Insurance » Auto Insurance Reviews » Nationwide Car Insurance: 2022 Review
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Nationwide Car Insurance: 2022 Review

Nationwide car insurance is great choice if you have a spotless driving record as you will be treated to some of the cheapest rates available
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Mann (Silvermann) is an experienced investor, financial expert and founder of The Smart Investor. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.

Review & Fact Check: Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Financial Expert, The Smart Investor CEO

Experience

Baruch Mann (Silvermann) is a financial expert and founder of The Smart Investor. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Mann (Silvermann) is an experienced investor, financial expert and founder of The Smart Investor. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.

Review & Fact Check: Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Financial Expert, The Smart Investor CEO

Experience

Baruch Mann (Silvermann) is a financial expert and founder of The Smart Investor. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Nationwide Car Insurance Review

Known for its catchy commercials, Nationwide is excellent for you if you have a spotless driving record, as you will be treated to some of the cheapest rates available. However, if your driving history has some blemish, you might want to look elsewhere for coverage.

Seniors will find this company more appealing than youngers as rates tend to get cheaper the older you get. However, despite these pros, Nationwide only offers 6-month terms and tends to be less pricey than other providers.

Car Insurance premium Per Credit Score - geico, allstate, nationwide, state farm, erie insurance

* Estimated premiums, based on our research. Your actual rate depends on your unique personal details.

BBB Rating

A+

NAIC Index

0.43
nationwide-logo
nationwide-logo
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Better Business Bureau

A+

NAIC Complaint Index

0.43

J.D. Power satisfaction

4.08/5

PROS

CONS

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Benefits

You can rest assured that Nationwide auto insurance can cover all of its insurance obligations as it boasts of over $2 billion in assets.

According to our research, Nationwide is among the cheapest car insurance companies in the industry, especially customers with good credit score.

Nationwide’s network of auto repair shops consists of vehicle repair centers that guarantee remarkable services for your insured car.

Nationwide provides its customers with different educational and empowerment tools and resources. These tools are designed to help members drive better and get cheaper rates.

Nationwide provides customers with a fully functional app that allows you to do virtually anything related to your insurance policy on the go, such as making payments, filing claims, receiving roadside assistance, etc. The Nationwide insurance app is available to download for iOS and Android users.

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Drawbacks

If you use your car for ride-sharing services, you might need to look for coverage elsewhere if you want protection in that area.

Nationwide offers small number of available discounts compared to the industry average.

Nationwide JD Power rating is below average and reflect lower customer satisfaction. Although there are many communication channels to reach the customer service, there are many customer complaints regarding inconsistent answers from some customer care representatives.

Customer Experience & Satisfaction Rating

Nationwide
NAIC’s Index The Complaint Index Ratio Table shows consumer complaints filed with the Department of Insurance. Above average rate means a less complaints than the median while below Average means higher complaints compared to other insurers
Above Average
BBB The BBB rating system relies on an A+ through F letter-grade scale. The grades represent BBB's degree of confidence that the business is operating in a trustworthy manner and will make a good faith effort to resolve any customer concerns filed with the BBB.
A+
JD Power J.D. Power rankings are your guide to finding which products or services ranked highest in J.D. Power Consumer Studies. All rankings are based on the opinions of a sample of consumers from a variety of industries who have used or owned the product or service being rated
Below Average
AM Best AM Best assigns credit ratings that evaluate an insurance company's creditworthiness, or the probability that the company will default on its obligations.
A+
iOS App
4.8
Android App
4.2

From the Better Business Bureau, Nationwide has an A+ rating which means it's a able company and would be able to meet its financial commitments . From the JD power surveys, the score is below average which means customers aren't satisfied from the way Nationwide handling customers requests. You can contact Nationwide by phone or via their website.

However, Nationwide got above average ratings From the NAIC’s Index, means lower complains compared to industry standards .

Basic Coverage

Nationwide car insurance offers basic products provided by most auto insurers such as Liability Coverage, Comprehensive Car Insurance, Personal Injury Protection, and the likes. The company also has some unique extras such as SmartRide, Farm Bureau, etc.

