experts conducted one of the nation's most extensive reviews to collect car insurance information over 18 months. We surveyed over 18,000 policyholders from all 50 states, asking them about their experience with their insurance company’s customer service, renewal process, claims handling, and more.

Here’s a breakdown of how our verified Nationwide policyholders ranked their insurance provider:

4.2

331 Reviews

5 Stars

58.31%

4 Stars

19.64%

3 Stars

12.99%

2 Stars

4.53%

1 Star

4.53%

So, is Nationwide a good insurance company?

Overall, Nationwide is a great insurance company.

After analyzing over 400 verified customer reviews for Nationwide, we determined that the vast majority (82%!) had a positive experience with the service they received, while only 6.7% were negative.

It's easy to see why Nationwide scored so highly on our survey when compared to the national average of only 64% positive reviews and 18.54% negative reviews.

The good: Nationwide's broad variety of coverage options and low-priced rates for drivers with poor credit are frequently cited as advantages for selecting this insurer. Customers of Nationwide have also praised the following features:

Offers accident forgiveness, new car replacement, and vanishing deductible options

Their mobile app is easy to navigate and use

Efficient and effective claims service

On the other hand: customers who wrote negative reviews often said that the rates for minimum coverage at Nationwide were higher compared to other companies.

Jump to:

Nationwide Customer Reviews

Nationwide Pros and Cons

Compare Nationwide Quotes

Policyholders' opinions on Nationwide's pricing, claims handling, customer service, and policy renewal process were gathered through our surveys.

See how Nationwide fared in comparison to other companies in the study by looking at the table below:

Criteria	Nationwide's Rating	Industry Average
Overall	4.3	4.1
Cost / Price	4.1	3.8
Claim Experience	4.5	3.5
Customer Service	4	4
Renewal Experience	4.3	4

We evaluated Nationwide based on our survey data from real drivers as well as the viewpoints of other industry leaders. See how Nationwide stacks up against other US insurance providers below.

Critera	Nationwide	Score Out Of
BBB Rating	A+	A+
NAIC Rating	0.61	6
Clearsurance	4.02	5
A.M. Best Rating	A+	A++
IOS App Store Rating	4.7	5
Google Play Store Rating	4.5	5

Please note* that a greater NAIC score indicates increased risk.

Nationwide car insurance reviews

Not only did we ask Nationwide policyholders to rate the company in several specific categories we were interested in, but we also wanted to hear what they had to say! Keep reading for actual reviews from Travelers auto insurance customers:

Nationwide pros and cons

Based on the results of both our national insurance customer satisfaction survey and publicly available third-party ratings for Nationwide, here are the benefits and drawbacks of purchasing an auto insurance policy from Nationwide:

Pros

Plenty of coverage options

Strong financial strength rating

Many discount opportunities

Usage-based insurance (UBI) available

Cons

Mixed customer satisfaction ratings

No rideshare coverage

Is Nationwide the right insurance company for you?

Nationwide is frequently regarded as one of the top auto insurance providers for:

Drivers located in

Ohio

and

West Virginia

Middle-aged and older drivers

Drivers with speeding tickets

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.

Use the buttons below to review Nationwide's auto insurance offerings.

Is Nationwide car insurance expensive?

Does Nationwide live up to its claim that its auto insurance rates are among the lowest in the country?

24% of reviews for Nationwide mentioned price. 66% of price-related reviews were positive, while only 18% were negative. Looking at the reviews as a whole, it seems that the rates that Nationwide charges for auto insurance are pretty fair for people of all demographics and driving records.

In terms of customer satisfaction with their insurance costs, Nationwide ranked 5th among companies of similar size. Their average score of 4 out of 5 stars is just slightly higher than the 3.81 average across the country. We compared Nationwide to several other insurance providers, and here are our findings:

Nationwide Policy Cost Rating	Ranking	Industry Average
4.1	5	3.8

Keep in mind that each driver's risk profile is different, which means everyone will receive a personalized quote from Nationwide. Nationwide, like other insurance providers, considers the following when calculating your premium:

Age

Gender

Driving record

ZIP code

Insurance history

Driving experience

Type and

amount of coverage

Make, model, and year of vehicle

Although insurance providers in every state have the right to use their rating factors when setting rates, there is still significant variation in premium costs from one location to another.

Nationwide cost reviews

Take a look at how real Jerry users rated Nationwide based on cost below:

Find real Nationwide car insurance quotes

Jerry

will gladly assist you at no cost in determining if Nationwide is the best option for you. Helping you quickly and easily

compare auto insurance quotes

from Nationwide and 55+ other providers is what we do best, and we've done it for thousands of drivers just like you.

Some recent quotes we've received from Nationwide that illustrate how your driving record can affect your premiums are shown below.

