In our Nationwide insurance review, we rate the company 4.3 out of 5.0 overall and compare its average costs to other competitors in the market.
Founded in 1926 in Columbus, Ohio, Nationwide started as a small mutual insurance company supported by local farm bureaus. Today, it is one of the biggest auto insurance companies in the United States. We’ll take a close look at Nationwide insurance reviews, coverage options, and costs to see how it compares to competitors.
We recently compared the best car insurance providers across the country, including Nationwide. If you’re on the fence about Nationwide auto insurance, read on to learn everything you need to know before signing up.
In this article:
- Nationwide Review: 4.3 Stars
- Nationwide Insurance Cost
- Nationwide Car Insurance Coverage
- Nationwide Insurance Reviews
- Nationwide Technology And Apps
- Top Recommendations For Auto Insurance
- FAQ: Nationwide Insurance Reviews
Nationwide Review: 4.3 Stars
Nationwide has a high rating of A+ from the BBB but does not stand out when it comes to customer service. The company doesn’t rank well in the J.D. Power 2021 U.S. Auto Insurance StudySM. According to Nationwide insurance reviews, customer care can vary depending on your location. Be sure to read local reviews if you're considering a Nationwide car insurance policy.
If local Nationwide insurance reviews are good, a Nationwide auto insurance policy is worth consideration. We found that Nationwide's prices tend to be higher on average but can be relatively cheap for older drivers as the insurer offers discounts for AARP membership.
In addition to seniors, the following types of drivers may find the best coverage with Nationwide car insurance:
- Tech-savvy drivers: Nationwide has an extensive online portal for everything from getting quotes to paying your bills, filing a claim, and requesting roadside assistance.
- Drivers in the eastern and north-central United States: Nationwide performs better in J.D. Power customer satisfaction polls in these regions.
- Safe drivers: Nationwide has several discount programs for drivers who go years without accidents or violations, as well as those who take defensive driving courses. Nationwide’s SmartRide® program also gives drivers a discount after they allow the company to track their safe driving practices for a set period of time.
Nationwide Insurance Rating
Overall, we rate Nationwide 4.3 out of 5.0 stars and name it Best for Seniors based on its extensive auto insurance coverage, high ratings from industry experts, and well-reviewed usage-based insurance program. Nationwide insurance reviews from customers also factored into our rating.
|Nationwide Pros||Nationwide Cons|
|Available in 46 states||Mixed customer reviews depending on location|
|A+ financial strength rating from AM Best and A+ rating from the BBB||Slightly more expensive|
|Many choices for coverage||Difficult quotes process|
|Usage-based insurance options|
When you're shopping for auto insurance, we recommend comparing quotes from at least three providers.
Nationwide Insurance Cost
According to our rate estimates, good drivers pay an average of $1,533 per year for full coverage with Nationwide. This is cheaper than the market average of $1,732 per year. Here's how Nationwide stacks up against other leading insurance providers.
|Car Insurance Provider||Average Annual Cost Estimate||Average Monthly Cost Estimate|
As with every car insurance company, Nationwide rates depend on the driver. Nationwide insurance reviews attest to this. In addition to the amount of coverage you choose (minimum coverage is cheaper than full coverage), your auto insurance payments may be affected by:
- Your age, gender, and marital status
- The year, make, and model of your car
- Driving record
- Your deductible
We surveyed 1,000 car insurance customers on a variety of topics including cost. Overall, 33 percent of Nationwide customers said they have experienced rate increases without an obvious cause. This was the lowest percentage of any provider.
Here's how Nationwide costs can vary depending on your driving background compared to the national average rates:
|Driving Profile||Monthly Nationwide Cost Estimate||Monthly Industry Average Cost Estimate|
|Speeding ticket (age 35)||$165||$182|
|Accident (age 35)||$212||$220|
|DUI (age 35)||$283||$266|
|Poor credit (age 35)||$186||$260|
Note: California, Hawaii, Massachusetts, and Michigan don't allow car insurance companies to use credit scores to calculate rates.
Nationwide Cost By State
The table below shows Nationwide quote estimates across the country. While Nationwide is typically not the cheapest provider in every state, rates are competitive and often below state averages.
