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Nationwide Car Insurance Review for 2022

Of the major auto insurance companies we rank, Nationwide lands midpack for rates and customer satisfaction. However, survey respondents indicate that Nationwide has great customer service.

Nationwide Pros & Cons

Pros:

  • Competitive rates for drivers with poor credit
  • Among the best for claims handling and customer service

Cons:

  • High rates for young drivers
  • Not likely to be recommended or renewed by current clients

Is Nationwide Car Insurance Good?

Our annual rates study and customer satisfaction survey show that Nationwide is a decent choice for a car insurance company for most motorists. Nationwide earns fourth place in our Best Car Insurance Rankings, ahead of Allstate, Travelers, Progressive, American Family and Farmers. Nationwide earns fifth place in our ranking of the Cheapest Car Insurance Companies, ahead of Progressive, American Family, Farmers and Allstate.

In most driver demographics we studied, Nationwide offers competitive rates that are often cheaper than the national average. In our survey of real Nationwide customers, most indicated satisfaction with Nationwide’s customer service, though our survey also found that the company lags behind most competitors with fewer consumers likely to renew their policies or recommend Nationwide to their friends and family.

Nationwide Customer Service

In our Best Insurer for Customer Service subranking, Nationwide earns third place behind State Farm. Customer service is a bright spot for Nationwide policyholders, as it’s one of the areas in which Nationwide earned the highest scores. Of the survey respondents who did not file a car insurance claim with Nationwide, 47% indicated complete satisfaction with the ease of contacting customer service. Of those respondents who filed a claim, 72% were completely satisfied with the customer service provided by Nationwide.

Nationwide Claims Handling

According to our survey, Nationwide is the second-best auto insurance company for claims handling. Of survey respondents who had not filed a claim with Nationwide, about 47% said they were completely satisfied with the experience. Of respondents who have filed a claim, the satisfaction level increases to about 76% of respondents saying they were completely satisfied with the ease of filing a claim.

Nationwide Customer Loyalty

Nationwide lands midpack in our survey for customer loyalty. Survey respondents gave Nationwide below-average scores when asked if they were likely to renew their policies or recommend to others. Of respondents who had not filed a claim, 26% said they are very likely to recommend Nationwide. Of respondents who filed a claim, 28% said they are very likely to recommend Nationwide and 44% are very likely to renew their policy.

Nationwide Complaints

According to survey respondents, Nationwide is prone to raising rates. This is one of the most common complaints expressed by policyholders. Other survey respondents noted that it’s important to understand what is included in your coverage.

  • “I’m way overpaying, considering the number of claims I’ve filed in the last 10 years – two. They’ve made a bundle from me and all they’ve done is jack up the rates. Now I’m driving about 3,000 miles a year or less.”
  • “Not the best when you total loss a car, rental insurance is separate and not included in full coverage.”
  • “My wife recently passed away. I notified Nationwide and found my rates would go up. Why? I have not had an accident in five years when my neighbor backed into me coming out of her driveway. I have been a customer of Nationwide for over 20 years, always paid my premiums on time, never had an accident, and I keep my car kept up, but my insurance increased over $80 a month. I just don’t understand.”

How Much Is Nationwide Car Insurance?

Our annual study of the Cheapest Car Insurance Companies shows that most drivers may be able to save money with Nationwide. On average, our study shows, Nationwide’s average annual rate is $1,284 – about 3% less than the national average of $1,321. Nationwide is cheaper than most rival companies in our rankings, though USAA, Geico, State Farm and Travelers all have lower average rates than Nationwide.

Remember that your own car insurance rates quote will vary based on your specific situation. Like all auto insurance companies, Nationwide’s rates vary based on a number of factors.

Nationwide Car Insurance for You

Nationwide Rates for Teen Drivers

 17-YEAR-OLD FEMALE17-YEAR-OLD MALE
Nationwide$4,222$5,101
National Average$4,515$5,140

For both male and female teen drivers, Nationwide comes in at about the halfway mark between the cheapest and most expensive auto insurance companies we rank. However, teens of both genders have lower rates from Nationwide than the national average.

