Nationwide Auto Insurance Review (2021)
Nationwide auto insurance is available across the country with a full range of coverage options. Many Nationwide auto insurance discounts are available including good student and safe driver discounts, as well as bundling discounts with Nationwide home insurance. Nationwide auto insurance rates average $411.33/mo.
- Nationwide Insurance offers many different auto insurance policies.
- A.M. Best and the Better Business Bureau have both given Nationwide high ratings.
- Nationwide offers a variety of auto insurance discounts.
Learn everything you need to know about Nationwide with our Nationwide auto insurance review. We’ll look at Nationwide’s standard policies as well as their full coverage auto insurance options.
Insurance can be a tough topic to research. Just plugging “car insurance near me” into Google will give you hundreds of pages to sort through. That can make just about every shopper panic.
You might know everything about coverages and the type of insurance you want, but then you have to figure out where you’re going to get it. There are so many options in today’s market when you’re shopping for insurance.
There are captive agencies, independent agencies, and you can even get a quote without talking to a licensed agent. The possibilities are endless when you’re looking for reasonable car insurance.
With all the options out there, choosing the right auto insurance company for you and your needs may be challenging. We’re going to make this process a little easier for you by covering the ins and outs of Nationwide auto insurance so you can see if it may be a good fit for you.
In addition to affordable Nationwide auto insurance, there are lots of companies out there and we can help you with those too. Anytime you’re ready, plug in your ZIP code here to get free quotes from multiple insurance companies.
Table of Contents
What Are Nationwide’s Auto Insurance Rates?
How much is this policy going to cost me? That’s the lingering question most consumers have when filling out a form to get an insurance quote.
Each company may be slightly different in how it weighs your information assessing risk. So how does an insurance company assess risk?
We’re going to break it down for you. First, let’s take a look at gender, age, and marital status.
| Provider | Single 17-year-old Female Average Annual Rates | Single 17-year-old Male Average Annual Rates | Single 25-year-old Female Average Annual Rates | Single 25-year-old Male Average Annual Rates | Married 35-year-old Female Average Annual Rates | Married 35-year-old Male Average Annual Rates | Married 60-year-old Female Average Annual Rates | Married 60-year-old Male Average Annual Rates |
|---|---|---|---|---|---|---|---|---|
| Nationwide | $5,756.37 | $7,175.31 | $2,686.48 | $2,889.04 | $2,360.49 | $2,387.43 | $2,130.26 | $2,214.62 |
| Allstate | $9,282.19 | $10,642.53 | $3,424.87 | $3,570.93 | $3,156.09 | $3,123.01 | $2,913.37 | $2,990.64 |
| American Family | $5,996.50 | $8,130.50 | $2,288.65 | $2,694.72 | $2,202.70 | $2,224.31 | $1,992.92 | $2,014.38 |
| Farmers | $8,521.97 | $9,144.04 | $2,946.80 | $3,041.44 | $2,556.98 | $2,557.75 | $2,336.80 | $2,448.39 |
| Geico | $5,653.55 | $6,278.96 | $2,378.89 | $2,262.87 | $2,302.89 | $2,312.38 | $2,247.06 | $2,283.45 |
| Liberty Mutual | $11,621.01 | $13,718.69 | $3,959.67 | $4,503.13 | $3,802.77 | $3,856.84 | $3,445.00 | $3,680.53 |
| Progressive | $8,689.95 | $9,625.49 | $2,697.73 | $2,758.66 | $2,296.90 | $2,175.27 | $1,991.49 | $2,048.63 |
| State Farm | $5,953.88 | $7,324.34 | $2,335.96 | $2,554.56 | $2,081.72 | $2,081.72 | $1,873.89 | $1,873.89 |
| Travelers | $9,307.32 | $12,850.91 | $2,325.25 | $2,491.21 | $2,178.66 | $2,199.51 | $2,051.98 | $2,074.41 |
| USAA | $4,807.54 | $5,385.61 | $1,988.52 | $2,126.14 | $1,551.43 | $1,540.32 | $1,449.85 | $1,448.98 |
There are several factors that affect auto insurance rates. As you might have suspected, young drivers are considered to be a higher risk due to their lack of experience, so they are rated at a much higher premium.
How Do Nationwide Auto Insurance Rates Compare to Other Companies?
Nationwide Insurance rates compared to other top companies can be seen in the chart below.
| State | Nationwide Average Annual Rates | Allstate Average Annual Rates | American Family Average Annual Rates | Farmers Average Annual Rates | Geico Average Annual Rates | Liberty Mutual Average Annual Rates | Progressive Average Annual Rates | State Farm Average Annual Rates | Travelers Average Annual Rates | USAA Average Annual Rates |
|---|---|---|---|---|---|---|---|---|---|---|
| Alabama | $2,662.66 | $3,311.52 | n/a | $4,185.80 | $2,866.60 | $5,295.55 | $4,450.52 | $4,798.15 | $3,697.80 | $2,124.09 |
| Arkansas | $3,861.79 | $5,150.03 | n/a | $4,257.87 | $3,484.63 | $4,005.48 | $5,312.09 | $2,789.03 | $5,973.33 | $2,171.06 |
| Arizona | $3,496.08 | $4,904.10 | $4,153.07 | $5,000.08 | $2,264.71 | n/a | $3,577.50 | $4,756.25 | $3,084.74 | $3,084.29 |
