Nationwide insurance reviews mention roadside assistance to help you if you get stuck like this woman on the phone in front of a broken down white sedan.

Nationwide Insurance Reviews

We give Nationwide car insurance a 4.4 out of 5.0-star rating for its variety of car insurance coverage options and discount programs for drivers.

Car driving down the road
Nationwide Review
In Our Opinion:
Nationwide is a great option for car insurance, especially for senior citizens. We found Nationwide to be outstanding in availability and coverage but lacking in affordability.
Industry Standing:
Availability:
Coverage:
Affordability:
Customer Service:
Online Experience:
Pros
Available in 47 states
A+ financial strength rating from AM Best and A+ rating from the BBB
Many choices for coverage
Usage-based insurance options
Cons
Mixed customer reviews depending on location
Expensive
Difficult quotes process
4.4

Affiliate Disclosure: Automoblog and its partners may be compensated when you purchase the products below.

Nationwide is one of the biggest car insurance companies in the country and is widely known by Americans for its popular commercial slogan, but is Nationwide as good to its policyholders as its reputation and “on your side” motto suggest?

Our team dug into Nationwide Insurance reviews from customers, along with the company’s costs, coverage offerings, and more to see how the provider compares to the best auto insurance and cheapest car insurance companies in the country. Keep reading to see what we learned.

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Nationwide Auto Insurance Reviews

Nationwide earns a 4.4 out of 5.0 rating from our editorial team, after an in-depth look at the company’s industry standing, availability, coverage, affordability, customer service, and online experience.

Review CategoryRatings Score
Industry Standing4.2
Availability4.7
Coverage4.2
Affordability4.5
Customer Service4.4
Online Experience4.4
Overall Rating4.4

How Good Is Nationwide Insurance?

Nationwide can be a good car insurance company for most drivers. The insurer provides a variety of unique add-on coverage options, like gap insurance and accident forgiveness, along with several discount opportunities and usage-based programs. In addition, the company has the financial backing to pay out customer claims, which is backed up by A+ financial strength rating from AM Best.

Pros and Cons of Nationwide Auto Insurance

Here are the pros and cons of Nationwide auto insurance:

Nationwide ProsNationwide Cons
Relatively affordable rates for drivers with bad creditLow rate of customer renewal
Multiple telemetrics programsAverage claims satisfaction performance
Lots of insurance products for bundlingHigher than average insurance premiums

Nationwide Insurance Rating

Nationwide earned an A+ rating from the Better Business Bureau (BBB) based on more than 100 customer reviews. In the last three years, there have been more than 200 customer complaints, and all of them have been resolved. Most complaints and negative Nationwide reviews tend to be specific examples and should be read with that in mind.

Nationwide Customer Satisfaction

In 2022, we polled nearly 7,000 respondents to determine their overall satisfaction with their car insurance company. Around 3% reported that they had a Nationwide car insurance policy. The Nationwide policyholders rated their overall satisfaction with the company a 4.1 out of 4.2.

Nationwide Mobile App

Nationwide has several mobile applications available for both Android and iOS devices. Nationwide Mobile allows policyholders to access their insurance information on the go. The app’s features include online payments, ID card sharing, filing claims, connecting with roadside assistance, and more.

The Nationwide mobile app has a 4.4-star rating on Google Play with over 6,000 customer reviews and a 4.5-star rating on the Apple Store with more than 11,000 reviews. Most of the reviews are positive, but several mentioned glitches when attempting to log in.

Nationwide Insurance Customer Reviews

When customers report a positive experience with Nationwide car insurance, they often mention the helpful, attentive service that they get from the company’s representatives. On the other hand, Nationwide customers who reported a negative experience in their reviews tended to mention difficult claims experiences or expensive premiums.

Positive Nationwide Insurance Reviews

“I have had Nationwide auto insurance for over 15 years, and I have never had a problem. When my car was hit by a drunk driver, Nationwide paid for the repairs and then they, in turn, went after the other insurance company for reimbursement. Within a matter of a week, I had my own car back, fixed like new. Thank you, Nationwide!”

– Kimberly A., BBB

“I was pleased by the service provided by [the Nationwide representative]. He is very helpful and friendly. … Blessed to get help from him. Thanks a ton!”

– Saaqib P., BBB

Negative Nationwide Insurance Reviews

“Horrible experience. They don’t want to pay anything, deny, deny, deny. Using COVID as an excuse, refuse to refund all expenses after making me spend hours filling out pages and pages of paperwork.”

