Nationwide provides a whole slew of different types of insurance policies, including auto insurance, life insurance, homeowners insurance, and even specialty products like wedding insurance.
Who Benefits Most and Least from Nationwide Insurance?
- People looking for a one-stop-shop for many different types of insurance
- Customers who are more comfortable with a larger, established insurance company
- Drivers who want to take advantage of special programs, such as accident forgiveness and telematics
- Customers with low credit scores
Not the Best For…
- Customers with clean driving records and good credit scores who want the lowest possible rates
- Drivers looking for the best customer service in the industry
Nationwide: Is it really on your side?
Nationwide’s famous jingle claiming that “Nationwide is on your side” implies that the company puts customer service above all else. However, its rankings in various insurance customer service surveys don’t bear that out.
Nationwide tends to land smack in the middle of the pack based on its ratings. In short, while the company doesn’t have bad customer service, it doesn’t provide exceptional service, either. On the other hand, Nationwide provides some nice perks for its customers. It offers not just the now-standard mobile app and full-service website, but also a network of preapproved repair facilities that warranty repairs and a “vanishing deductible” that reduces your auto insurance deductible by $100 for each year you don’t have an accident (up to a maximum of $500 off).
Nationwide Car Insurance Ratings
Insurify gives Nationwide an Insurify Composite Score of 84/100. This score is the result of analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys; mobile app reviews; and user-generated company reviews.
U.S. Auto Insurance Shopping Study (2018)
|Overall Satisfaction||About average|
|Call Center Representative||The rest|
|Local Agent||Better than most|
|Policy Offerings||Better than most|
|Insurer Website||Among the best|
U.S. Auto Insurance Claims Satisfaction Study (2018)
|Overall Satisfaction||About average|
|First Notice of Loss (FNOL)||Better than most|
|Claim Servicing||About average|
|Repair Process||Better than most|
|Rental Experience||Better than most|
|Estimation Process||Better than most|
J.D. Power Ratings by Region (out of 1,000)
|North Central||815||The rest|
|New York||806||The rest|
|New England||817||About average|
|Standard & Poor's||A+|
Nationwide Car Insurance Quotes and Discounts
You might think shopping for insurance means buying the cheapest option you can find. But if you’re not checking for discounts, you might not be saving as much as you think. Pick a policy with lots of available discounts, and a seemingly costly premium could end up being the best deal of the bunch.
Make sure you use Insurify when shopping for your car insurance policy—it makes sure you’re aware of any discounts for which you’re eligible and lets you compare quotes between several insurance companies at once!
Auto Insurance Quotes Comparison: Nationwide vs. GEICO, Progressive, Liberty Mutual, and Farmers
Insurify’s data team compared Nationwide’s car insurance quotes to those of its competitors. Below are the quotes for a 30-year-old female driver from Houston, Texas who drives a 2005 Honda Civic and has a clean driving record:
The team then compared quotes for the same driver if she had one speeding ticket on her record:
Finally, the team assessed how much each company would penalize this driver for having one at-fault accident on her driving record:
For this driver profile, Progressive seems to be the best bet, judging strictly by price. But Nationwide offers rates that are more or less competitive to other industry behemoths like GEICO and Liberty Mutual.
However, you never know which insurance company could give you the best deal for the best price! This is why you should always compare auto insurance quotes online by using comparison websites like Insurify.
Drivers Can SAVE with these Discounts from Nationwide
Nationwide offers the following discounts for qualifying policyholders:
|Preferred payment discount||Up to 30%|
|Multiple policy discount||Up to 25%|
|Family discount||Up to 25%|
|Multiple vehicle discount||Up to 20%|
|Good student discount||Up to 15%|
|Farm Bureau discount||Up to 10%|
|Organization discount||Up to 10%|
|Good driver discount||Up to 10%|
|Defensive driver discount||Up to 10%|
|Anti-theft device discount||Up to 5%|
Other discounts available from Nationwide, at varying rates, include the accident-free discount, paperless discount, preferred payment discount, driving habits discount, and affinity group discount.
States Where Nationwide Car Insurance is Offered
Nationwide auto insurance is available in all 50 states.
Insurance minimums and coverage vary in every state, so you should look up the specific Nationwide policies offered in your area. Click below to learn more about how to save on car insurance in your state of residence.
Click here to find the cheapest car insurance quotes in your state.
Nationwide Auto Insurance Coverages
Nationwide offers policyholders the following types of insurance as part of their “standard” car insurance coverage.
