Nationwide Car Insurance Review 2022

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Drivers using Jerry to switch to Nationwide will save an average of $987 per year on their auto insurance.
If you’re searching for auto insurance, the last thing you want to do is fill out form after form—not to mention dealing with any number of follow-up sales calls.
Jerry is an AI-driven comparison shopping app that makes finding great insurance easier than you ever imagined (and yes—without all the little parts you dread). Sign-up takes only 45 seconds and then you’ll be browsing competitive quotes to choose from. Then, pick the one you like best, and finalize it—all without making a single call or filling out any long forms.
Here are real quotes from Jerry users:
Quote DateCar MakeCar ModelStateCityNameAge
Annual Savings after Switching to Nationwide with Jerry
March 25, 2022ToyotaTacoma Double Cab PrerunnerSCGoose-CreekJohnny M.35-44$1,308
March 28, 2022HondaPassport EliteUTSalt-Lake-CityBruce Y.35-44$950
April 9, 2022ToyotaVenzaOHColumbusHenrietta M.45-54$67
March 29, 2022FordExplorer LimitedINGriffithSean M.25-34$1,895
April 6, 2022GmcTerrain SLTMOCape-GirardeauRodney C.65+$761
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Quick look: Nationwide car insurance

Good for
Wide variety of coverage options
Known track record with good financial strength and reliability
Versatile mobile app

What coverages does Nationwide offer?

Nationwide is well known for providing a wide selection of auto coverage options—some mandatory in most states, others not. Here’s what they offer:

Most common coverages

  • Liability insurance: Liability insurance is obligatory in most states. It comprises bodily injury liability and property damage liability, both of which protect other drivers if you’re involved in an accident and are at fault.
  • Comprehensive insurance: Comprehensive coverage is an option in every state, but if you’re leasing or financing a car, your lessor or lienholder may require it. Comprehensive coverage pays for damage unrelated to a collision—such as from severe weather, theft, or damage from vandalism.
  • Collision insurance: Collision coverage is also optional but, similar to comprehensive insurance, may be mandatory if you’re leasing or financing a car. Collision coverage pays for damage to your car resulting from an accident with another vehicle or fixed object.
  • Uninsured/underinsured motorist protection: Uninsured/underinsured motorist protection reimburses you for expenses due to an accident caused by an uninsured or underinsured driver. Instead of suing the driver, your insurer pays for your costs. This coverage is vital if you reside in a state with a high percentage of uninsured drivers.
  • Medical payments coverage: MedPay covers medical care costs for you and any passengers in your car if you’re injured in an accident—even if you were responsible. MedPay is required in a few states, but optional in most.

Helpful add-ons

  • Accident forgiveness: If you have accident forgiveness on your policy, your rates won’t go up after a collision—even if you’re the responsible party.
  • Gap insurance: If your car is totaled, gap insurance pays the difference between the pre-accident value of your car and what you still owe on your lease or car loan. You must have collision and comprehensive insurance from Nationwide in order to qualify for gap insurance.
  • Vanishing deductible: For every year you drive safely, you’ll be able to reduce your deductible by $100, up to a $500 limit.
  • On your side review: Nationwide offers a complimentary policy assessment every year or after a major life event. An agent will help you make sure your policy is the right one for you, and notify you about any discounts you might be eligible for.
  • Rental reimbursement: If your car is damaged and inoperable, Nationwide offers rental reimbursement, which covers your car rental costs.
  • Roadside assistance: Often known as towing and labor coverage, roadside assistance helps with towing, battery boosts, winching, and fixing flat tires.

Add-ons specific to Natiowide’s Private Client Program

Nationwide’s Private Client Program is tailored to policyholders looking for coverage for luxury cars (it also applies to policyholders looking to insure high-value homes). This program offers add-ons not typically offered for policyholders seeking standard coverage. Here are some add-ons available through the Private Client Program:
  • Increased uninsured/underinsured motorist protection: Offers up to $1 million worth of protection if your car is damaged by an uninsured or underinsured driver.
  • Rental car reimbursement: If your car is totaled, you’ll face no daily limits when renting a car similar to the one declared a total loss.
  • OEM parts: If your car is damaged, this coverage will pay for original equipment manufacturer (OEM) parts to repair your car to match its pre-accident quality.
  • Coverage for rental cars: If you’re renting a car, your policy’s physical damage coverage will cover your rental as well.
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How much does Nationwide auto insurance cost?