One add-on that is visibly missing is a ride share protection policy that a number of other policy providers offer. You can take advantage of quite a lot of bundling options with Nationwide that you won’t easily find with other insurance firms.

At Nationwide, you will find the following coverage options for your car: 

  • Liability coverage – This covers the expenses in an accident where you damage a car or injure others.
  • Collision coverage – Covers any damages to your vehicle if you collide with another vehicle or object.
  • Comprehensive car insurance – A more holistic policy that covers you in different situations.
  •  Medical payments – Pays for medical fees resulting from an accident no matter who is at fault.
  • Uninsured motorists’ coverage – Covers any bodily injuries or property damages if an uninsured/underinsured driver is at fault in a loss.
  • Personal injury protection – Covers medical, rehabilitation, work loss, replacement, and even funeral costs.
  • Property damage liability – Pays for any property damages caused by your car.
  • Roadside and accident assistance – Refunds any expenses related to towing and other roadside assistance if your vehicle breaks down during travel.

Extra Coverage Options

With Nationwide, you can benefit from the following add-ons: 

  • SmartRide – Asides an initial signup discount, you can get up to another 40% discount for safe driving when the SmartRide device is fitted in your car.
  • Vanishing deductible – Reduces your deductible by $100 for every year your accident cost doesn’t amount to $500.
  • Accident forgiveness – Protects you from a rate increase after your first at-fault accident.
  • Farm Bureau – If you belong to any associated farm bureau, Nationwide will offer you discounts and accommodations.
  • Family plan – Any family member you include in your policy can enjoy the same discounts and benefits available to you.
  • Learning center – Get access to different educational tools regarding car insurance and driving on the Nationwide website.
  • On Your Side auto repair network – The auto repair centers affiliated with Nationwide provide adequate service and repairs for your vehicles.
  • Member connections – Take part in Nationwide’s public events where you can share your insurance experience with other members.
  • Plenti rewards program – You can enjoy discounts and cashback rewards at top retail locations across the U.S.
  • Auto Watch. You can monitor your vehicle’s repair online via the Auto Watch program.

How's Nationwide Telematics App?

On top of these benefits, Nationwide also has two unique programs to incentivize driving: SmartRide and SmartMiles. SmartRide is an app that tracks your safe driving and makes you eligible for discounts.

SmartMiles is a program that saves you money if you aren’t a frequent driver. It’s a pay-per-mile program that charges a base rate and the premium depends on your previous month’s driving. SmartMiles could save an infrequent driver an extra 10% for safe driving.

How to Apply For a Car Insurance on Nationwide?

Step 1:

To get a quote, simply type in your Zip Code in the space provided on the National Insurance website. You’ll be taken to a page where you’ll fill in your personal information, click on save and continue to proceed.

Nationwide car Insurance - How to get a quote 1

Step 2: 

The next page is a continuation of your personal details (including address, marital status, email address, and more). Next, you'll fill in the details of the car you want to insure.

Nationwide car Insurance - How to get a quote 2

Step 3: 

When you're done, click on continue or add another vehicle if you wish to cover more than one vehicle. Next, you'll be required to fill in the details of everyone who lives in your home, including non-drivers. That's all that is needed, and your quote should appear based on all the details you entered.

Nationwide car Insurance - How to get a quote 3

Step 4: 

You can also download your quote as a PDF file. Click on continue if the price is okay for you.

How to File a Claim?

In the event that a loss occurs and you need to file a claim, Nationwide has made it relatively easy for customers. You can do any of these:

  • Log in to your account on the website or the app and file a claim
  • Call the claims hotline of Nationwide on 1-800-421-3535
  • Get in touch with your local agent

No matter the claims channel you choose, you will need to submit the following information:

  • Your name and address
  • Information regarding witnesses or injured individuals
  • Information about the accident
  • Nationwide policy number

After your claim has been officially filed, Nationwide will assign a claims professional to handle your situation. If you need it urgently, you can try streamline the claims process.

