Root vs Nationwide: Which is Better for You?
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
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.
Nationwide car insurance
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.
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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.
|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|
The Zebra Customer Satisfaction Survey methodology
Findings are based on an online quantitative survey of 4,794 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 2023.
|Affinity membership alum||✓|
|eSign or ePay||✓|
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 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.
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.
Roadside assistance: Root vs. Nationwide
Find below summaries of the roadside assistance offerings available from Root and Nationwide.
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 partners with Agero to provide roadside assistance services. Drivers who add roadside assistance receive access to:
- Battery jump start
- Fuel delivery
- Flat-tire change
- Winching services
- Lock-out services
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
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).
Nationwide homeowners review
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.
Root vs. Nationwide: homeowners discount comparison
Nationwide and Root both offer home insurance discounts for customers. Compare these discounts head-to-head below.
|Recent home buyer||✓||✓|
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|Protective devices (smoke/burglar alarms, etc...)||✓||✓|
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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.
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|Mobile home insurance|
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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.