Nationwide car insurance review: Save up to 40% | finder.com
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Nationwide car insurance review 2021

Last updated:  

Excellent all around support, coverage, rates and more

finder.com's rating: 3.5 / 5

★★★★★

Bottom line: Unlike some of its competitors, Nationwide balances great discounts and service, though it doesn’t accept drivers with too many claims or accidents.

optional

Roadside assistance

Yes

New car protection

Accident forgiveness

Details

States served All states except AK HI LA and MA
Roadside assistance Optional
Accident forgiveness Yes
New car protection Yes
Pay schedule 12 months, 6 months, Monthly
Claims methods Online, Phone
Rideshare coverage No
SR-22 support Yes

Pros

  • A.M. Best A+ Superior rating
  • On Your Side Auto Repair Network
  • Plenti rewards program

Cons

  • Potentially high rates
  • Inconsistent support
Anti-theft device discount Yes
Bundling discount Yes
Defensive driving discount Yes
Good student discount Yes
Loyalty discount Yes, up to 15%
Homeowner discount No
Military discount No
Safety device discount Yes
Special employment discount No
Usage-based discount Yes, 5-40%

Expert review

Roslyn McKenna

Review by


Roslyn McKenna is an insurance publisher for Finder, where she's driven to help people get a great deal on insurance to protect their families and finances. Roslyn earned a BA in writing and communications from Maryville College and has written professionally for more than a decade, showing up on Bankrate, MSN and Reader's Digest.

Expert review

Nationwide is one of the largest insurance companies in the country. The company stands at the forefront of technology like Auto Watch, which lets you keep track of your car repairs, and the EZ Ag app that helps farmers manage their unique accounts.

Though its prices may cost more than the competition, you may want Nationwide for its high-quality service and accessibility. Agents are available by email, through an app, over the phone, in person or by online chat.

How to apply for Nationwide car insurance

Nationwide’s website offers a straightforward application for auto insurance coverage. Whether you apply online, by phone or with an agent, get started with these steps:

Online

  1. Start by visiting the Nationwide website, clicking Insurance and protection, then Auto.
  2. Enter your ZIP code, then Get a quote.
  3. Enter your basic contact and car information, including make and model. Tap continue.
  4. Add driver and prior insurance info. Hit continue.
  5. Answer each question to see if you’re eligible for any discounts, then click continue.
  6. Review details, select desired policy options, then continue to begin purchase.
  7. Choose your policy start date, enter contact information, then continue.
  8. Add your payment details to buy your policy. If you run into roadblocks, you can call an agent directly.

By phone

If you’d prefer to apply for coverage by phone, you can reach a Nationwide agent at (877) 669-6877.

Local agent. You can use Nationwide’s agent locator to get personal customer service near you.

What discounts can I get with Nationwide?

Nationwide offers a number of auto insurance discounts on its already competitively priced rates.

  • Accident-free. Get better rates if you have at least five years of safe driving.
  • Advance quote. Save up to 5% if you get a quote at least eight days before your start date.
  • Airbag. Get up to 30% off medical payments coverage if your car is equipped with airbags.
  • Affinity. Lower rates if you’re a member of a partner organization like the Farm Bureau.
  • Anti-theft device. Earn a discount if your vehicle is equipped with anti-theft technology.
  • Automatic payments. Get a discount when you sign up for automatic bill pay.
  • Defensive driving. Save up to 10% for completing an approved driver safety course. In some states, you must be over age 55 to qualify.
  • Family Plan. Save when you add family or household members to your Nationwide plan.
  • Good student. Students who hold a B average or above can get discounted rates.
  • Loyalty. Save up to 5% if you stay insured with Nationwide for three years and up to 15% if you stay with Nationwide for five years.
  • Multi-policy. Save up to 20% when you bundle your home, auto or other insurance policies.
  • New vehicle. Save up to 16% when you insure a car made within the last five years. The age requirements may vary by state.
  • Paperless. Get a recurring discount when you switch to paperless billing and notifications.
  • Telematics. Earn up to 40% off by joining Nationwide’s SmartRide program. The program uses a device plugged into your car to track your driving behavior, giving feedback for safe driving.

What car insurance coverage does Nationwide offer?

Nationwide offers a standard set of coverage options to protect you while on the road.

  • Collision. Pays for damage to your car if you hit another car or object.
  • Comprehensive. Pays for non-collision car damage like vandalism, theft, fire, hail or flooding.
  • Liability. Covers expenses if you damage a vehicle or injure someone in an accident.
  • Medical payments. Helps with accident-related medical costs, regardless of who’s at fault.
  • Personal injury protection. Pays for medical expenses, work loss, funeral costs and home services or child care if you get accident injuries.
  • Property damage liability. Protects you if your car damages someone else’s car or other property.
  • Roadside assistance. Reimburses you for towing and other roadside services if your car breaks down while traveling.
  • Uninsured motorist. Provides injury and property damage coverage if another driver hits your car but doesn’t have enough insurance to pay for it.

