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Root or Nationwide: Which company is best for you?

Root and Nationwide both offer intriguing insurance options for drivers and homeowners. Read on to learn more about the carriers and decide which one is right for you.

Root car insurance

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3.0 Rating from The Zebra Question mark icon

Root was among the early adopters of telematics technology, which helps to assign insurance rates based on driving habits instead of traditional rating factors. In fact, the company aims to discontinue using credit scores — a practice it calls "discriminatory" — by the year 2025. Root car insurance could be a solid option for those with a clean driving history or those who drive limited mileage. 

Pros Cons
  • Fast-growing geographic availability
  • Potentially low rates for low-mileage and/or safe drivers
  • Few customer complaints, considering its size
  • Lacks the brand recognition of some more traditional insurers
  • Higher-than-average customer complaint ratio (NAIC)                                     
Learn more

Nationwide car insurance

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3.5 Rating from The Zebra Question mark icon

Nationwide is one of the largest car insurance companies in the U.S. Drivers can expect relatively affordable rates, a good variety of available discounts and a wide selection of coverages to bundle with their auto policy. Nationwide customers can combine auto insurance with homeowners, renters and life insurance policies, earning potential multi-line savings.

Pros Cons
  • Many coverage options
  • Telematics-powered policies
  • Cheaper-than-average rates
  • Plentiful discount options
  • Customer satisfaction scores are low
  • Frequent customer complaints (NAIC)                          
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Which company comes out on top?

Tie


This one is too close to call since each carrier caters to a particular customer segment. Drivers who use their vehicles infrequently might stand to benefit from Root's pricing strategy, while everyday drivers looking for bundling savings and unique coverages may more easily find what they're looking for with Nationwide

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Ratings comparison: Root vs. Nationwide

Unbiased third-party publications evaluate insurance companies, measuring claims satisfaction, the number of customer complaints and other factors. We've gathered some of these ratings to provide perspective on the two companies' customer satisfaction standards, complaint ratios and financial stability.

Root vs. Nationwide
Ratings comparison Root Nationwide
Financial strength (A.M. Best) Not Rated Superior
JD Power (claims satisfaction) Not Rated Average
JD Power (customer satisfaction) Not Rated Poor
NAIC rating Below Average Below Average
The Zebra's editorial review score 3/5 3.5/5
The Zebra's Customer Satisfaction Survey Not Rated 4.3/5

Which company scores best?

Nationwide


Not only was Nationwide evaluated by more entities than was Root, it earned decent marks for claims satisfaction and financial security, in addition to scoring a strong 4.3 out of 5 in The Zebra's in-depth customer satisfaction survey. Additionally, The Zebra's editorial reviews — taking into account myriad factors — placed Nationwide above Root.

The Zebra Customer Satisfaction Survey methodology

Findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2021.


Root vs. Nationwide: discount comparison

See below a comparison of the companies' discount options for car insurance.

Root vs. Nationwide: discount comparison
Discount comparison Root Nationwide
Good student
Multiple policies
Anti-theft device(s)
Good driver
Defensive driver
Affinity membership alum
eSign or ePay
Telematics
Annual Mileage

Telematics options: Root vs. Nationwide

Each of these companies stands as a solid option for drivers interested in usage-based insurance. Telematics sits at the heart of Root's product, powering its entire pricing strategy. Nationwide also offers telematics insurance in the form of its SmartRide program.

root logo
Root Insurance

Root is one of the most prominent telematics-first insurance companies. Root uses its telematics app to gather information and calculate customer premiums. Rates are then set based on the insured's driving habits and frequency, rather than solely on demographic and historical information like past driving record or credit history.

nationwide logo
Nationwide SmartRide

SmartRide is Nationwide's telematics offering. The primary benefit of the program is the opportunity it gives safe drivers to save money. The app tracks customers' driving habits and offers feedback to reduce risks and incidents on the road.

Zebra Tip: Turn to Root for telematics


Root sits at the vanguard of next-gen insurance technology, thanks to its intuitive app and usage-based pricing practices. 


Roadside assistance: Root vs. Nationwide

Find below summaries of the roadside assistance offerings available from Root and Nationwide.

Root

Every Root policy includes roadside assistance, helping drivers in the event of car trouble. One of the few extra coverages available from Root is rental car coverage. If you purchase this coverage, Root will reimburse costs up to a specific amount for a rental car until your vehicle is fixed or replaced after a collision. Root also reimburses its customers for rides through Lyft

 

Nationwide

Nationwide partners with Agero to provide roadside assistance services. Drivers who add roadside assistance receive access to:

  • Towing
  • Battery jump start
  • Fuel delivery
  • Flat-tire change
  • Winching services
  • Lock-out services
tow truck

Root vs. Nationwide: home insurance

Root and Nationwide both offer homeowners insurance. Consult our comparison below to find out which company might be the best fit for you and your home.

