Nationwide insurance reviews praise the company for its impressive car insurance coverage, but is the provider the right choice for you? Our team dives into Nationwide insurance reviews, service standards, and coverage plans to help you determine whether the insurer fits your needs.

We’ll take a closer look at Nationwide insurance to see how the company compares to some of the best car insurance companies in the industry when it comes to cost, coverage, reliability, and service. The best way to see whether Nationwide is really on your side is by comparing free, personalized quotes from multiple providers.

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In This Review:

    Nationwide Car Insurance Cost And Discounts

    The average cost for a full coverage car insurance policy with Nationwide is about $1,533 per year, which is below the national average of $1,732 per year. These costs are for a 35-year-old driver with a clean driving record and good credit. While Nationwide insurance costs tend to be slightly higher than those from many competitors in the industry, the provider’s average rates still fall below the national average.

    Regardless of which auto insurance provider you choose, certain factors will affect how much car insurance is. Below are a few of the most common:

    • Location: Car insurance rates quickly change as you cross state lines. States with demanding minimum coverage requirements, many uninsured motorists, and above-average rates of car theft will have higher costs, as will larger cities.
    • Age and gender: Young men often face steep car insurance rates, though they usually start to level out as drivers reach their mid-20s.
    • Marital status: Married motorists generally pay lower premiums than single motorists, as they tend to have fewer accidents.
    • Credit score: Those with low credit scores often pay high insurance premiums.
    • Driving history: If you have car accidents or DUIs on your driving record, expect higher car insurance rates.
    • Vehicle type: Newer cars, models often broken into by thieves, and vehicles with below-average safety scores face higher costs.

    Cheapest Car Insurance By State

    Below, you’ll find Nationwide insurance rate estimates from select states for a 35-year-old driver with a clean driving record and good credit. These numbers provide ballpark pricing, so expect your quoted rates to vary.

    State

    Nationwide

    Annual Rate Estimate

    Alabama

    $1,025

    Arkansas

    $1,192

    Colorado

    $1,324

    Connecticut

    $1,683

    Delaware

    $1,943

    District of Columbia

    $2,538

    Georgia

    $1,256

    Iowa

    $872

    Kansas

    $1,070

    Kentucky

    $4,913

    Maryland

    $1,699

    Mississippi

    $1,218

    Montana

    $1,496

    Nebraska

    $929

    New Mexico

    $1,130

    New York

    $5,486

    North Carolina

    $1,056

    Ohio

    $703

    Oregon

    $1,067

    Pennsylvania

    $1,229

    Rhode Island

    $1,963

    South Carolina

    $1,380

    South Dakota

    $968

    Tennessee

    $1,220

    Texas

    $1,559

    Vermont

    $871

    Virginia

    $928

    Washington

    $1,167

    West Virginia

    $962

    Many of these Nationwide cost estimates are quite competitive for each state. Our team has broken down cost estimates based on a variety of situations and driver profiles below to highlight how Nationwide compares to the competition. To get a sense of what you’d pay for auto insurance, get free car insurance quotes from the company and other top insurance providers.

    Cheapest Car Insurance Estimates For Good Drivers

    Car Insurance Company

    Annual Rate Estimate

    USAA

    $1,013

    State Farm

    $1,339

    Geico

    $1,352

    Progressive

    $1,397

    Nationwide

    $1,533

    Allstate

    $2,429

    Cheapest Car Insurance Estimates For Young Drivers

    Car Insurance Company

    Annual Rate Estimate

    USAA

    $1,422

    Geico

    $1,627

    State Farm

    $1,765

    Progressive

    $2,029

    Nationwide

    $2,293

    Allstate

    $2,959

    Cheapest Car Insurance Estimates For Drivers With Poor Credit

    Car Insurance Company

    Annual Rate Estimate

    USAA

    $1,807

    Geico

    $2,077

    Nationwide

    $2,227

    Progressive

    $2,514

    State Farm

    $3,616

    Allstate

    $3,765

    Cheapest Car Insurance Estimates For Drivers With A Recent Car Accident

    Car Insurance Company

    Annual Rate Estimate

    USAA

    $1,428

    State Farm

    $1,671

    Geico

    $2,427

    Progressive

    $2,471

    Nationwide

    $2,545

    Allstate

    $3,798

    Nationwide Car Insurance Discounts

    Drivers can save on their premiums by taking advantage of Nationwide’s savings opportunities. Below are a few discounts Nationwide offers:

    Multi-Policy Discount

    Lowers prices for those bundling Nationwide auto and homeowners insurance

    Defensive Driving Discount

    Savings for drivers ages 55 and up who take defensive driving courses

    Safe Driver Discount

    Increases savings for motorists with no accidents or violations over the last 5 years

    Accident-Free Discount

    Saves money for drivers who haven’t been involved in accidents

    Good Student Discount

    Lowers rates for students with strong academic performance

    Anti-Theft Device Discount

    Decreases premiums on cars with anti-theft equipment

    Easy Pay Discount

    Reduces rates for those who set up automatic payments from their bank accounts

    Nationwide Auto Insurance Coverage

    Coverage choices for Nationwide policyholders range from basics such as collision and liability insurance to guaranteed asset protection (GAP coverage) and vanishing deductibles. You’ll find all your options for Nationwide coverage below:

    Liability

    Bodily injury liability (BI) insurance covers the medical expenses for other drivers and their passengers after an accident where you are at fault. Property damage liability (PD) insurance pays for damages to other drivers’ vehicles after an accident where you are at fault.

    Collision

    Collision coverage pays for damages that occur while your car is moving, either with another vehicle or a road hazard, or if you flip your vehicle.

    Comprehensive

    Comprehensive coverage pays for damages to your vehicle that are caused by animals or natural disasters. It also pays for repair or replacement costs if your vehicle is stolen or vandalized.

    Personal Injury Protection

    Personal injury protection (PIP) pays medical bills for you and your passengers after an accident. PIP may also pay for other expenses, such as lost wages.

    Medical Payments

    Medical payments (MedPay) covers medical bills for you and your passengers after an accident.

    Uninsured/Underinsured Motorist

    Uninsured/underinsured motorist coverage pays for damages to your vehicle if you are hit by another driver who does not have insurance or does not have enough insurance to fully pay for the cost of damages.

    Additional Nationwide Insurance Coverage Options

    Guaranteed Asset Protection

    Guaranteed asset protection pays the difference between your auto loan and your car’s depreciated value if it gets totaled.

    Roadside Assistance

    Roadside assistance provides help for flat tires, lockouts, fluid delivery, towing, and winching.

    Towing Coverage

    Towing coverage takes care of the costs of having your car towed after a breakdown.

    Rental Car Reimbursement

    Rental car reimbursement pays for your transportation needs while your car is in the shop for repairs.

    Accident Forgiveness

    Accident forgiveness pardons your first at-fault offense on the road.

    Vanishing Deductible

    Vanishing deductible options reduce your collision or comprehensive deductible by $100 for each year of safe driving.

    Total Loss Deductible Waiver

    Total loss deductible waivers remove your collision or comprehensive deductible in the event of a total loss.

    The vast majority of Nationwide insurance reviews speak highly of the provider’s range of coverage plans. While you are required to meet your state’s minimum coverage limits, it’s recommended to exceed these requirements for additional coverage.

    Nationwide holds an excellent A+ rating for financial strength from AM Best. This means that in the case of an accident, you’ll be covered by a reliable provider that can easily cover your financial needs.

    Nationwide Usage-Based Insurance

    Nationwide insurance reviews hold the company’s app-based SmartRide® and SmartMiles® programs in high regard. These usage-based insurance products adjust Nationwide customersauto insurance rates based on their driving habits.

    SmartRide provides motorists with driving feedback and rewards them for positive adjustments to their habits behind the wheel. SmartMiles reduces monthly rates for drivers who spend less time in their vehicles.

    The main downside to usage-based insurance policies such as SmartRide and SmartMiles is that an app constantly tracks drivers’ behaviors. On the other hand, the programs provide easy ways for motorists to receive some of the cheapest car insurance rates while becoming safer behind the wheel.

    Nationwide Insurance Mobile App

    The Nationwide insurance app has a superb 4.4-star rating out of 5.0 on the App Store and a 4.3-star rating out of 5.0 on Google Play. Drivers can view their ID cards, file insurance claims, get roadside assistance, and pay their premiums through the app.

    It’s common to find Nationwide insurance reviews in which customers speak highly of their experience on the company’s app. This is one aspect of Nationwide insurance that easily beats out much of the competition.

