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Nationwide Car Insurance Review 2023

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Nationwide is a notable auto insurance company that offers various coverage options and tons of discounts to help customers save on car insurance and beyond.
Comparison shopping for the best auto insurance rates has never been easier than with Jerry. As a licensed insurance broker, Jerry partners with a host of the nation’s top car insurance companies to help you secure the lowest customized auto insurance rates around. We’ll compare Nationwide’s rates with quotes from dozens of other insurance companies, all in about 45 seconds.
Jerry’s team of expert agents is always here to help you navigate your auto insurance options. That’s why we’ve created this Nationwide car insurance review to assist you with the many car insurance options available.

Nationwide auto insurance overview

Even with the name Nationwide, this insurance company doesn’t quite cover all states—coverage is not available to residents of Alaska, Hawaii, Louisiana, and Massachusetts.
Nationwide’s insurance products consist of standard auto insurance and home insurance, including condo insurance and renters insurance. You can also purchase life insurance and various specialty insurance options like pet or travel insurance.
But is Nationwide auto insurance financially secure? In one word—yes!
Nationwide has received an A+ rating from BBB (Better Business Bureau) and AM Best—the only credit rating agency focusing solely on the insurance industry—for financial strength. This means you can generally expect Nationwide to pay out insurance auto claims to their customers.
But when it comes to customer satisfaction, Nationwide has left a lot to be desired. In fact, J.D. Power’s 2022 Auto Insurance Study ranks Nationwide in the lower range for customer satisfaction across most of the country, except the Southeast region.

Nationwide pros and cons

Wide range of coverage optionsLow customer satisfaction ratings
Strong financial strength ratingHigh rate of complaints from customers
Many discount opportunitiesNo rideshare coverage
Usage-based insurance (UBI) available

Nationwide claim resolution time

Along with many other insurance companies, Nationwide can resolve property damage claims in about 30 days. However, resolution time varies on the nature of your car insurance claim. 

How to get Nationwide car insurance quotes

Would you like to compare Nationwide auto insurance quotes with quotes from other leading insurance companies like GEICO and Allstate? Then all you have to do is download the Jerry app! In less than one minute, you’ll be able to compare your coverage options from Nationwide to other top insurance companies nationwide.


You can file an auto claim 24/7 with Nationwide through your personal insurance account on Nationwide’s website or by calling 1-800-421-3535.
You’ll have to provide some basic information about your claim, then your claims service representative will help walk you through your options. You can choose between having repairs done or opting for payment instead. If you decide to get repairs done, your Nationwide representative will help you find an approved repair shop near you.
Overall, Nationwide is a good car insurance company that provides dependable auto insurance, affordable rates, and a wide range of coverage options.
But remember that customer satisfaction ratings are generally on the lower end among auto insurance companies—so you may want to keep your options open.
As explained above, Nationwide offers car insurance coverage in 46 states—all except Alaska, Hawaii, Louisiana, and Massachusetts.
If you need to contact a Nationwide insurance representative, call 1-877-On Your Side (1-877-669-6877) or log into your Nationwide account if you’re an existing customer.
To get Progressive quotes you can compare to rates from other companies, download the Jerry app. 

Nationwide car insurance cost

Nationwide boasts about providing affordable rates on car insurance—but is there any truth to this claim?
It’s definitely possible! On average, Nationwide drivers pay between $51 and $249 a month. Considering this is a broad range, Nationwide’s many discount options and higher rates for teen drivers may explain the difference in price points for monthly payments.
But let’s not forget about coverage limits! Check out the table below to compare the difference between Nationwide’s average rate for minimum coverage and full coverage with other top insurance companies.

What factors does Nationwide look at?

All car insurance companies use various methods to calculate insurance premiums for customers. At Nationwide, your annual premium will be based on:
  • Age
  • At-fault accidents
  • Continuous insurance coverage
  • Coverage selections and deductibles
  • Credit score
  • Driving record
  • Gender
  • How you pay (in full, online, etc.)
  • Marital status
  • Other accidents (even a no-fault accident record can still raise your rate!)
  • Traffic violations
  • Vehicle make and model
  • ZIP code

Which Nationwide customers get the best rates?

