Nationwide Auto Insurance Review: Can you get affordable quotes? (2026)

Our Nationwide auto insurance review found affordable rates for drivers with poor credit and other significant savings through the SmartRide program. However, Nationwide has slightly higher rates for drivers with good driving records, and it has poor customer ratings in some regions.  Drivers should shop around to see if they are getting the best deal at Nationwide or if another company is a better fit.

What You Should Know About Nationwide

Reading Nationwide insurance reviews and learning how to compare auto insurance quotes are some of the best ways to find out if Nationwide is right for you. Our Nationwide auto insurance review found that the company offers great rates for the majority of drivers, but it doesn’t have as many discounts as other companies.

Continue reading to learn about Nationwide Mutual Insurance company reputation, rates, and more. If you want to compare quotes from different companies today, check out our free quote comparison tool.

Nationwide Complaints and Customer Satisfaction

Nationwide car insurance ratings provide a quick look into how the company operates and what customers think of the company. Nationwide customer service has a medium complaint level, which indicates not all customers are happy with how Nationwide works with customers.

However, a medium complaint level doesn’t necessarily mean you have to avoid the company. It just means that Nationwide is average when it comes to customer service, but other components, like its lower rates, may still make it a great choice for drivers.

Nationwide Claims Handling

Part of the rating for complaint level is based on Nationwide insurance claims complaints. Most companies have average complaint levels for claims handling, so Nationwide is about average for claims satisfaction. 

You can read more about Nationwide claims in our article on how long it takes Nationwide to process an auto insurance claim.

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Nationwide Insurance Coverage Options

Nationwide offers the following types of auto insurance coverage.

• Collision
• Comprehensive
• Gap coverage
• Liability
• Medical Payments (MedPay)
• Nationwide SR-22 Insurance
• Personal Injury Protection (PIP)
• Rental Car Reiumbursment
• Roadside Assistance
• Underinsured Motorist
• Uninsured Motorist

Nationwide auto insurance coverage availability for optional coverages may vary by state.

Learn more: How Much Auto Insurance Coverage You Need

Nationwide Insurance Rates Breakdown

Nationwide auto insurance reviews show the company offers competitive rates to young drivers and those with poor credit. Compare Nationwide auto insurance quotes by age, driving record, and credit score in the tables below.

Compare Nationwide Auto Insurance Rates by Age and Gender

The age and gender of drivers will affect their Nationwide auto insurance quotes. Below, you can see how much Nationwide charges by drivers’ age and gender.

Insurance Company	Age: 16 Female	Age: 16 Male	Age: 25 Female	Age: 25 Male	Age: 30 Female	Age: 30 Male	Age: 60 Female	Age: 60 Male
	$608	$638	$181	$190	$168	$176	$150	$154
	$414	$509	$136	$150	$124	$136	$99	$104
	$810	$773	$172	$180	$160	$167	$120	$128
	$298	$312	$97	$93	$90	$87	$73	$74
	$723	$785	$187	$215	$174	$200	$148	$159
	$411	$476	$136	$150	$124	$136	$99	$104
	$801	$814	$141	$146	$131	$136	$92	$95
	$311	$349	$101	$111	$94	$103	$76	$76
	$719	$910	$107	$116	$99	$108	$89	$90
	$245	$249	$80	$85	$74	$79	$53	$53

Nationwide is one of the cheaper companies for younger drivers, making it a decent option for new drivers.

How Driving History Affects Nationwide Auto Insurance Rates

Driving history is another factor that will affect your Nationwide average insurance per month. Take a look at the table below to see how your driving record impacts your insurance rates.

Insurance Company	Clean Driving Record	One Speeding Violation	One Accident	One DUI Conviction
	$160	$188	$225	$270
	$117	$136	$176	$194
	$139	$173	$198	$193
	$80	$106	$132	$216
	$174	$212	$234	$313
	$115	$137	$161	$237
	$105	$140	$186	$140
	$86	$96	$102	$112
	$99	$134	$139	$206
	$59	$67	$78	$108

Nationwide’s rates for different violations fall around the middle, so it is not the cheapest choice for drivers with violations.

How Credit Score Affects Nationwide Auto Insurance Rates

Below, you can see your credit score and auto insurance quotes by company.

Insurance Company	Good Credit	Fair Credit	Bad Credit
	$95	$115	$160
	$90	$110	$150
	$92	$112	$155
	$65	$85	$130
	$100	$120	$165
	$85	$105	$145
	$65	$85	$130
	$50	$70	$115
	$80	$100	$140
	$60	$80	$125

Nationwide’s rates for poor credit scores are some of the best, making it a great choice for drivers with poor credit scores.

Nationwide Discounts Available

Below, you can see how Nationwide car insurance discounts stack up against other companies.

