Nationwide vs. Trexis: Which Company is the Best Fit for You?

Looking for car insurance and wondering if Nationwide or Trexis is the right carrier for you? If so, you're probably wondering which company has the lowest prices or the biggest discounts. Luckily, we've done the heavy lifting for you and compared the two companies to help you find the best deal on your next car insurance policy.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for auto insurance, Nationwide offers significantly less expensive rates than Trexis
  • Nationwide may help you save more money -- they offer more discounts than Trexis Insurance
  • Trexis tends to be a much more affordable option for drivers with a DUI


Nationwide or Trexis: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering big savings, you're probably wondering exactly how much you might be able to save.

You might be considering Nationwide or Trexis as potential options, but which company will offer you cheaper premiums?

Nationwide Trexis
$170$220

As you can see, Trexis is around $50 more a month than Nationwide when looking at the national average rates for car insurance.

However, that doesn't necessarily mean Nationwide will be the less expensive option for every driver. Auto insurance carriers vary their rates depending on things like where you live, how good your credit score is, how clean your driving record is, how old you are, and a variety of other factors, so premiums will differ quite a bit from person to person.

Luckily, we've broken down average prices from both Nationwide and Trexis by a range of different rate factors, so read on to find out which carrier is the best for you.

Nationwide vs. Trexis: Average Car Insurance Rates by State

State Nationwide Trexis
AL$142$304
AR$186$136

Nationwide and Trexis only compete against each other in two states, with Nationwide offering cheaper premiums to the average driver in all of them. If you live in Alabama, Nationwide is the more affordable of the two companies when looking at the overall average rates. Trexis is the cheaper option in Arkansas.

There's a lot more that goes into your insurance cost than just where you live. Read on to find out more.


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Which is the Best Company For Young Drivers?

Nationwide Trexis
18-year-old drivers$380$501
25-year-old drivers$148$185

Young drivers -- especially teens -- normally pay a lot for auto insurance compared to older drivers. The reason is that teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of over 25% less per month by choosing Nationwide over Trexis. It's worth noting that Nationwide offers car insurance in 34 different states compared to Trexis's two, which can skew the average rates a bit, but the difference here is still considerable.

But with both carriers, you'll see your premiums lower significantly once you turn 25. For example, average prices for Nationwide policyholders reduce about $250 and Trexis's premiums decrease around $300 over that time.

Which is the Best Company for Retired Drivers?

Nationwide Trexis
65+-year-old drivers$125$171

Once you approach retirement age, you'll usually enjoy the cheapest insurance rates you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for car insurance.

So, which company offers the best rates to retired drivers? Nationwide gets the edge here, with average premiums coming in at about $125 per month compared to Trexis's $171.

Which is the Best Company for Married Drivers?

Nationwide Trexis
Single$201$263
Married$129$162

You may not be aware, but auto insurance prices tend to be more affordable for married policyholders than they are for single drivers. That's generally because married drivers tend to own and insure multiple vehicles, which can often earn you a discount.

For those who are single, the difference in average rates between these two companies is significant, with Nationwide premiums coming in at a quarter less than Trexis's. For married couples, the advantage is clear again - Nationwide has the edge when it comes to average prices.

Nationwide or Trexis: Average Rates by Gender

Nationwide Trexis
Male$176$230
Female$164$210

Did you know women tend to pay less for insurance than men? That's because men are more likely to get into collisions and get tickets, which raises the chances of filing a claim with insurance.

Men typically pay more than $10 a month more than women with Nationwide, but with Trexis, the difference is closer to $20 per month.

Looking at the data for each carrier specifically, Nationwide offers the most affordable average rates for both men and women, with average prices $54 less for men and $46 cheaper for women.


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Nationwide vs. Trexis: Compare State Minimum vs. Full Coverage Rates

Nationwide Trexis
State Minimum*$112$108
Full Coverage**$229$333

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, auto insurance can be pretty complicated. Everyone needs car insurance, but there are so many different limits and terms that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers and passengers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability coverage).

When it comes to state minimum liability limits, Trexis has the edge, while Nationwide offers the cheapest average premiums for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $4 with Trexis Insurance, while full coverage comes out to be around $100 less expensive with Nationwide.

Is Nationwide or Trexis Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with at-fault collisions and speeding tickets on your record, but which of these two carriers offers the lowest prices to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Nationwide Trexis
Clean Record$125$182
1 Speeding Ticket$149$225

Drivers who use Nationwide for their car insurance can normally expect their monthly bill to go up about 16% after getting a speeding ticket. Trexis policyholders can expect a bit more drastic of an increase of around 19%.

Even so, Nationwide is typically the more affordable option for both drivers who have clean records and those with a recent ticket. With Nationwide, drivers with a clean record can save about $57 a month and drivers with a speeding ticket can save around $76 per month.

Which Company is Best for Drivers After an Accident?

Nationwide Trexis
Clean Record$125$182
1 At-Fault Accident$178$247

Nationwide policyholders who get in an accident can expect to see their premiums increase by just under $55, while those who have insurance through Trexis will see about a $65 increase.

At the end of the day, the cheaper rates come from Nationwide, with average prices coming in at $178 compared to Trexis Insurance's $247.

Which Company is Best for Drivers with a DUI?

Nationwide Trexis
Clean Record$125$182
1 DUI$230$226

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- generally a lot more than a collision or ticket. For example, Nationwide increases average premiums by more than $100 a month -- that's more than a 45% increase.

