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Nationwide earned an overall score of 4.2/5 in The Zebra's consumer survey. The company offers customizable coverage but may not be a good fit for high-risk drivers.
Over nearly 100 years, Nationwide has built an impressive array of insurance and financial products. Recognizable for its memorable jingle and commercials featuring the likes of Peyton Manning and Brad Paisley, the company continues to grow in stature and in its product offerings. The Ohio-based insurance company offers life, home, auto and pet insurance policies, along with other lines. The company has also expanded into financial services, with its subsidiary company — Nationwide Financial Services — focusing on annuities, retirement plans, investments and business insurance.
Read our detailed review of Nationwide's auto and home insurance products to help you decide whether it's the right company for you.
Nationwide is one of the most popular car insurance companies in the country. It's known for affordable rates and for offering a wide variety of coverage options. In this review, we'll look at Nationwide's average rates and some unique aspects of Nationwide’s insurance coverage options that set it apart from other insurance companies.
Nationwide offers personal auto insurance policies in the District of Columbia and the following 46 states:
Nationwide car insurance
Nationwide car insurance can likely provide all the coverage you need, whether you're seeking basic state-mandated liability coverages or full coverage insurance for a high-value vehicle. These coverages include comprehensive and collision coverage, uninsured motorist coverage, personal injury protection (where applicable), medical payments and more. Read on to find out more about some of Nationwide's unique coverage options.
Nationwide offers a roadside assistance package, providing 24/7 help to any policyholder stranded by an inoperable vehicle. Whether you’ve had an accident or you need a battery recharge, this coverage can get you moving again.
Nationwide rewards motorists who have remained accident-free. For each year in which you aren't involved in a collision, Nationwide knocks $100 off your deductible, up to a maximum of $500. Learn more about vanishing deductibles.
Nationwide understands that accidents happen. If you opt into accident forgiveness, Nationwide will forgive your first at-fault accident.
If your vehicle is deemed a total loss, Nationwide will waive your comprehensive or collision deductible.
If your vehicle is damaged in a collision, this coverage will reimburse your rental car costs.
If your vehicle is totaled in an accident, gap coverage pays the difference in what you owe and your vehicle's depreciated market value.
In addition to the programs we listed above, Nationwide also offers some ways to save that are competitive with other car insurance companies. Below are highlights of Nationwide's discounts and reward programs. See more information on common discounts for car insurance.
Nationwide advertises average savings of around 20% for a home-and-auto policy bundle.
If you or someone on your insurance policy is aged 16 to 24 and maintains a B average or better, you can qualify for this student discount.
If you steer clear of major accidents or violations for at least five years, you can earn this discount.
By linking your bank account to your Nationwide policy, you can earn a discount.
Nationwide partners with hundreds of organizations — alumni organizations, professional groups and special interest associations — to offer discounts.
Completing a state-approved defensive driving course can earn you this discount. Depending on your state, you may need to be 55 or older to be eligible.
Automatically earn a discount if you’ve maintained an accident-free driving record.
If your vehicle is equipped with anti-theft devices, you can earn this discount. You may need to show proof of installation.
Nationwide's telematics offerings may offer additional savings, depending on your driving habits. These options may not be available in all states.
SmartRide is Nationwide’s telematics insurance program. Using an in-car plugin and mobile app, SmartRide tracks the way you drive in order to more accurately determine your car insurance rates. It also provides feedback in an effort to encourage safe driving.
The Nationwide SmartMiles program is the company's mileage-based insurance program. Those who don't drive often could potentially save money with this program, as it rewards low-mileage drivers with cheaper rates.
Using the following methodology, we compiled average rates from Nationwide and other top insurers to see how they compared.
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|Insurance Company||Speeding Ticket||At-Fault Accident||DUI|
Nationwide ranks as one of the top three cheapest insurance companies in the following two states.
Nationwide offers many different insurance products, many of which can be bundled together for possible savings. Bundling allows you to combine your auto policy and homeowners insurance through the same company. Bundling insurance policies can also remove hassles by having all of your insurance needs under one roof instead of through multiple different companies. Bundling discounts also apply to renters, condo or any other Nationwide policy — although the insurance premium savings might be smaller with less-expensive insurance bundles. Contact an insurance agent to find the best home and auto insurance bundles or to learn more about the benefits of bundling.
