Badger Mutual vs Nationwide Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

Badger Mutual
Not Rated
What is this?

Insurify Composite Score

Nationwide
89
What is this?

Insurify Composite Score

Badger Mutual VS Nationwide
Not Rated
89
What is this?
User Ratings
OptionsBadger Mutual Nationwide
Rating/Reviews
3 reviews
3,848 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsBadger Mutual Nationwide
Call Center Representative--The rest
Insurer Website--Among the best
Local Agent--Better than most
Overall Satisfaction--About average
Policy Offerings--Better than most
Pricing--About average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsBadger Mutual Nationwide
Claim Servicing--About average
Estimation Process--Better than most
First Notice of Loss (FNOL)--Better than most
Overall Satisfaction--About average
Rental Experience--Better than most
Repair Process--Better than most
Settlement--About average
J.D. Power Ratings by Region (out of 1000)
RegionBadger Mutual Nationwide
California--796 pt
About average
Central--803 pt
The rest
Florida--793 pt
The rest
Mid-Atlantic--823 pt
The rest
New England--817 pt
About average
New York--806 pt
The rest
North Central--815 pt
The rest
Northwest--782 pt
The rest
Southeast--823 pt
About average
Southwest--805 pt
The rest
Texas--813 pt
The rest
Mobile App Ratings
RegionBadger Mutual Nationwide
Android--
1,829 Reviews
iOS--
40 Reviews
Financial Ratings
OptionsBadger Mutual Nationwide
A.M. Best--A+
Moody's--A1
Standard & Poor's--A+

Auto Insurance Quotes

For Married Drivers

CityBadger Mutual Nationwide
Austin--$73
Chicago--$184
Philadelphia--$87
Santa Monica--$96

For Single Drivers

CityBadger Mutual Nationwide
Austin--$99
Chicago--$183
Philadelphia--$96
Santa Monica--$231

For Male Drivers

CityBadger Mutual Nationwide
Austin--$84
Chicago--$185
Philadelphia--$90
Santa Monica--$215

For Female Drivers

CityBadger Mutual Nationwide
Austin--$88
Chicago--$182
Philadelphia--$93
Santa Monica--$112

For Drivers with Speeding Ticket

CityBadger Mutual Nationwide
Austin--$115
Chicago--$285
Philadelphia--$102
Santa Monica--$270

For Drivers with No Speeding Ticket

CityBadger Mutual Nationwide
Austin--$80
Chicago--$161
Philadelphia--$90
Santa Monica--$141

For Drivers Age Between 18-40

CityBadger Mutual Nationwide
Austin--$97
Chicago--$185
Philadelphia--$94
Santa Monica--$262

For Drivers Age Between 40-65

CityBadger Mutual Nationwide
Austin--$70
Chicago--$172
Philadelphia--$82
Santa Monica--$85

For Drivers Age of 65+

CityBadger Mutual Nationwide
Austin--$108
Chicago--$217
Philadelphia--$112
Santa Monica--$88

For Drivers with Average Credit

CityBadger Mutual Nationwide
Austin--$105
Chicago--$207
Philadelphia--$104
Santa Monica--$147

For Drivers with Fair Credit

CityBadger Mutual Nationwide
Austin--$87
Chicago--$185
Philadelphia--$91
Santa Monica--$117

For Drivers with Good Credit

CityBadger Mutual Nationwide
Austin--$70
Chicago--$197
Philadelphia--$90
Santa Monica--$106

For Drivers with Excellent Credit

CityBadger Mutual Nationwide
Austin--$83
Chicago--$144
Philadelphia--$80
Santa Monica--$285