| California | $4,653.19 | $4,532.96 | n/a | $4,998.78 | $2,885.65 | $3,034.42 | $2,849.67 | $4,202.28 | $3,349.54 | $2,693.87 |
| Colorado | $3,739.47 | $5,537.17 | $3,733.02 | $5,290.24 | $3,091.69 | $2,797.74 | $4,231.92 | $3,270.77 | n/a | $3,338.87 |
| Connecticut | $3,672.34 | $5,831.60 | n/a | n/a | $3,073.66 | $7,282.87 | $4,920.35 | $2,976.24 | $6,004.29 | $3,190.00 |
| D.C. | $4,848.98 | $6,468.92 | n/a | n/a | $3,692.81 | n/a | $4,970.26 | $4,074.05 | n/a | $2,580.44 |
| Delaware | $4,330.21 | $6,316.06 | n/a | n/a | $3,727.29 | $18,360.02 | $4,181.83 | $4,466.85 | $4,182.36 | $2,325.98 |
| Florida | $4,339.60 | $7,440.46 | n/a | n/a | $3,783.63 | $5,368.15 | $5,583.30 | $3,397.67 | n/a | $2,850.41 |
| Georgia | $6,484.90 | $4,210.70 | n/a | n/a | $2,977.20 | $10,053.44 | $4,499.22 | $3,384.88 | n/a | $3,157.46 |
| Iowa | $2,551.83 | $2,965.86 | $3,021.81 | $2,435.72 | $2,296.16 | $4,415.28 | $2,395.50 | $2,224.51 | $5,429.38 | $1,852.57 |
| Idaho | $2,735.44 | $4,088.76 | $3,728.79 | $3,168.28 | $2,770.68 | $2,301.51 | n/a | $1,867.96 | $3,226.29 | $1,877.61 |
| Illinois | $3,032.19 | $5,204.41 | $3,815.31 | $4,605.20 | $2,779.16 | $2,277.65 | $3,536.65 | $2,344.88 | $2,499.76 | $2,770.21 |
| Indiana | $2,711.81 | $3,978.81 | $3,679.68 | $3,437.55 | $2,261.07 | $5,781.35 | $3,898.00 | $2,408.94 | $3,393.75 | $1,630.86 |
| Kansas | $2,475.59 | $4,010.23 | $2,146.40 | $3,703.77 | $3,220.65 | $4,784.42 | $4,144.38 | $2,720.00 | $4,341.43 | $2,382.61 |
| Kentucky | $5,503.23 | $7,143.92 | n/a | n/a | $4,633.59 | $5,930.97 | $5,547.63 | $3,354.32 | $6,551.68 | $2,897.89 |
| Maryland | $2,915.69 | $5,233.17 | n/a | n/a | $3,832.63 | $9,297.55 | $4,094.86 | $3,960.87 | n/a | $2,744.14 |
| Michigan | $6,327.38 | $22,902.59 | n/a | $8,503.60 | $6,430.11 | $20,000.04 | $5,364.55 | $12,565.52 | $8,773.97 | $3,620.00 |
| Minnesota | $2,926.49 | $4,532.01 | $3,521.29 | $3,137.45 | $3,498.54 | $13,563.61 | n/a | $2,066.99 | n/a | $2,861.60 |
| Missouri | $2,265.35 | $4,096.15 | $3,286.90 | $4,312.19 | $2,885.33 | $4,518.67 | $3,419.14 | $2,692.91 | n/a | $2,525.78 |
| Mississippi | $2,756.53 | $4,942.11 | n/a | n/a | $4,087.21 | $4,455.94 | $4,308.85 | $2,980.48 | $3,729.32 | $2,056.13 |
| Montana | $3,478.26 | $4,672.10 | n/a | $3,907.55 | $3,602.35 | $1,326.11 | $4,330.76 | $2,417.74 | n/a | $2,031.89 |
| North Carolina | $2,848.03 | $7,190.43 | n/a | n/a | $2,936.69 | $2,182.71 | $2,382.61 | $3,078.65 | $3,132.66 | n/a |
| North Dakota | $2,560.35 | $4,669.31 | $3,812.40 | $3,092.49 | $2,668.24 | $12,852.83 | $3,623.06 | $2,560.53 | n/a | $2,006.80 |
| Nebraska | $2,603.94 | $3,198.83 | $2,215.13 | $3,997.29 | $3,837.49 | $6,241.52 | $3,758.01 | $2,438.71 | n/a | $2,330.78 |
| New Hampshire | $2,491.10 | $2,725.01 | n/a | n/a | $1,615.02 | $8,444.41 | $2,694.45 | $2,185.46 | n/a | $1,906.96 |
| New Mexico | $3,514.38 | $4,200.65 | n/a | $4,315.53 | $4,458.30 | n/a | $3,119.18 | $2,340.66 | n/a | $2,296.77 |
| Nevada | $3,477.14 | $5,371.62 | $5,441.18 | $5,595.56 | $3,662.09 | $6,201.55 | $4,062.57 | $5,796.34 | $5,360.41 | $3,069.07 |
| New York | $4,012.93 | $4,740.97 | n/a | n/a | $2,428.24 | $6,540.73 | $3,771.15 | $4,484.58 | $4,578.79 | $3,761.69 |
| Ohio | $3,300.89 | $3,197.22 | $1,515.17 | $3,423.01 | $1,867.19 | $4,429.74 | $3,436.96 | $2,507.88 | $3,135.16 | $1,478.46 |
| Oregon | $3,176.83 | $4,765.95 | $3,527.28 | $3,753.52 | $3,220.12 | $4,334.55 | $3,629.13 | $2,731.48 | $2,892.19 | $2,587.15 |
| Pennsylvania | $2,800.37 | $3,984.12 | n/a | n/a | $2,605.22 | $6,055.20 | $4,451.00 | $2,744.23 | $7,842.47 | $1,793.37 |
| Rhode Island | $4,409.63 | $4,959.45 | n/a | n/a | $5,602.63 | $6,184.12 | $5,231.09 | $2,406.51 | $6,909.45 | $4,323.98 |
| South Carolina | $3,625.49 | $3,903.43 | n/a | $4,691.85 | $3,178.01 | n/a | $4,573.08 | $3,071.34 | n/a | $3,424.77 |
| South Dakota | $2,737.66 | $4,723.72 | $4,047.47 | $3,768.80 | $2,940.29 | $7,515.99 | $3,752.81 | $2,306.23 | n/a | n/a |
| Tennessee | $3,424.96 | $4,828.85 | n/a | $3,430.07 | $3,283.42 | $6,206.69 | $3,656.91 | $2,639.30 | $2,738.52 | $2,739.28 |
| Texas | $3,867.55 | $5,485.44 | $4,848.72 | n/a | $3,263.28 | n/a | $4,664.69 | $2,879.94 | n/a | $2,487.89 |
| Utah | $2,986.57 | $3,566.42 | $3,698.77 | $3,907.99 | $2,965.57 | $4,327.76 | $3,830.10 | $4,645.83 | n/a | $2,491.10 |
| Virgina | $2,073.00 | $3,386.80 | n/a | n/a | $2,061.53 | n/a | $2,498.58 | $2,268.95 | n/a | $1,858.38 |
| Vermont | $2,128.21 | $3,190.38 | n/a | n/a | $2,195.71 | $3,621.08 | $5,217.14 | $4,382.84 | n/a | $1,903.55 |
| Washington | $2,129.84 | $3,540.52 | $3,713.02 | $2,962.00 | $2,568.65 | $3,994.73 | $3,209.52 | $2,499.78 | n/a | $2,262.16 |
| Wisconsin | $5,224.99 | $3,820.68 | $1,513.27 | $3,777.49 | $2,120.80 | $2,924.39 | $3,128.91 | $2,126.32 | n/a | $1,984.62 |
| West Virginia | $3,187.20 | $4,854.41 | n/a | n/a | $3,926.20 | $6,758.85 | $4,401.17 | $2,387.53 | n/a | $2,975.74 |
As you can see, Nationwide offers rates on the lower end compared to some companies.