The estimates below are for a 35-year-old driver with a clean driving record and good credit. Keep in mind that these estimates are for a particular driver profile meant to give a general idea of Nationwide costs. Your rates will vary. If you are younger, have poor credit, or have points on your license, your rates will likely be higher.
|State||Nationwide Annual Cost Estimate||Average Annual Cost Estimate|
|District of Columbia||$2,537||$1,786|
Nationwide Auto Insurance Discounts
Most drivers qualify for at least one of Nationwide’s discount plans. Here are some of the ways policyholders can save money:
- Multi-policy discount: Bundle two types of Nationwide insurance with your auto policy, such as identity theft insurance, flood insurance, or Nationwide home insurance.
- Usage-based policy: Join SmartRide®, the company’s usage-based program.
- No accidents: Go accident-free for a set amount of time.
- Good student: A good student discount is offered to those between the ages of 16 and 24 who maintain a B grade average.
- Safe driver: Prove safe driving habits by going at least five years without an at-fault accident or major traffic violation.
- Low mileage: Pay a flexible monthly rate based on miles driven if you sign up for the SmartMiles® program.
- Defensive driver: Complete a defensive driving course.
- Vehicle features: Install anti-theft devices.
- Autopay: Sign up for automatic payments.
- Paperless discount: Choose electronic documents.
- Membership: Join a partner organization, such as the AARP.
Nationwide auto insurance comes with annual On Your Side® reviews. This service has an insurance agent check in with you once a year to make sure you fully understand your policy and ask if you want to make any changes.
Nationwide offers the following types of car insurance coverage:
- Bodily injury liability (BI): Covers medical bills for other people in accidents you cause
- Property damage liability (PD): Covers auto repairs for other people's vehicles in accidents you cause
- Collision coverage: Covers your own vehicle repairs after you cause an accident
- Comprehensive car insurance: Covers environmental damage, theft, vandalism, and damage from accidents with stationary objects
- Medical payments (MedPay): Covers your medical payments in accidents you cause
- Personal injury protection (PIP): Covers your medical payments plus lost wages and funeral costs
- Uninsured/underinsured motorist protection: Covers you when a driver without enough insurance causes an accident
In addition to the full coverage options listed above, you can get the following types of coverage and policy add-ons with Nationwide:
- Roadside assistance: Nationwide offers two levels of this program, with options for towing, jump-starts, lockouts, and other scenarios.
- Rental car reimbursement: If your car is in the shop for an approved repair, this coverage contributes to the cost of a rental vehicle. Determine the limit and number of days for this benefit when you set your premium up.
- Gap insurance coverage: This pays the difference between the value of your car and the amount you owe on your auto loan after a total loss claim.
- Accident forgiveness insurance: This policy add-on keeps your rate from going up after your first at-fault incident.
- Vanishing deductible: Nationwide’s vanishing deductible program cuts your deductible down by $100 per year for safe driving, up to $500.
- Total loss deductible waiver: Pay no deductible for total loss claims.
If you have a classic car, you can also get Hagerty classic car insurance through Nationwide. Coverage includes flexible mileage, guaranteed replacement value, spare parts, and more.
Nationwide Homeowners Insurance
According to the National Association of Insurance Commissioners (NAIC), Nationwide is one of the top 10 most popular homeowners insurance companies in the country. The company offers a discount of up to 20 percent for bundling home and auto. You can find all the standard home insurance options to cover physical damage, personal belongings, loss of use, liability, and more.
Nationwide Life Insurance
Nationwide can cover all the life insurance bases with whole, term, universal, or variable life insurance. Each of these can apply to different life situations, like leaving an inheritance for heirs or providing security while raising children.
Nationwide Insurance Reviews
Reading firsthand reviews of insurance providers is a great way to look into the experience of working with the company after the quotes process.
How do Nationwide customers feel about their long-term relationship with Nationwide? We scoured both national and individual location reviews for some insight. Positive Nationwide reviews highlight exemplary customer service representatives, while negative reviews discuss rate increases and issues with the claims process.
We also asked Nationwide customers about their satisfaction level in our survey. Overall, 53 percent of Nationwide customers are somewhat or very satisfied. Nationwide has one of the lowest satisfaction levels of the providers in our survey.
Positive Nationwide Insurance Reviews
Positive Nationwide insurance reviews often center on pleasant experiences with agents. Here are some examples.
“The customer service is very personal. I was able to get the plan and [coverage] I wished. Gerry was amazing and worked with me even when I wasn’t able to commit right away. Staff and company looked nice and performed professionally.”
– Vanessa B. via Google
“[My agent] even calls me to inform me that there are some items that [need] review. And the review usually saves me money. He is always prompt to return calls and answers all questions very clearly. I feel that I am in the best hands with Abe and Nationwide.”
– Craig I. via Google
Negative Nationwide Insurance Reviews
Not all Nationwide insurance reviews are positive. Here are a couple of examples from customers who were disappointed with the company.
“My rates went up significantly after receiving my first bill. I was baited and switched. Be [wary] of this company, as they did not honor a refund of the amount and had promised my rate would not change. They made an error in the application, and I ended up paying for it.”
– Reviewer in Plano, TX, via Google
“This company has to be the [worst] to deal with! I was not [asked] to be hit by their customer, and all I want is my car to be fixed. They have been no help in dealing with the body shop. They also are denying fixing my car the way it should be. I should not have to get a lawyer involved for a simple accident.”
– Rebecca V. via BBB
Nationwide Claims Customer Service
Nationwide claims satisfaction is mixed, and reviewers on the BBB website report both positive and negative experiences. Negative claims service reviews mention unresponsive or rude adjusters. Some customers also say different agents give out different information. On the other hand, some reviewers experience good customer service and friendly agents.
According to our consumer survey, 25 percent of Nationwide claims are resolved within 2 weeks. Other companies resolve up to 40 or 50 percent of claims within two weeks. That said, only 11 percent of Nationwide customers said their claims took longer than 4 weeks to resolve, which was the lowest percentage of any provider.
Nationwide Insurance Claims Complaints
Nationwide has received 200 complaints in the past three years on the BBB website. Looking over the most recent 100 complaints, the majority have to do with the claims process. According to drivers, the process to get a damage appraisal can be slow. Some people also experience a lack of communication with agents.
How To Cancel A Nationwide Insurance Policy
To cancel a Nationwide insurance policy, contact your agent. If you don't have an agent, call the company at 877-669-6877. You can cancel your policy effective immediately or schedule a cancellation. Make sure you have other insurance in place if you still own a car.
Nationwide Technology And Apps
Like most modern insurers, Nationwide offers its customers a smartphone app (Nationwide Mobile) that can be used to view policy details, manage payments, and file insurance claims. The app has a 4.4 out of 5.0-star rating on the App Store from over 9,700 reviews. Similarly, over 6,800 Nationwide insurance reviews on Google Play rate the app 4.2 stars.
In addition to Nationwide Mobile, Nationwide has SmartRide®, an app that tracks driving habits and offers discounts. SmartRide has a 4.4 out of 5.0 rating in the App Store and a 4.0 out of 5.0 rating on Google Play. This program is available in all states except for Alaska, Hawaii, Idaho, and Louisiana.
Several user reviews that we examined complain about the SmartRide app. Drivers are frustrated that the app penalizes them for idling. Most top insurers offer usage-based discount programs that are managed through smartphone apps, though few seem to have worked out all of the kinks. Nationwide’s app is middle-of-the-pack based on customer reviews. SmartRide is rated higher than Geico’s DriveEasy app but lower than State Farm’s Drive Safe & SaveTM app.
Top Recommendations For Auto Insurance
Are you on the fence about which auto insurance company to choose? When we researched the 12 best auto insurance companies for 2022, a few providers emerged ahead of the pack.
Two companies often compared to Nationwide car insurance are Geico and Progressive. After we did our homework, both came out slightly ahead of Nationwide with 4.6 out of 5.0 stars each, and we recommend reaching out for quotes to see what your policy coverage and cost would look like.
Geico: 4.6 Stars
Comparing Geico and Nationwide, Geico is much larger, holding an impressive 14.31 percent market share of the car insurance industry, according to the NAIC. Here are some of the things we like about Geico:
- A++ financial strength rating from AM Best, the highest rating possible
- 78/100 Reader Score from Consumer Reports
- Some of the cheapest car insurance premiums in the country
- Numerous discounts including a usage-based program
- Positive customer service reviews
- Coverage options including mechanical breakdown insurance, rideshare insurance, and roadside assistance
For more information, check out our full Geico review.
Progressive: 4.6 Stars
Progressive auto insurance also ranked highly in our review, earning 4.6 stars overall. It offers many similar programs to Nationwide auto insurance, including a device that tracks your driving habits and an online program that helps you find the best price for your lifestyle. Other notable perks include:
- A+ financial strength rating from AM Best
- Low rates for high-risk drivers
- Powerful website and mobile app capabilities
- Coverage options including custom parts and equipment value, loan/lease payoff, and rental car reimbursement
For more information, check out our full Progressive insurance review.
It’s easy to get free quotes from many car insurance companies before making your final choice. Consider your options before choosing the company that’s best for you.
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.
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