Quotes & Discounts

Discount typeBadger Mutual Nationwide
Good CreditUp to 33%--
Continuous CoverageUp to 18%--
Multiple VehicleUp to 15%Up to 20%
Claims Free RenewalUp to 10%--
Mature driverUp to 10%--
Multiple PolicyUp to 10%Up to 25%
LoyaltyUp to 5%--
Accident FreeVariesVaries
New CarVaries--
Accident Forgiveness--Varies
Affinity group--Varies
Anti-Theft Device--Up to 5%
Defensive Driver--Up to 10%
Driving Habits--Varies
Family--Up to 25%
Farm Bureau--Up to 10%
Good Driver--Up to 10%
Good Student--Up to 15%
Organization--Up to 10%
Paperless documents--Varies
Preferred payment--Varies
SmartRide--Up to 10%

Payment Methods

Discount typeBadger Mutual Nationwide
Automatic Online Payment
yesyes
Credit Card Payment yesyes
Debit Card Payments --yes
Electronic Check
yesyes
Mail Payment
yesyes
Multi-Payment Installment Plans
yesyes
Online Payment
yesyes
Person 2 Person Payment --yes
Phone Payment
yesyes

Features and Services

Features and ServicesBadger Mutual Nationwide
24/7 serviceyes--
Accident forgivenessyes--
Enhanced towing & substitute coverageyes--
Flexible / convenient paymentsyes--
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesBadger Mutual Nationwide
Accident Forgiveness
--yes
Antique or Collector Car Insurance
yesyes
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
yes--
Gap Insurance
yesyes
New Car Replacement Coverage
yes--
Original Equipment Manufacturer Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
yes--
Vanishing Deductible
yesyes

Compare Insurance Products

ProductBadger Mutual Nationwide
Car InsuranceCar Insuranceyesyes
Home InsuranceHome Insurance--yes
Life InsuranceLife Insurance--yes
Pet InsurancePet Insurance--yes

User Reviews

  • Badger Mutual Reviews
  • Nationwide Reviews
3.3
5 Stars
33 %
4 Stars
33 %
1 Star
33 %

Most Positive Review

By Shante
I have never made a claim, so I am unaware how that would be handled.

Latest Review

By Shante
I have never made a claim, so I am unaware how that would be handled.

All Reviews

Showing 1 - 3 out of 3 Reviews
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Read reviews that mention

Shante
I have never made a claim, so I am unaware how that would be handled.
Elaine H.
I have only good things to say about this company. I have both home and auto insurance from them. I have only made one claim for an auto accident and they came through very well for me. I was in a 3 car accident and I was the middle car so I had both front and rear damage. I paid my $500 deductible and they paid the rest which was $4000. They also paid for mid-sized rental car for the entire time that my car was in the shop. Their rates are reasonable. The agent was very prompt, personable and fair.
Teresa T.
Stay far away from this company! I had 2 very small claims. I had never had a claim the 6 years I have lived here until we were ready to replace our roof and our roofer that was doing the estimate said we had hail damage from one of the recent storms and that I should have an adjuster out. So we did and he said it was old damage when there had been hail activity in the area within the last 1-2 years. That very adjuster fro Badger Mutual said to me you should probably get the roof replaced within the next 5 years. Well YES! That is why you were called out is because the roofer doing the bid said hail damage. So still taking bids, it got too late last year to re-shingle the roof. So we start again this year and a HUGE wind and hail storm goes through and we have fascia hanging off our house, huge trees snapped in half, our shed got lifted off it's spot and dumped out in a corn field quarter mile away. Our roofer that was buried in projects(one was our home coming up) came to expect and said definitely wind and hail damage. So called Badger Mutual, it took over a month to get someone out. They were busy because of all of the hail damage around the area. So turns out they don't want to cover our roof again, just some fascia, tree clean up and our small shed. Then I just got a letter from them saying they are dropping us?? Because of the condition of the roof that their adjuster said good for at least 5 more years that we already had on the books to get replaced. They never once covered anything on the roof when the tin looks like it got shot with BB guns and we were paying out of pocket to replace the whole roof. I'm still in Shock. I wouldn't give them another dime again. Buyer Beware.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.