How Do Nationwide Rates Compare to State Averages?
Let’s take a look at how Nationwide compares to the average cost for car insurance in each state.
| State | Nationwide's Average Annual Rates | Amount +/- State Average Annual Rates | Percent +/- State Average Annual Rates |
|---|---|---|---|
| Alabama | $2,662.66 | -$904.30 | -33.96% |
| Arkansas | $3,861.79 | -$263.19 | -6.82% |
| Arizona | $3,496.08 | -$274.89 | -7.86% |
| California | $4,653.19 | +$964.26 | +20.72% |
| Colorado | $3,739.47 | -$136.92 | -3.66% |
| Connecticut | $3,672.34 | -$946.58 | -25.78% |
| District of Columbia | $4,848.98 | +$409.74 | +8.45% |
| Delaware | $4,330.21 | -$1,656.11 | -38.25% |
| Florida | $4,339.60 | -$340.86 | -7.85% |
| Georgia | $6,484.90 | +$1,518.07 | +23.41% |
| Hawaii | $2,551.83 | -$3.81 | -0.15% |
| Iowa | $2,735.44 | -$245.84 | -8.99% |
| Idaho | $3,032.19 | +$53.10 | +1.75% |
| Illinois | $2,711.81 | -$593.67 | -21.89% |
| Kansas | $2,475.59 | -$804.03 | -32.48% |
| Kentucky | $5,503.23 | +$307.83 | +5.59% |
| Maryland | $2,915.69 | -$1,667.01 | -57.17% |
| Michigan | $6,327.38 | -$4,171.26 | -65.92% |
| Minnesota | $2,926.49 | -$1,476.76 | -50.46% |
| Missouri | $2,265.35 | -$1,063.58 | -46.95% |
| Mississippi | $2,756.53 | -$908.04 | -32.94% |
| Montana | $3,478.26 | +$257.42 | +7.40% |
| North Carolina | $2,848.03 | -$545.08 | -19.14% |
| North Dakota | $2,560.35 | -$1,605.49 | -62.71% |
| Nebraska | $2,603.94 | -$679.74 | -26.10% |
| New Hampshire | $2,491.10 | -$660.67 | -26.52% |
| New Mexico | $3,514.38 | +$50.74 | +1.44% |
| Nevada | $3,477.14 | -$1,384.56 | -39.82% |
| New York | $4,012.93 | -$276.95 | -6.90% |
| Ohio | $3,300.89 | +$591.18 | +17.91% |
| Oregon | $3,176.83 | -$290.94 | -9.16% |
| Pennsylvania | $2,800.37 | -$1,234.13 | -44.07% |
| Rhode Island | $4,409.63 | -$593.73 | -13.46% |
| South Carolina | $3,625.49 | -$155.65 | -4.29% |
| South Dakota | $2,737.66 | -$1,244.61 | -45.46% |
| Tennessee | $3,424.96 | -$235.93 | -6.89% |
| Texas | $3,867.55 | -$175.73 | -4.54% |
| Utah | $2,986.57 | -$625.32 | -20.94% |
| Virginia | $2,073.00 | -$284.87 | -13.74% |
| Vermont | $2,128.21 | -$1,105.92 | -51.96% |
| Washington | $2,129.84 | -$929.48 | -43.64% |
| Wisconsin | $5,224.99 | +$1,618.93 | +30.98% |
| Wyoming | $3,187.20 | -$12.88 | -0.40% |
| Overall Average | $3,187.20 | -$473.69 | -14.86% |
Georgia offers some of the most expensive Nationwide rates.
How Does Coverage Level Affect Your Rates?
As you would expect, the more coverage you have, the more you pay. Well, take a look at the chart below. In some states, you’ll notice a higher coverage for a lower premium.