Discount Name
Adaptive Cruise Control	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
Adaptive Headlights	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
Anti-lock Brakes	10%	✓	✓	5%	5%	5%	✓	5%
Anti-Theft	10%	✓		23%	20%	25%	✓	15%
Claim Free	35%	✓	✓	26%	✓	10%	✓	15%	23%	12%
Continuous Coverage		✓	✓		✓	✓	✓	✓	15%	✓
Daytime Running Lights	2%		✓	3%	5%	5%	✓	✓
Defensive Driver	10%	10%	✓	✓	10%	5%	10%	5%	10%	3%
Distant Student	35%	✓	✓	✓	✓	10%	✓		7%
Driver's Ed	10%	✓	✓	✓	10%	✓	10%	15%	8%	3%
Driving Device/App	20%	40%	✓	✓	30%	40%	20%	50%	30%	5%
Early Signing	10%	✓	✓	✓	✓	8%	✓	✓	10%	12%
Electronic Stability Control	2%	✓	✓	✓	5%		✓	✓	✓	✓
Emergency Deployment	✓	✓	✓	25%	✓	✓		✓	✓	✓
Engaged Couple	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Family Legacy	✓	✓	✓	✓	✓	✓	✓	✓	✓	10%
Family Plan	✓	✓	✓	✓	✓	25%	✓	✓	✓	✓
Farm Vehicle	10%	✓	✓		✓	✓		✓	✓	✓
Fast 5	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Federal Employee	✓	✓		12%	10%	✓		✓	✓	✓
Forward Collision Warning	✓	✓	✓	✓	5%		✓	✓	✓	✓
Full Payment	10%	✓	✓		$50	✓	✓	✓	8%	✓
Further Education	✓	✓			10%	15%		✓		✓
Garaging/Storing	✓	✓	✓		✓	✓	✓	✓		9%
Good Credit			✓	✓	✓		✓		✓	✓
Good Student	20%	✓		15%	23%	10%	✓	25%	8%	3%
Green Vehicle	10%	✓	5%	✓	10%	✓	✓	✓	10%	✓
Homeowner	✓	✓	✓		✓	5%	✓	3%	5%	✓
Lane Departure Warning	✓	✓	✓	✓		✓	✓	✓	✓	✓
Life Insurance	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Low Mileage		✓		✓			✓	30%
Loyalty	✓	✓	✓	✓	✓	5%	✓	✓	✓
Married	✓	✓	✓	✓			✓		✓
Membership/Group	✓	✓	✓		10%	7%		✓		✓
Military		✓	✓	15%	4%	✓			✓
Military Garaging	✓	✓	✓	✓	✓	✓	✓	✓	✓	15%
Multiple Drivers	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Multiple Policies	10%	29%	✓	10%	20%	10%	12%	17%	13%
Multiple Vehicles		✓	✓	25%	10%	20%	10%	20%	8%
New Address	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
New Customer/New Plan	✓	✓	✓	✓		✓	✓	✓	✓	✓
New Graduate	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
New Vehicle	30%	✓	✓	15%	✓			40%	10%	12%
Newly Licensed	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
Newlyweds	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
Non-Smoker/Non-Drinker	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Occasional Operator	✓	✓	✓	✓	✓	✓	✓	✓	✓
Occupation		✓			10%	15%	✓	✓		✓
On-Time Payments	5%	✓		✓	✓	✓	✓	✓	15%	✓
Online Shopper	✓	✓	✓	✓	✓	✓	7%	✓	✓	✓
Paperless Documents	10%	✓		✓	✓	5%	$50	✓	✓	✓
Paperless/Auto Billing	5%	✓		✓	✓	$30	✓	$20	3%	3%
Passive Restraint	30%	30%		40%		20%	✓	40%
Recent Retirees	✓	✓	✓	✓	4%	✓	✓	✓	✓	✓
Renter	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Roadside Assistance	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Safe Driver	45%	✓		15%	✓	35%	31%	15%	23%	12%
Seat Belt Use	✓	✓	✓	15%	✓	✓		✓	✓	✓
Senior Driver	10%	✓		✓	✓	✓	✓	✓	✓
Stable Residence	✓	✓	✓	✓	✓		✓	✓	✓	✓
Students & Alumni	✓	✓	✓		10%	7%		✓	✓	✓
Switching Provider	✓			✓	10%	✓		✓	✓	✓
Utility Vehicle	15%	✓	✓		✓	✓		✓	✓	✓
Vehicle Recovery	10%	✓	✓	15%	35%	25%	✓	5%
VIN Etching	✓	✓	✓	✓	5%		✓	✓
Volunteer	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Young Driver	✓	✓	✓	✓		✓	✓	✓	✓	$75

Nationwide offers a variety of auto insurance discounts that can help lower a driver’s Nationwide insurance cost.

How to Lower Auto Insurance Rates with Nationwide SmartRide

One of Nationwide’s biggest discounts is the usage-based discount it offers through its SmartRide program. SmartRide uses a plug-in device or app to track driving behavior for at least four months, after which SmartRide will give a discount of up to 40%.

The app will track behaviors like speeding, braking, and miles driven. If you drive safely, SmartRide will give you a discount, helping you get affordable Nationwide auto insurance. SmartRide is a great way for drivers to save, as it offers a 10% discount just for signing up.

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How Nationwide Ranks Among Providers

Nationwide insurance ratings compared to other companies are decent. It is one of the best companies for drivers with poor credit ratings and anyone who needs affordable non-owner SR-22 insurance.

However, there are other companies that may offer cheaper rates for drivers with good driving records or that have better customer satisfaction ratings. The best way to decide if Nationwide is best for you is to read Nationwide car insurance reviews vs. other companies’ reviews.

Some auto insurance reviews of Nationwide’s competitors are:

• American Family Insurance Auto Insurance Review 
• Farmers Auto Insurance Review
• Geico Auto Insurance Review
• Liberty Mutual Auto Insurance Review
• State Farm Auto Insurance Review

Comparing companies will help you decide if Nationwide is the best company for you or if another company might fit your needs better.