Nationwide Auto Insurance Review for 2026 (+Rates & Discounts)
Our Nationwide Auto insurance review explains why Nationwide is a great choice, offering rates as low as $56 a month. With the SmartRide program, drivers can save up to 25% by driving safely, making it a top option for affordable, customizable coverage that rewards good habits.
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Table of Contents
Table of Contents
Insurance and Finance Writer
Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...
Merriya Valleri
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Jeff Root
Updated January 2026
This Nationwide auto insurance review reveals why the company stands out with its top-rated SmartRide program, which offers up to 25% savings for safe driving, and its A+ financial strength rating.
Nationwide’s customizable policy options allow drivers to find coverage that fits their needs, though rates can be higher than some competitors. Many reviews say good things about Nationwide’s customer service, but there are complaints mainly about how long it takes to process claims.
Nationwide Auto Insurance Rating
| Rating Criteria |  |
|---|---|
| Insurance Rating | 4.5 |
| Business Reviews | 4.5 |
| Claim Processing | 5.0 |
| Company Reputation | 4.5 |
| Coverage Availability | 5.0 |
| Coverage Value | 4.3 |
| Customer Satisfaction | 4.7 |
| Digital Experience | 4.5 |
| Discounts Available | 3.5 |
| Insurance Cost | 4.4 |
| Plan Personalization | 4.5 |
| Policy Options | 4.0 |
| Savings Potential | 4.6 |
This summary looks at what Nationwide does well and where it can improve so you can make wise decisions. With options for additional discounts, Nationwide continues to be a competitive choice for reliable auto insurance.
Use our free comparison tool to save on your auto insurance.
- Nationwide holds an A+ insurance rating, reflecting its strong financial stability
- SmartRide program rewards safe drivers with up to 25% savings on premiums
- Customizable coverage options let drivers tailor policies to their needs
Key Insights on Nationwide Auto Insurance
This review of Nationwide auto insurance will examine what the company does well and where it can improve based on its current position in the market.
Nationwide has very good financial strength ratings. A.M. Best gives it an A+ (superior), and the Better Business Bureau (BBB) also rates it an A+. However, some customers have complaints about Nationwide claims on the BBB website that show there are still areas where the company can improve.
Here is a brief glance at how Nationwide auto insurance prices change by age, gender, and level of coverage. The table below demonstrates the effect these factors have on what you pay.
Young drivers, mainly aged 16 to 18, have the highest rates because they don’t have much driving experience and need specific types of auto insurance. For instance, a boy who is 16 years old may pay about $279 for basic insurance coverage. A girl may spend about $230 when she is the same age. However, costs drop significantly when they reach 25; girls might pay only $74, and boys could spend around $81.
When people reach age 45, insurance premiums become the cheapest, and there is very little difference between male and female drivers. This summary shows how Nationwide adjusts rates by examining these crucial factors. To learn more about Nationwide’s auto insurance rating, keep reading.
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Nationwide Insurance Claims Process
You might be wondering, “how does Nationwide pay claims?” Customers can call the Nationwide insurance phone number or the Nationwide claims number directly to start the claims process. Still, many policyholders say calling the Nationwide insurance claims phone number to file a claim isn’t as straightforward as it sounds.
How long does Nationwide take to process a claim? Nationwide insurance claims complaints say that Nationwide’s car insurance claims take too long to finish while other claims get denied when they shouldn’t be. So if you’re planning to purchase an auto insurance policy with Nationwide, you may want to consider what policyholders say about the claims process.
Nationwide's SmartRide program offers drivers up to 25% savings for safe driving, making it a leader in usage-based discounts.Justin Wright Licensed Insurance Agent
Is Nationwide good about paying claims? Nationwide Mutual Insurance Company financial strength is strong. Keep reading our expert Nationwide insurance review to learn more.
Nationwide Insurance Coverage Options
Nationwide offers many types of auto insurance, giving drivers good protection and flexibility. These options include accident forgiveness and rental coverage, which can help drivers feel more secure.
Nationwide Auto Insurance Coverage Options
| Coverage Type | Description |
|---|---|
| Accident Forgiveness | No rate hike post-accident |
| Collision | Damage from collisions |
| Comprehensive | Non-collision damage |
| Gap Insurance | Covers loan/lease gaps |
| Liability | Damages to others |
| Medical Payments | Pays medical expenses |
| Personal Injury Protection (PIP) | Medical, wage coverage |
| Rental Reimbursement | Pays for rental car |
| Roadside Assistance | Help for breakdowns |
| Underinsured Motorist | Fills insurance gaps |
| Uninsured Motorist | Covers uninsured accidents |
Nationwide offers many choices for changing insurance plans, so you can easily make a policy that fits your life. If you need more help with doctor bills or assistance when your car breaks down, Nationwide handles everything.
Nationwide auto insurance coverage options include:
- Bodily Injury Liability
- Property Damage Liability
- Personal Injury Protection
- Uninsured/Underinsured Motorist
- Accident Forgiveness
Nationwide auto insurance provides various coverages so policyholders can choose what they need to feel secure while driving. It also offers programs such as Nationwide roadside assistance, which is useful if your car stops working suddenly.
Nationwide Insurance Add-On Options
What is an add-on to an insurance policy? There are several Nationwide add-on options customers can purchase with a Nationwide policy, including:
- Roadside Assistance
- Rental Reimbursement Coverage
- Gap Coverage
- Vanishing Deductibles
- Total Loss Deductible Waiver
The add-ons listed above will likely make a Nationwide insurance policy more expensive, but they could also give you peace of mind while driving.
Nationwide Insurance Rates Breakdown
So, how much is Nationwide car insurance per month? Your Nationwide auto insurance rates will depends on several factors, such as:
- Age
- Gender
- Marital Status
- Car Make and Model
- ZIP Code
Nationwide insurance quotes tend to be high compared to competitors’, but auto insurance premiums with Nationwide still remain below the national average in most instances. Nationwide deductible options also vary, helping keep premiums low.
The table below shows monthly auto insurance rates with Nationwide Mutual compared to other well-known insurance providers.
Nationwide vs. Top Competitors: Auto Insurance Monthly Rates by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $78 | $175 |
 | $69 | $157 |
 | $74 | $172 |
 | $55 | $136 |
 | $82 | $186 |
| $64 | $151 |
 | $71 | $166 |
 | $59 | $143 |
 | $70 | $160 |
U.S. Average | $61 | $165 |
If you’re looking for reliable coverage without breaking the bank, Nationwide’s rates make it a good pick. Whether you need basic or full coverage, Nationwide keeps pricing fair and accessible.
Nationwide Auto Insurance Rates by Age
Age is a very important factor in deciding car insurance costs. Teenagers have the highest rates because they don’t drive much and are new to driving. Their lack of experience makes them more risky drivers, so insurance companies charge them more.
Nationwide Auto Insurance Monthly Rates for Teens
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| Female Age 16 | $18 | $452 |
| Male Age 16 | $203 | $490 |
| Female Age 18 | $133 | $330 |
| Male Age 18 | $139 | $349 |
When drivers get older and have more time behind the wheel, their car insurance costs might decrease if they maintain reasonably good driving records. Look at how the rates for young drivers compare to those for grown-up drivers in this chart, highlighting the impact of auto insurance rates by age.
Teen drivers can save significantly with Nationwide, where female 16-year-olds pay as low as $161 for basic coverage.Kristen Gryglik Licensed Insurance Agent
Nationwide is more affordable for adult drivers with clean driving records because it offers full coverage rates that are frequently comparable to or even lower than the national average. Male drivers aged 30, 45, and 55 may pay the following sum for Nationwide insurance.
Nationwide Auto Insurance Monthly Rates for Adults
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| Female Age 30 | $72 | $165 |
| Male Age 30 | $73 | $170 |
| Female Age 45 | $63 | $146 |
| Male Age 45 | $64 | $151 |
| Female Age 55 | $58 | $137 |
| Male Age 55 | $60 | $142 |
With rates generally lower than the U.S. average, Nationwide gives adult drivers solid full coverage without the high price tag. It’s a smart pick for drivers who want reliable coverage and fair pricing.
Nationwide provides good insurance rates for drivers who are 65 years old and have clean records. These rates are a little less than the average rate in the country. It is a very good choice for older people looking for affordable and trustworthy coverage options.
Nationwide Auto Insurance Monthly Rates for Seniors
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| Female Age 60 | $54 | $130 |
| Male Age 60 | $55 | $132 |
| Female Age 65 | $52 | $123 |
| Male Age 65 | $53 | $128 |
Nationwide’s rates are a good mix of cost and coverage for seniors who drive well. With lower-than-average prices, it is a wise choice for older drivers who want quality insurance without paying too much.
Nationwide Auto Insurance Rates by Credit Score
Does credit score affect car insurance? Yes, your credit score is another factor that helps decide how much you pay for car insurance. A higher credit score might contribute to lower auto insurance premiums.
Nationwide Auto Insurance Monthly Rates by Credit Score
| Score | Rates |
|---|---|
| Good Credit | $90 |
| Fair Credit | $108 |
| Bad Credit | $126 |
Having a high credit score might facilitate saving money on auto insurance with Nationwide Mutual Insurance Company. Drivers 45 years old and older with better credit scores get lower monthly payments, so considering your credit is essential when looking for full coverage auto insurance.
Nationwide Auto Insurance Rates by Driving History
If you are a safe driver and keep your driving record clean, you have a good chance of keeping your car insurance rates low. Take a look at how your rates can change if you get a DUI, a ticket, or are involved in an at-fault accident.
Nationwide Auto Insurance Monthly Rates by Driving Record
| Driving Record | Minimum Coverage | Full Coverage |
|---|---|---|
| Clean Record | $64 | $151 |
| One Ticket | $78 | $189 |
| One Accident | $87 | $215 |
| One DUI | $110 | $262 |
Find and compare Nationwide quotes with quotes from other insurance companies to ensure you get the coverage you want at the best price.
Nationwide vs. Leading Auto Insurers: A Detailed Look
Evaluate Nationwide’s offerings against other providers to make an informed decision. Explore the comparisons below to gain insight into Nationwide’s competitive position within the industry.
Nationwide auto insurance rates are reasonable and stay fair, especially if you drive well without accidents. Prices can change based on how you drive in the past. When looking at other companies, Nationwide gives a strong choice for monthly payments, no matter your driving history.
Nationwide vs. Top Competitors: Auto Insurance Monthly Rates by Driving Record
| Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
 | $78 | $94 | $105 | $133 |
 | $69 | $84 | $93 | $118 |
 | $74 | $90 | $100 | $127 |
 | $55 | $66 | $74 | $94 |
| $82 | $100 | $112 | $141 |
 | $64 | $78 | $87 | $110 |
 | $71 | $74 | $96 | $122 |
 | $59 | $86 | $80 | $100 |
 | $70 | $83 | $94 | $119 |
 | $49 | $59 | $66 | $84 |
U.S. Average | $61 | $93 | $104 | $131 |
For drivers who have a ticket or even a DUI, Nationwide Insurance Company is still a reliable choice. However, prices can go up if you have certain violations. It is a good idea to compare rates from different companies with your driving records to see how Nationwide compares and identifies the reputable auto insurance companies that best suit your needs.
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Nationwide Discounts Available
Nationwide Mutual Insurance Company offers several discount options to its policyholders. Nationwide auto insurance discounts include:
- Multi-Policy
- Defensive Driving
- SmartRide
- Anti-Theft
- Nationwide SmartMiles
According to the Nationwide website, discounts may help policyholders save up to 25% on their insurance rates. Utilizing Nationwide SmartRide app can be one of the top-notch choices to save money on coverage.
Nationwide Auto Insurance Discounts by Savings Potential
| Discount Name |  |
|---|---|
| SmartRide® Program | 40% |
| Bundling | 15% |
| Safe Driver | 15% |
| Accident-Free Discount | 10% |
| Affinity Member | 10% |
| Good Student | 10% |
| SmartMiles® Program | 10% |
| Anti-Theft | 5% |
| Defensive Driving | 5% |
| Paperless Billing | 3% |
Before committing to auto insurance with Nationwide, compare quotes from multiple providers to ensure you get the best deal on coverage.
Nationwide SmartRide Reviews
Are you wondering about Nationwide SmartRide? Nationwide’s SmartRide is a program based on how you that allows policyholders to save money by giving some driving information to the company.
Policyholders can get the app to enjoy the discounts offered by SmartRide. Nationwide then watches some driving behaviors, like:
- Miles Driven
- Braking Patterns
- Acceleration Patterns
- Idle Time
- How Often You Drive Between Midnight and 5 a.m.
No matter how you drive, joining SmartRide will never increase your insurance rates. The nationwide insurance app has many other valuable things, too. However, you could save money on your car insurance premium by enrolling in the SmartRide program.
Nationwide’s Competitiveness in Auto Insurance
When choosing the right insurance provider, Nationwide Insurance Company reviews are critical among the best auto insurance companies. These reviews for Nationwide give helpful information about what policyholders experience in different parts of the country.
When people look at customer service, claims handling, or coverage choices with Nationwide insurance, the ratings and reviews give new clients a complete picture of what they can expect.
Nationwide's strong financial backing ensures policyholders can trust their claims will be paid.Michelle Robbins Licensed Insurance Agent
Beyond the numbers and scores, Nationwide testimonials give real stories from people about their experiences with the company. These personal tales often show what it’s like to pick Nationwide for insurance.
Nationwide insurance ranks among the top 10 auto insurers in the industry. Both Nationwide home and auto insurance reviews are happy with their service experience.
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Nationwide’s Business Ratings and Customer Insights
Nationwide has good ratings, vital customer happiness, dependable service, and stable finances. From J.D. Power to A.M. Best, these scores show that experts and customers trust Nationwide.
Nationwide Insurance Business Ratings & Consumer Reviews
| Agency | |
|---|---|
 | Score: 729 / 1,000 Avg. Satisfaction |
 | Score: A+ Excellent Business Practices |
 | Score: 75/100 Positive Customer Feedback |
 | Score: 0.90 Fewer Complaints Than Avg. |
 | Score: A+ Superior Financial Strength |
Nationwide, with high scores from satisfied customers and robust financial health, it is seen as a dependable option. The steady ratings show that this company cares about providing good service and backing for its auto insurance policyholders.
Nationwide Auto Insurance: Pros and Cons Breakdown
Nationwide has excellent financial conditions and many options, making it popular for reliable insurance. It is also beautiful for safe drivers because it has savings plans.
- Financial Stability: Nationwide’s A+ rating highlights its strong financial position, ensuring support for policyholders.
- SmartRide Discounts: Drivers who drive carefully can save up to 25% with Nationwide’s SmartRide program, which rewards good driving habits.
- Personalized Insurance: Nationwide offers many extra choices, like accident forgiveness and roadside help, which allows drivers to adjust policies for their own needs.
With its big money support and many ways to customize, Nationwide Mutual is a good choice for people looking for safety and options.
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— AutoInsurance.org (@AutoInsurance) October 7, 2024
Higher costs and slower claim handling can be negative points with Nationwide. Some customers think the claim process should be faster, especially when filing a comprehensive auto insurance claim.
- Claims Delays: Many policyholders say the claims process can drag on, which gets frustrating.
- Higher Premiums: Rates can be higher, especially for younger drivers.
Nationwide has much to offer, but its costs and occasional delays might be a dealbreaker for budget-conscious drivers.
On Reddit, u/bucksncowboys513 chimed in about Nationwide, pointing out that as a Fortune 100 company with an A+ AM Best rating, Nationwide is solid when paying claims. They mentioned that Nationwide’s brand recognition is right up there with other big names in the industry.
While they didn’t share personal experiences with claims and service, they suggested that Nationwide’s reputation and financial strength should be more than enough to feel confident if the price and coverage look good to you.
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Nationwide’s Benefits and Trade-Offs
Nationwide Insurance Company gives many coverage options, with extra options to add if needed. They also have strong financial support, making them a good choice for many drivers. If you drive safely, you can get discounts from their SmartRide program. But younger drivers may find prices a little high.
While the claims process can be slower, and some updates still require a phone call, Nationwide also allows policyholders to cancel an auto insurance claim. For drivers who want reliable coverage with room to save, Nationwide has plenty to offer. Use our free quote comparison tool to find cheap auto insurance.
Frequently Asked Questions
What do autoinsurance.org reviews say about Nationwide?
Autoinsurance.org reviews highlight Nationwide’s financial stability, customizable policies, and discounts, but some note higher rates and slow claims processing.
How does the Nationwide car insurance review rate the company?
The Nationwide car insurance review praises its SmartRide program and coverage options while noting occasional delays in claims handling.
Which is better, Nationwide vs. Root car insurance?
Nationwide offers broader coverage and more robust financial stability, while Root may appeal more to tech-savvy drivers looking for usage-based auto insurance.
What is included in a Nationwide review?
A Nationwide review typically discusses its financial ratings, policy options, and SmartRide program, highlighting strengths and areas for improvement.
How can I get a Nationwide auto insurance quote?
A Nationwide auto insurance quote can be obtained online, using their mobile app, or by getting in touch with a local agent.
Is Nationwide insurance good for reliable coverage?
Yes, Nationwide is good for reliable coverage. It offers strong financial ratings, comprehensive auto insurance policies, and rewarding programs like SmartRide.
What is mynationwide.autopolicyupdate.com?
Mynationwide.autopolicyupdate.com is an online portal where policyholders can manage and update their Nationwide auto policies.
Is autoinsurance.org legit for reviews?
Autoinsurance.org is a legitimate site for unbiased reviews and information about various auto insurance providers, including Nationwide.
How does Root vs. Nationwide compare for drivers?
Root vs. Nationwide comparisons, highlighted in the Root auto insurance review, show Root’s appeal for app-based pricing, while Nationwide offers more traditional policies with broader options.
What does a Nationwide life insurance review emphasize?
A Nationwide life insurance review often highlights its customizable policies and strong financial backing but may point out limited policy types.
How does Nationwide.autopolicyupdate.com work?
What are the benefits of Nationwide car insurance?
How do Nationwide auto insurance quotes compare to others?
What do Nationwide ratings and reviews reveal?
How do I use Nationwide auto policy update?
What is Nationwide’s insurance rating?
What is the monthly cost of Nationwide car insurance?
What do Nationwide claims reviews reveal about the claims process?
What does the Nationwide renter’s insurance review highlight?
Which is more affordable, Nationwide or Erie?
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