– Amber B., BBB

“They are overpriced. I switched to GEICO in March and canceled Nationwide. My rates for the same coverage [are] so much lower.”

– Nancy D., BBB

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About Nationwide

Headquartered in Columbus, Ohio, Nationwide Mutual Insurance Company has been in business since 1926. Today, the company provides auto insurance coverage in 47 states.

According to data from the National Association of Insurance Commissioners (NAIC) the company wrote over $5.5 billion in premiums in 2021, claiming a 2.13% market share.

Nationwide Car Insurance Coverage

Nationwide offers a large selection of both standard and optional coverages, allowing drivers to build policies that fit their needs and budgets.

These standard coverage options offered by Nationwide include:

  • Bodily injury liability insurance: Covers medical expenses and lost wages for others involved in an accident you are found at fault for.
  • Property damage liability insurance: Covers damage to other parties’ vehicles and other property resulting from an accident for which you are found at fault.
  • Collision coverage: Covers damages to your car and personal property regardless of who is found at fault for an accident.
  • Comprehensive coverage: Covers damage from sources other than an accident, such as vandalism, flooding, or fire.
  • Medical payments (MedPay): Covers medical expenses for you and your passengers resulting from a covered accident.
  • Personal injury protection (PIP): Similar to MedPay but also covers lost wages.
  • Uninsured motorist/underinsured motorist coverage: Covers damages to your vehicle and your medical expenses if the at-fault driver in an accident doesn’t have sufficient coverage.

Nationwide Roadside Assistance (And Other Add-Ons)

The company also offers a robust selection of coverage options and add-ons that can provide more financial protection and cover some of the other costs related to owning and driving your car:

  • Roadside assistance: Get 24/7 emergency services like locksmiths, towing, fuel delivery, and tire repair with your vehicle.
  • Accident forgiveness: Avoid paying more after your first at-fault accident or minor violation.
  • Total loss deductible waiver: In the event of a total loss, Nationwide will have the physical damage deductible waived.
  • Vanishing deductibles: Earn $100 off your deductible for each year of safe driving. Your deductible could vanish completely (up to $500).
  • Rental car expense: Nationwide provides access to a rental car or other transportation while your car is in the repair shop after a covered accident.
  • Guaranteed asset protection (GAP) insurance: Cover a portion of the difference between the replacement cost of your vehicle and the amount you owe on it when it is totaled in a covered loss.

Nationwide Insurance Products

In addition to car insurance, Nationwide also offers:

  • Motorcycle insurance
  • RV insurance
  • ATV insurance
  • Boat and personal watercraft insurance
  • Scooter and moped insurance
  • Snowmobile insurance
  • Travel insurance
  • Umbrella insurance
  • Condo insurance
  • Homeowners insurance
  • Renters insurance
  • Life insurance
  • Identity theft insurance
  • Dental insurance
  • Business insurance
  • Pet insurance

Nationwide Claims Process

Nationwide has an easy online claims process that allows customers to file and track claims, as well as search for repair facilities. The website also has a helpful list for “do’s” and “don’ts” after an accident – such as phone numbers to call and information you need to gather from the other party. 

In the J.D. Power 2022 U.S. Auto Claims Satisfaction StudySM, Nationwide scored 868 out of 1,000 possible points. That score is slightly below the national average of 873. This indicates that the company is relatively average at how it handles its insurance claims.

With any insurance company, reviews of the claims process will be mixed, but Nationwide insurance reviews typically point to a smooth claims experience.

How Much Does Nationwide Car Insurance Cost?

Nationwide has a reputation for being expensive, according to Nationwide insurance reviews from customers. However, our own rate estimates show Nationwide is far cheaper than the national average. Good drivers can find annual full coverage rates for around $1,281 per year or $107 per month with Nationwide, while the average is $1,730.

Nationwide Car Insurance Cost Comparison

Your car insurance costs with Nationwide will depend on a number of factors, and the rates you receive from the provider may not reflect the estimates below. The best way to determine your monthly and annual costs from Nationwide is to get a car insurance quote from the company.

Nationwide High-Risk Auto Insurance Rates

One of the most significant factors that impacts your car insurance costs is your driving record. During our research, we found that Nationwide car insurance estimates are significantly below the national average for drivers with a recent speeding ticket, DUI, or at-fault accident on their record. The table below shows monthly and annual cost estimates for different driving situations.