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Auto Insurance Discounts

Nationwide offers a wide range of discounts for its customers. These savings are relatively easy to take advantage of. Here is a list of available discounts with Nationwide auto insurance and how you can receive them:

DiscountHow do you receive it?
Accident-freeHave a minimum of five years of safe driving.
Multi-policyBundle a number of insurance policies with Nationwide such as home, life, and auto policies.
Anti-theftEquip your car with a standard anti-theft device.
SmartRideSignup and install the SmartRide device that tracks safe driving.
Paperless documentsStart making use of paperless documents.

Nationwide FAQs

Nationwide Insurance may be widely known for its car insurance policies, but it also offers life, home, and pet insurance services.

The Ohio based company has been providing coverage for its clients since 1925, and you can access the auto insurance policy of Nationwide insurance in all 50 states of the U.S. 

Nationwide has a solid reputation for dealing with its policyholder’s car insurance claims. The insurer scores well in claims satisfaction reviews, highlighting that Nationwide takes claims seriously and aims to deal with a claim as quickly and thoroughly as possible.

This should provide confidence that if you do have a claim issue, you can rely on a quick response.

Nationwide is not available in all states. In addition to the District of Columbia, it is available in 46 states. The states where Nationwide car insurance is not available include Alaska, Hawaii, Louisiana, and Massachusetts.

This means that if you’re in one of these four states, you will not be able to access Nationwide car insurance products.

Nationwide offers a good variety of coverage and policyholder benefits. You can choose the type of coverage you need, but Nationwide also helps you to get an annual checkup of your policies to ensure that you have adequate coverage.

You can also access a number of discounts to keep your premiums in check and buy your auto insurance policy.

According to Progressive review, it has a decent reputation for offering customer support and dealing with claims. Additionally, it is available in all 50 states, which may give it a slight edge over Nationwide. However, Nationwide is considered one of the best insurers at dealing with claims quickly and efficiently.

Nationwide also offers a variety of policyholder benefits and provides access to annual policy checkups, so you can check your coverage and that you’re not paying over the odds for coverage that you don’t actually need. This means that Nationwide may be the better choice for you compared to Progressive.

Unlike Nationwide, Liberty Mutual is available in all 50 states, but the coverage options and policy features can vary from state to state.

As with Nationwide, Liberty Mutual's excellent reputation for dealing with claims makes it a good choice for high-risk drivers. In fact, you can use the Liberty Mutual app to file a claim in less than 10 minutes and access 24/7 support. However, this does come at a cost.

Liberty Mutual is considered to be one of the more costly car insurance options, so you are likely to find that Nationwide offers a better deal without compromising on customer support.

So, although Liberty Mutual may not be the cheaper option, it certainly offers far more coverage options, so you can find a policy that meets your specific requirements.

Unlike The Hartford AARP, Nationwide only actually operates in 46 states. However, Nationwide does offer a great variety of coverage and customer benefits. This allows you to tailor your coverage to suit your needs and Nationwide provides annual policy check ups to ensure you continue to have adequate coverage.

The advantage of Hartford AARP is that it's more of a specialist insurer, offering coverage for members, with exclusive benefits such as lifetime car repair assurance that are tailored towards the over 50s.

So, unless you are under 50 and have concerns about your coverage level, The Hartford AARP is likely to be a better choice.

While Mercury Auto has a limited coverage area, Nationwide operates in 46 states. This makes Nationwide more accessible. Additionally, Nationwide has an excellent reputation for dealing with claims promptly. This insurer offers a variety of policy options and add ons, allowing you to create tailored coverage.

However, Mercury Auto is a budget insurer. So, if you are more concerned with getting the cheapest coverage, with a bare bones policy and you’re in a Mercury Auto covered state, you may find it more appealing.