Nationwide offers customers both property damage liability and bodily injury liability, which are mandatory in most states. These cover you if you’re at fault in a car accident and need to pay for medical bills and property damage sustained by the other driver. So if you were at fault in a car accident with another vehicle, Nationwide would pay for the damages to that other car. If you were to crash into someone’s fence or mailbox, Nationwide would pay for that, too.
Comprehensive and collision coverage
These types of car insurance coverage pay for damage to your vehicle, whether the damage is your fault or someone else’s. Collision coverage pays for damage that occurs when your vehicle hits something else (be it another car or something like a tree). Comprehensive coverage is for any covered loss that’s not the result of a collision: for example, if your vehicle is stolen or vandalized.
Uninsured and underinsured motorist coverage
What happens if you’re in an accident that’s someone else’s fault, but that person doesn’t have enough insurance coverage to pay for your vehicle repairs or medical expenses? In that case, Nationwide’s uninsured or underinsured motorist coverage can help. If you’re the victim of a hit-and-run or are hit by someone who doesn’t have insurance, uninsured motorist bodily injury and uninsured motorist property damage coverage would apply. Underinsured motorist coverage, not surprisingly, is for accidents where the at-fault driver has some insurance coverage, but not enough to pay for all the expenses.
Medical payments coverage
If you’re involved in an accident, Nationwide’s medical payments coverage will help pay your medical expenses, legal fees, and any emotional distress the accident caused you. Medical payments coverage is not intended as a replacement for health insurance, but it can complement your existing health insurance coverage. If you missed a couple of days’ work because you were recovering from the accident, Nationwide would compensate you for those lost wages. It will also cover bereavement costs—costs associated with losing a loved one if the accident was fatal.
Personal Injury Protection
Nationwide offers Personal Injury Protection (PIP) coverage as your state requires. If you’re a resident of a no-fault accident state, you’re required to have either medical payments coverage or PIP coverage. PIP covers your medical payments in the long-term aftermath of your accident, not just the immediate aftermath. This means if you or your family members sustained injuries that require regular hospital visits and rehabilitation, PIP would cover those costs. PIP tends to cover more expenses than medical payments coverage does, but unlike medical payments coverage, you’ll have a deductible to meet. Check to make sure you’re comfortable with the level of PIP coverage before purchasing your insurance policy.
The following are optional coverages that are available as add-ons to a standard Nationwide car insurance policy:
Towing and Labor Coverage / Roadside Assistance
Nationwide offers both towing and labor coverage and a full-scale 24/7 roadside assistance package, which replaces the basic towing and labor coverage. If you opt for the latter, Nationwide provides you with 24-hour roadside assistance if you’re stranded on the road because you ran out of fuel, locked your keys in the car, need your tire changed, need your battery revived, or need your vehicle towed to another place. Nationwide customers can purchase either the “basic” or “plus” roadside assistance plan; the Plus plan includes more towing miles and trip interruption coverage. Call 1 (800) 421-3535 to reach Nationwide’s roadside assistance.
Rental Car Reimbursement
Nationwide will reimburse you for the cost of renting a car if you’re in an accident and your vehicle is undergoing repairs. But of course, it will only cover the costs if your policy covered the original accident.
When you buy a new vehicle, its value drops as soon as you drive it off the dealership lot. That means you could end up owing more on your car loan than the car is worth…and if you total the car in an accident under those circumstances, you may end up owing the lender more than you get back from your auto insurance company. That’s where gap coverage can come in handy. If your vehicle is totaled, gap coverage pays you the difference between how much your car is worth and how much you owe on the lease or loan.
Other Special Auto Coverages Offered by Nationwide Insurance
Nationwide lets you purchase accident forgiveness as an add-on to your insurance coverage. If you buy this coverage, your premium price won’t increase after your first at-fault accident, as it typically does if you get into an accident. Accident Forgiveness can apply for any driver on your policy, but can only be used once per policy.
If you purchase Nationwide’s optional Vanishing Deductible coverage, you’ll get a special reward for being a good driver. For every year that you go without an accident, your deductible is lowered by $100 (up to a maximum total discount of $500). If you do get in an accident, the Vanishing Deductible discount is reset to $100.
Nationwide’s SmartRide program requires you to insert a telematics device in your car that can track certain driving behaviors. These include how quickly you accelerate, how hard you brake, and how many miles you drive on average. Safe drivers, as determined by the device, will then be eligible for cheaper auto insurance policies. You’ll get a 10 percent discount on your insurance rates just for signing up for the SmartRide program. The discount could rise as high as 40 percent, depending on how safely you drive according to the tracking device.
Other Insurance Products Offered by Nationwide Insurance
Dwelling protection, personal possession protection, liability coverage, and loss of use coverage are standard inclusions for Nationwide’s homeowners insurance policies. You can also tack on coverage for valuables, earthquake insurance, flood insurance, water backup coverage, and identity theft insurance.
