Nationwide Insurance Reviews, Coverage Options, and Ratings in 2019

The Zebra
July 31, 2019

Nationwide Car Insurance Reviews, Coverage Options, and Ratings for 2019


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3.0 Rating from The Zebra

Founded nearly 100 years ago, Nationwide offers a wide variety of insurance and financial products. The Ohio-based insurance company offers life, home, auto, and pet insurance policies. Let's explore the ins and outs of Nationwide's auto insurance products to help you decide whether it's the right company for you.


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JD Power Rating — Below Average: JD Power gave Nationwide an overall rating of 2 out of 5 in 2018.

Financial strength — Superior: With an A.M. Best rating of Superior, there's no need to worry about Nationwide’s ability to pay out claims.

NAIC Rating — Average: Compared to the market median, Nationwide has an average rate of customer complaints.

 

 

JD Power Rating — Below Average: JD Power gave Nationwide an overall rating of 2 out of 5 in 2018.

Financial strength — Superior: With an A.M. Best rating of Superior, there's no need to worry about Nationwide’s ability to pay out claims.

NAIC Rating — Average: Compared to the market median, Nationwide has an average rate of customer complaints.

 

 

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Nationwide car insurance coverage options

Nationwide offers all basic types of insurance coverage — liability, collision, and comprehensive. Let’s explore the unique aspects of Nationwide’s coverage options that set it apart from other insurance companies.


Towing and labor coverage

Nationwide offers a roadside assistance package, providing 24/7 help to any customer 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 customers 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.


Accident forgiveness

Nationwide understands that accidents happen. If you opt into this additional coverage, 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.

 

Nationwide auto insurance discounts and benefits

In addition to the programs we listed above, Nationwide also offers some ways to save. Below are highlights of Nationwide's discounts and reward programs.


SmartRide

SmartRide is Nationwide’s usage-based 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.


Multi-policy discount

Nationwide advertises average savings of $710 per policy period via a home-and-auto policy bundle. This discount also applies to renters, condo, or any other Nationwide policy — although the insurance premium savings might be smaller with a less-expensive bundle.


Good student

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 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 interests 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

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

 

Additional lines of insurance

Nationwide offers many different types of insurance.

  • Homeowners insurance
  • Life insurance
  • Pet insurance
  • Renters insurance
  • Condo insurance
  • Boat insurance
  • Motor home insurance
  • Business insurance
  • Off-road vehicle insurance 

Is Nationwide the best insurance company for you?

While Nationwide's customer satisfaction ratings — according to JD Power — are a little low, the company provides access to local insurance agents who can give you personal attention.

One aspect of Nationwide we did not discuss is cost. Because car insurance is so driver-specific, it’s difficult to say how much you'll pay for a policy through Nationwide. To find an affordable rate, your best bet is to shop around and compare insurance quotes from as many companies as possible. Enter your ZIP code below to get started.

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