Nationwide Insurance Review

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.

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Nationwide review and summary (updated for 2021)

 

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4 Rating from The Zebra

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 reviews — table of contents:
  1. Nationwide auto insurance
  2. Nationwide bundling options
  3. Nationwide homeowners insurance
  4. Nationwide Private Client
  5. How to cancel a Nationwide insurance policy
  6. Online features
  7. Nationwide Insurance carrier comparison

 


 

Nationwide auto insurance review

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3.5 Rating from The Zebra

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.

  • JD Power Rating — Above average: JD Power's 2020 claims satisfaction study rates Nationwide an 876 out of 1,000, placing it just above average in terms of overall customer service and satisfaction.
  • Financial strength — Superior: AM best rates Nationwide an A+, which means that you don't need to worry about the company's ability to pay out insurance claims.
  • NAIC Rating — Below average: According to the National Association of Insurance Commissioners (NAIC), Nationwide received more complaints compared to other major car insurance companies.
  • The Zebra consumer survey — 4.2/5 — A survey conducted by The Zebra found Nationwide customers were generally happy with their experiences. Customers aged 57 and older were more positive about their Nationwide experience than were younger drivers.  

 

Where is Nationwide car insurance available?

Nationwide offers personal auto insurance policies in the District of Columbia and the following 46 states:

CompanyStates available

Nationwide car insurance

AL, AZ, AR, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, IA, KS, KY, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY

 

Is Nationwide car insurance for you?

Good for:
Bad for:
  • Drivers who want robust, customizable coverage
  • Drivers looking to bundle multiple policy types
  • Those who value online and mobile insurance access
  • Those interested in telematics programs

 

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Nationwide car insurance coverage options

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 coveragepersonal injury protection (where applicable), medical payments and more. Read on to find out more about some of Nationwide's unique coverage options.

 

Towing and labor coverage

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.


Vanishing deductible

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.


Accident forgiveness

Nationwide understands that accidents happen. If you opt into accident forgiveness, Nationwide will forgive your first at-fault accident.


Total loss deductible waiver

If your vehicle is deemed a total loss, Nationwide will waive your comprehensive or collision deductible.


Coverage for Uber and Lyft

In order to protect customers who drive for Uber and Lyft, Nationwide offers rideshare coverage.


Rental reimbursement coverage

If your vehicle is damaged in a collision, this coverage will reimburse your rental car costs.


Gap coverage assistance

If your vehicle is totaled in an accident, gap coverage pays the difference in what you owe and your vehicle's depreciated market value.

 

Nationwide auto insurance discounts and benefits

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.


Multi-policy discount

Nationwide advertises average savings of around 20% for a home-and-auto policy bundle


Good student discount

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.


Safe driver

If you steer clear of major accidents or violations for at least five years, you can earn this discount.


Easy Pay sign up

By linking your bank account to your Nationwide policy, you can earn a discount.


Affinity member

Nationwide partners with hundreds of organizations — alumni organizations, professional groups and special interest associations — to offer discounts. 


Defensive driving

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.


Accident-free

Automatically earn a discount if you’ve maintained an accident-free driving record.


Anti-theft device discount

If your vehicle is equipped with anti-theft devices, you can earn this discount. You may need to show proof of installation.

 

Nationwide telematics

Nationwide's telematics offerings may offer additional savings, depending on your driving habits. These options may not be available in all states.

SmartRide

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.

SmartMiles

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.

 

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How much does Nationwide car insurance cost?

Using the following methodology, we compiled average rates from Nationwide and other top insurers to see how they compared.

Nationwide Auto Insurance vs. Competitors.png
Insurance CompanyAverage Monthly Cost
Nationwide$90
Progressive$104
State Farm$108
USAA$106
Nationwide vs. Competitors by Age Group.png
Insurance CompanyTeens20s30s40s50s60s
Nationwide$287$122$111$83$76$77
Progressive$425$137$120$99$90$93
State Farm$281$142$106$104$98$96
USAA$278$129$95$92$87$89
Nationwide vs. Competitors by Violation.png
Insurance CompanySpeeding TicketAt-Fault AccidentDUI
Nationwide$140$159$246
Progressive$148$181$153
State Farm$130$135$157
USAA$113$128$184

 

Where is Nationwide auto insurance cheapest?

Nationwide ranks as one of the top three cheapest insurance companies in the following two states.

StateMonthly Premium
Ohio$61
West Virginia$107

 


 

Nationwide insurance bundling options

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:

Insurance type
 

 

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Nationwide homeowners insurance review

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4 Rating from The Zebra

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. 

  • JD Power Rating — Average: According to its 2021 claims satisfaction study, JD Power rates Nationwide 892 out of 1000 in terms of overall customer service and satisfaction, placing them well above average. The 2020 homeowners insurance study, however, places them below average. 
  • Financial strength — Superior: AM best rates Nationwide an A+. You don't need to worry about the company's ability to pay out insurance claims.
  • NAIC Rating — Above average: According to the National Association of Insurance Commissioners (NAIC), Nationwide received fewer complaints than other major homeowners insurance companies.

