Nationwide Auto Insurance Review (2024)

Nationwide offers various options for car insurance. If you’re looking for a customizable policy with a well-known and financially stable insurance provider, Nationwide could be an excellent fit for you.

However, the company has higher-than-average rates, and Nationwide auto insurance complaints say that customers aren’t pleased with the company’s claims process.

However, Nationwide ratings and reviews are mostly positive. So, shopping online for quotes from multiple providers is important before deciding on a coverage.

What You Should Know About Nationwide

This Nationwide car insurance review will go over the strengths and weaknesses of the company as it stands currently in the market.

Nationwide has an A+ (superior) financial strength rating with A.M. Best. The company also has an A+ rating with the Better Business Bureau (BBB). However, customer complaints about Nationwide claims on the BBB website suggest the company has room for improvement.

To learn more about Nationwide’s auto insurance rating keep reading.

Nationwide Insurance Claims Process

You might be wondering, “how does Nationwide pay claims?” Customers can call the Nationwide insurance phone number or the Nationwide claims number directly to start the claims process. Still, many policyholders say calling the Nationwide insurance claims phone number to file a claim isn’t as straightforward as it sounds.

How long does Nationwide take to process a claim? Nationwide insurance claims complaints say that Nationwide’s c car insurance claims take too long to finish while other claims get denied when they shouldn’t be. So if you’re planning to purchase an auto insurance policy with Nationwide, you may want to consider what policyholders say about the claims process.

Is Nationwide good about paying claims? Nationwide insurance financial strength is strong. Keep reading our expert Nationwide insurance review to learn more.

Nationwide Insurance Coverage Options

Nationwide offers several coverage options, including Nationwide gap insurance. Depending on what you’re looking for, you may find that Nationwide car insurance fits your needs.

Nationwide auto insurance coverage options include:

• Bodily injury liability
• Property damage liability
• Personal injury protection
• Uninsured/underinsured motorist
• Medical payments
• Collision
• Comprehensive
• Towing and labor
• Rental car expense
• GAP coverage
• Accident forgiveness
• Roadside assistance
• Vanishing deductible
• Total loss deductible waiver

Nationwide auto insurance coverages allow policyholders to customize their coverage to ensure they feel safe behind the wheel, with programs like Nationwide roadside assistance available to help if your vehicle breaks down.

Take a look at how their cheapest rates compare to other top insurance companies:

Nationwide vs. Competitors: Minimum Coverage Auto Insurance Average Rates

The company also offers extensive opportunities for discounts so individuals can save money on their insurance rates.

Nationwide Insurance Add-On Options

What is an add on to an insurance policy? There are several Nationwide add-on options customers can purchase with a Nationwide policy, including:

• Roadside assistance
• Rental reimbursement coverage
• GAP coverage
• Accident forgiveness
• Vanishing deductibles
• Total loss deductible waiver

The add-ons listed above will likely make an insurance policy with Nationwide more expensive, but they could also give you peace of mind when you’re driving.

Nationwide Insurance Rates Breakdown

So, how much is Nationwide car insurance per month? Your Nationwide auto insurance rates will depends on several factors, such as:

• Age
• Gender
• Marital status
• Car make and model
• ZIP code
• Credit score
• Driving history
• Coverage type

Nationwide insurance quotes tend to be high compared to competitors, but premiums with Nationwide still rest below the national average in most instances. Nationwide deductible options do vary to also help keep premiums low.

The table below shows annual auto insurance rates with Nationwide compared to other well-known insurance providers.

Compare rates now using our free comparison tool to get Nationwide car insurance quotes today.

Nationwide Auto Insurance Rates by Age

Age is one of the most influential factors in determining auto insurance rates. Because of their lack of experience behind the wheel, teenage drivers tend to have the highest auto insurance rates.

As drivers age, and gain experience, their auto insurance rates may start going down as long as they keep their driving records fairly clean. Compare the teenage rates above with the rates for adult drivers in this chart.