Nationwide Rates for Young Adults

 25-YEAR-OLD FEMALE25-YEAR-OLD MALE
Nationwide$1,497$1,608
National Average$1,487$1,554

Nationwide is on the expensive side for young adult drivers, with study rates that are a couple of percentage points above the national averages and more expensive than most competitors we rank.

Nationwide Rates for Seniors

 60-YEAR-OLD FEMALE60-YEAR-OLD MALE
Nationwide$1,049$1,128
National Average$1,149$1,183

Senior drivers are likely to find competitive rates with Nationwide, which are in line with the cheapest companies we rank in this category and slightly less than the national average for this group.

Nationwide Rates for Drivers With Poor Credit

 AVERAGE RATE FOR POOR CREDIT
Nationwide$1,777
National Average$2,227

Drivers with a poor credit rating should consider Nationwide. Our study shows Nationwide’s annual average rate for this group is about 20% less than the national average, and it’s among the cheapest of the companies we rank.

Nationwide Rates for Good Drivers

 AVERAGE RATE FOR GOOD DRIVERS
Nationwide$1,284
National Average$1,321

Drivers with a clean record may be able to save money with Nationwide. Though Nationwide’s average study rate for this group lands in the middle of the companies we rank, it still represents savings compared to the national average.

Nationwide Rates After a Speeding Ticket

 AVERAGE RATE WITH SPEEDING TICKET
Nationwide$1,558
National Average$1,604

For drivers with a speeding ticket, Nationwide’s average rate lands in the top half among the companies we rank. This rate also represents a small savings compared to the national average.

Nationwide Rates After an Accident

 AVERAGE RATE WITH ACCIDENT
Nationwide$1,910
National Average$1,872

From here, Nationwide starts to get more expensive. Our study shows that for drivers with one accident, Nationwide’s average rate climbs into the pricier half of the companies in our rankings, and becomes more expensive than the national average, as well.

Nationwide Rates After a DUI

 AVERAGE RATE WITH DUI
Nationwide$2,559
National Average$2,112

Nationwide is one of the more expensive auto insurance companies in our rankings for drivers with a DUI, with a rate that is about 21% more than the national average.

How Much Is High Coverage Car Insurance With Nationwide?

 AVERAGE RATE FOR HIGH COVERAGE
Nationwide$1,308
National Average$1,397

For a high level of coverage, our study shows Nationwide offers savings compared to the national average, and the fourth-lowest average rate of the companies we rank.

How Much Is Minimum Coverage Car Insurance With Nationwide?

 AVERAGE RATE FOR MINIMUM COVERAGE
Nationwide$1,294
National Average$1,248

Though Nationwide drivers might save with a high coverage policy compared to the national average, this company’s average rate for minimum coverage is on the high side. Our study shows a rate that’s higher than the national average, and more expensive than most competitors in our rankings. However, Nationwide is a great example of the fact that higher levels of coverage might not raise your rates as much as you think.

Nationwide Car Insurance Discounts

Nationwide offers a variety of discounts in line with most major auto insurance companies that we rank. Keep in mind that discounts can vary from state to state, and policyholders should always check with Nationwide for eligibility.

  • Student/Good Student: Discounts for students with good grades.
  • Student Away From Home/Storage: Savings for students whose cars aren’t used or are stored while they’re living on campus.
  • Bundling/Multi-policy: Savings on car insurance for bundling with a homeowners, renters, or similar policy.
  • Multi-vehicle: Discounts for multiple vehicles on the same policy.
  • Good Driver/Clean Record: Discounts may be available for policyholders with an accident-free record.
  • Defensive Driving Course: Discounts available for adults and young drivers who complete approved courses.
  • Employer/Affinity Group: Discounts for membership or employment with certain organizations.
  • New car/Safety/Anti-theft Equipment: Discounts available for late-model vehicles or those equipped with certain safety features.
  • Low Mileage: Potential savings for drivers who don’t drive a lot.
  • Paperless/Automatic Billing: Savings for enrolling in automatic billing and/or online billing.
  • Tracking Device Program: Initial savings of 10% and potential savings of up to 40% for demonstrating safe driving habits with SmartRide.

