial integrity
Bankrate follows a strict , so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. Editorial Independence
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Bankrate logo How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Bankrate logo Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Nationwide and AAA are two of the top car insurance companies by market share in the United States. At a first glance, it can be hard to know which is best for your needs, budget and lifestyle. To help you decide, Bankrate compares each company based on average rate information pulled from Quadrant Information Services, discounts, J.D. Power customer service ratings and more to help you see which car insurance company might be most suitable for you. Compare rates and save on auto insurance today! Get quotes Close X RatesRates keep going up in 2022. Compare rates and save on auto insurance today! Get quotes Close X This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More RATE INCREASE ALERT Rates increased up to 12% this year
Shop for a better rate before you renew your current policy. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More Read our full reviews: Learn more about Learn more about Nationwide vs AAA Car insurance rates comparison
Nationwide and AAA vary significantly in terms of their third-party reviews. Nationwide has stronger ratings overall and has much lower premiums on average than AAA. The table below includes a more detailed breakdown of third-party ratings and average premiums for Nationwide vs. AAA. We include scores from AM Best for financial strength, J.D. Power for auto claims customer satisfaction, and our proprietary out of 5.0 points, based on performance across these key factors. The higher a company’s Bankrate Score, the better it performs across these various categories. Car insurance company Bankrate Score AM Best Average annual premium for minimum coverage Average annual premium for full coverage Nationwide 4.3 A+ 876/1,000 $549 $1,383 AAA 3.8 A- 868/1,000 $641 $2,389 Rates by credit score
When you apply for a car insurance policy, insurance companies may run your credit and use your score to determine your rate. The use of credit depends on the specific provider and your state, as in Hawaii, California and Massachusetts are not legally allowed to consider your credit when calculating your rate. In Michigan, insurers are not allowed to use your credit score, but can use factors that contribute to your credit score such as missed or late payments. The following table highlights national average car insurance premiums for Nationwide vs. AAA for drivers based on credit tier. Car insurance company Poor Average Good Excellent Nationwide $1,928 $1,534 $1,383 $1,218 AAA $5,191 $2,638 $2,389 $2,013 Rates by life stage
Various life changes can impact your car insurance policy. Car insurance companies have different ratings for single and married individuals, as well as new and being added to their parents’ policies. The table below shows the average full coverage premiums from AAA vs. Nationwide drivers that are single, married and adding a young driver to their policy. Car insurance company Single Married Married with a 16-year-old driver Nationwide $1,383 $1,343 $2,215 AAA $2,389 $2,242 $5,028 Rates by driving record
If you have negative marks on your driving record, like a speeding ticket, accident or DUI conviction, you could face a higher car insurance rate due to being a . When comparing Nationwide vs. AAA, our sample rates indicate that AAA is a more expensive option on average for drivers with a history of violations. Below are the average rates from each company based on driving record. Car insurance company Clean driving record Speeding ticket Accident DUI conviction Nationwide $1,383 $1,635 $1,802 $2,557 AAA $2,389 $2,912 $3,453 $5,146 Nationwide vs AAA Discounts
Nationwide and AAA both offer that could help policyholders get a lower rate. However, each company offers different savings opportunities. Here are how some of the discounts available differ from Nationwide vs. AAA: Nationwide
SmartRide discount: Drivers who sign up for safe driver discount program could save up to 10% when they enroll and up to 40% for practicing safe driving habits. Multi-policy discount: Bundling your home and auto insurance with the same carrier often results in savings on both policies. SmartMiles discount: Through Nationwide’s SmartMiles program, infrequent drivers may get a lower premium based on the number of miles they drive each year. AAA
AAA member discount: You may qualify for a discounted car insurance premium if you have an active AAA membership, Advanced shopping discount: Drivers who may get a discount from AAA if they get a quote more than seven days before the policy’s start date. Good student discount: Students in high school and college could earn a lower car insurance rate if they maintain a set minimum GPA in school. Nationwide vs AAA Online and mobile experience comparison
Nationwide and AAA both have solid online experiences, according to our research and third-party customer reviews. In particular, Nationwide offers a variety of online tools, resources and articles, which can be helpful for first-time auto insurance buyers. Because AAA has a different website for each state or region, the online experiences are not uniform and some states may have a smoother online experience than others. Additionally, Nationwide and AAA offer free mobile apps for policyholders. Overall, we found that Nationwide has a more useful app for insurance purposes as AAA’s app does not include any insurance-related features. Below is a comparison of the AAA and Nationwide mobile apps: Nationwide
(4.4): Through Nationwide’s iOS app, users can download their ID cards, file a claim, track the status of an existing claim, request roadside assistance, find vehicle repair shops in their area and get connected to customer service. (4.2): Nationwide’s Android app has all the same features that are found in the iOS app. However, the Android app has a lower rating, with some users complaining about bugs and issues logging in. AAA
(4.4): AAA’s iOS app has good ratings, but there are no insurance-related features. Users are not able to view policy information, file a claim or get ID cards. However, the app does have some good features, including the ability to , search for hotels and gas stations nearby and reserve a rental car. (4.3): If you own an Android device, you can download the AAA app and get the same features as the iOS app. The app has good reviews overall, but some users have said that the app is slow to load, while others have cited issues when requesting roadside assistance services. Frequently asked questions
What is the best car insurance company
The is different for every driver. It may depend on your budget, which ZIP code you live in, what discounts you qualify for, what coverage you need and the vehicle you drive. Researching more than one insurance carrier will help you understand which might be the best for you.
How much does car insurance cost
The in the United States is $1,771 per year for a full coverage policy. However, auto insurance rates are different for every driver. Factors like your driving and claims history typically impact the price. Requesting car insurance quotes from more than one carrier will help you understand what a competitive rate might be for your insurance policy.
Where is car insurance required
Car insurance is a legal requirement in most states. The only states that do not require traditional car insurance are New Hampshire and Virginia. However, drivers in these states typically have to file some proof of financial responsibility to demonstrate their ability to pay for damages in the event of an . In general, drivers are required to have some amount of bodily injury and property damage liability, but this only insures the other party in the event of an at-fault accident. To protect your vehicle, you may want to consider including collision and comprehensive coverage as well as medical payments for yourself and any passengers in your vehicle. If you are unsure how much car insurance is right for you, speak with a licensed agent. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes. Credit: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base), and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining auto insurance rates: CA, HI, MA Age: Rates were calculated by evaluating a 16-year-old male or female driver and their married parents on a full coverage car insurance policy. Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction (BAC of >= .08) and lapse in coverage. Bankrate Score
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support. To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from , , , , and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider. While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores. SHARE: June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies. Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand. Related Articles