Nationwide vs Safeco 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

Nationwide
89
What is this?

Insurify Composite Score

Safeco
86
What is this?

Insurify Composite Score

Nationwide VS Safeco
89
86
What is this?
User Ratings
OptionsNationwide Safeco
Rating/Reviews
3,848 reviews
1,801 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsNationwide Safeco
Call Center RepresentativeThe restThe rest
Insurer WebsiteAmong the best--
Local AgentBetter than mostBetter than most
Overall SatisfactionAbout averageAbout average
Policy OfferingsBetter than mostAbout average
PricingAbout averageAbout average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsNationwide Safeco
Claim ServicingAbout averageThe rest
Estimation ProcessBetter than mostThe rest
First Notice of Loss (FNOL)Better than mostThe rest
Overall SatisfactionAbout averageThe rest
Rental ExperienceBetter than mostThe rest
Repair ProcessBetter than mostThe rest
SettlementAbout averageThe rest
J.D. Power Ratings by Region (out of 1000)
RegionNationwide Safeco
California796 pt
About average
811 pt
About average
Central803 pt
The rest
803 pt
The rest
Florida793 pt
The rest
825 pt
About average
Mid-Atlantic823 pt
The rest
--
New England817 pt
About average
796 pt
The rest
New York806 pt
The rest
--
North Central815 pt
The rest
803 pt
The rest
Northwest782 pt
The rest
798 pt
The rest
Southeast823 pt
About average
820 pt
About average
Southwest805 pt
The rest
792 pt
The rest
Texas813 pt
The rest
--
Mobile App Ratings
RegionNationwide Safeco
Android
1,829 Reviews
89 Reviews
iOS
40 Reviews
1,200 Reviews
Financial Ratings
OptionsNationwide Safeco
A.M. BestA+A
Fitch--A-
Moody'sA1A2
Standard & Poor'sA+A

Auto Insurance Quotes

For Married Drivers

CityNationwide Safeco
Austin$73--
Chicago$184--
Philadelphia$87--
Santa Monica$96--

For Single Drivers

CityNationwide Safeco
Austin$99--
Chicago$183--
Philadelphia$96--
Santa Monica$231--

For Male Drivers

CityNationwide Safeco
Austin$84--
Chicago$185--
Philadelphia$90--
Santa Monica$215--

For Female Drivers

CityNationwide Safeco
Austin$88--
Chicago$182--
Philadelphia$93--
Santa Monica$112--

For Drivers with Speeding Ticket

CityNationwide Safeco
Austin$115--
Chicago$285--
Philadelphia$102--
Santa Monica$270--

For Drivers with No Speeding Ticket

CityNationwide Safeco
Austin$80--
Chicago$161--
Philadelphia$90--
Santa Monica$141--

For Drivers Age Between 18-40

CityNationwide Safeco
Austin$97--
Chicago$185--
Philadelphia$94--
Santa Monica$262--

For Drivers Age Between 40-65

CityNationwide Safeco
Austin$70--
Chicago$172--
Philadelphia$82--
Santa Monica$85--

For Drivers Age of 65+

CityNationwide Safeco
Austin$108--
Chicago$217--
Philadelphia$112--
Santa Monica$88--

For Drivers with Average Credit

CityNationwide Safeco
Austin$105--
Chicago$207--
Philadelphia$104--
Santa Monica$147--

For Drivers with Fair Credit

CityNationwide Safeco
Austin$87--
Chicago$185--
Philadelphia$91--
Santa Monica$117--

For Drivers with Good Credit

CityNationwide Safeco
Austin$70--
Chicago$197--
Philadelphia$90--
Santa Monica$106--

For Drivers with Excellent Credit

CityNationwide Safeco
Austin$83--
Chicago$144--
Philadelphia$80--
Santa Monica$285--