What Types of Car Insurance Does Nationwide Offer?

In addition to basic auto insurance coverage, Nationwide offers add-on policy features and coverage options such as accident forgiveness and roadside assistance.

  • Liability
  • Comprehensive
  • Collision
  • Uninsured/underinsured motorist
  • Personal injury protection 
  • Medical payments
  • Gap insurance
  • Emergency road service
  • Rental car insurance
  • Sports car and classic car coverage
  • Motorcycle, scooter, and ATV
  • RV
  • Recreational vehicle coverage
  • Commercial vehicle coverage
  • SmartMiles mileage-based coverage

Other Services Offered by Nationwide

  • Website: Insurance resources for potential customers and account management for policyholders.
  • Online quotes: Convenient and can be saved for future reference.
  • Online account access and management: Easy access to billing and policy information.
  • Mobile app: Provides billing and policy information, claims tracking, and access to roadside assistance.
  • SmartRide: Opt-in telematics/tracking program that may result in discounts for safe drivers.

Other Insurance From Nationwide

  • Homeowners insurance
  • Rental insurance
  • Condo insurance
  • Identity theft insurance
  • Business insurance
  • Life insurance
  • Dental insurance
  • Accidental medical insurance
  • Flood insurance
  • Commercial vehicle coverage
  • Travel
  • Weddings
  • Boat, personal watercraft, and other recreational vehicles
  • Pet insurance
  • Personal umbrella coverage

FAQ

Where do I buy Nationwide car insurance?

Nationwide auto insurance policies are available online, over the phone, or in person.

How does Nationwide compare to other car insurance companies?

In our annual rate study of nine major auto insurers, Nationwide comes in midpack, with an average rate just slightly lower than the national average. Nationwide also finishes in the top half of our rankings of the Best Car Insurance Companies with particularly strong scores for customer service.

Who should get Nationwide car insurance?

Though Nationwide has competitive rates for most driver demographics in our study, we found that drivers with poor credit may especially benefit with Nationwide. Furthermore, Nationwide’s strong customer service scores indicate a good fit for most drivers.

How do I contact Nationwide?

  • Website: www.nationwide.com
  • Mailing address: Nationwide Headquarters, One Nationwide Plaza, Columbus, OH 43215
  • Customer service phone number: 1-877-699-6877
  • Customer service email: Contact Form
  • Twitter: @Nationwide

How We Created This Nationwide Car Insurance Review

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our rankings in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Best Car Insurance Rankings.

We surveyed 4,806 consumers who filed a car insurance claim or started a new auto insurance policy in the last five years, asking questions about their car insurance company. Of the survey respondents, 50 filed a claim with Nationwide and 47 started a policy with Nationwide. These questions covered satisfaction with the ease of filing a claim, customer service, claim status communication, claim resolution, and overall value. In general, questions for consumers who have filed a claim were given more weight than questions for consumers who have only opened a policy. We also asked whether they’d recommend the company and if they planned to renew their policy. We used their responses to build our Best Car Insurance Companies Rankings, as well as our sub-rankings: Best Car Insurance Companies – Customer Service, Best Car Insurance Companies – Claims Handling, and Best Car Insurance Companies – Customer Loyalty, and this company profile.

Our Study Rates

To get comparative insurance rates for this study, U.S. News also worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from most of the largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 17, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes.

To get the study rates shown here, we computed the mean rate for male and female drivers aged 25, 35, and 60 who drive 12,000 miles per year and have medium coverage, good credit, and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

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