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Sometimes, it makes sense to part ways with your car insurance company — maybe you relocated out of your insurer’s coverage area or found a better price elsewhere. Regardless of your reasons, canceling your Nationwide car insurance policy is relatively straightforward.
Nationwide allows you to cancel your car insurance policy anytime, free of charge. You may even receive a partial refund if you paid your premium in advance. Here’s what you need to know about canceling your Nationwide auto policy.
Nationwide cancellation policy
Nationwide policyholders can cancel their insurance at any time, even in the middle of the term. It doesn’t charge early termination or cancellation fees. In some cases, Nationwide may even owe you money if you prepaid your premium and cancel before the end of the policy term.
The Nationwide website states you can cancel your policy by calling your insurance agent or the Nationwide customer service phone number. Your insurance agent should be able to answer any specific questions you have about cancellation. You can’t cancel your policy online or through email.
Here are the steps to take to cancel your Nationwide car insurance policy.
Step 1: Look up your renewal date
You can cancel your Nationwide policy at any point in your policy term. In some cases, it may make sense to wait until the policy renewal date to make changes. That way, you avoid a coverage lapse, which can leave you unprotected on the road and result in higher premiums and fines.
Good to Know
You can find your car insurance renewal date online, on your policy declaration page, or on your insurance ID card. Your insurance agent should also be able to provide information related to your renewal date.
Step 2: Compare car insurance quotes
One way to find the best policy is to compare quotes from different insurers.
Auto insurance companies calculate rates based on various factors, such as location, age, driving record, and vehicle year, make, and model. Comparing quotes is important, as some insurers may put more weight on certain factors than others, leading to rate variations between companies.
Another reason to compare car insurance quotes is that available discounts vary from insurer to insurer. For example, State Farm offers a few discounts for young drivers, while USAA is known for its military discounts. Additionally, many insurers offer discounts when you bundle insurance products with your car insurance, such as homeowners insurance, pet insurance, and life insurance.
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Step 3: Secure a new car insurance policy
It’s important to secure a new car insurance policy before canceling your original policy to avoid a gap in coverage. The process of getting a car insurance policy varies between companies but generally involves either applying online or working directly with an agent.
To get a car insurance policy, you’ll need to provide basic information about yourself, your vehicle, and your coverage needs. In most states, insurance companies can consider your credit history when setting rates.
Your new insurer will likely need the following information to determine your premium:
Desired policy effective date
Date of birth
Vehicle identification number (VIN)
Payment info, such as your credit card number or bank account details
Step 4: Cancel your Nationwide policy
You’ll likely need to cancel your policy over the phone, as online cancellation isn’t available.
According to Nationwide’s website, here are the options to cancel your policy:
Call your insurance agent. (You can usually find your agent’s information on your policy declaration page, insurance ID card, or billing statement.)
If you don’t have an insurance agent, call 1 (877) 669-6877 to speak with a customer service representative.
You may also be able to cancel your policy in person at a Nationwide branch.
Step 5: Follow up on your refund
When you cancel your policy, you may sometimes be eligible for a refund. For example, if you paid your premiums up front but want to cancel your policy halfway through your term, you’ll receive a refund for the months remaining in the term.
If you’re unsure whether you’re eligible for a refund, contact Nationwide or speak to your insurance agent.
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How Nationwide quotes stack up vs. competitors
Nationwide’s average cost is $187 per month for full coverage and $84 per month for liability coverage. When it comes to car insurance prices, Nationwide typically falls somewhere in the middle compared to its competitors.
However, the amount you’ll pay for car insurance depends on various factors, such as your state’s insurance requirements, your specific coverage needs, and discounts you may be eligible for.
The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Canceling Nationwide insurance FAQs
If you’re thinking about canceling your coverage with Nationwide, this additional information may help.
Does Nationwide charge a cancellation fee?
Nationwide doesn’t charge early termination, cancellation, or any other fees to cancel a car insurance policy. However, it’s a good idea to review your policy documents to make sure.
Can you cancel your Nationwide policy at any time?
You can cancel your Nationwide policy at any time, even in the middle of a policy term. Just make sure you have new coverage in effect before canceling your current policy to avoid a coverage gap.
How can you confirm your Nationwide insurance policy is canceled?
You can request confirmation of your policy cancellation through your insurance agent or Nationwide customer service, which may come in the form of a confirmation email or letter in the mail.
How do you cancel car insurance online?
Nationwide doesn’t allow you to cancel your policy online. To submit a cancellation request, you’ll need to contact your insurance agent or Nationwide directly. You can use this online tool to find a Nationwide agent near you.
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Theresa Stevens is a personal finance writer based in Boston, Massachusetts. Her work has been featured in Forbes Advisor, Bankrate, and more. As a former financial advisor, she has first-hand experience helping people solve their money challenges. When she's not writing, you'll find her trying out new karaoke spots or planning her next trip abroad.