| State | Low Coverage Annual Auto Insurance Rates | Medium Coverage Annual Auto Insurance Rates | High Coverage Annual Auto Insurance Rates |
|---|---|---|---|
| Alabama | $2,649.45 | $2,639.04 | $2,699.48 |
| Arkansas | $3,886.60 | $3,783.13 | $3,915.62 |
| Arizona | $3,349.89 | $3,531.96 | $3,606.40 |
| California | $4,179.19 | $4,734.14 | $5,046.23 |
| Colorado | $3,748.13 | $3,740.53 | $3,729.76 |
| Connecticut | $3,727.81 | $3,699.88 | $3,589.35 |
| D.C. | $4,722.70 | $4,918.92 | $4,905.33 |
| Delaware | $4,306.38 | $4,257.06 | $4,427.19 |
| Florida | $3,427.69 | $4,511.14 | $5,079.97 |
| Georgia | $6,334.12 | $6,602.52 | $6,518.06 |
| Iowa | $2,660.75 | $2,539.49 | $2,455.24 |
| Idaho | $2,696.85 | $2,874.15 | $2,635.33 |
| Illinois | $3,011.79 | $3,057.27 | $3,027.50 |
| Indiana | $2,754.11 | $2,690.19 | $2,691.12 |
| Kansas | $2,606.75 | $2,448.27 | $2,371.75 |
| Kentucky | $5,529.57 | $5,426.01 | $5,554.10 |
| Maryland | $2,792.62 | $2,924.01 | $3,030.44 |
| Michigan | $6,622.17 | $6,220.36 | $6,139.61 |
| Minnesota | $2,767.43 | $2,947.12 | $3,064.92 |
| Missouri | $2,128.01 | $2,286.38 | $2,381.67 |
| Mississippi | $2,606.60 | $2,747.81 | $2,915.17 |
| Montana | $2,678.46 | $3,706.80 | $4,049.52 |
| North Carolina | $2,731.17 | $2,834.35 | $2,978.58 |
| North Dakota | $2,497.64 | $2,547.13 | $2,636.28 |
| Nebraska | $2,645.29 | $2,593.77 | $2,572.75 |
| New Hampshire | $2,656.98 | $2,456.54 | $2,359.79 |
| New Mexico | $3,462.67 | $3,480.21 | $3,600.26 |
| Nevada | $3,398.71 | $3,474.81 | $3,557.91 |
| New York | $3,752.51 | $3,975.76 | $4,310.54 |
| Ohio | $3,647.54 | $3,199.58 | $3,055.56 |
| Oregon | $3,026.95 | $3,262.21 | $3,241.34 |
| Pennsylvania | $2,813.46 | $2,835.74 | $2,751.91 |
| Rhode Island | $4,545.71 | $4,438.92 | $4,244.26 |
| South Carolina | $3,578.60 | $3,627.10 | $3,670.77 |
| South Dakota | $2,584.10 | $2,726.21 | $2,902.68 |
| Tennessee | $3,450.27 | $3,350.97 | $3,473.64 |
| Texas | $4,165.16 | $3,700.98 | $3,736.50 |
| Utah | $3,272.27 | $2,837.83 | $2,849.61 |
| Virginia | $2,173.16 | $2,052.90 | $1,992.93 |
| Vermont | $2,177.89 | $2,134.90 | $2,071.84 |
| Washington | $2,015.38 | $2,129.08 | $2,245.06 |
| Wisconsin | $5,067.78 | $5,223.68 | $5,383.51 |
| West Virginia | $3,127.24 | $3,172.70 | $3,261.64 |
Coverage level rates can vary significantly depending on where you live.
How Does Credit History Affect Your Rates With Nationwide?
Your credit impacts your auto insurance rates; if you have poor credit, you’re going to pay more than someone with good credit.
| State | Good Credit Average Annual Auto Insurance Rates | Fair Credit Average Annual Auto Insurance Rates | Poor Credit Average Annual Auto Insurance Rates |
|---|---|---|---|
| Alabama | $2,267.76 | $2,507.05 | $3,213.16 |
| Arkansas | $3,346.08 | $3,673.03 | $4,566.24 |
| Arizona | $2,932.49 | $3,348.66 | $4,207.10 |
| Colorado | $3,118.09 | $3,578.13 | $4,522.20 |
| Connecticut | $2,889.69 | $3,264.41 | $4,862.94 |
| D.C. | $3,959.80 | $4,319.64 | $6,267.51 |
| Delaware | $3,797.09 | $4,170.85 | $5,022.70 |
| Florida | $3,596.12 | $3,981.62 | $5,441.06 |
| Georgia | $5,476.79 | $6,258.58 | $7,719.34 |
| Iowa | $2,127.48 | $2,427.36 | $3,100.64 |
| Idaho | $2,306.63 | $2,632.86 | $3,266.83 |
| Illinois | $2,555.21 | $2,920.23 | $3,621.12 |
| Indiana | $2,439.15 | $2,608.29 | $3,087.99 |
| Kansas | $2,257.00 | $2,420.86 | $2,748.91 |
| Kentucky | $4,541.89 | $5,248.71 | $6,719.07 |
| Maryland | $2,384.07 | $2,636.53 | $3,726.47 |
| Michigan | $5,072.26 | $5,969.65 | $7,940.23 |
| Minnesota | $2,490.14 | $2,807.41 | $3,481.91 |
| Missouri | $1,917.26 | $2,206.14 | $2,672.67 |
| Mississippi | $2,401.09 | $2,633.44 | $3,235.05 |
| Montana | $2,866.07 | $3,172.44 | $4,396.26 |
| North Carolina | $2,848.03 | $2,848.03 | $2,848.03 |
| North Dakota | $2,133.80 | $2,427.42 | $3,119.84 |
| Nebraska | $2,190.38 | $2,491.41 | $3,130.02 |
| New Hampshire | $2,194.74 | $2,378.25 | $2,900.32 |
| New Mexico | $2,900.07 | $3,342.00 | $4,301.07 |
| Nevada | $2,936.93 | $3,387.42 | $4,107.08 |
| New York | $4,012.93 | $4,012.93 | $4,012.93 |
| Ohio | $2,709.43 | $3,209.33 | $3,983.93 |
| Oregon | $2,641.98 | $3,047.18 | $3,841.34 |
| Pennsylvania | $2,411.94 | $2,701.68 | $3,287.49 |
| Rhode Island | $3,900.31 | $4,212.78 | $5,115.80 |
| South Carolina | $3,070.99 | $3,496.39 | $4,309.08 |
| South Dakota | $2,290.23 | $2,606.85 | $3,315.91 |
| Tennessee | $2,894.15 | $3,265.47 | $4,115.26 |
| Texas | $3,235.18 | $3,722.85 | $4,644.61 |
| Utah | $2,467.37 | $2,796.09 | $3,696.25 |
| Virginia | $1,791.13 | $1,972.47 | $2,455.39 |
| Vermont | $1,890.83 | $2,038.33 | $2,455.46 |
| Washington | $1,862.79 | $1,993.82 | $2,532.91 |
| Wisconsin | $4,900.57 | $4,900.57 | $5,873.82 |
| West Virginia | $2,863.59 | $3,065.61 | $3,632.38 |
As you can see from the chart above, a lower credit score can sometimes cost you over $1,000 more on your insurance premium compared to someone with a good credit score.
How Does Your Driving Record Impact Your Rates?
One of the more obvious factors in determining your insurance premium is your driving record. If your record reflects poor driving habits, your insurance company is going to charge you more.