Senior drivers may see a slight bump in their average annual auto insurance rates, but not much.

Nationwide Auto Insurance Rates by Credit Score

Does credit score affect car insurance? Yes, another factor in determining auto insurance rates is your credit score. As you will see below, a higher credit score will help keep your auto insurance rates low.

Nationwide Auto Insurance Rates by Driving History

If you are a safe driver and keep your driving record clean, you have a good chance of keeping your car insurance rates low. Take a look at how your annual rates can change if you get a DUI or ticket or if you are found at-fault in an accident.

Find and compare Nationwide quotes with quotes from other insurance companies to ensure you get the coverage you want at the best price.

How Nationwide Compares Against Other Auto Insurance Providers

Evaluate Nationwide’s offerings against those of other providers to make an informed decision. Explore the comparisons below to gain insight into Nationwide’s competitive position within the industry.

Nationwide vs. Competitors: Full Coverage Auto Insurance Monthly Rates by Driving Record

To learn more about how providers stack up against each other, like Nationwide car insurance v. Geico car insurance, visit this page, who are the reputable auto insurance companies?

Nationwide Discounts Available

Nationwide Mutual Insurance Company offers several discount options to its policyholders. Nationwide auto insurance discounts include:

• Multi-policy
• Defensive driving
• SmartRide
• Anti-theft
• Nationwide SmartMiles
• Safe driver
• Accident-free
• Automatic payments
• Good student
• Paperless

According to the Nationwide website, discounts may help policyholders save up to 25% on their insurance rates. Utilizing Nationwide SmartRide can be one of the top-notch choices to save money on coverage.

Before committing to auto insurance with Nationwide, compare quotes from multiple providers to ensure you get the best deal on coverage.

Nationwide SmartRide Reviews

Wondering, what is Nationwide SmartRide? Nationwide’s SmartRide is a usage-based driving program allowing policyholders to save money by sharing some driving statistics with the company.

Policyholders can download the app to take advantage of the discounts available with SmartRide. Nationwide then monitors certain driving habits, like:

• Miles driven
• Braking patterns
• Acceleration patterns
• Idle time
• How often you drive between midnight and 5 a.m.

Regardless of your driving patterns, enrolling in SmartRide will never cause an increase in your insurance rates. Nationwide insurance mobile app features several other helpful options as well.

However, you could save money on your car insurance premium by enrolling in the SmartRide program. Take a look at how Nationwide’s rates vary compared to other top companies based on driving record:

Farmers Full Coverage Auto Insurance Monthly Rates by Provider & Driving Record

Insurance Company	Clean Record	One DUI	One Accident	One Ticket
	$160	$270	$225	$188
	$116	$194	$176	$136
	$139	$193	$198	$173
	$105	$250	$133	$106
	$174	$313	$234	$212
	$115	$237	$161	$137
	$105	$140	$186	$140
	$86	$112	$102	$96
	$99	$206	$139	$134
	$59	$108	$78	$67
U.S. Average	$119	$146	$173	$147

Learn more below on Nationwide car insurance ratings and entry your zip code into our free tool to speak with Nationwide insurance agents now.

How Nationwide Ranks Among Providers

When it comes to selecting the right insurance provider, Nationwide insurance reviews serve as a crucial resource. These Nationwide reviews offer invaluable insights into the experiences of policyholders across the country. 

Whether it’s evaluating customer service, claims processing, or coverage options, Nationwide insurance ratings and reviews provide prospective clients with a comprehensive understanding of what to expect.

Beyond numerical ratings, Nationwide testimonials offer firsthand accounts of individuals’ encounters with the company. These personal anecdotes often shed light on the practical implications of choosing Nationwide as an insurance provider. 

Nationwide insurance ranking is among the top 10 auto insurers in the industry. And both Nationwide home and auto insurance reviews are happy with their service experience.