If you rent rather than own your home, Nationwide can provide renters insurance that includes personal property coverage, liability coverage, loss of use coverage, and medical payments coverage. You can add optional coverage that includes extra valuables coverage, theft extension coverage, water backup coverage, and earthquake coverage.
Nationwide offers term life insurance, whole life insurance, universal life insurance, and variable life insurance.
Nationwide’s motorcycle insurance coverage is quite similar to its auto insurance plans. Standard coverage includes collision, comprehensive, liability, and new bike placement coverage. Custom equipment coverage, OEM endorsement (which means repairs will use parts from the original manufacturer whenever available), and 24/7 roadside assistance are offered as add-ons.
RV insurance is typically a cross between auto insurance and homeowners insurance. Nationwide’s standard RV insurance package includes coverage for collision and comprehensive damage, liability coverage, uninsured and underinsured motorist coverage, and medical payments coverage. Optional RV insurance coverages include roadside assistance, towing and labor, vacation liability coverage, safety glass replacement, and replacement cost coverage.
Veterinary bills can get high, so having pet insurance can save your family a lot of money in the long run. Nationwide’s basic pet insurance plan covers accidents and illnesses, surgeries, hospitalization, chronic conditions, and prescriptions. The more expansive “complete coverage” plan includes the same coverage as the basic plan plus wellness exams, flea and heartworm prevention, and vaccinations.
How Can I Buy Auto Insurance from Nationwide?
You can purchase Nationwide’s car insurance by calling a Nationwide agent at a local insurance agency; there’s a complete list here. Alternatively, you can visit their website for a quote. Remember to compare quotes before you make a solid decision by using a website like Insurify, which lets you compare up to 20 quotes at a time!
How Can I Pay for My Nationwide Car Insurance Policy?
Nationwide accepts almost all methods of payment, including paying online, by phone, or through the mail. If you pay your premium in full, you can avoid installment fees.
Credit card or bank account
You can log in to your Nationwide account and pay with your credit card or your checking or savings account. Alternatively, Nationwide allows you to skip the login if you provide your phone number, ZIP code, and date of birth.
Through your bank
You can sign up for online payments through your bank by using your Nationwide policy number. You can subsequently pay through your online banking system.
You can set up automatic monthly payments from your bank account or debit or credit card.
Call 1 (888) 891-0267 to pay for your policy through the phone.
By text message
Text PAY to 245569 to pay your Nationwide insurance premiums via text message.
You can send a check or money order to the following Nationwide address:
PO Box 742522
Cincinnati, OH 45274-2522
Will Nationwide increase my premiums?
Like most insurance providers, Nationwide will likely increase your premium if you end up filing a claim or getting an incident on your driving profile. But that doesn’t mean it doesn’t have programs in place that will protect you against outrageous rate hikes.
If you get into an accident…
Even safe drivers can get into unfortunate situations, and most of the time, getting a ticket or a violation on your record can lead to premium increases. At Nationwide, you can apply for accident forgiveness coverage, and then your premium won’t increase if you have an accident. However, if you get into an accident and don’t have accident forgiveness, your premium will most probably increase—even if you weren’t at fault.
If you’re a loyal customer…
Many Nationwide policyholders complained of price hikes even though they had maintained clean driving records. Nationwide offers an “On Your Side” review once a year to assess your policy, see if you’re missing out on any discounts, and make sure you have the coverage you need. This is an excellent chance to raise any concerns you have about rate hikes and possibly get a better deal.
If you file a claim…
The number of claims you file will also impact your Nationwide premiums. If you file a claim, even for an accident where you weren’t at fault, your Nationwide rate will probably increase.
How Does Nationwide’s Claims Process Work?
You can file a claim online by logging into your Nationwide account online or through the app.
You can also call 1 (800) 421-3535 if you would rather speak to a representative. Once you’ve filed a claim, you can manage and track its progress online or through the app.
How Can I Cancel My Nationwide Car Insurance Policy?
You can call a Nationwide representative at 1 (877) 669-6877 to cancel your policy.
Cancellation fees vary by state and policy, but you should consider canceling your policy at the end of the policy period to avoid fees. Make sure you already have another insurance policy lined up for your car so that there are no gaps in your insurance. You should hold off on canceling your plan until you have your proof of insurance letter.
Use an insurance comparison website like Insurify to find and compare auto insurance quotes for free.
How Much Does Uber/Lyft Coverage Cost with Nationwide?