Trexis has the overall most affordable rates for drivers with a DUI on their records at $226 a month, but it's worth noting that Nationwide's average rates come from 34 states compared to just two for Trexis, so the data may be skewed slightly.


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How does Credit Score Impact Nationwide and Trexis Rates?

In many cases, your credit score can come into play when companies determine your monthly bill. This isn't true for everyone (California, for example, has banned the use of credit score as an insurance factor) but it does affect a lot of drivers out there.

Insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

Looking specifically at Nationwide and Trexis, which carrier has the cheapest prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Nationwide Trexis
Excellent Credit Score$133$195
Good Credit Score$153$216

If you have a great credit score, Nationwide will usually reward you the most. For policyholders with "excellent" credit scores, Nationwide comes in over 31.79 less expensive. Drivers with "good" credit scores generally save around 29% with Nationwide compared to average rates from Trexis.

Which Company is Best for Drivers with Bad Credit?

Nationwide Trexis
Fair Credit Score$179$221
Poor Credit Score$215$249

Nationwide typically offers lower premiums than Trexis when it comes to drivers with bad credit. Drivers with "fair" credit pay about 19% per month less with Nationwide compared to Trexis, and those with "poor" scores typically save an average of around 14% monthly.


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Is Nationwide or Trexis Better for Drivers who Work from Home or Have Short Commutes?

Nationwide Trexis
6,000 Annual Miles$170$220
12,000 Annual Miles$171$220

The amount of time you spend behind the wheel of your car plays a big role in your monthly car insurance payment. That's because the fewer miles you drive, the less likely you are to be in an accident and file an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Trexis charges. However, there's a small difference in monthly rates for Nationwide, with drivers who put 6,000 miles on their vehicle every year paying about $1 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Nationwide is the cheaper company.

Nationwide or Trexis: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a considerable impact on your monthly auto insurance bill. Normally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because of the number of cars that are on the roads where they live.

Nationwide Trexis
Urban Areas$199$270
Suburban Areas$159$223
Rural Areas$151$167

When comparing these two companies side-by-side, Nationwide usually comes out as the lowest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save around 10% with Nationwide compared to Trexis. People who live in suburban areas pay about 29% less with Nationwide compared to Trexis. For drivers in urban ZIP codes, Nationwide's average premiums are around 26% less than Trexis Insurance.

Nationwide vs. Trexis Discounts

You want to save as much money as you can, right? The best way to do that is by utilizing as many insurance discounts as possible.

But with what seems like a million different discounts out there, it can be challenging to find all the ones you're eligible for or to nail down the carrier that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Nationwide and Trexis so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Nationwide Trexis
Advance Quote Discount
Agency Transfer Discount
Anti-Theft Discount 
Defensive Driver Discount
Distant Student Discount 
Driver Training Discount
Education Discount 
EFT Discount
Employee Discount 
Good Driving Discount 
Good Student Discount
Group Discount
Homeowner Discount
Intra-Agency Transfer Discount 
Life Policy Discount
Multi-Car Discount 
Multi-Policy Discount
New Vehicle Discount 
Non-Owner Discount 
Paid In Full Discount 

Nationwide knocks Trexis out of the park when it comes to the sheer number of discounts available, offering six more discounts than Trexis.

A couple of those are overlapping for things like agency transfer discounts, discounts for getting driver training, EFT discounts, and discounts for being a homeowner. Nationwide also offers discounts for anti-theft, distant student, employee discount, and more.

On the other hand, Trexis has a few proprietary discounts of their own for things like education discounts, multi-car discounts, non-owner discounts, and more.


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Final Thoughts: Is Nationwide or Trexis Best for You?

You've seen the effect certain variables have on your car insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which company is the right company for you and your specific needs?

Nationwide might be best for you if....

  • You have a speeding ticket on your driving record.
  • You already have a great credit score.
  • You and your spouse are buying insurance together.


Trexis might be best for you if...

  • You're looking for the best rates in AL and AR.
  • Your driving record includes a DUI charge.
  • You're looking for the best prices on liability only coverage.

Hopefully, this guide helps you get a better idea of the difference between Nationwide and Trexis. We also hope we've given you the information you need to make the best decision when it comes to your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from several companies, not just Nationwide and Trexis. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best auto insurance carriers in your area, all in just a few minutes.


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Nationwide vs. Trexis FAQs

Is Nationwide or Trexis cheaper?

Nationwide is the more affordable of the two companies when looking at national average premiums, with policies averaging $170 a month with Nationwide and $220 for Trexis. That being said, that doesn't mean Nationwide will be the most affordable carrier for every policyholder, since there are many different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Nationwide or Trexis?

Unfortunately, the only answer we can give you is "it depends.". No single company is "better" for everyone -- it all depends on the makeup of your unique car insurance profile. For example, Nationwide is less expensive for drivers with excellent credit, while Trexis offers more affordable rates for drivers with a recent DUI.

Why do Nationwide and Trexis offer me different rates?

Insurance carriers use lots of different variables when determining the prices they charge. Factors like where your home is, gender, where you park your vehicle, age, and sometimes even things like your credit score can all come into play. Both Nationwide and Trexis calculate rates using different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from multiple different companies.

How do I know if Nationwide or Trexis is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best carrier for you isn't Nationwide or Trexis at all, but another you hadn't even thought of!


Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.

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