Premium (monthly)	Customer	Car	Insurance Coverage
$118	Lettie, 39 West Hartford, CT	Mazda CX-5 Grand Touring Reserve	• State Minimum Liability • Comp / Collision
$98	Bettie, 45 Bloomington, IN	Buick Rendezvous CX	• 50,000/100,000 Liability • Comp / Collision
$200	Howard, 41 Jacksonville, AR	Jeep Renegade Latitude	• 25,000/50,000 Liability • Comp / Collision
$250	Hallie, 33 Fontana, CA	Mazda CX-5 Sport	• 50,000/100,000 Liability • Comp / Collision
$117	Elnora, 45 North Chesterfield, VA	Infiniti Q50	• State Minimum Liability • Comp / Collision

Last Updated Oct 30, 2024

Compare car insurance quotes now

Will Nationwide raise your rates?

Like any insurance company, Nationwide can only increase premiums when you

renew your policy

Nationwide may decide to increase your premium for the following reasons:

New tickets, violations, or accidents

New address

New driver on the policy

New car on the policy

Inflation

Out of the drivers surveyed, 52% renewed their coverage with Nationwide.

The cost of insurance can go up or down over time regardless of whether or not there have been any changes to your driving record or other factors, so don't be caught off guard if this happens to you.

Does Nationwide resolve claims fast?

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.

The insurance company will investigate the claim, assess the damages or injuries, and determine who is at fault and what coverage is available to settle or deny the claim quickly. Meeting this deadline ensures policyholders receive prompt and effective assistance, reducing claims stress and delays.

About 52% of all Nationwide policyholders have made a claim, according to our survey. Customers were very satisfied with Nationwide's claims service, rating it 4.5 out of 5.

Nationwide's score was higher than the industry norm of 3.54/5. When compared to other businesses of a similar size, we placed Nationwide in 2nd based on the claims process feedback of their verified customers.

By reading the comments below, you can get a feel for what it's like to file a claim with Nationwide:

Nationwide Claims Resolution Rating	Ranking	Industry Average
4.5	2	3.5

Nationwide claims reviews

Check out how real Jerry users rated Nationwide based on claims handling below:

Does Nationwide have good customer service?

Customer service is not really among Nationwide's strong points.

Survey participants gave Nationwide's customer service a score of 4 out of 5. Comparing Nationwide's customer service to the national average of 3.9, it's just a little bit above average.

The general responses to our survey about Nationwide's customer service were:

Nationwide Customer Service Rating	Ranking	Industry Average
4	12	4

Nartionwide customer service reviews

Check out how real Jerry users rated Nationwide based on customer service below:

Nationwide car insurance discounts

Nationwide is practically bursting with

discounts

A driver's monthly premium can be reduced significantly by qualifying for discounts such as those for a good driving record, low mileage, and policy bundling. Installing safety features and switching to a policy based on your driving habits can also help you save money on auto insurance.

Discounts offered by Nationwide include:

Accident-free discount: Maintain an accident-free driving record, and you might get rewarded.

Anti-theft features: You can receive this discount if your vehicle features have anti-theft devices, though proof of the installed device may be required.

Automatic payments: Receive a one-time discount after you set up automatic deductions from your bank account.

SmartMiles: A pay-per-mile insurance program that provides a flexible monthly rate based on how many miles you drive Up to 10%

SmartRide: This 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 enroll, for up to 40% in savings.

Defensive driver: Receive this discount after you complete a state-approved defensive driving safety course—though this may only apply to drivers 55 and older in some states

Good student discount

: Full-time students with a B average or higher can save on car insurance

Multi-policy discount: Bundle multiple policies—like auto and home—to receive an extra discount

Safe driver: If you have five years or more of safe driving with no at-fault accidents or major violations, you could be rewarded with a discount

Keep in mind that insurance discounts are subject to change. You can get the most up-to-date information on the discounts Nationwide is offering right now by checking out their website or getting in touch with a representative.

Nationwide 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 do 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.

Nationwide’s additional tools and services

You can save money on your auto insurance premium by taking advantage of the other services offered by Nationwide.

SmartMiles: Nationwide's pay-per-mile car insurance suits low-mileage drivers and remote workers. It offers usual coverage but with a flexible monthly rate determined by driving habits tracked through the SmartMiles device. Road trips are covered too, counting only the first 250 miles in a day.

SmartRide

: SmartRide is a personalized insurance program that provides driving feedback to encourage safer driving habits. You receive a 15% discount upon enrollment, with up to 40% in savings based on driving behavior. It evaluates acceleration, braking force, mileage, and nighttime driving.

Accident forgiveness

: With Nationwide's accident forgiveness coverage, you can avoid having your rates skyrocket following your first at-fault accident. However, keep in mind that accident forgiveness is only available in a few states, so check with your insurance agent to see if this coverage is available 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.

Keep in mind that these supplementary tools and services are not guaranteed and may be unavailable in your area or with the policy you've chosen. To find out what services are offered in your area, check out the Nationwide website or give them a call.

MORE:

Should You Get a Nationwide Umbrella Policy?

Compare Nationwide quotes by driver profile

Learn how your Nationwide insurance quote could change based on the information you provide for your driver profile below.

Nationwide quotes for teens and seniors

Though Nationwide does not charge

teen drivers

as much as other insurance providers, young drivers will pay more than older Nationwide customers.

