Does Nationwide Offer Liability Insurance?

Nationwide’s liability insurance coverage is available in 46 states and Washington D.C. Is it the best liability coverage for you?
Written by Sarah Gray
Reviewed by Alita Dark
Drivers, homeowners, and business owners can purchase liability coverage from Nationwide. Liability umbrella policies are also available for both businesses and individuals. Car owners should expect to pay an average of $156 per month for liability coverage.
Liability car insurance
pays for damages to the other party if you’re at fault in an accident. This is the minimum type of
car insurance
that drivers are required to carry in most states. In this guide, we’ll show you what Nationwide has to offer when it comes to liability insurance and how they stack up next to other providers.

Does Nationwide offer liability insurance? 

Yes—Nationwide offers a variety of liability insurance products. Individuals can benefit from
home insurance liability coverage
personal liability insurance
, while business owners can take advantage of both general and umbrella liability insurance. Here, we’ll focus on what Nationwide has to offer drivers when it comes to liability coverage.
Nationwide’s auto liability coverage is split into two categories:
  • Bodily injury liability
    , which pays for medical expenses and other bills associated with injuries sustained in an accident where you’re at fault
  • Property damage liability
    , which pays for repairs to the other driver’s vehicle as well as damage to personal property following an accident in which you’re at fault
Almost all states require drivers to carry both types of liability coverage in specified amounts to drive legally. The minimums and requirements differ by state, so be sure to familiarize yourself with the
minimum car insurance required in your state
before you get behind the wheel.
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Do you need more than liability insurance? 

Whether you need more than your state’s minimum liability coverage depends on a lot of factors. Some states require drivers to carry more than just liability coverage. Depending on where you live, you could be required to purchase
uninsured/underinsured motorist coverage
medical payments coverage (MedPay)
, or
personal injury protection (PIP)
It’s safe to assume that most people can probably benefit from carrying more than just liability coverage, but there are also some situations in which you really need to. Here are some of those situations:
  • Your state requires drivers to purchase additional coverage.
  • Your lender requires additional coverage as a condition of a
    car loan
    or lease. If you’re leasing or financing a vehicle, most lenders will require you to purchase both
    collision insurance
    comprehensive coverage
    in addition to your minimum liability coverage. 
  • You have unique risk factors. If you live in a high-crime area or a part of the country that experiences a lot of inclement weather, comprehensive coverage will probably be of value to you. Also,
    your car insurance may not cover you if you drive for Uber or Lyft
    unless you purchase additional
    rideshare insurance
  • You don’t have health insurance. If you or people who frequently ride with you don’t have health insurance, you should consider adding MedPay and/or PIP to your policy to help pay for medical bills following an accident.
You’re probably wondering if you can get all of these different
types of insurance
through Nationwide—yes, you can. Nationwide offers each of these types of policies and more.

Cost of Nationwide liability insurance

On average, Nationwide customers pay between $567 and $1,866 per year for minimum liability coverage. That’s a really wide range that can be accounted for by a number of individual factors. These include everything from your driving record, age, and credit score to the amount of coverage you choose to carry if you select more than your state’s minimum.
To see how Nationwide compares to some other major providers when it comes to the cost of minimum coverage, take a look at the table below:
Insurance company
Average annual cost of minimum coverage
Average monthly cost of minimum coverage
To find out how much you’ll pay for liability coverage, you should compare offers from at least a handful of providers. Luckily, comparing
car insurance quotes online
is simple and fast, and it could save you hundreds of dollars a year.

The bottom line

Nationwide is a solid option to consider when choosing a provider for liability insurance coverage. They will not only meet your basic needs for state-required car insurance, but they can also cover you in several additional areas—and the more policies you carry with them, the bigger
car insurance discounts
you can enjoy.
But before you decide on Nationwide or any one provider for your insurance needs, remember to compare offers from several providers to ensure you’ve got the best coverage at the best price.
"Just for state minimum liability, I was getting quotes from $70 to over $100/month until I found
. Now my car insurance is under $30/month, or $140 for 6 months. Thank you, Jerry!” —Frank S.
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Put simply, liability insurance covers other drivers’ expenses if you cause an accident.
Full-coverage insurance
includes not only liability coverage but also collision and comprehensive coverage to pay for your damages whether or not you’re at fault in an accident. Plus, it can help protect you against financial losses associated with vehicle theft and pay for damages resulting from things other than car accidents—like weather and vandalism.
Yes—unless you live in
New Hampshire
, you’re required to purchase minimum amounts of liability coverage to drive legally.
No, liability car insurance doesn’t come with a deductible. You’ll only need to pay a deductible on collision and comprehensive claims if you have full-coverage insurance.
Yes—you’ll receive a Nationwide insurance ID card in the mail. You can also access your ID card at any time through the mobile app or your online account.
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