Nationwide Auto Insurance Review (2024)

Nationwide offers various options for car insurance. If you’re looking for a customizable policy with a well-known and financially stable insurance provider, Nationwide could be an excellent fit for you.

However, the company has higher-than-average rates, and you may find that customers aren’t pleased with the company’s claims process. So, shopping online for quotes from multiple providers is important before deciding on a coverage.

What You Should Know About Nationwide

Nationwide has an A+ (superior) financial strength rating with A.M. Best. The company also has an A+ rating with the Better Business Bureau (BBB). However, customer complaints about Nationwide claims on the BBB website suggest the company has room for improvement.

How is Nationwide’s claims process?

Customers can call the Nationwide insurance phone number or the Nationwide claims number directly to start the claims process. Still, many policyholders say calling the Nationwide insurance claims phone number to file a claim isn’t as straightforward as it sounds.

Most complaints concerning Nationwide’s car insurance center around the fact that specific car insurance claims take too long to finish while other claims get denied when they shouldn’t be. So if you’re planning to purchase an auto insurance policy with Nationwide, you may want to consider what policyholders say about the claims process.

Nationwide Insurance Coverage Options

Nationwide offers several coverage options. Depending on what you’re looking for, you may find that Nationwide car insurance fits your needs. Nationwide auto insurance coverage options include:

• Bodily injury liability
• Property damage liability
• Personal injury protection
• Uninsured/underinsured motorist
• Medical payments
• Collision
• Comprehensive
• Towing and labor
• Rental car expense
• GAP coverage
• Accident forgiveness
• Roadside assistance
• Vanishing deductible
• Total loss deductible waiver

Nationwide auto insurance coverages allow policyholders to customize their coverage to ensure they feel safe behind the wheel. The company also offers extensive opportunities for discounts so individuals can save money on their insurance rates. Take a look at how their cheapest rates compare to other top insurance companies:

Liability Auto Insurance Average Rates From Top Providers

Does Nationwide have add-on coverage options?

There are several add-on options customers can purchase with a Nationwide policy, including:

• Roadside assistance
• Rental reimbursement coverage
• GAP coverage
• Accident forgiveness
• Vanishing deductibles
• Total loss deductible waiver

The add-ons listed above will likely make an insurance policy with Nationwide more expensive, but they could also give you peace of mind when you’re driving.

Nationwide Insurance Rates Breakdown

The amount you’ll pay for car insurance depends on several factors, such as:

• Age
• Gender
• Marital status
• Car make and model
• ZIP code
• Credit score
• Driving history
• Coverage type

Nationwide insurance quotes tend to be high compared to competitors, but premiums with Nationwide still rest below the national average in most instances.

The table below shows annual auto insurance rates with Nationwide compared to other well-known insurance providers.

Nationwide Auto Insurance Rates by Age

Age is one of the most influential factors in determining auto insurance rates. Because of their lack of experience behind the wheel, teenage drivers tend to have the highest auto insurance rates.

As drivers age, and gain experience, their auto insurance rates may start going down as long as they keep their driving records fairly clean. Compare the teenage rates above with the rates for adult drivers in this chart.

Senior drivers may see a slight bump in their average annual auto insurance rates, but not much.

Nationwide Auto Insurance Rates by Credit Score

Another factor in determining auto insurance rates is your credit score. As you will see below, a higher credit score will help keep your auto insurance rates low.

Nationwide Auto Insurance Rates by Driving History

If you are a safe driver and keep your driving record clean, you have a good chance of keeping your car insurance rates low. Take a look at how your annual rates can change if you get a DUI or ticket or if you are found at-fault in an accident.

Find and compare Nationwide quotes with quotes from other insurance companies to ensure you get the coverage you want at the best price.

Nationwide Discounts Available

Nationwide Mutual Insurance Company offers several discount options to its policyholders, including:

• Multi-policy
• Defensive driving
• SmartRide
• Anti-theft
• SmartMiles
• Safe driver
• Accident-free
• Automatic payments
• Good student
• Paperless

According to the Nationwide website, discounts may help policyholders save up to 25% on their insurance rates. Utilizing Nationwide SmartRide can be one of the top-notch choices to save money on coverage.

Before committing to auto insurance with Nationwide, compare quotes from multiple providers to ensure you get the best deal on coverage.

What is SmartRide with Nationwide?

Nationwide’s SmartRide is a usage-based driving program allowing policyholders to save money by sharing some driving statistics with the company.

Policyholders can download the app to take advantage of the discounts available with SmartRide. Nationwide then monitors certain driving habits, like:

• Miles driven
• Braking patterns
• Acceleration patterns
• Idle time
• How often you drive between midnight and 5 a.m.

Regardless of your driving patterns, enrolling in SmartRide will never cause an increase in your insurance rates. However, you could save money on your car insurance premium by enrolling in the SmartRide program. Take a look at how Nationwide's rates vary compared to other top companies based on driving record:

Full Coverage Auto Insurance Average Rates by Company and Driving Record