 

Where is Nationwide homeowners insurance available?

Nationwide home coverage is available in 43 states and the District of Columbia. See the following list for more details.

CompanyStates available

Nationwide homeowners insurance

AL, AZ, AR, CA, CO, CT, DC, DE, GA, ID, IL, IN, IA, KS, KY, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NC, ND, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY

 

Is Nationwide home insurance right for you?

Good for:
Bad for:
  • Those looking for an affordable, robust policy at many coverage levels
  • Those looking to bundle multiple types of insurance coverage with the same insurer
  • Those who value customer service and claims satisfaction
  • Homeowners looking for a variety of discounts

 

 

Nationwide homeowners insurance options

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.  

 

Brand New Belongings®

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. 

 

Better Roof Replacement®

If your roof is damaged by a covered peril, Nationwide will replace your roof with stronger, more durable materials.

 

Other homeowners options

The following are some of the home coverage options available to add to your Nationwide homeowners insurance policy. 

  • Identity theft: Helps keep your identity and private data safe. 
  • Valuables Plus®: Provides additional coverage for high-value items like art and jewelry.
  • Replacement cost plus: Provides for rises in building materials that could increase the cost to replace your house to its original standard.
  • Water backup: Covers you in the event of a drain or sewer backup.
  • Earthquake: Added coverage that can help you in the event of an earthquake. Subject to a separate deductible. 
  • Flood insurance: Nationwide lists flood insurance as an available add-on, but the policies are actually written through the National Flood Insurance Program (NFIP).

 

Nationwide homeowners insurance discounts

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:

  • Home security system: Having a home monitoring system can lead to rate reductions.
  • Home purchase: You can save if your home was purchased within the past 12 months.
  • Prior insurance: Homeowners who have been continuously insured can see a discount when signing up with Nationwide.
  • Roof rating: The right roof type and roof age can lead to discounts.
  • Claims-free: Staying claims-free is always a great way to keep premiums low.
  • Home renovation: If you renovate some of your home's basic systems (plumbing, electrical, etc.) you can see a discount.
  • Gated community: For those lucky enough to live in a constantly surveilled gated community, rates are likely to be lowered.

 

How much does Nationwide home insurance cost?

See our rate analysis below of how Nationwide's average rates compare with those of competitors.

Nationwide vs. Competitors (1).png
Insurance CompanyAverage Monthly Cost
Nationwide$117
AAA$109
Allstate$119
Farmers$161
Liberty Mutual$133
State Farm$139

 

Where is Nationwide homeowners insurance cheapest?

There are three states in which Nationwide is among the top three cheapest options for homeowners insurance:

StateMonthly Premium
Arkansas$152
Delaware$33
Virginia$69

 


 

Nationwide Private Client

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.

 

Auto insurance

There are many perks to a Nationwide Private Client car insurance policy, including the following: 

  • Increased uninsured/underinsured coverage: Offers protections against those without insurance up to $1 million. 
  • Gap coverage: Pays the difference between what you owe and a totaled vehicle's depreciated value. 
  • Rental car reimbursement: In a covered loss, you'll face no daily limits on a rental car that is similar to yours.
  • OEM parts: Original equipment manufacturer parts coverage ensures that your automobile is repaired with the same quality of parts.
  • Roadside assistance: Help for dead batteries or flat tires for all of your household's vehicles in the event of car trouble.
  • Coverage for rented vehicles: If renting a vehicle, your policy's physical damage coverage is extended to the rental.

 

Home insurance

Nationwide Private Client home insurance offers a number of benefits not typically found in standard homeowners insurance policies, including the following:

  • Agreed replacement cost: Replaces your home to its original state even it costs over your coverage limits.
  • Replacement cash-out: Those who don't wish to rebuild after a total loss can simply choose a cash-out option.
  • Temporary arrangements: Essentially, this is the luxury version of standard additional living expenses coverage, taking care of your expenses if your home is rendered uninhabitable.
  • Accidental breakage: Covers expensive breakables with limits of up to $50,000.
  • Identity theft assistance: Helps keep your identity and personal records safe.

 

Private collections

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.

 

Excess liability

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.

 


 

How to cancel a Nationwide insurance policy

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.

 

Can I cancel my Nationwide policy online?

You cannot cancel a Nationwide policy online at this time.

 


 

Nationwide online features and app

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:

  • Online account management
  • Make changes to your policy
  • Bill pay
  • Filing and tracking claims

 

Nationwide mobile options

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:

  • Access ID cards
  • Pay your bill
  • Get roadside assistance
  • File claims
  • Contact agents
  • Receive quotes for home, renters, and auto insurance
  • Manage account settings and info

 


 

Compare Nationwide with competitors

Learn more about Nationwide at nationwide.com.

 


 

Is Nationwide insurance right for you?

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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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com and Kin Insurance.

About The Zebra

The Zebra is not an insurance company. We’re an independent, unbiased partner for consumers, on a mission to help you compare insurance options apples-to-apples, so you can make a truly informed decision. We’re proud because: