Does Nationwide Have Good Car Insurance Discounts?
What kinds of car insurance discounts does Nationwide offer—and can they really lower your insurance costs that much?
Written by Macy Fouse
Reviewed by Kathleen Flear
From anti-theft discounts to hefty savings for safe drivers, Nationwide offers a host of car insurance discounts for policyholders who qualify. If you play your cards right, these savings could add up to 50% off of your premium.
It’s one thing to shop for the
cheapest car insurance
company for your needs, but discovering a company’s discount offerings could add a whole new element to car insurance shopping. Most major companies offer a handful of core discounts—but they’re not always advertised publicly. Speaking with an insurance agent directly about your options could unlock big savings without doing any heavy lifting. What auto insurance discounts does Nationwide offer?
Like most major providers, Nationwide’s
car insurance discounts
can be sorted into three different categories: discounts for safe drivers
, vehicle-related discounts, and policy-related discounts. Nationwide also allows policyholders to qualify for more than one discount, so stacking a few of these could lead to sweet savings on your annual premiums.
Nationwide safe driver discounts
Insurance companies benefit the most when their drivers are staying safe on the road—and if you can demonstrate that you’re a safe driver, they’ll reward you with a few discount options. These are the safe driver discounts Nationwide offers:
- Safe driver discount: If you’ve been accident-free and have avoided major violations for the past five years, you could earn a 10% discount from your Nationwide coverage.
- Defensive driving discount: Drivers over 55 with clean driving records could be eligible for a 5% discount if they pass a state-certifieddefensive driving course.
- SmartRide discount: Opting in for Nationwide’stelematics insurance programprovides feedback for safe driving and provides a 10% discount just by signing up. The safer you drive, the more you can save—up to 40% on your premium.
- Accident-free discount: If you’ve steered clear of any accidents, Nationwide will discount your insurance costs—though the specifics aren’t clear and vary by location.
- Good student discount: Good grades mean a student is more likely to be a responsible driver, andNationwide rewards students16 to 24 who maintain a minimum B average or test in the top 20% of standardized tests. Savings vary, but you could earn an average of 15% with this discount.
- SmartMiles discount: Thispay-as-you-go insuranceplan rewards low-mileage drivers with the same coverage but flexible monthly rates—and it excludes road trips.
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Nationwide vehicle discounts
All insurance providers determine your insurance rates based on your vehicle’s make, model, and condition. For the most part, the lowest rates come with efficient SUVs with good safety ratings while powerful
sports cars
and luxury vehicles
get hit with the highest rates. Nationwide currently only has one vehicle-based insurance discount for drivers, and that’s their
anti-theft device
discount. Drivers with cars equipped with either factory-installed theft deterrents or after-market additions are eligible for a discount, but the savings will depend on the device and your location.Nationwide policy discounts
The type of Nationwide insurance policy you choose and how you pay it can also influence your discount eligibility. Here’s how:
- Multi-policy discount: You can earn a discount from Nationwide if youchoose to bundleyour car insurance andhomeowner’s insurance.
- Multiple car discount: If you insuremultiple vehicleswith Nationwide, you may be eligible for a discount on your total premium payment.
- Automatic payments discount: Nationwide policyholders can score a one-time discount if they set up automatic premium payments through a bank account.
- Paperless billing discount: If you opt to receive updates about your policy via email instead of physical mail, you could be met with a recurring discount.
Does Nationwide have good car insurance discounts?
Nationwide offers decent discounts for their competitive car insurance rates, but safe drivers and young drivers benefit from Nationwide discounts the most.
That said, other car insurance companies may offer a more comprehensive array of discount options. Companies like
Travelers
and Progressive
offer discounts for all homeowners, even if your home is insured by another company! Other companies, like Allstate
, provide discounts for new customers who switch companies. Nationwide doesn’t have as many core discounts available for customers, so your best company might come down to your discount eligibility. That’s why it’s always a good idea to review your options and compare quotes from at least three other providers before making a decision.
Keep in mind that Nationwide has other discount options that aren’t advertised online, but they depend on where you live. That’s why it’s wise to speak directly with a Nationwide agent about discount options. If you already have a policy with Nationwide, you’re entitled to a free “On Your Side” insurance review to cover all the details of your policy—including what discounts and benefits you may not be taking advantage of.
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FAQs
Does Nationwide offer a military discount?
Yes, but only in Louisiana. Nationwide offers a military discount of 25% off of a policyholder’s premium.
What is the Nationwide senior discount?
Nationwide doesn’t actually have a
senior discount
available, though they do offer defensive driving discounts to drivers age 55 or older who demonstrate safe driving habits and pass an approved defensive driving course.
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