What extra perks does Nationwide offer?

Nationwide offers several special programs and features to benefit its customers:

  • Accident forgiveness. This program helps you avoid rate increases for your first at-fault accident after going claim-free for a set timeframe.
  • Auto Watch. You can track car repairs online.
  • Member connections. Nationwide hosts town hall style events where members can speak up about their experience and give feedback.
  • On Your Side auto repair network. Nationwide has a network of auto repair shops that provide great service and guaranteed repairs.
  • Plenti rewards. Sign up to earn discounts and cashback at major stores across the country.
  • Vanishing deductible. This optional program lowers your deductible by $100 for every year that you don’t have an accident, up to $500.

Nationwide car insurance reviews and complaints

Nationwide holds an A+ rating with the Better Business Bureau (BBB) as of October 2020. Despite its high rating, over 230 customers have filed BBB complaints. Customers are unhappy with denied claims, billing issues and unexpected rate changes.

That said, Nationwide has followed up on customer complaints in a timely manner, showing many of them marked as resolved.

However, most customers only go online to speak up about major issues with a product or service. It’s common to see multiple complaints but few positive reviews.

Alternatives to Nationwide

See how Nationwide stacks up to other companies’ coverage, benefits and discounts. Check the Compare box to see up to four companies side by side.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus freebies and AARP member perks like free replacement cost coverage. Only for drivers over age 50.
Root
52%
Available in 30 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
loading

Compare up to 4 providers

Nationwide car insurance rates

Example monthly rates can give you an idea of what you’ll pay when insuring with Nationwide.

CaliforniaNew York
18 year old man$146$215
18 year old woman$146$274
25 year old man$89$240
25 year old woman$89$203
35 year old man$77$222
35 year old woman$77$160
45 year old man$73$222
45 year old woman$73$222
56 year old man$72$216
56 year old woman$72$182

How do I find a Nationwide local agent near me?

Find personalized service through one of Nationwide’s 10,000+ local agents. To find one near you, you can use the agent locator tool:

Nationwide agent locator

  1. From the main website, enter your ZIP code in the Find an Agent box. Click Go.
  2. View agents near you via the map or list.
  3. Choose your preferred agency and call or visit in person, using the contact info given.

    How does Nationwide bundling work?

    Nationwide lets you bundle more types of policies to land a discount than many insurance companies. Nationwide’s bundling options include:

    • Identity theft
    • Flood
    • Umbrella
    • Travel
    • Pet
    • Wedding
    • Accident medical
    • Dental
    • Business

        Frequently asked questions about Nationwide

        Car insurance ratings

        ★★★★★ — Excellent

        ★★★★★ — Good

        ★★★★★ — Average

        ★★★★★ — Subpar

        ★★★★★ — Poor

        Our insurance team analyzes car insurance providers to help you choose the best car insurance for you.

        We rank insurers from one to five stars based on key factors including customer satisfaction, policy options, price, billing, claims, and support. We create these rankings to help you narrow down an insurance provider that best suits your budget and coverage needs.

        Learn the details of our methodology and scoring.

        Ask an expert

        You are about to post a question on finder.com:

        • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
        • finder.com is a financial comparison and information service, not a bank or product provider
        • We cannot provide you with personal advice or recommendations
        • Your answer might already be waiting – check previous questions below to see if yours has already been asked

        Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.

        4 Comments

          Default Gravatar
          John
          April 15, 2019

          Is Nationwide Insurance easy to contact when you need to speak with them?

            Avatarfinder Customer Care
            Joshua
            April 15, 2019

            Hi John,

            Thanks for getting in touch with Finder. I hope all is well with you. 😃

            Yes, they should be easy to contact. To ensure that you get someone to talk to when you call their number, be sure to read during business hours. You can check their website as well to know other ways to get in touch with them.

            I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

            Have a wonderful day!

            Cheers,
            Joshua

          Default Gravatar
          chris
          March 2, 2018

          I am a resident of Mexico driving a South Dakota-registered Toyota Tacoma. I plan to return to the US for a couple of weeks and need short=term insurance as my Mexico insurance will not cover me in California and Nevada. How can I obtain this?

            Default Gravatar
            Andy
            March 5, 2018

            Hi Chris, thank you for reaching out to finder!

            It’s great that you’re thinking ahead about car insurance during your visit to the US. But before you take out a temporary policy here, it might be good to check with your provider in Mexico to see if your coverage can be extended during the month you’ll be traveling. Most major insurance providers, both here in the US and in Mexico, have coverage extension options for a scenario like yours.

            Of course, getting a temporary policy during your trip is also an option. To learn more about temporary car insurance in the US, you can check out our guide on the subject. We also recommend discussing options with your current provider to see if there’s any simple solution your agent can help you with directly.

            Thanks again for reaching out to our team. We hope this was helpful and that you have everything you need!

            Safe travels,
            Andy

        Go to site