Nationwide customers who tend to lock in the most competitive rates compared to the national average are:
  • Drivers in Ohio and West Virginia
  • Middle-aged and older drivers
  • Drivers with speeding tickets (though don’t get too many!)
On the other hand, teen drivers and drivers with a DUI violation are much more likely to obtain higher rates through Nationwide compared to other popular insurance companies.
Check out the table below to understand how Nationwide’s average rates compare to other providers.
Before Jerry
After Jerry
Clean Record$2,624$1,804
Passing School Bus$7,955$5,417
Seat Belt$3,937$2,306
Cell Phone$3,754$2,831
Driving on Sus. License$3,084$1,950
Failure to Obey Traffic Sign$2,929$2,016
Illegal Turn$2,864$1,626
Careless Driving$2,841$1,991
Improper Passing$2,790$1,938
Speeding under 15$2,786$1,889
Speeding over 15$2,731$1,859
Defective Equipment$2,694$1,649
Open Container$2,624$1,962
Racing/Drag Racing$2,100$1,906
See More

Nationwide car insurance rates with violations

Even if you’re a seemingly safe driver, you may be labeled a high insurance risk by your insurance company if you’ve accrued multiple minor violations—or even just one major offense like a DUI. These hits to your driving record are sure to raise your insurance premium dramatically.
Check out the table below to compare the average rates for Nationwide customers with various traffic violations. 
Driving InfractionAnnual Cost
Annual Savings With Jerry
Clean Record$1,804$820
Passing School Bus$5,417$2,538
Seat Belt$2,306$1,631
Cell Phone$2,831$923
Driving on Sus. License$1,950$1,134
Failure to Obey Traffic Sign$2,016$913
Illegal Turn$1,626$1,239
Careless Driving$1,991$851
Improper Passing$1,938$852
Speeding under 15$1,889$897
Speeding over 15$1,859$872
Defective Equipment$1,649$1,045
Open Container$1,962$662
Racing/Drag Racing$1,906$194

Nationwide car insurance cost with DUI

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Nationwide car insurance cost with a speeding ticket

Nationwide customers with a newly-acquired speeding ticket pay an average annual rate of {dynamic text} for auto insurance. That’s an added increase of {dynamic %} over the average rate without a speeding ticket. But remember that receiving numerous speeding tickets, or even just one ticket for speeding well above the speed limit, can lead to increased rates.

Nationwide car insurance rates by age

Age is a major factor that affects your auto insurance premiums. Look at the graph below to note how insurance rates for different age groups compare among Nationwide policyholders. 

Nationwide car insurance cost for young drivers

Considering that young drivers are more likely to be involved in a car accident or violation, teen drivers are widely considered the highest risk age category for many top insurance companies. And though Nationwide does not charge teen drivers as much as other insurance providers, young drivers will pay more than older Nationwide customers.
But don’t fret—Nationwide offers a good student discount to help you save when full-time high school or college students maintain a minimum B average or better.

Where is Nationwide insurance the cheapest?

On average, Nationwide insurance rates are usually the cheapest in Ohio and West Virginia, but more often than not, you’ll be able to find competitive rates in all states that offer Nationwide car insurance. Let’s take a closer look at the table below to compare the average Nationwide rate in every state where this insurance company is available. 
North Dakota$1,209
West Virginia$1,306
South Dakota$1,326
North Carolina$1,413
New Hampshire$1,636
New Mexico$1,707
South Carolina$1,820
Rhode Island$1,835
District Of Columbia$2,015
New Jersey$2,109
New York$2,888
See More

Nationwide car insurance discounts

Nationwide is bursting with discounts! And if you qualify for several discounts, you could see a low rate in your future.
Nationwide provides the following discounts: 
CategoryDiscountDescriptionAverage savings
Accident-free discountMaintain an accident-free driving record, and you might get rewardedVaries
Anti-theft featuresYou can receive this discount if your vehicle features have anti-theft devices, though proof of the installed device may be requiredVaries
Automatic paymentsReceive a one-time discount after you set up automatic deductions from your bank accountVaries
Driver-based discountsSmartMilesA pay-per-mile insurance program that provides a flexible monthly rate based on how many miles you driveUp to 10%
Driver-based discountsSmartRideThis usage-based insurance program monitors your driving habits with the potential to earn a discount in 80 days and gives you 15% off when you enrollUp to 40%
Defensive driverReceive this discount after you complete a state-approved defensive driving safety course—though this may only apply to drivers 55 and older in some statesVaries
Good student discountFull-time students with a B average or higher can save on car insuranceVaries
Multi-policy discountBundle multiple policies—like auto and home—to receive an extra discountVaries
Safe driverIf you have five years or more of safe driving with no at-fault accidents or major violations, you could be rewarded with a discountVaries