In early 2019, Nationwide announced its partnership with insurance cloud services provider Slice Labs to provide a new kind of rideshare insurance for Uber and Lyft drivers. The new “on-demand” rideshare coverage will allow drivers to log into an app and activate instant coverage. This coverage will last only as long as the driver needs, anywhere from a few minutes to several hours.
The goal is to make it easy for occasional rideshare drivers to get coverage without having to buy long-term policies. The new on-demand rideshare insurance product is expected to launch by the end of 2019. Nationwide has not yet announced how much it will charge for this new insurance product.
Insurance Companies Similar to Nationwide
Nationwide is a standard-preferred insurance company that offers a multitude of coverage options (and bundle policies) for lower-risk drivers. Nationwide competes to cover drivers who can find competitive quotes from GEICO, Progressive, State Farm, Allstate, Liberty Mutual, and Farmers, among others.
According to Insurify’s internal database of over 1.9 million car insurance applications and our analysis of external sources, drivers who now hold Nationwide auto insurance policies most often switched from the following companies:
We also found that people who previously held Nationwide auto insurance often switched to the following companies:
Nationwide Customer Satisfaction and Policyholder Reviews
Customer reviews for Nationwide are generally positive, but some reviewers cited sudden and unexpected rate increases.
ConsumerAffairs features reviews that speak to these different customer experiences:
Other customers, like this Clearsurance poster, complained that Nationwide’s handling of their claims was unsatisfactory and unhelpful.
Overall, it seems as though Nationwide’s On Your Side review process can’t stave off rate increases or volatile claims servicing. However, most online reviews are positive, and the company continues to enjoy excellent financial health and stable industry ratings.
Nationwide Mobile App Review
Nationwide’s app is relatively well-liked on both Google Play (Android) and the App Store (iOS), with a rating of 4.3 on both sites. However, the SmartRide app (for customers enrolled in Nationwide’s telematics program) has significantly lower ratings, and several reviews mention the app’s glitchy nature.
These SmartRide reviews on the App Store and Nationwide’s official responses emblematize a majority of the complaints against this specialty app:
Frequently Asked Questions: Nationwide Car Insurance
Does Nationwide have good insurance?
Nationwide is a good option for car insurance if you're a good driver looking for a discount, your credit score is low, or you're looking for benefits like vanishing deductibles, accident forgiveness, and telematics device discounts by using SmartRide. It might not be a good option if you're looking for an insurance company with excellent customer service or the smoothest claims process. Also, drivers with a history of accidents and other risky driving behavior can probably find cheaper coverage elsewhere.
How do you know if Nationwide is the cheapest car insurance in your area?
Shop around for insurance with an auto insurance quotes comparison site like Insurify to have a look at all the cheapest car insurance quotes and discounts for which you may be eligible. You can never rely on one insurance company to give you the best or the cheapest quote. Different insurance providers use different underwriting guidelines to set their rates, so even if a particular insurance company gave your friend a great price, that doesn’t mean it will be the best deal for you.
How do I cancel my Nationwide insurance policy?
You can call a Nationwide representative at 1 (877) 669-6877 to cancel your policy. Cancellation fees vary by state and policy, but you should consider canceling your policy at the end of your policy period to avoid fees.
The easiest way to save on car insurance
Nationwide is an excellent choice for those who want the stability of a larger insurance provider, where extra coverages and bundles abound. But how do you know you’re getting the best auto insurance quote for you without comparing multiple offers?
Don’t believe us? The average Insurify shopper who buys a quote online or over the phone saves $489 a year on their car insurance. We’re in the business of finding the best company for you, whether it’s price, coverages, or customer service that matters most to you.
Nationwide Auto Insurance Overview
Headquartered in Columbus, Ohio, Nationwide Mutual Insurance Company was founded in 1926.
Nationwide is a mutual insurance company, meaning its policyholders function as its owners. While Nationwide specializes in auto insurance and other property and casualty insurance policies specific to vehicles, it’s far more than an auto insurance company. Nationwide also sells life insurance, homeowners insurance, commercial insurance, and specialty coverages like travel insurance, dental insurance, and wedding insurance, and even some non-insurance financial services products. As one can imagine, multi-policy discounts abound.
Nationwide holds a J.D. Power and Associates overall customer satisfaction rating of 3 out of 5. Among the nation’s top insurance providers, this is an average score.
A.M. Best, a credit rating company that assesses the financial strength of insurance companies, gives Nationwide an “A+,” denoting superior financial health and ability to pay out claims.
Nationwide Contact Information
|Customer service phone number||1 (877) 669-6877|
|Claims service phone number||1 (800) 421-3535|
|Customer service mail form||Online form|
|Account login||Personal account login|
|Headquarters address||One Nationwide Plaza, Columbus, OH 43215|