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Nationwide Car Insurance Review

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Nationwide Auto Insurance – Introduction

Although it is most well-known for auto insurance, Nationwide offers a wide range of insurance and financial solutions. Nationwide may be a suitable choice if you wish to bundle insurance products with a financially sound organization.

You may be best familiar with Nationwide's car insurance products. Nationwide is considered to be one of the best car insurance companies. So we at Way.com have decided to get some boots on the ground and review how the auto insurance company Nationwide performs for its customers.

Nationwide is the fourth largest insurer in the United States, after Allstate, Travelers, Progressive, American Family, and Farmers.

Pros and Cons

PROS CONS
Rates are pretty low for drivers with bad credit Students may not find this car insurance too attractive
Lower surcharge for commuters who go a long distance  
Customer service is highly regarded  

Unique Nationwide Auto Insurance Features

Nationwide Unique Features What does it do
SmartMiles discount Instead of paying a monthly rate, pay based on the number of miles you drive.
Affinity member discount Discounts for membership in certain organizations

Nationwide auto insurance coverages

  • Emergency road service - Nationwide offers their customers 24-hour emergency roadside assistance. If you are a member and need help call 1-800-421-3535.
  • Accident forgiveness - Accident Forgiveness is an optional feature that you may add to your auto insurance policy from Nationwide. The feature protects you from rate rises and maintains your good driver status by waiving your first at-fault accident. There is a policy-by-policy standard.
  • Glass coverage - You can use the repair shop in Nationwide's On Your Side Claims Service Network or, when available, at your home, workplace, or another location when you use the Glass Service Program. Safelite Solutions is a third-party company that manages Nationwide's On Your Side Glass Service and can assist with windshield repair or replacement. You have the option of having repairs done at any store you like. Before accepting any assignment, contact Nationwide at 1-800-421-3535. Remember, if you utilize a shop from their Claims Service Network, the work is guaranteed.
  • Rental reimbursement - After the policyholder's car is damaged due to an accident, Nationwide's rental reimbursement compensates for the cost of a rental car. Nationwide's rental car reimbursement insurance typically costs less than $10 per month, and drivers can purchase a daily limit of up to $100 for 30 days. This coverage does not apply to rental cars used while the car is serviced, and drivers usually need collision and comprehensive coverage to qualify.

To understand types of auto insurance coverage in detail, check
https://www.way.com/blog/types-of-car-insurance-coverage/

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Nationwide auto insurance coverages limits

At Nationwide, drivers will pay roughly a $15 difference on average if they choose for high coverage rather than modest coverage, which is usually worth it. The national average study fee for low coverage is $1299. According to survey data, the average pricing for medium coverage has dropped to $1290. For comprehensive coverage, the fee rises to an average of $1314.

According to our data, Nationwide drivers pay around 4% more than the national average for the low coverage. Nationwide clients pay around 3% less than the national average for medium coverage.

According to our research, Nationwide clients pay around 6% less than the national average for good coverage.

Low Liability Coverage: The state's liability limits.

Medium Coverage:

Amount of coverage Purpose of coverage
$50000/$100000 Liability for bodily injury
Liability for bodily injury caused by an uninsured motorist
Liability for bodily injury caused by an underinsured motorist
Amount of coverage Purpose of coverage
$50000 Liability for property damage
Property damage responsibility for uninsured motorists
Property damage responsibility for underinsured motorists

High coverage:

Amount of coverage Purpose of coverage
$100000/$300000 Liability for bodily injury
Liability for bodily injury caused by an uninsured motorist
Liability for bodily injury caused by an underinsured motorist
Amount of coverage Purpose of coverage
$100000 Liability for property damage
Property damage responsibility for uninsured motorists
Property damage responsibility for underinsured motorists

Nationwide auto insurance rates

Nationwide ranks right in the middle of the nine national providers in our analysis regarding average expenses paid for auto insurance. But young drivers under the age of 25 pay a higher premium than the national average. While drivers with solid driving records will most bag the best Nationwide prices, Nationwide still is a great option for drivers with bad credit.

Nationwide costs around 17% more than The General, which our research determined as some of the most reasonable rates, aside from USAA.

Nationwide car insurance rates by age

In general, insurance premiums can vary depending on a person's gender, marital status, and age. According to our research, Nationwide's rates range from roughly $1059 for a 60-year-old woman to $1614 for a 25-year-old guy. According to our research, a 25-year-old guy pays 3% more than the national average, while the car insurance for women in the 25-year-old bracket pays 1% more than the national average of Nationwide.

For 35-year-old Nationwide customers, women paid 6% less than the national average, while males paid nearly precisely the national average, with a difference of around 50 cents. According to our research, the average rate for senior car insurance for women is 9% lower than the national average, while the average rate for men is 5% lower.