Nationwide auto insurance coverage options

If you only need your state’s liability minimum coverage, you can usually find this type of car insurance policy through most insurance companies. But what coverage options does Nationwide provide if you require additional coverage? 
Nationwide offers the following types of coverage: 
  • Comprehensive insurance: If your vehicle is damaged from a non-collision accident such as severe weather, vandalism, theft, or accidents involving animals, comprehensive coverage will help pay for your damages. 
  • Collision insurance: This coverage helps cover damages to your vehicle if you’re involved in any collision with another vehicle or a stationary object.
  • Gap insurance: This coverage may pay the difference between your car’s actual cash value (ACV) and the amount you owe on your loan.
  • Liability car insurance: This insurance includes bodily injury liability and property damage liability that are required by your state to help cover damages for other drivers if you’re at fault in an accident. 
  • Medical payments (MedPay) coverage: Some no-fault states may require this coverage or personal injury protection (PIP) to help cover medical expenses for you and your passengers in the event of a car accident.
  • Roadside assistance: If your car breaks down on the road, this coverage will help pay for 24/7 emergency services like towing, tire changes, and more. 
  • Uninsured/underinsured motorist coverage: This insurance will cover damages and medical expenses if you get into an accident with an uninsured or underinsured driver.
  • Rental car expense: If your vehicle requires time in the repair shop after an accident, this coverage will help pay for a rental car or other transportation.  

Additional products from Nationwide

Nationwide also provides various insurance products to help you potentially save on your auto insurance policy.


If you don’t drive much or work from home, this pay-per-mile car insurance program is for you!
You’ll get the same coverage as a traditional Nationwide auto insurance policy, but you’ll receive a flexible monthly rate based on how often you drive. This program involves installing a SmartMiles device in your vehicle to track the miles you drive per day, and you can keep up with your mileage through your online account.
What if you’re going on a road trip? No problem! SmartMiles only counts the first 250 miles on a single day.


SmartRide is a user-based insurance program that provides personalized driving feedback to help you obtain safe driving habits. You’ll get 15% off when you enroll, and you can potentially save up to 40% based on how you drive with the SmartRide program.
After you sign up, download and activate the SmartRide app to monitor your progress and track your discount. Most drivers earn their discount within the first 80 days! SmartRide measures four driving factors, including:
  • Fast acceleration
  • Hard braking
  • Miles driven
  • Nighttime driving

Accident Forgiveness

Accidents happen, even with the safest of drivers out there. But if you’re at fault, you can usually expect your car insurance rates to increase drastically. But with Nationwide’s accident forgiveness coverage, you can prevent your rates from soaring after your first at-fault accident.
However, please note that accident forgiveness is only available in select states, so reach out to your AAA insurance agent to see if this coverage applies to where you live.

On Your Side Review

Nationwide’s On Your Side Review is a free annual insurance review for all customers. This review involves a quick scheduled chat with a Nationwide insurance professional to ensure your insurance policy is still working for you.
But remember, Jerry can help you compare Nationwide quotes to cheaper quotes from dozens of the nation’s leading auto insurance companies. After you answer a few basic questions about your coverage, we’ll generate customized rates from a pool of top insurance providers.

Nationwide payment options

There are a couple of easy ways to pay for your Nationwide car insurance policy—from automatic payments to simply calling your agent and paying over the phone.
  • Online payments through Nationwide’s payment portal
  • Nationwide’s mobile app
  • By calling 1-888-891-0267 or text PAY to 245569
  • Payment by mail: Nationwide Insurance P.O. Box 742522 Cincinnati, OH 45274-2522

Real Nationwide reviews from Jerry customers

Check out what real Jerry users have to say about Nationwide:

Key Takeaways

  • Nationwide provides affordable rates on a wide range of coverage options for drivers in Ohio and West Virginia, along with middle-aged and older drivers
  • Nationwide offers tons of discount opportunities
  • Teen drivers will pay higher rates than older drivers with Nationwide
  • Nationwide’s customer service receives below-average ratings

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