Driving SituationNationwide Average Monthly Cost EstimateNationwide Average Annual Cost EstimateNational Average Annual Cost Estimate
Speeding Ticket$138$1,656$2,313
Car Accident$197$2,366$2,689
DUI$239$2,867$3,277

Nationwide Car Insurance Rates by Age

Age is another factor that impacts the final price you pay for car insurance. Younger drivers who lack driving experience pay hundreds of dollars more for car insurance than drivers in their 30s. The table below compares cost estimates by age for a full coverage car insurance policy from Nationwide.

AgeAverage Monthly Cost EstimateAverage Annual Cost Estimate
16$381$4,567
17$353$4,238
18$344$4,132
21$179$2,147
25$130$1,556
30$118$1,415
40$114$1,368
50$107$1,279
55$102$1,221
65$105$1,263
75$123$1,479

Nationwide Car Insurance Rates by State

The state where you live also dictates what you pay for car insurance to a large degree. Below, you can see how Nationwide estimates compare to the average in 28 states and Washington, D.C. You’ll notice that Nationwide is cheaper than the average in many places.

StateState Average Cost EstimateNationwide Annual Cost Estimate
Alabama$1,448$1,027
Arkanksas$1,449$1,192
Colorado$1,672$1,323
Connecticut$1,885$1,683
Delaware$1,921$1,550
Washington, D.C.$1,787$2,537
Georgia$1,548$1,255
Iowa$1,095$871
Kansas$1,364$1,069
Kentucky$1,817$4,913
Maryland$1,941$1,698
Mississippi$1,357$1,217
Montana$2,214$1,495
Nebraska$1,372$929
New Mexico$1,356$1,130
New York$3,964$5,485
North Carolina$1,277$1,056
Ohio$923$703
Oregon$1,284$1,067
Pennsylvania$1,405$1,228
Rhode Island$1,923$1,963
South Carolina$1,592$1,380
South Dakota$1,331$1,968
Tennessee$1,217$1,220
Texas$2,067$1,558
Vermont$1,013$871
Virginia$1,079$928
Washington$1,271$1,166
West Virginia$1,390$961

Is Nationwide Insurance Expensive?

Based on our research, we found that Nationwide is one of the cheapest car insurance companies in the industry. Its rates tend to be about 29% cheaper than the national average.

Nationwide Car Insurance Rates Comparison

Below, you can see how Nationwide compares to a variety of popular providers. These estimates apply to 35-year-old drivers with good driving records and good credit.

Car Insurance CompanyAverage Monthly Car Insurance Cost EstimateAverage Annual Car Insurance Cost Estimate
USAA$88$1,054
Erie Insurance$103$1,238
Nationwide$107$1,280
Geico$109$1,308
Auto-Owners$111$1,337
State Farm$123$1,481
Progressive$134$1,611
Travelers$139$1,669
Allstate$174$2,088
Farmers$178$2,140

Nationwide Car Insurance Quotes

Six icons representing the most influential factors in the cost of car insurance premiums, including coverage choices, driving history, age, credit score, deductible, and location.

Nationwide and other insurers base car insurance quotes on a number of different factors. Some of the most influential include:

  • Car insurance coverage: You can choose an auto insurance policy that only meets your state minimum coverage requirements or choose to pay more in premiums to add more coverage.
  • Coverage limits:  You can also choose how much coverage you take on. The higher your coverage limits, the more you’ll pay for your premium. 
  • Driving record: A clean driving record will get you the lowest auto insurance rates. Any tickets or recent at-fault accidents will cause your rates to rise.
  • Age: Young drivers and especially teen drivers pay the highest rates for car insurance. Seniors also pay more than middle-aged drivers.
  • Deductible: A lower deductible means you’ll have to pay less out of pocket towards covered repairs, but it also comes with a higher premium.
  • Credit history: You’ll get lower rates if you have a good credit score. Drivers with poor credit pay higher rates.
  • Location: Different states have different average rates for insurance, but rates vary within states too. Drivers in urban areas tend to pay more than those in rural areas.

Nationwide Car Insurance Discounts

If you’re trying to make a decision on Nationwide coverage, check out some of the ways you could save on your auto policy.

Nationwide DiscountDetails
Multi-policy discountSave an average of $710 per year when you combine Nationwide home insurance and auto coverage.
SmartRideGet a discount by joining Nationwide’s usage-based insurance program.
SmartMilesGet a flexible monthly rate that is based on how many miles you drive.
Accident freeGet discounts by maintaining an accident-free driving record.
Good student discountYoung drivers (age 16 to 24) who maintain at least a B average are eligible for a discount.
Defensive drivingComplete a state-approved safety course to get a discount.(You may have to be 55 or over to be eligible.)
Anti-theft device discountInstall anti-theft devices in your vehicle.
Safe driverIf you have at least five years of safe driving experience, you could be eligible.
Easy pay sign-upGet a one-time discount for setting up automatic deductions from your bank account or credit card.
Affinity memberJoin Nationwide’s partner organizations.

