Nationwide Car Insurance Review 2021

Find out if you’re getting ripped off on your car insurance in less than two minutes.
No long forms · No spam · No fees
  • Quick look: Nationwide car insurance
  • What coverages does Nationwide offer?
  • How much does Nationwide auto insurance cost?
  • Who qualifies?
  • Discounts
  • Additional services
  • Things to keep in mind
Drivers using Jerry to switch to Nationwide will save an average of $1,091 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 ModelStateCityAge
Annual Savings after Switching to Nationwide with Jerry
2021-05-27SubaruForester PremiumCAStockton25-34$144
2021-08-25HondaCr-V EXGACumming35-44$1,092
2021-06-06BMWX1 Sdrive28INYQueens55-64$2,592
2021-08-23ToyotaCamry LGAJonesboro45-54$504
2021-05-09MitsubishiOutlander Sport SESCMyrtle Beach45-54$3,444

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.
RECOMMENDED
Compare auto insurance policies
No spam or unwanted phone calls · No long forms · No fees, ever

How much does Nationwide auto insurance cost?

The average yearly auto insurance premium for minimum insurance with Nationwide is $1,137. And for full coverage that offers stronger financial protection, the average premium is $1,847. 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
$92$165
Younger drivers insured with Nationwide typically pay $2,160 per year, while older drivers tend to pay less—an average of $1,705 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
18-20$2,973$1,578
21-24$2,062$1,082
25-34$1,694$924
35-44$1,659$871
45-54$1,601$1,001
55-64$1,534$919
65+$1,600$865

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$1,737$931
Defective Equipment$1,477$854
Suspension$1,526$1,169
DUI$1,509$1,259
Careless Driving$1,953$1,319
Open Container$1,154$729
Driving on Sus. License$1,678$1,053
Speeding over 15$1,609$903
Eluding Police$1,272$1,110
Seat Belt$2,119$2,169
Failure to Obey Traffic Sign$1,959$1,037
Speeding under 15$1,787$1,133
Illegal Turn$1,164$2,520
Improper Passing$1,806$282
Other$1,868$1,073
Key Takeaway Nationwide offers insurance for drivers of all ages, but it might not be the most affordable choice for high-risk drivers.
Nationwide insurance is available in 46 states and Washington, D.C.—Nationwide does not offer car insurance in Massachusetts, Alaska, Hawaii, and Louisiana.
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
AL$1,801$728
AR$1,917$953
AZ$1,887$1,089
CA$1,900$1,119
CO$1,800$919
CT$2,478$907
DC$3,225$1,226
DE$1,968$1,290
FL$1,587$911
GA$2,150$983
IA$1,260$842
ID$1,343$539
IL$1,584$700
IN$1,545$604
KS$1,561$717
KY$1,889$1,334
MA$2,004$636
MD$2,421$1,268
ME$1,246$612
MI$2,093$1,516
MN$1,652$850
MO$1,859$835
MS$1,577$1,246
MT$1,925$840
NC$1,548$958
ND$1,612$648
NE$1,477$1,066
NH$1,618$728
NJ$1,931$951
NM$1,576$526
NV$2,544$724
NY$1,846$1,231
OH$1,214$439
OK$912$72
OR$1,785$605
PA$1,555$884
RI$2,414$2,047
SC$2,231$1,533
SD$1,752$579
TN$1,701$604
TX$2,073$865
UT$1,479$972
VA$1,459$922
VT$1,246$387
WA$1,923$977
WI$1,639$603
WV$1,440$803
WY$1,360$802
Key Takeaway Using Jerry can help you find the best coverage at the most affordable price, regardless of where you live.

Discounts

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:
DiscountDescription
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.
DiscountDescription
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
RECOMMENDED
Compare auto insurance policies
No spam or unwanted phone calls · No long forms · No fees, ever

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.
Still have some questions?
Learn how Jerry can help you save money on car insurance, our policies, privacy, customer service, and more.
Read FAQ

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies
Find insurance savings — it's 100% free