The table below gives you an idea of how much that speeding ticket is going to cost you.
| State | Clean Record Average Annual Auto Insurance Rates | One Accident Average Annual Auto Insurance Rates | One DUI Average Annual Auto Insurance Rates | One Speeding Ticket Average Annual Auto Insurance Rates |
|---|---|---|---|---|
| Alabama | $2,329.20 | $2,329.20 | $3,391.78 | $2,600.45 |
| Arkansas | $3,003.05 | $3,881.91 | $5,255.42 | $3,306.76 |
| Arizona | $2,958.14 | $3,110.44 | $4,606.16 | $3,309.59 |
| California | $3,246.36 | $4,161.96 | $7,042.46 | $4,161.96 |
| Colorado | $2,872.85 | $3,930.20 | $4,991.57 | $3,163.26 |
| Connecticut | $2,991.13 | $3,900.02 | $4,466.56 | $3,331.67 |
| D.C. | $3,904.62 | $4,982.97 | $6,235.08 | $4,273.26 |
| Delaware | $3,454.89 | $3,454.89 | $6,329.52 | $4,081.55 |
| Florida | $3,705.32 | $4,065.71 | $5,472.37 | $4,114.99 |
| Georgia | $4,993.04 | $5,859.64 | $9,033.42 | $6,053.51 |
| Iowa | $1,845.39 | $2,653.58 | $3,619.68 | $2,088.66 |
| Idaho | $2,088.90 | $2,712.70 | $3,792.39 | $2,347.77 |
| Illinois | $2,442.47 | $3,162.33 | $3,718.20 | $2,805.74 |
| Indiana | $2,331.76 | $3,006.36 | $2,882.65 | $2,626.47 |
| Kansas | $1,857.04 | $2,137.16 | $3,781.21 | $2,126.95 |
| Kentucky | $4,358.33 | $5,662.92 | $7,183.66 | $4,807.99 |
| Maryland | $2,565.95 | $3,443.50 | $2,744.78 | $2,908.52 |
| Michigan | $5,410.49 | $7,226.65 | $6,574.72 | $6,097.67 |
| Minnesota | $2,322.49 | $3,083.13 | $3,547.09 | $2,753.24 |
| Missouri | $1,781.84 | $2,284.19 | $3,045.90 | $1,949.48 |
| Mississippi | $2,202.86 | $2,809.65 | $3,575.07 | $2,438.54 |
| Montana | $2,525.70 | $3,638.09 | $4,698.24 | $3,051.00 |
| North Carolina | $1,672.55 | $2,164.71 | $5,390.16 | $2,164.71 |
| North Dakota | $1,886.34 | $2,606.56 | $3,601.56 | $2,146.95 |
| Nebraska | $1,847.11 | $2,668.54 | $3,806.28 | $2,093.81 |
| New Hampshire | $1,916.58 | $2,661.21 | $3,254.55 | $2,132.07 |
| New Mexico | $2,626.05 | $3,689.19 | $4,766.32 | $2,975.96 |
| Nevada | $2,790.29 | $3,588.41 | $4,479.42 | $3,050.46 |
| New York | $3,042.44 | $3,042.44 | $6,853.01 | $3,113.84 |
| Ohio | $2,644.52 | $3,364.88 | $4,269.79 | $2,924.39 |
| Oregon | $2,693.52 | $2,884.58 | $4,082.42 | $3,046.82 |
| Pennsylvania | $2,021.90 | $2,703.02 | $3,769.26 | $2,707.29 |
| Rhode Island | $4,076.88 | $4,480.98 | $4,855.18 | $4,225.48 |
| South Carolina | $2,891.90 | $3,727.79 | $4,701.43 | $3,180.85 |
| South Dakota | $1,977.17 | $2,745.57 | $3,932.66 | $2,295.26 |
| Tennessee | $2,961.85 | $2,961.85 | $4,454.00 | $3,322.14 |
| Texas | $3,351.97 | $3,351.97 | $4,977.17 | $3,789.09 |
| Utah | $2,369.61 | $3,191.57 | $3,740.78 | $2,644.32 |
| Virginia | $1,802.51 | $1,802.51 | $2,641.52 | $2,045.44 |
| Vermont | $1,704.30 | $2,187.15 | $2,749.35 | $1,872.03 |
| Washington | $1,657.44 | $2,240.59 | $2,810.03 | $1,811.31 |
| Wisconsin | $4,417.75 | $5,109.89 | $6,262.41 | $5,109.89 |
| West Virginia | $2,541.30 | $3,398.15 | $3,972.43 | $2,836.90 |
A DUI is considered one of the most egregious offenses and you will pay a lot more if you have one on your driving record.
What Coverages Does Nationwide Offer?
Nationwide has a wide range of coverages that it offers to consumers, though these do vary to some extent by state.
Below is a list of common coverages that Nationwide offers.
- Bodily Injury Liability
- Property Damage Liability
- Personal Injury Protection
- Uninsured Motorist
- Underinsured Motorist
- Medical Payments
- Collision
- Comprehensive
- Towing and Labor
- Rental Car Expense
- Gap Coverage
- Full Coverage
- Accident Forgiveness
- Roadside Assistance
- Vanishing Deductible
- Total Loss Deductible Waiver
- Classic Car Coverage
For more information on the types of coverage offered, contact your local Nationwide office.
What Are Nationwide’s Discounts?
Nationwide offers a multitude of different discounts available to consumers, including multi-policy and other discounts. Below is a list of all the different discounts that are provided by this carrier.