Find Alternative Car Insurance Providers

State_Farm_logo
liberty-mutual logo
Progressive_logo
Best For
Customer Service
High Risk Drivers
Telematics App
Telematics App Telematics is a method of measuring your driving. It's a black box or a mobile phone app that tracks how fast you drive, how quickly you brake, and whether you're a safe driver in general. It's frequently used to assist young or inexperienced drivers in obtaining lower-cost auto insurance.
Drive Safe & Save
RightTrack & ByMile
Progressive's Snapshot program
Mobile App Rating
4.8/5 on iOS, 4.6/5 on Android
4.8/5 on iOS, 4.7/5 on Android
3.5/5 on iOS, 4.1/5 on Android
NAIC’s Index The Complaint Index Ratio Table shows consumer complaints filed with the Department of Insurance. Above average rate means a less complaints than the median while below Average means higher complaints compared to other insurers
Above Average
Below Average
Average
JD Power Rating J.D. Power rankings are your guide to finding which products or services ranked highest in J.D. Power Consumer Studies. All rankings are based on the opinions of a sample of consumers from a variety of industries who have used or owned the product or service being rated
Above Average
Below Average
Average

Review Auto Insurance Companies

Compare Alternative Providers

SmartRide and SmartMiles are two distinct programs offered by Nationwide to encourage driving. SmartRide is an app that monitors your safe driving habits and provides you with discounts. Geico is the country's second-largest provider of auto insurance. It is also available in all 50 states and has received high marks in several studies.

Read Full Comparison: Nationwide vs Geico: Which Car Insurance Is Better?

Despite having higher auto rates than Nationwide, State Farm offers a wide range of discounts. The insurer's telematics app also includes teens with clean driving records, whereas its standard app allows you to save more than 30% and use Alexa as your voice guide. If you're looking for the cheapest auto insurance rates, Nationwide has the most affordable rates in most categories.

Read Full Comparison: State Farm vs Nationwide: Which Car Insurance Wins?

For some customers, Progressive may be less expensive and provide better coverage. If you qualify for all of their discounts, Progressive may be less expensive. If you want a car insurance policy that has the lowest rates for most age groups, you should go with Nationwide.

Read Full Comparison: Progressive vs Nationwide: Compare Car Insurance Providers

Methodology

Our expert review team gathers data from many auto insurance providers in order to create rankings and estimate rates. 

Financial Stability: We analyzed each company based on industry benchmark ratings (summary table can be seen under “customer satisfaction” section) . Although insurance marketplaces do not have financial strength ratings they can still be useful tools for drivers who are looking for premiums at competitive rates. If you are looking for an insurer that doesn’t underwrite your policies, be sure to check the rating of the partner company. 

Coverage: Which types of insurance are available, their maximum coverage limits and any add-on policies. We also consider exclusions that are applicable to certain drivers.

Cost and Discounts: We review auto insurance rates estimates for many drivers across every state. The best scores are awarded to companies that offer lower rates and have many discount options for car insurance. You can lower your insurance premium by qualifying for any driver discounts. 

The discount percentages offered vary depending on where you live and some companies restrict the amount of discounts that can be applied to your premium. We looked at the discounts offered in the various companies that we reviewed. Many allow you to combine different insurance policies to save on premiums. There are many savings options for drivers shopping for car insurance. These include discounts based on the type of car, profession, driving record, and other factors. Companies that offer a variety of options could lead to a lower premium for drivers were favored by us.

Customer Service: We review customer feedback and reviews from J.D. Power. Data such as market share, complaints to the National Association of Insurance Commissioners for private passenger car insurance (2021) and overall ratio of those complaints to the industry average. 

In order to provide accurate and neutral information to our readers, our expert review team collects data from dozens of car insurance providers. Vehicles used include the 2017 Hyundai Sonata, 2017 Toyota Corolla, with annual mileage ranging from 10,000 and 20,000. We analyzed five credit tiers (excellent, good, very good, fair, and poor) and four types of people in different age groups. Lastly, we divided drivers to 4 categories based on safety history: Clean driving records, one at fault accident, one speeding violation, and one DUI.

We took into account parameters such as companies mobile apps, advanced online services, and telematics make it easier for auto insurers to respond to consumer needs. Many providers offer support via phone, email and agents. Some even offer live chat and 24/7 support via phone, email, or mobile app, while some provide social media responsiveness during weekends and after-hours hours.