The average yearly auto insurance premium for minimum insurance with Nationwide is $1,230. And for full coverage that offers stronger financial protection, the average premium is $2,016. Nationwide has a reputation for offering affordable, competitive rates.
Insurance companies typically weigh a slew of different factors when assessing your insurance rate, such as the type of car you drive, your driving history, and your personal profile. Premiums tend to vary significantly from one driver to the next.
Here’s the average monthly payment for minimum and full-coverage insurance with Nationwide.
Average Monthly Cost for Minimum CoverageAverage Monthly Cost for Full Coverage
Younger drivers insured with Nationwide typically pay $2,348 per year, while older drivers tend to pay less—an average of $1,900 per year.
Age is a critical factor for insurance companies when determining policy rates. Data shows that teenage drivers are nearly three times more likely than drivers over 20 to be involved in a collision and that higher risk means they face much steeper rate hikes than the average driver.
Here’s what drivers pay with Nationwide based on their age group.
Age GroupAnnual Cost
Annual Savings after Switching to Nationwide with Jerry
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Who qualifies?

Nationwide offers insurance to drivers of all ages and is competitive when it comes to insuring young drivers.
While Nationwide insures drivers with recent accidents (aka, high-risk drivers), premiums are typically high. Drivers with infractions on their record may have better luck finding car insurance with a carrier specializing in high-risk drivers.
Here’s the average annual cost of Nationwide insurance for drivers with an infraction on their record.
Driving InfractionAnnual Cost
Annual Savings after Switching to Nationwide with Jerry
Clean Record$1,815$782
Cell Phone$3,044$1,246
Seat Belt$2,305$1,648
Driving on Sus. License$1,987$1,092
Failure to Obey Traffic Sign$2,154$875
Careless Driving$1,978$943
Improper Passing$2,017$757
Speeding under 15$1,923$848
Speeding over 15$1,889$797
Defective Equipment$1,637$927
Illegal Turn$1,391$1,006
Open Container$1,769$549
Wrong Way/Wrong Lane$993$1,143
Racing/Drag Racing$1,906$194
Reckless Driving$1,050$966
Key Takeaway Nationwide offers insurance for drivers of all ages, but it might not be the most affordable choice for high-risk drivers.
As a licensed broker, Jerry assists you in comparing and purchasing car insurance no matter where you live. In just 45 seconds, you’ll be browsing dozens of competitive quotes from the country’s top insurance carriers.
Once you select your pick, Jerry takes care of all the paperwork and cancels your old policy for you.
Here’s the average annual cost of Nationwide insurance based on state.
StateAnnual Cost
Annual Savings after Switching to Nationwide with Jerry
Key Takeaway Using Jerry can help you find the best coverage at the most affordable price, regardless of where you live.
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As a large carrier, Nationwide offers a wide variety of discounts to help policyholders reduce the cost of their car insurance premiums. While the discounts are small by themselves, they can be combined to make a significant dent in your annual insurance costs.
Here are some of the most common driver and vehicle-based discounts offered by Nationwide:
Good studentFor students between 16 and 24 on your policy, you’ll receive a discount as long as they maintain a B average.
Safe drivingAvoid accidents and any traffic violations, and you’ll qualify for a discount.
Accident freeThis is an automatic discount for avoiding accidents.
SafetyShow proof of installation of anti-theft devices and you’ll qualify for a discount.
Defensive drivingFor drivers 55 and over, you’ll get a discount if you pass a Nationwide-approved defensive driving course.
SmartRideGood driving habits tracked by Nationwide’s telematics program can save you up to 40% on your rate.
SmartMilesLow-mileage drivers can also qualify for discounts.
Here are some common policy-based discounts with Nationwide.
Multi policyBundling auto insurance with other policies offered by Nationwide may qualify you for a reduction on your premiums.
Auto PaySetting up automatic payments qualifies you for a small discount.
PaperlessGoing paperless helps the planet and makes things easier for you with a small discount.
Affinity memberIf you belong to an alumni or professional association, you may qualify for a discount.
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Additional services

Nationwide offers SmartRide, a telematics insurance program that tracks your driving behavior through its mobile app or a device that you plug into your car’s diagnostic port. Nationwide measures driver speed, braking habits, the time of day you drive, and your mileage. Nationwide uses this information to determine premiums and potentially reward you with a discount.
Drivers who display safe driving habits can save up to 40% on their insurance, according to Nationwide. You’ll also get a discount just for signing up for the SmartRide program.
As a large insurance company, Nationwide offers a long lineup of other insurance products:
  • Homeowners / renters / condo
  • Life
  • Motorcycle
  • Boat and watercraft
  • Off-road vehicles and ATVs
  • RV
  • Pet
  • Classic cars
  • Umbrella
  • Identity theft

Things to keep in mind

Payment options

Nationwide allows policyholders to pay their premiums online via the company’s mobile app or by calling a customer service representative.

Mobile app

Nationwide offers a convenient mobile app where you can pay your premiums, file claims, get quotes for car, home, or renters insurance, get roadside assistance, and contact an agent as well as scan a VIN number into the app to add a new car to your policy.

Cancelation policy

If you want to cancel your insurance with Nationwide, you’ll need to contact your local Nationwide agent or call the insurer directly at 877-669-6877, as you cannot cancel your policy online. Nationwide customers usually do not face cancellation fees, though if you’ve only held your policy for a short time, you may face a fee. If you are penalized, Jerry can help you get a refund.
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