| Discounts | Availability x means Discount Is Available - means Discount Is NOT Available |
|---|---|
| Adaptive Cruise Control | x |
| Adaptive Headlights | x |
| Anti-lock Brakes | x |
| Anti-Theft | x |
| Claim Free | x |
| Continuous Coverage | - |
| Daytime Running Lights | x |
| Defensive Driver | x |
| Distant Student | x |
| Driver's Ed | - |
| Driving Device/App | x |
| Early Signing | x |
| Electronic Stability Control | x |
| Emergency Deployment | - |
| Engaged Couple | - |
| Family Legacy | - |
| Family Plan | x |
| Farm Vehicle | - |
| Fast 5 | - |
| Federal Employee | - |
| Forward Collision Warning | x |
| Full Payment | - |
| Further Education | x |
| Garaging/Storing | - |
| Good Credit | x |
| Good Student | x |
| Green Vehicle | - |
| Homeowner | x |
| Lane Departure Warning | x |
| Life Insurance | x |
| Low Mileage | x |
| Loyalty | x |
| Married | x |
| Membership/Group | x |
| Military | - |
| Military Garaging | - |
| Multiple Drivers | - |
| Multiple Policies | x |
| Multiple Vehicles | x |
| New Address | - |
| New Customer/New Plan | - |
| New Graduate | - |
| Newer Vehicle | x |
| Newly Licensed | - |
| Newlyweds | - |
| Non-Smoker/Non-Drinker | - |
| Occasional Operator | - |
| Occupation | x |
| On Time Payments | - |
| Online Shopper | - |
| Paperless Documents | x |
| Paperless/Auto Billing | x |
| Passive Restraint | x |
| Recent Retirees | - |
| Renter | - |
| Roadside Assistance | - |
| Safe Driver | x |
| Seat Belt Use | - |
| Senior Driver | - |
| Stable Residence | x |
| Students & Alumni | x |
| Switching Provider | - |
| Utility Vehicle | - |
| Vehicle Recovery | x |
| VIN Etching | x |
| Volunteer | - |
| Young Driver | - |
Get Your Rates Quote Now |
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Depending on your circumstances, these discounts could significantly lower your insurance premium. Nationwide also offers two discounts specifically related to green initiatives: paperless documentation and paperless billing.
Nationwide ranked 7th in our 12 best auto insurance providers for green living in part because it has a very specific target of reducing its carbon footprint by 26 percent by 2026. To date, it has already reduced its footprint by 21 percent.
Does Nationwide Have Bundling Options?
Another easy way to save with Nationwide is to bundle your insurance. This means you use Nationwide for all of your insurance needs. So, for example, if you own a home and a car you would use Nationwide for both lines of insurance. This way you would receive the Nationwide multi-policy discount.
What Other Nationwide Programs Are There?
Smartride is also a program used by Nationwide to help consumers receive discounts. This product is either an app-based program or a device inserted into your car. It tracks your driving habits and rewards you for driving safely with a discount on your premium. You can save up to 40 percent when using this feature.
Nationwide is also one of the best auto insurance providers for students, ranking 2nd in our latest study. Young drivers signed up with Nationwide have an average auto insurance rate of $383 per month, the second-lowest of all top 10 auto insurance providers. They may also qualify for up to three discounts that could reduce their rates by 32%.
Nationwide has so many discounts available, you’ll definitely be able to find a few to shave down that premium.
What Are Nationwide’s Financial Ratings?
If you’re shopping for insurance, you definitely want to check out a company’s financial ratings. It’s important to know that your insurer could afford to pay your claim if you need to file one.
You should also look at customer service ratings. You want to feel secure that someone will be there to help you if you have a problem. Read on for Nationwide reviews and ratings from some of the top rating agencies.
A.M. Best
A.M. Best gives Nationwide an A+ rating. This rating is the highest honor from A.M. Best. A.M. Best is one of the oldest and most recognized agencies used to determine financial ratings.
Read on for Nationwide Insurance reviews from the Better Business Bureau (BBB).
Better Business Bureau
Chances are most shoppers have heard of the Better Business Bureau. You often see their stickers proudly located at the entrance of businesses. But what does this mean exactly?
The BBB has strict accreditation standards. Nationwide has gone through this rigorous testing and holds the rating of an A+ with the BBB.
Moody’s
In 2017, Moody’s awarded Nationwide with a high rating of A1. Moody’s is a globally recognized rating agency with a strict rating process. This is another feather in the cap for Nationwide’s financial status.
S&P Rating
S&P is another well-known and respected rating agency. It’s been in business for over 150 years and operates in 28 countries.
S&P gave Nationwide an A+. We’re starting to see a trend in the ratings given to Nationwide!
NAIC Complaint Index
So, what is the NAIC and what do they do?
“The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization created and governed by the chief insurance regulators from the 50 states, the District of Columbia and five U.S. territories.”
Below are statistics from the NAIC showing the complaint ratio and some other helpful stats.
| Specifics | Stats |
|---|---|
| Policy Type | Auto Insurance |
| Complaint Year | 2018 |
| Premium Year | 2018 |
| Complaint Ratio | 0.32 |
| Complaint Index | 0.49 |
| U.S. Average Complaint Index | 1.51 |
| Total Complaints | 2 |
| U.S. Market Share | 0.48% |
| Total Premiums | $194,126,869 |
Based on the numbers, it’s clear that Nationwide gets a relatively insignificant number of complaints.
Nationwide auto insurance reviews can also be found on a lot of online services, such as the Nationwide Insurance reviews on Yelp.
J.D. Power
What makes J.D. Power a little different from the other rating agencies? J.D. Power’s ratings come from the opinions of consumers who have and still use the product or company being rated. In a 2016 press release, Nationwide received an 874 out of 1,000 on auto claims satisfaction.
Insurance is one of those necessary things you must have even if you never use it. Unfortunately, when you do need to use your insurance, it’s due to a loss in property or medical care after a car accident.
When you need to file that claim, you want good customer service. You’ll need someone to walk you through that claim and get you back on your feet or behind the wheel of your vehicle again.
With Nationwide receiving a high score for claims satisfaction, you can rest assured that if and when a loss occurs, Nationwide will be there to help.
Consumer Reports
Consumer Reports is another organization that values the opinions of the consumer. This organization is known for providing accurate information about products and services.
In 2017, Nationwide received an 88 out of a possible 100 in regards to their claim process. This score shows consumers are very satisfied with their Nationwide experience.
Can You Get a Nationwide Quote Online?
Let’s take a look at how to get Nationwide auto insurance quotes on the company website. After getting a quote, you can buy Nationwide auto insurance online.
Personal Information
Once you’re on the Nationwide website, you’ll be asked a series of questions, starting with some information about yourself. This will include where you live.
Vehicle Details
Next, you’ll move on to your vehicle details. You’ll need to enter your car’s year, make, and model. You will also need to fill in information about how much you drive and whether you own or lease your vehicle.
Prior Insurance
You’ll also need to input your prior insurance information. Nationwide wants to make sure you have continuous coverage with no lapse, so you’ll want your new insurance to pick up when your old insurance expires or is canceled.
Prior insurance information will also be taken using mostly drop-down menus.
Live Chat
If you need assistance at any time, Nationwide has a live chat feature. This is helpful for any questions you may have.