Nationwide SmartRide

Nationwide also offers an app called SmartRide – a telematics program that tracks users’ driving habits and adjusts their rates accordingly. The app monitors behaviors like a driver’s speed and how hard they brake, along with things like the number of miles driven and what time of day they drive.

The company gives a 10% discount to policyholders who sign up for SmartRide. Drivers who consistently practice safe driving habits can earn a discount on their premium – as much as 40% according to Nationwide. However, drivers who practice unsafe habits can also see their rates go up.

Nationwide SmartMiles

If you work from home or otherwise don’t drive much, you may want to consider the company’s SmartMiles program. This usage-based insurance charges you based on how many miles you drive, rather than a flat rate.

But be aware that if you do end up putting a lot of miles on your car in a month you could end up paying much more for coverage.

Nationwide Insurance Review: Conclusion

Nationwide could be a good choice for some drivers, especially those looking for options. In addition to a broad selection of optional coverages and add-ons, the company also offers both telematics and usage-based insurance programs. That gives drivers the ability to tailor their policy to their specific needs in several different ways.

While Nationwide offers a robust selection of discounts, its rates tend to be higher than average in many cases. Still, the company does offer competitive rates to some drivers, such as those with lower credit scores. That means that, at the very least, it’s worth getting a car insurance quote from Nationwide to see how it compares to other providers.

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Nationwide Insurance: Recommended Competitors

Even if you think Nationwide is a good option for you, it’s always a good idea to shop around and get quotes from a few other providers to compare. That way, you can find out who offers the best rates for you. We recommend starting your search with some of the highest-rated providers from our car insurance study.

USAA: Best for Military Families

USAA finished among the top three providers in our industry-wide auto insurance study. The provider offers some of the cheapest car insurance in most of the places it serves and has a stellar reputation for claims handling and customer satisfaction. However, USAA is only available to members of the military, veterans, and their family members. The company should be among your first options if you’re eligible. If not, you’ll need to look elsewhere.

Keep reading: USAA car insurance review

State Farm: Best Overall

State Farm earned the highest score of all providers in our latest insurance study and with it, the award for Best Overall. The company offers consistently low rates in all 50 states and features the largest network of insurance agents and offices in the country. State Farm also features wide selections of both coverage options and discounts. Simply put, the company is worth a look for just about everyone.

Keep reading: State Farm car insurance review

Nationwide Insurance Reviews: FAQ

Below are frequently asked questions about Nationwide Insurance reviews.

Is Nationwide a good insurer?

Yes, Nationwide is a good car insurance company. Our editorial team gave the company a 4.4 out of 5.0 rating for its comprehensive coverage options and discount programs and opportunities.

Is Nationwide good about paying claims?

During our industry research, we found that Nationwide was average when it came to paying claims compared with other large insurance companies. This is backed up from data in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study where Nationwide scored below the national average.

How do I cancel Nationwide insurance?

To cancel your Nationwide insurance policy, you can contact your insurance agent. If you don’t have an insurance agent or don’t know how to reach them, you can also call 877-669-6877.

Where can you get Nationwide coverage?

Nationwide coverage is available in 46 states and Washington, D.C.. Coverage from Nationwide is not available in Alaska, Hawaii, Louisiana, and Massachusetts.

What is the Nationwide claims customer service phone number?

If you need help with your Nationwide claims, the customer service phone number is 1 (877) 669-6877. You can find support at this number 24 hours a day, seven days a week.

Is Nationwide insurance expensive?

Nationwide insurance has a reputation for being expensive, but the company does have many discounts and a usage-based auto insurance option. Bundling discounts and practicing safe driving habits can save you money with Nationwide.

Is Nationwide better than State Farm?

Nationwide and State Farm are two of the biggest auto insurers in the country. Which one is better for you will depend on what you’re looking for. Nationwide is a good choice for senior car insurance, while State Farm has great discounts and programs for students and teens.

What is the best insurance company?

After performing in-depth industry research, our review team named State Farm Best Overall. However, the best insurance company for you will depend on what you’re looking for. With any company, your rates will depend on many factors, including your vehicle and driving history.

Our Methodology

Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.

  • Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
  • Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
  • Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
  • Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
  • Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
  • Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.