While some of the following coverage types may not be available in every state, the following are some of the more popular insurance types offered by Nationwide:
Nationwide is among the top home insurance providers in the country. The homeowners insurance coverage offered by Nationwide ranks well among most of our metrics, meaning that the average policyholder can expect a reasonably high level of customer service and claims satisfaction. The company's offerings are fairly in line with most other major homeowners insurance companies, including basic coverages for your dwelling, personal liability and more. On top of its standard homeowners coverage, Nationwide also offers its Private Client program. This program caters to those with a higher net worth and more assets to protect and is discussed later on.
Read our Nationwide homeowners insurance review to see if the company's offerings are right for you.
Nationwide home coverage is available in 43 states and the District of Columbia. See the following list for more details.
Nationwide homeowners insurance
Nationwide provides all of the standard coverage options: dwelling, other structures, personal property, medical payments, personal liability and additional living expenses. Coverage limits for these options are adjustable based on your needs.
Nationwide first offers an insurance payout that replaces your belongings at their depreciated value. However, once your new belongings are purchased, you can send them receipts and they will cover the difference. This is similar to a company just covering your personal property at replacement value, though more of the burden is shifted to the customer.
If your roof is damaged by a covered peril, Nationwide will replace your roof with stronger, more durable materials.
The following are some of the home coverage options available to add to your Nationwide homeowners insurance policy.
Nationwide customers can benefit from reduced rates or discounts if they meet certain criteria. Below are some of the most popular Nationwide home insurance discounts:
See our rate analysis below of how Nationwide's average rates compare with those of competitors.
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There are three states in which Nationwide is among the top three cheapest options for homeowners insurance:
For customers seeking coverage for high-value homes or luxury automobiles, Nationwide's Private Client program could be just the option. This highly customizable coverage is designed for high-net-worth individuals with insurance needs that differ from the average consumer. Insurance options available under this program include auto, homeowners, personal collections and excess liability. Read about these coverage options in more detail below.
There are many perks to a Nationwide Private Client car insurance policy, including the following:
Nationwide Private Client home insurance offers a number of benefits not typically found in standard homeowners insurance policies, including the following:
This coverage helps protect valuable collectibles or artwork. It offers market value protections and even covers things such as damages that occur during restorations or repairs.
This coverage extends well beyond the limits of basic liability found in most standard homeowners insurance policies. It is primarily meant to safeguard your assets in the event that you are sued. It covers all of the standard perils as standard liability insurance but extends to cover things like expanded defense costs and employment practices liability. Excess liability can apply while you are driving as well, covering up to $5 million against uninsured or underinsured drivers.
Canceling your Nationwide insurance policy is done by contacting your Nationwide agent. If you do not have a Nationwide insurance agent, contact Nationwide directly at 877-669-6877. Most often you will not face a cancellation fee from Nationwide, though this may depend on how long you've had your current policy.
You cannot cancel a Nationwide policy online at this time.
As is the case with most major insurance carriers, Nationwide customers have many online options for handling their policy. While more pressing issues can still be handled by speaking directly with an agent, the following can be handled online:
Nationwide was an early adopter of mobile technology, launching its first app in 2009. The app has continually advanced and is currently set up for facial recognition or touch ID login. Apple Pay can also be used for payments. In the Nationwide mobile app, you can add a vehicle by simply scanning the VIN.
In addition to the features listed above, you can do the following through the app:
Learn more about Nationwide at nationwide.com.
Nationwide is a company that can appeal to a large segment of the population. Whether you are a high-net-worth individual looking to insure your art collection or a young driver just out of college, Nationwide likely has a policy for you. The company's wide-ranging coverage options could also be attractive as bundling multiple policy types may offer savings on your premiums. Nationwide's customer satisfaction ratings — according to JD Power — mostly hover at or above average, and the company has a large number of local insurance agents who can give you personal attention. Likewise, the company was one of the first to invest in online options, meaning they value giving customers online access and offer multiple telematics options as well.
Because insurance is so customer-specific, it’s difficult to say how much you'll pay for a policy through Nationwide. In general, the best way to find an affordable rate on your auto or home policy is to shop around and compare insurance quotes from as many companies as possible. Enter your ZIP code below to get free home and auto insurance quotes from many of the nation's top companies.
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