Local Agency
Getting a quote online with Nationwide is very easy, but you can also find a local agent and talk with them directly to obtain your quote.
Now imagine having to do that for multiple companies to compare rates. Hard right? It doesn’t have to be. Use our FREE quote tool above to easily compare rates from multiple companies.
Can You Cancel Your Nationwide Policy?
If you’re not happy with your Nationwide policy or you no longer need insurance, you have the option to cancel your policy.
Does Nationwide have a cancellation fee?
Nationwide does not charge a fee for canceling your insurance.
Is there a refund?
Depending on how much you’ve paid, you may receive a refund. If you’ve paid your premium in full and decide to cancel the policy mid-term, you will receive a refund of any unused premium.
How Do You Cancel With Nationwide?
Canceling your Nationwide policy can be done by phone, in person, or in writing. The best way is to contact your local Nationwide agency.
If you chose to call, you may call your local Nationwide agent or call the main office at 800-882-2822. You can also mail your request to:
One Nationwide Plaza
1 West Nationwide Boulevard
Columbus, OH 43215
You must send your name, address, and policy information along with a signed letter stating your cancellation intent and date.
When can I cancel?
You can cancel your Nationwide policy at any time.
What is Nationwide’s Loss Ratio?
Loss ratios can be a confusing part of insurance, but it’s an important factor to look at. If a company makes $300,000 in premiums and pays out $150,000 in claims, its loss ratio is 50 percent.
If a company has a loss ratio of 100 percent, it is spending all premiums on losses and is not financially stable. If a company has a lower loss ratio, it may not be very good at paying out claims.
When you file a claim, you don’t want to worry about your insurer not being financially secure or refusing to payout. For an example of how Nationwide’s loss ratio has changed over the years, check out the chart below.
| Year | All Private Passenger Loss Ratio | Liability Loss Ratio | Physical Damage Loss Ratio |
|---|---|---|---|
| 2012 | 64.2% | 66.3% | 61.0% |
| 2013 | 65.5% | 68.6% | 60.6% |
| 2014 | 64.7% | 65.0% | 64.2% |
| 2015 | 67.5% | 71.6% | 61.5% |
| 2016 | 75.7% | 82.7% | 65.7% |
| 2017 | 66.2% | 68.9% | 62.3% |
As you can see, there has been mostly minimal change in Nationwide’s loss ratio.
How Do You File A Claim With Nationwide?
Nationwide makes a normally stressful situation, like dealing with a claim, a breeze.
Notify Nationwide
You will first want to notify Nationwide that a loss has occurred. You can do this in a few different ways:
- Use your Nationwide auto insurance login to access your account and file online
- Call the Nationwide auto insurance phone number at 800-421-3535
- Contact your local agent
- You can also reach an agent at 866-633-5749
For the information you need, read on.
Information Needed
Nationwide require several pieces of information in order to make a claim:
- Name and address
- Personal information of witnesses or injured parties
- Loss information
- Nationwide policy number
Once your claim has been filed, a claims professional will be assigned to your case.
How is Nationwide’s Online Presence?
We saw earlier that Nationwide has a very strong television presence with its catchy commercials, but what about its website and app?
Nationwide excels here as well. The company has a mobile app for Apple users and Andriod users. This mobile app makes doing anything with your policy super easy, even filing a claim.
Here are just a few functions the app offers customers:
- Make a payment
- Manage payment methods
- Obtain ID cards
- File a claim
- Get claim information
- Ask for roadside assistance
The website is as easy to use as the mobile app. It’s very user-friendly with easy to read tabs and a search bar. You’re sure to find anything you need on the Nationwide website.
What is the Company History?
Nationwide has been helping customers insure their valuable assets for over 85 years. It started out in Ohio as a small auto insurer for local farmers and has now become one of the largest insurers for multiple lines of insurance.
How Has The Company Grown Over The Years?
One way to measure the success of a company is to measure its growth over a matter of years.
| Year | Direct Premium Written | Market Share | Rank |
|---|---|---|---|
| 2018 | $18,416,861 | 2.70% | 10 |
| 2017 | $19,218,907 | 2.98% | 10 |
| 2016 | $19,756,093 | 3.20% | 8 |
| 2015 | $19,577,849 | 3.29% | 7 |
Nationwide has slowly declined in the market share and premiums written, but it still holds strong in the top 10 companies.
Where is Nationwide Today?
Nationwide has made some changes recently. As of July 2020, all Nationwide insurance agents have become independent agents. What does this mean?
There are two types of agent. A captive agent only sells insurance for one company. An independent agent sells insurance from multiple companies, giving customers a wider range of options.
At renewal, if your insurance with a company goes up, then you can speak to your independent agent and s/he can quote you with another one of their companies. You don’t have to leave your agent or give your information to another agency and essentially start the quoting process over again.
Nationwide’s new business model opens doors for agency owners and customers and promotes growth for Nationwide as a company as well.
Who Are The Employees of Nationwide?
Do you like insurance so much you want to work for a major player in the industry? Well, if the answer is yes, Nationwide may be your place.
Nationwide is considered a large corporation, with 31,766 employees. You can usually tell how great a company is to work for by its turnover and how long employees have been around.
| Tenure | % of Employees |
|---|---|
| Under 2 years | 15% |
| 2-5 years | 26% |
| 6-10 years | 16% |
| 11-15 years | 16% |
| 16-20 years | 12% |
| Over 20 years | 15% |
Average Age
Over 75 percent of Nationwide employees are between the ages of 22 and 54.
Employee Experience
Out of employees asked, 88 percent said Nationwide is a great place to work. With numbers like that, no wonder the company’s customer service is so great.
What Awards Has Nationwide Received?
Below is a list of awards won by Nationwide Insurance.
- #21 in Best Workplaces in Financial Services & Insurance 2019
- #26 in Best Workplaces in Texas 2019
- #57 in 2019 Fortune 100 Best Companies to Work For®
- #53 in Fortune 100 Best Companies to Work For® 2018
- #15 in Best Workplaces in Financial Services & Insurance 2018
- #82 in Best Workplaces for Millennials 2018
- #16 in People’s 2018 Companies that Care list
- #61 in Best Workplaces for Women 2018
- #49 in Best Workplaces for Diversity 2018
- #39 in Best Workplaces for Millennials 2017
- #54 in Fortune 100 Best Companies to Work For® 2017
- #6 in Best Workplaces in Financial Services & Insurance 2017
- #23 in PEOPLE’s 2017 Companies that Care list
- #29 in Best Workplaces in Texas 2017
- #50 in Best Workplaces for Women 2017
- #19 in Best Workplaces for Diversity 2017
- #43 in Best Workplaces for Diversity 2016
- #71 in Fortune 100 Best Companies to Work For® 2016
As you can see just from 2016-2019, Nationwide has quite an extensive list of awards.
