Nationwide Auto Insurance Review for 2024 (+Rates & Discounts)

This Nationwide auto insurance review reveals why the company stands out with its top-rated SmartRide program, which offers up to 25% savings for safe driving, and its A+ financial strength rating.

Nationwide’s customizable policy options allow drivers to find coverage that fits their needs, though rates can be higher than some competitors. Many reviews say good things about Nationwide’s customer service, but there are complaints mainly about how long it takes to process claims.

Nationwide Auto Insurance Rating

Rating Criteria
Insurance Rating	4.5
Business Reviews	4.5
Claim Processing	5.0
Company Reputation	4.5
Coverage Availability	5.0
Coverage Value	4.3
Customer Satisfaction	4.7
Digital Experience	4.5
Discounts Available	3.5
Insurance Cost	4.4
Plan Personalization	4.5
Policy Options	4.0
Savings Potential	4.6

This summary looks at what Nationwide does well and where it can improve so you can make wise decisions. With options for additional discounts, Nationwide continues to be a competitive choice for reliable auto insurance.

Use our free comparison tool to save on your auto insurance.

Key Insights on Nationwide Auto Insurance

This review of Nationwide auto insurance will examine what the company does well and where it can improve based on its current position in the market.

Nationwide has very good financial strength ratings. A.M. Best gives it an A+ (superior), and the Better Business Bureau (BBB) also rates it an A+. However, some customers have complaints about Nationwide claims on the BBB website that show there are still areas where the company can improve.

Here is a brief glance at how Nationwide auto insurance prices change by age, gender, and level of coverage. The table below demonstrates the effect these factors have on what you pay.

Nationwide Auto Insurance Monthly Rates by Coverage Level, Age, & Gender

Young drivers, mainly aged 16 to 18, have the highest rates because they don’t have much driving experience and need specific types of auto insurance. For instance, a boy who is 16 years old may pay about $195 for basic insurance coverage. A girl may spend about $161 when she is the same age. However, costs drop significantly when they reach 25; girls might pay only $52, and boys could spend around $57.

When people reach age 45, insurance premiums become the cheapest, and there is very little difference between male and female drivers. This summary shows how Nationwide adjusts rates by examining these crucial factors. 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 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 Mutual Insurance Company financial strength is strong. Keep reading our expert Nationwide insurance review to learn more.

Nationwide Insurance Coverage Options

Nationwide offers many types of auto insurance, giving drivers good protection and flexibility. These options include accident forgiveness and rental coverage, which can help drivers feel more secure.

Nationwide Auto Insurance Coverage Options

Nationwide offers many choices for changing insurance plans, so you can easily make a policy that fits your life. If you need more help with doctor bills or assistance when your car breaks down, Nationwide handles everything.

Nationwide auto insurance coverage options include:

• Bodily Injury Liability
• Property Damage Liability
• Personal Injury Protection
• Uninsured/Underinsured Motorist
• Accident Forgiveness

Nationwide auto insurance provides various coverages so policyholders can choose what they need to feel secure while driving. It also offers programs such as Nationwide roadside assistance, which is useful if your car stops working suddenly.

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
• Vanishing Deductibles
• Total Loss Deductible Waiver

The add-ons listed above will likely make a Nationwide insurance policy more expensive, but they could also give you peace of mind while 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

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

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

If you’re looking for reliable coverage without breaking the bank, Nationwide’s rates make it a good pick. Whether you need basic or full coverage, Nationwide keeps pricing fair and accessible.

Nationwide Auto Insurance Rates by Age

Age is a very important factor in deciding car insurance costs. Teenagers have the highest rates because they don’t drive much and are new to driving. Their lack of experience makes them more risky drivers, so insurance companies charge them more.

When drivers get older and have more time behind the wheel, their car insurance costs might decrease if they maintain reasonably good driving records. Look at how the rates for young drivers compare to those for grown-up drivers in this chart, highlighting the impact of auto insurance rates by age.

Nationwide is more affordable for adult drivers with clean driving records because it offers full coverage rates that are frequently comparable to or even lower than the national average. Male drivers aged 30, 45, and 55 may pay the following sum for Nationwide insurance.

With rates generally lower than the U.S. average, Nationwide gives adult drivers solid full coverage without the high price tag. It’s a smart pick for drivers who want reliable coverage and fair pricing.

Nationwide provides good insurance rates for drivers who are 65 years old and have clean records. These rates are a little less than the average rate in the country. It is a very good choice for older people looking for affordable and trustworthy coverage options.

Nationwide’s rates are a good mix of cost and coverage for seniors who drive well. With lower-than-average prices, it is a wise choice for older drivers who want quality insurance without paying too much.

Nationwide Auto Insurance Rates by Credit Score

Does credit score affect car insurance? Yes, your credit score is another factor that helps decide how much you pay for car insurance. A higher credit score might contribute to lower auto insurance premiums.

Having a high credit score might facilitate saving money on auto insurance with Nationwide Mutual Insurance Company. Drivers 45 years old and older with better credit scores get lower monthly payments, so considering your credit is essential when looking for full coverage auto insurance.

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 rates can change if you get a DUI, a ticket, or are involved in an at-fault accident.

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

Nationwide vs. Leading Auto Insurers: A Detailed Look

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

Nationwide auto insurance rates are reasonable and stay fair, especially if you drive well without accidents. Prices can change based on how you drive in the past. When looking at other companies, Nationwide gives a strong choice for monthly payments, no matter your driving history.

Nationwide Auto Insurance Monthly Rates vs. Competitors by Driving Record

Insurance Company	Clean Record	One Ticket	One Accident	One DUI
	$160	$188	$225	$270
	$117	$136	$176	$194
	$87	$105	$127	$130
	$139	$173	$198	$193
	$80	$106	$132	$216
	$174	$212	$234	$313
	$77	$95	$114	$126
	$115	$137	$161	$237
	$105	$140	$186	$140
	$86	$96	$102	$140
	$99	$134	$139	$206
	$59	$67	$78	$108
U.S. Average	$119	$147	$173	$209

For drivers who have a ticket or even a DUI, Nationwide Insurance Company is still a reliable choice. However, prices can go up if you have certain violations. It is a good idea to compare rates from different companies with your driving records to see how Nationwide compares and identifies the reputable auto insurance companies that best suit your needs.

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

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

Nationwide Auto Insurance Discounts by Savings Potential

Discount Name
SmartRide® Program	40%
Bundling	15%
Safe Driver	15%
Accident-Free Discount	10%
Affinity Member	10%
Good Student	10%
SmartMiles® Program	10%
Anti-Theft	5%
Defensive Driving	5%
Paperless Billing	3%

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

Nationwide SmartRide Reviews

Are you wondering about Nationwide SmartRide? Nationwide’s SmartRide is a program based on how you that allows policyholders to save money by giving some driving information to the company.

Policyholders can get the app to enjoy the discounts offered by SmartRide. Nationwide then watches some driving behaviors, like:

• Miles Driven
• Braking Patterns
• Acceleration Patterns
• Idle Time
• How Often You Drive Between Midnight and 5 a.m.

No matter how you drive, joining SmartRide will never increase your insurance rates. The nationwide insurance app has many other valuable things, too. However, you could save money on your car insurance premium by enrolling in the SmartRide program.

Nationwide’s Competitiveness in Auto Insurance

When choosing the right insurance provider, Nationwide Insurance Company reviews are critical among the best auto insurance companies. These reviews for Nationwide give helpful information about what policyholders experience in different parts of the country.

When people look at customer service, claims handling, or coverage choices with Nationwide insurance, the ratings and reviews give new clients a complete picture of what they can expect.

Beyond the numbers and scores, Nationwide testimonials give real stories from people about their experiences with the company. These personal tales often show what it’s like to pick Nationwide for insurance.

Nationwide insurance ranks among the top 10 auto insurers in the industry. Both Nationwide home and auto insurance reviews are happy with their service experience.

Nationwide’s Business Ratings and Customer Insights

Nationwide has good ratings, vital customer happiness, dependable service, and stable finances. From J.D. Power to A.M. Best, these scores show that experts and customers trust Nationwide.

Nationwide Insurance Business Ratings & Consumer Reviews

Agency
	Score: 855 / 1,000 Above Avg. Satisfaction
	Score: A+ Excellent Business Practices
	Score: 75/100 Positive Customer Feedback
	Score: 0.78 Fewer Complaints
	Score: A+ Superior Financial Strength

Nationwide, with high scores from satisfied customers and robust financial health, it is seen as a dependable option. The steady ratings show that this company cares about providing good service and backing for its auto insurance policyholders.

Nationwide Auto Insurance: Pros and Cons Breakdown

Nationwide has excellent financial conditions and many options, making it popular for reliable insurance. It is also beautiful for safe drivers because it has savings plans.

• Financial Stability: Nationwide’s A+ rating highlights its strong financial position, ensuring support for policyholders.
• SmartRide Discounts: Drivers who drive carefully can save up to 25% with Nationwide’s SmartRide program, which rewards good driving habits.
• Personalized Insurance: Nationwide offers many extra choices, like accident forgiveness and roadside help, which allows drivers to adjust policies for their own needs.

With its big money support and many ways to customize, Nationwide Mutual is a good choice for people looking for safety and options.

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Higher costs and slower claim handling can be negative points with Nationwide. Some customers think the claim process should be faster, especially when filing a comprehensive auto insurance claim.

• Claims Delays: Many policyholders say the claims process can drag on, which gets frustrating.
• Higher Premiums: Rates can be higher, especially for younger drivers.

Nationwide has much to offer, but its costs and occasional delays might be a dealbreaker for budget-conscious drivers.

On Reddit, u/bucksncowboys513 chimed in about Nationwide, pointing out that as a Fortune 100 company with an A+ AM Best rating, Nationwide is solid when paying claims. They mentioned that Nationwide’s brand recognition is right up there with other big names in the industry.

While they didn’t share personal experiences with claims and service, they suggested that Nationwide’s reputation and financial strength should be more than enough to feel confident if the price and coverage look good to you.

Nationwide’s Benefits and Trade-Offs

Nationwide Insurance Company gives many coverage options, with extra options to add if needed. They also have strong financial support, making them a good choice for many drivers. If you drive safely, you can get discounts from their SmartRide program. But younger drivers may find prices a little high.

While the claims process can be slower, and some updates still require a phone call, Nationwide also allows policyholders to cancel an auto insurance claim. For drivers who want reliable coverage with room to save, Nationwide has plenty to offer. Use our free quote comparison tool to find cheap auto insurance.