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

This summary looks at what Nationwide does well and where it can get better, so you can decide wisely. With options for additional discounts, Nationwide continues to be a competitive choice for reliable auto insurance.

Start saving on your auto insurance by entering your ZIP code above and comparing quotes.

Key Insights on Nationwide Auto Insurance

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.

Here’s a quick look at how Nationwide’s auto insurance rates vary by age, gender, and coverage level. The table below shows how much these factors impact your pay.

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

Young drivers, especially those around 16 to 18, face the highest rates due to their limited driving experience and the types of auto insurance they need. For example, a boy who is 16 years old might pay around $195 for the least amount of insurance coverage. At the same age, a girl would maybe spend about $161. When they reach 25 years old, costs go down quite a bit; females could pay as low as $52 and males maybe around $57.

When age reach 45, insurance premiums are at their lowest point, and there is very small difference between male drivers and female drivers. This summary explains how Nationwide changes rates by looking at these important 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 has many auto insurance options, offering drivers solid protection and flexibility. These choices, from accident forgiveness to rental coverage, give drivers added peace of mind.

Nationwide Auto Insurance Coverage Options

With plenty of ways to customize coverage, Nationwide makes building a policy that fits your life easy. Whether it’s extra help with medical bills or roadside assistance, Nationwide’s got you covered.

Nationwide auto insurance coverage options include:

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

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.

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 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

Nationwide insurance quotes tend to be high compared to competitors, but auto insurance premium 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 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 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 by age 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.

Nationwide offers full coverage rates that stay close to or under the national average, making it an affordable choice for adult drivers with clean records. This breakdown highlights what 30, 45, and 55-year-old male drivers can expect to pay with Nationwide.

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 gives 65-year-old drivers with clean records solid full coverage rates, coming in just under the national average. It’s a great option for older drivers looking for affordable, reliable coverage.

For seniors with good driving records, Nationwide’s rates strike a nice balance between cost and coverage. With rates below average, it’s a smart pick for older drivers who want quality protection without overspending.

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 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 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’s auto insurance rates stay competitive, especially if you have a clean driving record, though prices shift based on your driving history. Compared to other insurers, Nationwide’s monthly premiums offer a solid option across different types of records.

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 with a ticket or even a DUI, Nationwide Insurance Company remains a dependable choice, though rates can increase with certain violations. Comparing rates across different records helps you see where Nationwide stands and find the best fit for your needs.

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

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

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.

Nationwide’s Competitiveness in Auto Insurance

When it comes to selecting the right insurance provider, Nationwide Insurance Company reviews serve as a crucial resource among the best auto insurance companies. 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.

Nationwide’s Business Ratings and Customer Insights

Nationwide has good ratings with strong 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 strong financial health, 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 strong financial status and many choices, making it a popular choice for dependable insurance. It is very good for drivers who drive safely because of its savings plans they offer.

• Financial Stability: Nationwide’s A+ rating highlights its strong financial position, ensuring support for policyholders.
• SmartRide Discounts: Drivers who drive safely can save as much as 25% with Nationwide’s SmartRide program. This program gives rewards for good driving habits.
• Customizable Coverage: Nationwide has different extra options, such as accident forgiveness and roadside help. This lets drivers change policies to match what they require.

With strong financial backing and plenty of customization options, Nationwide Mutual is a solid choice for those who want security and flexibility.

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Higher rates and slower claims processing can be downsides with Nationwide. Some customers feel that the claims process should be quicker, 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 a lot 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. 

Nationwide’s Benefits and Trade-Offs

Nationwide Insurance Company brings a lot to the table with flexible coverage options, helpful add-ons, and solid financial backing, making it a strong choice for many drivers. Safe drivers can snag some decent discounts through the SmartRide program, although younger drivers might find rates a bit on the higher side.

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 after filing it if needed. For drivers who want reliable coverage with room to save, Nationwide has plenty to offer.

You can find affordable auto insurance no matter what your driving record looks like by entering your ZIP code below in our free quote comparison tool.