Nationwide

Barry (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Seguin, TX

GMC Terrain SLE

$225

per month

Nationwide

Polly (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Oceanside, CA

Ford Fusion SE Hybrid

$326

per month

Nationwide

Austin (24 years old)

Coverage

State Minimum

Charlotte Court House, VA

Honda Civic LX

$176

per month

Nationwide

Sadie (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Fort Worth, TX

Ford Mustang

$324

per month

Nationwide

Mary (24 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Union City, NJ

Hyundai Tucson SE

$206

per month

Senior drivers

(those aged 55 and up) can get low rates from Nationwide.

Nationwide

Sean (74 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Daniel Island, SC

Toyota Avalon

$91

per month

Nationwide

Ricardo (66 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Marietta, GA

Nissan Rogue S

$272

per month

Nationwide

Kevin (66 years old)

Coverage

State Minimum

Phoenix, AZ

Ford F150

$60

per month

Nationwide

Jean (68 years old)

Coverage

State Minimum

Wheeling, WV

Buick Encore Premium

$77

per month

Nationwide

Bertie (67 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

New Vienna, OH

KIA Optima LX

$63

per month

Nationwide quotes for drivers 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 Nationwide insurance premium dramatically.

A rise in rates may result from even the most common traffic violations, such as speeding. Here are some quotes from real drivers who told Jerry about their experiences with Nationwide.

Accident Type	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 1-5	$77	Gilbert, 56 Zip: 29306	Nissan Murano S	• State Minimum Liability
Speeding 6-10	$121	Annie, 59 Zip: 29209	KIA Sorento EX	• State Minimum Liability • Comp / Collision
Speeding 11-15	$278	Harry, 35 Zip: 80634	RAM 1500 Longhorn	• 100,000/300,000 Liability • Comp / Collision
Speeding 16-20	$243	Ethel, 35 Zip: 10467	Honda Civic LX	• State Minimum Liability • Comp / Collision
Speeding 21+	$193	Tom, 32 Zip: 60403	Toyota Scion IA	• 100,000/300,000 Liability • Comp / Collision

Last Updated Oct 29, 2024

The cost of auto insurance can rise after a conviction for DUI, and Nationwide has some of the highest rates in the country after such convictions.

Nationwide

Jennie (49 years old)

DUI

Coverage

State Minimum

Wyoming, MN

Nissan Rogue S

$213

per month

Nationwide

Kyle (32 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Indio, CA

Honda HR-V LX

$133

per month

Nationwide

Loretta (34 years old)

DUI

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Moreno Valley, CA

Tesla Model 3

$180

per month

Nationwide

Barbara (58 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Old Hickory, TN

Mazda B4000 Cab Plus

$77

per month

Nationwide

Belle (41 years old)

DUI

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Fairmont, MN

Dodge Journey Crew

$101

per month

When it comes time to renew your Nationwide insurance policy after being involved in an accident, you can expect to pay more.

Accident Type	Premium (monthly)	Customer	Car	Insurance Coverage
At Fault With Injury	$161	Rachel, 24 Zip: 90047	BMW 528 i	• State Minimum Liability
At Fault With Injury	$133	Jose, 47 Zip: 28311	Honda Accord EXL	• State Minimum Liability • Comp / Collision
At Fault With Injury	$105	Sadie, 32 Zip: 27545	Toyota Corolla L	• 50,000/100,000 Liability • Comp / Collision
At Fault With Injury	$72	Katharine, 37 Zip: 28215	Nissan Rogue S	• 50,000/100,000 Liability • Comp / Collision
At Fault With Injury	$157	Adam, 43 Zip: 93444	BMW 320 i	• 100,000/300,000 Liability • Comp / Collision

Last Updated Oct 26, 2024

More than just traffic violations, accidents, and DUIs can result in a rate increase with Nationwide.

Violation	Premium (monthly)	Customer	Car
Careless Driving	$224	Luke, 45 Gresham, OR	Hyundai Sonata Sport
Illegal Turn	$143	Rose, 35 Dallas, TX	Toyota Corolla L
Defective Equipment	$129	Ryan, 38 Tuscaloosa, AL	BMW 328 i Sulev
Driving on Sus. License	$88	Dominic, 34 Slippery Rock, PA	Chevrolet Cruze LT
Failure to Stop	$113	Bertie, 35 Tucson, AZ	Jeep Cherokee Limited

Last Updated Oct 26, 2024

FAQs

How to file a claim with Nationwide?

You can file an auto claim 24/7 with Nationwide through your 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.

How good is Nationwide at paying claims?

Through surveys conducted by Jerry, only a small percentage of respondents expressed dissatisfaction with Nationwide's 30-day claims handling process.

Where is Nationwide car insurance available?

Drivers in every state except Alaska, Hawaii, Louisiana, and Massachusetts can get auto insurance from Nationwide.

Does Nationwide have good reviews?

Yes. According to Jerry's survey of more than 400 actual Nationwide policyholders, the company received an average rating of 4.3 out of 5.

Read all Nationwide car insurance reviews

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 18,000 customers surveyed and 120 carriers reviewed in the past 18 months). We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record. For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.