Quotes & Discounts

Discount typeNationwide Safeco
FamilyUp to 25%--
Multiple PolicyUp to 25%Varies
Multiple VehicleUp to 20%Up to 36%
Good StudentUp to 15%Up to 16%
Defensive DriverUp to 10%Varies
Farm BureauUp to 10%--
Good DriverUp to 10%Up to 15%
OrganizationUp to 10%--
SmartRideUp to 10%--
Anti-Theft DeviceUp to 5%Up to 3%
Accident ForgivenessVariesVaries
Accident FreeVariesVaries
Affinity groupVaries--
Driving HabitsVaries--
Paperless documentsVaries--
Preferred paymentVaries--
Anti-lock Brake--Varies
Claims Free Renewal--Varies
Deductible--Varies
Diminishing Deductible--Varies
Driving training--Varies
Early Shopper--Varies
Good Credit--Up to 73%
Home Owner--Varies
Low Mileage--Up to 20%
Loyalty--Varies
New Teen Driver--Varies
Paid in full--Varies
Prepay--Varies
RightTrack--Varies
Senior Adult--Varies
Student Away at School--Up to 20%
teenSMART--Up to 15%

Payment Methods

Discount typeNationwide Safeco
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit --yes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yesyes
Mail Payment
yesyes
Multi-Payment Installment Plans
yes--
Online Payment
yesyes
Person 2 Person Payment yes--
Phone Payment
yesyes

Features and Services

Features and ServicesNationwide Safeco
24/7 service--yes
Accident forgiveness--yes
Diminishing deductible--yes
Online account managementyesyes
Reimbursement of first aid--yes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesNationwide Safeco
Accident Forgiveness
yesyes
Antique or Collector Car Insurance
yes--
Build Your Own Plan
--yes
Electronic Key & Lock Replacement
--yes
Emergency Assistance Coverage
--yes
First Aid Reimbursement
--yes
Gap Insurance
yesyes
New Car Replacement Coverage
--yes
Personal/Upgraded Item Coverage
--yes
Pet Coverage
--yes
Rental Reimbursement
yesyes
Ridesharing Coverage
--yes
Roadside Assistance
yesyes
Sound System Coverage
--yes
Vanishing Deductible
yesyes

Online Quoting by State

  • Nationwide
  • Safeco
  • Both

Uber and Lyft driver insurance

  • Nationwide
  • Safeco
  • Both

SR‌-22 Insurance by State

  • Nationwide
  • Safeco
  • Both

Compare Insurance Products

ProductNationwide Safeco
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Classic Car InsuranceClassic Car Insurance--yes
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyes--
Motorcycle InsuranceMotorcycle Insurance--yes
Pet InsurancePet Insuranceyes--
Renters InsuranceRenters Insurance--yes
Ridesharing InsuranceRidesharing Insurance--yes
RV InsuranceRV Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • Nationwide Reviews
  • Safeco Reviews
3.6
5 Stars
50 %
4 Stars
11 %
3 Stars
9 %
2 Stars
6 %
1 Star
24 %

Most Positive Review

By Jimmy
I’ve been with nationwide for many years as a happy customer. I’m looking over the market to see if my rates are high or low.

Most Critical Review

By Tammy
Never could get a straight answer. No one would call me back. Got the run around. My rates kept climbing when my husband and I have perfect driving records.

All Reviews

Showing 1 - 10 out of 1000 Reviews
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Read reviews that mention

csecesd
klmmlk
Ernest
appalling disconnect between field and home offices, with the home usually two weeks behind events in the field. Which causes continuing billing errors which NW does not acknowledge.
Darrell
They are fair
Saleem
The rates I had with them and their prompt and courteous service.
Michael
They are ok just price
Robert
Too expensive for the age of me and the car.
Todd
Price increases
Natale
After I had a serious accident the amount I received for my totaled car had been nickel and dimed so low there was no way to get a comparable car. I understand deductions for mileage etc... but when a top of the line model cant even equate to a bottom of the line model in an older model something is wrong.
Amy
Shannon
Nothing remarkable either way.
Showing 1 - 10 out of 1000 reviews

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.