    Nationwide Insurance Reviews

    Better Business Bureau (BBB) rating: A+
    BBB complaints in last three years: 218
    J.D. Power customer satisfaction index: 876 / 1,000

    Nationwide is well-regarded in the industry, and the company holds an A+ rating and accreditation from the BBB. It also ranked above the industry average for its claims process in the J.D. Power 2020 U.S. Auto Claims Satisfaction Study℠.

    However, many Nationwide insurance reviews speak poorly of the company, which is fairly common with customer reviews across the industry. The insurer has an average customer rating of 1.2 out of 5.0 stars from the BBB. The company has a better rating on Google, where it holds a respectable average rating of 3.4 out of 5.0 stars.

    Data from the National Association of Insurance Commissioners (NAIC) reveals that negative Nationwide insurance reviews have some merit. Nationwide’s NAIC Complaint Index rating for private auto policies is 1.14, meaning the company receives 1.14 times the insurance industry’s average number of complaints.

    Positive Nationwide Insurance Reviews

    Favorable Nationwide insurance reviews speak to the company’s friendly customer service representatives and its ability to handle claims quickly and efficiently.

    This insurance company has been professional and helpful in all their dealings with me. I am impressed with how they actually care about my well-being.
    Corinne Sullivan via Google

    Nationwide has handled three auto claims for me. In every case, Nationwide has been prompt, helpful, concerned for our safety, and accommodating.
    Rosalind via Google

    Negative Nationwide Insurance Reviews

    Many negative Nationwide insurance reviews complain that the company’s claims process is ineffective and its coverage plans are overpriced.

    Worst insurance ever. They tell you everything is covered until something happens and then they look for any way not to pay you. Perhaps they should change their slogan to ‘Not on your side.
    April C. via BBB

    I had Nationwide when I got into an accident. I called them and made them aware of the situation and was told they would get back to me. I waited and waited at least one week. During that time I drove a wrecked vehicle 20 miles to work.
    David C. via BBB

    Nationwide Insurance Rating: 4.0 Out Of 5.0

    We give Nationwide insurance an overall score of 4.0 stars out of 5.0 for its impressive coverage options, A+ financial strength rating, and strong industry reputation. While many providers offer similar coverage and customer service standards at slightly cheaper rates, Nationwide is worth considering.

    Cost

    3.5

    Coverage

    4.5

    Reliability

    4.5

    Service

    3.5

    Overall Rating

    4.0

    About Nationwide Insurance

    Founded: 1926
    States available: All states except Alaska, Hawaii, Louisiana, and Massachusetts
    AM Best financial strength rating: A+
    Insurance types: Auto, motorcycle, home, renters, umbrella, travel, dental, identity theft, and life insurance

    For almost a century, Nationwide insurance has been offering quality policies to customers across the United States. The Columbus, Ohio-based company has grown over the years to become the eighth-largest auto insurer in the country, according to the NAIC.

    Nationwide provides an extensive range of auto insurance policies at relatively competitive rates. Customer reviews of Nationwide are quite mixed, but the company receives above-average marks for its claims process and financial stability.

    Other Recommendations For Car Insurance

    While it’s worth getting free quotes from Nationwide, multiple car insurance companies offer similar coverage options at lower average prices. The recommended insurers below hold reputations for top-notch customer service and offer affordable monthly premiums.

    Compare car insurance rates
    Answer a few simple questions to save money on your policy

    USAA: Best For Military Members

    Few insurance providers hold a better reputation than USAA. With extremely competitive rates and the industry’s highest marks in the J.D. Power 2021 U.S. Auto Insurance Study℠, it’s easy to understand why USAA insurance reviews are so strong.

    However, not all drivers will qualify for an insurance policy with USAA as it only offers plans to military members, veterans, and their families. If you fit into one of those categories, though, it’s worth considering an insurance policy from USAA.

    Geico: Best Overall Provider

    It’s hard to disapprove of a company with solid customer service, some of the industry’s lowest pricing, and superb financial strength. By combining all three factors, Geico earned its name as the Best Overall Provider in our experts’ review of the best car insurance companies of 2021.

    Geico holds an A+ rating from the BBB and an A++ rating from AM Best for financial strength. On top of that, Geico insurance reviews confirm that the company offers some of the cheapest car insurance in the industry.

    Frequently Asked Questions: Nationwide Insurance Reviews

    How We Rate Insurers

    Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

    • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
    • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
    • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
    • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

    *Data accurate at time of publication.