  • Nationwide Rates for Teen Drivers - According to our research, Nationwide is the cheapest and most readily available car insurance for teen drivers. A six-month national policy with a teen and parent costs $1272 on average, which is less than half the national average of $2865.
  • Nationwide Rates for Young Adults - Nationwide's pricing for young adult drivers is slightly higher than our survey's national averages, but it is still among the cheapest. The study rate for young adult female drivers is $1503, around $10 higher than the average across the organizations we looked at. Young adult men pay an average of $1611.
Age Bracket and Gender Rates
<25 or 25-year-old female driver $1503
<25 or 25-year-old male driver $1611
  • Nationwide Rates for Seniors - Nationwide is the cheapest car insurance for drivers in their 60s. At $81 per month, and can cover all of your bases in terms of coverage.
Age Bracket and Gender Rates
60-year-old female driver $972
60-year-old male driver $972

Nationwide car insurance rates by coverage

Type of Drivers Nationwide Insurance annual rates
Good Drivers $1290
Drivers with a speeding ticket $1566
Drivers who cause at-fault accidents $1917
Drivers with a DUI $2565

Nationwide Average Insurance Cost By State

States Rates States Rates
Louisiana $1296 Alabama $1253
Michigan $1302 North Carolina $1251
Florida $1284 Kentucky $1410
California $1281 New Jersey $1419
Missouri $1290 Massachusetts $1326
DC $1293 West Virginia $1296
Rhode Island $1311 Washington $1278
Wyoming $1326 Hawaii $1253
Texas $1500 Utah $1296
Georgia $1410 North Dakota $1410
Montana $1419 Oregon $1419
Connecticut $1253 Tennessee $1326
South Dakota $1269 Illinois $1311
Colorado $1278 Indiana $1251
Arkansas $1251 Alaska $1253
Kansas $1266 New York $1266
Delaware $1380 Vermont $1296
Arizona $1371 Virginia $1278
Maryland $1362 Iowa $1410
South Carolina $1410 Pennsylvania $1326
Minnesota $1251 Ohio $1251
Oklahoma $1311 Idaho $1311
New Mexico $1326 Wisconsin $1296
Nebraska $1278 New Hampshire $1419
Nevada $1253 Maine $1278
Mississippi $1296    

Nationwide auto insurance discounts

Nationwide offers the following discounts for their customers:

  • Multi-policy
  • SmartRide
  • SmartMiles
  • Free of mishaps
  • Excellent student
  • Driving defensively
  • Anti-theft
  • Driver caution
  • Signing up for payment is simple.

Discounts differ between firms and across state lines, so drivers should always check with the branch closest to them.

Nationwide customer feedback and satisfaction report

In comparison to its size, Nationwide reported fewer complaints to state regulators for home and auto insurance than projected. Nationwide rates were higher than the national average in terms of auto insurance customer satisfaction.

Way.com Summary

Nationwide is considered among the best car insurance companies for claims management. When it comes to claims administration and customer care, Nationwide stands out as one of the top insurance providers. Nationwide customer service is everything when you need help or a claim.

According to our study, around 47 percent of respondents who had not filed a claim with Nationwide said they were entirely satisfied with the firm, giving it a five-out-of-five rating. Nationwide was awarded four out of five stars by approximately 28% of those polled.

The satisfaction level rises among respondents who have made a claim, with approximately 76 percent indicating they were entirely satisfied with the convenience of submitting a claim and a further 12 percent replying with a four-out-of-five rating. Approximately 4% of those polled responded with a one-point rating.

Our survey respondents ranked Nationwide for the convenience of contacting customer support, with 47 percent of those who had not filed a claim giving it a five-out-of-five rating, and another 23 percent giving it a four-out-of-five rating. In terms of those who did submit a claim, 72 percent gave it a five-out-of-five rating, while 16 percent gave it a four-out-of-five rating.

About Nationwide Car Insurance

Nationwide began as a small mutual car insurance company in 1926 and has since evolved to become one of the world's largest insurance and financial services firms. It is currently a Fortune 100 corporation that sells insurance for cars, houses, businesses, and other things.

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A Brief History of Nationwide

The first auto insurance coverage was sold by Nationwide, formerly known as Farm Bureau Mutual Automobile Insurance Co., in 1926. In 1934, Nationwide purchased a fire insurance firm and sold its first property insurance policy. Intending to provide insurance across the country, Farm Bureau Mutual Car Insurance changed its name Nationwide in 1955.

The company's headquarters are in Columbus, Ohio, and it services customers in all 50 states.

Nationwide's Charitable Causes

The Nationwide Foundation was founded in 1959 to improve the quality of life in communities. Since its inception in 2000, the foundation has donated more than $550 million to charitable organizations that benefit communities where Nationwide employees are concentrated.

In addition, a huge number of Nationwide workers volunteer their time and money to charities they care about, such as the American Red Cross, Feeding America, Nationwide Children's Hospital, and United Way, each year.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

How much is Nationwide car insurance?

The average annual Nationwide car insurance rate is $1290. The rate projected here is an average number. Your car insurance premium depends on your driving history, credit history, place of residence, and your various other personal details..

Is Nationwide car insurance cheap?

Nationwide offers competitive rates that are often lower than the national average in most driver demographics we looked at.

Is Nationwide car insurance good?

According to our annual pricing analysis and customer satisfaction survey, Nationwide is a good choice for auto insurance for most motorists.

How to cancel car insurance Nationwide?

If you find a lower deal elsewhere or your existing insurer isn't checking all the appropriate boxes, you can cancel your Nationwide coverage at any time. You have a few options when it comes to canceling your Nationwide coverage. However, calling your local agent is the quickest option.

Does Nationwide offer homeowners insurance?

Yes, Nationwide offers homeowners insurance.

How to pay Nationwide car insurance online?

Use your credit card, debit card, or bank account number to make a one-time payment over the phone at any time. Call 1-866-665-4992 with your account or policy number and ZIP code available.

Does Nationwide offer gap insurance?

The Hire and Lease GAP insurance policy from Nationwide (also known as Finance GAP) is intended exclusively for cars on Contract Hire and Personal Contract Hire agreements.

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