Root homeowners insurance review

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3.0 Rating from The Zebra Question mark icon

Root allows existing auto insurance customers to bundle homeowners insurance through a partnership with Homesite. Root home insurance is not available as a standalone insurance policy — a customer must be enrolled in Root's car insurance program to be eligible.

Though the company is seen as financially stable, it receives more customer complaints than average. Customers looking for top-notch customer satisfaction may do well to look into a policy with a more established carrier. In addition, Root homeowners insurance quotes can only be found via the company's mobile app, not its website. Root claims customers who bundle home and auto policies receive 10% discounts on their home insurance premium. 

 

  • Customer satisfaction (J.D. Power) — Not rated: Root’s home insurance partner, Homesite, is currently unrated by J.D. Power.
  • Claims satisfaction (J.D. Power) — Not rated
  • Financial strength — Excellent: Homesite’s financial outlook is considered stable by AM Best.
  • NAIC Rating — Above average: Homesite received more customer complaints than average, according to the National Association of Insurance Commissioners (NAIC).
Learn more

Nationwide homeowners review

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4.0 Rating from The Zebra Question mark icon

Nationwide is a popular option for homeowners insurance, due to its solid product offerings and relatively affordable rates. The company earned roughly average reviews from various third-party reviewers and consumers, placing 10th in The Zebra's Customer Satisfaction Survey. 

  • The Zebra Customer Satisfaction Survey — 4.3/5: Nationwide placed 10th overall in The Zebra's homeowners insurance customer survey. 
  • Claims satisfaction (J.D. Power) — Above average: J.D. Power's property claims satisfaction study for 2021 gave Nationwide an above-average score of 892 out of 1,000.
  • Customer satisfaction — (J.D. Power) — Below average: Nationwide earned below-average marks in J.D. Power's study of customer satisfaction. 
  • Financial strength — Superior: AM Best rates Nationwide an A+.
  • NAIC Rating — Above Average: Nationwide received fewer complaints than did other major homeowners insurance companies.
Learn more

Which company comes out on top?

Nationwide


Nationwide is among the most established homeowners insurance companies in America, and that's reflected in its solid ratings and reviews. It's worth noting that Root home insurance may be a great fit for existing Root car insurance customers, thanks to the 10% discount. 


Root vs. Nationwide: homeowners discount comparison

Nationwide and Root both offer home insurance discounts for customers. Compare these discounts head-to-head below.

ROOT VS. NATIONWIDE: HOMEOWNERS DISCOUNT COMPARISON
Discount comparison Root Nationwide
Claims free
Recent home buyer
Multi-policy
Early signing
Newer/more durable roof
Protective devices (smoke/burglar alarms, etc...)
New home construction

Zebra tip: Research potential discounts when choosing an insurance company


Both Nationwide and Root offer a strong collection of home insurance discounts. Be sure to do your due diligence to ensure you take advantage of as many of these clauses as possible when signing your contract.


Other insurance products and bundling options

Root and Nationwide offer a variety of insurance products, along with the option to bundle policies for extra savings. Compare product offerings from the two carriers below.

Nationwide vs. Root: other insurance products
Other products Root Nationwide
Boat insurance
Condo insurance
Life insurance
Homeowners insurance
Travel trailer insurance
Renters insurance
RV insurance
Motorcycle insurance
Mobile home insurance
Umbrella
ATV insurance
Pet insurance
Commercial insurance

Find the best insurance policy for your needs.

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No junk mail. No spam calls. Free quotes.

RECENT QUESTIONS

What on my driving record is raising my car insurance premium

There's a couple of things to consider here. First, the at-fault accident you had in January 2014 is over 3 years ago, so it shouldn't be impacting your premium anymore.
Mar 9, 2018 Stillwater, Minnesota

Does State Farm match auto insurance quotes with other companies?

In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.
May 7, 2019 Bentonville, AR

Does state farm require you have a police report to file a claim?

Most companies do not require you to have a police report to file a claim. Double-check with State Farm to make sure but you shouldn't have any problems.
Sep 26, 2018 Chesterfeild, MI

My car was towed by an apartment complex, will State Farm reimburse me for the towing cost?

Roadside assistance covers towing but it won't cover your car being towed by someone else. Your insurance company will not cover the cost of your car being towed from parking in the wrong location.
Aug 20, 2019 Crosby, TX

Ross Martin photo
Ross MartinManager, Content Quality

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers make informed decisions.

Ross holds a master's degree from Royal Holloway, University of London and has a background in copywriting and education. As a former teacher, he applies his educational skills to explain insurance concepts in ways that consumers can understand.

Ross's work has been cited by The New York Times, AxiosInvestopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.