Does Nationwide Do Any Community Service?
Nationwide definitely does its fair share lending a hand in the community.
Workplace Giving
Employees give time and energy to many charities across the nation. American Red Cross, The United Way, and Feeding America are just a few of the charities Nationwide helps.
Nationwide Foundation
In addition to the time and energy provided by Nationwide employees, the company also donates significant dollars to help support the communities around them. As of 2000, Nationwide has given over $498 million in contributions to various charities and organizations.
In 2006, the foundation pledged the largest gift in its history, granting $50 million to Nationwide Children’s Hospital. Over the last six years, the foundation gifted the hospital with an additional $60 million in grants to establish and support the Nationwide Foundation Pediatric Innovation Fund.
That’s a significant amount of money. It shows that Nationwide cares about giving back.
Are There Nationwide Commercials?
Insurance companies tend to have some good commercials and Nationwide is no exception.
In 2014, Nationwide signed legendary quarterback Peyton Manning as a spokesman.
More recently, Nationwide has added country singer Brad Paisley to the spokesman mix. Here he is appearing alongside Manning.
https://www.youtube.com/watch?v=cjEqAKhCPvE
Nationwide is definitely bringing its A-game when it comes to commercials.
What Are The Pros and Cons of Nationwide Auto Insurance?
We hope we’ve covered everything you need to know about Nationwide, good and bad. Listed below is a sampling of the pros and cons consumers report about Nationwide.
| The Good | The Bad |
|---|---|
| "On Your Side" mentality to keep customers happy | High rates for bad driving records |
| Great claims support: 24/7 claims center | Lacking rideshare coverage |
| High customer satisfaction ratings | Online quote only available for 4 or less cars |
| Lower than average number of complaints | Claims resolutions usually are delayed |
| Wide range of policies available | Agent answers are said to often be inconsistent |
| Offers customized plans to meet wide array of users | Not known for having the lowest rates |
| Great usage-based program: SmartRide | Doesn't offer all the discounts out there |
| Perks: vanishing deductible, GAP coverage & accident forgiveness | Has higher rates than necessary in some categories |
| Helpful "On Your Side Review" | Has a lower A.M. Best rating than Travelers |
| Offers "AutoWatch" for users to keep an eye on their vehicle repairs | Has a lower J.D. Power rating than State Farm |
| Property damage comes with bodily injury: liability package not very flexible | Offers less discounts than Allstate |
| Financially strong company | Often has higher rates than Progressive |
| Great online presence and apps available | You have to pay extra for their accident forgiveness |
| Offers classic car insurance | All claims information needed can't be submitted through the app |
| Owned by policyholders: no investor demands | Roadside assistance is not included |
| Has a comprehensive learning center for its customers | Coverage is not available in 4 states |
| Many supplemental coverage options | SmartRide is not available in 32 states |
| The best provider for farmers and ranchers | Does not have a military discount |
These are things you should keep in mind when you’re deciding whether Nationwide is right for you.
What Is The Bottom Line?
Nationwide gets excellent customer service ratings, but it’s not the cheapest insurance around. It’s always a good idea to shop around and make sure you’re getting the best auto insurance rate possible.
If you’re interested in homeowners insurance, Nationwide home insurance reviews are fairly positive as well.
On our site, you can find reviews for many other companies, including Geico auto insurance reviews, Allstate insurance reviews, Progressive insurance reviews, and more.
Before you decide if Nationwide auto insurance is right for you, get some comparison quotes by entering your ZIP code here. Comparing quotes can help you find the best auto insurance at the best price.
Do You Have More Questions About Nationwide Auto Insurance?
#1 – How can I qualify for a Nationwide Good Student discount?
We all know that the younger you are, the more your insurance is going to cost. Parents: if your kids receive good grades in school, you can breathe a sigh of relief knowing Nationwide has a discount for you.
For actively enrolled students ages 16-24, just show proof of a B or higher grade average and you’ll receive a good student discount.
#2 – What is the Nationwide On Your Side Review?
The Nationwide On Your Side Review is a free service for all Nationwide members. This is a great service for anyone in need of insurance.
An insurance professional will assess your personal circumstances and make sure you understand what you have and what you need. You can use this service at any time; you can have your policy reviewed at renewal or at any major life change, such as a wedding or new home.
#3 – What is the Nationwide SmartRide Program?
As previously mentioned, the Nationwide SmartRide program involves using an app or an in-car device to track your driving habits. Nationwide rewards you with discounts for driving safely. You even get a 10 percent discount just for signing up.
#4 – How does Nationwide’s Vanishing Deductible work?
Nationwide’s Vanishing Deductible allows you to earn $100 off your deductible for every year you do not have an accident. Here is what the Nationwide website says about the vanishing deductible:
“Vanishing Deductible is an optional feature. You’ll earn $100 off your deductible for each year of safe driving, up to $500. Your deductible could vanish completely. Why not be rewarded for something you’re already doing?
Here’s an example: Let’s say you have a $500 deductible. After three years of safe driving with Vanishing Deductible, you’ll earn a $300 credit. If you have an accident, you would pay just $200 toward your deductible before your insurance starts to cover any damages.
And if you have an accident, you don’t have to worry about your deductible going all the way back up to $500. Your Vanishing Deductible reward would be reset to $100, still providing you savings. If you want car insurance with no deductible or car insurance with a low deductible, ask about Vanishing Deductible today.”
This is just another money-saving option Nationwide offers its customers.
#5 – Is Nationwide’s Accident Forgiveness worth the extra cost?
Accident Forgiveness is an added coverage to your policy. There is a fee to add this to your policy, but if you get into an accident, it could save you quite a bit in the long run.
It’s definitely worth talking to your Nationwide insurance agent about the cost of this added benefit and if it could be something that would work for you.
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