Nationwide Auto Insurance Review: Can you get affordable quotes? (2024)
Nationwide insurance rates are lower than average for drivers with poor credit, with policies at $165/mo. Our Nationwide auto insurance review compares Nationwide car insurance discounts to see how much drivers can save on rates. Nationwide anti-theft discounts can take 25% off annual premiums.
UPDATED: Sep 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Sep 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
UPDATED: Sep 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Nationwide Mutual Insurance Company
Average monthly rate for good drivers:
$115A.M. Best rating:
A+Complaint level:
MedPros
- Loyalty rewards for long-term customers, including pet injury protection
- Drivers can save up to 40% with Nationwide SmartRide usage-based insurance
- Affordable rates for drivers with poor credit
Cons
- More expensive quotes for safe drivers than its competitors
- Fewer auto insurance discounts than other companies
- Negative customer experiences in most regions
Final Verdict: Review of Nationwide Mutual Insurance Company
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 Mutual Insurance Company
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.
Take the time to look at all aspects of an auto insurance company before purchasing, from its rates to its customer reviews.Daniel Walker Licensed Insurance Agent
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.
Nationwide Mutual Insurance Company 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
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Nationwide Mutual Insurance Company 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 | Female (16) | Male (16) | Female (25) | Male (25) | Female (30) | Male (30) | Female (60) | Male (60) |
|---|---|---|---|---|---|---|---|---|
| Allstate | $608 | $638 | $181 | $190 | $168 | $176 | $150 | $154 |
| American Family | $414 | $509 | $136 | $150 | $124 | $136 | $99 | $104 |
| Farmers | $810 | $773 | $172 | $180 | $160 | $167 | $120 | $128 |
| Geico | $298 | $312 | $97 | $93 | $90 | $87 | $73 | $74 |
| Liberty Mutual | $723 | $785 | $187 | $215 | $174 | $200 | $148 | $159 |
| Nationwide | $411 | $476 | $136 | $150 | $124 | $136 | $99 | $104 |
| Progressive | $801 | $814 | $141 | $146 | $131 | $136 | $92 | $95 |
| State Farm | $311 | $349 | $101 | $111 | $94 | $103 | $76 | $76 |
| Travelers | $719 | $910 | $107 | $116 | $99 | $108 | $89 | $90 |
| USAA | $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.
Full Coverage Auto Insurance Monthly Rates by Provider and Driving Record| Insurance Company | Clean Driving Record | One Speeding Violation | One Accident | One DUI Conviction |
|---|---|---|---|---|
| Allstate | $160 | $188 | $225 | $270 |
| American Family | $117 | $136 | $176 | $194 |
| Farmers | $139 | $173 | $198 | $193 |
| Geico | $80 | $106 | $132 | $216 |
| Liberty Mutual | $174 | $212 | $234 | $313 |
| Nationwide | $115 | $137 | $161 | $237 |
| Progressive | $105 | $140 | $186 | $140 |
| State Farm | $86 | $96 | $102 | $112 |
| Travelers | $99 | $134 | $139 | $206 |
| USAA | $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.
Full Coverage Auto Insurance Monthly Rates by Credit Score| Insurance Company | Good Credit | Fair Credit | Poor Credit |
|---|---|---|---|
| Allstate | $166 | $197 | $296 |
| American Family | $116 | $136 | $203 |
| Farmers | $140 | $161 | $269 |
| Geico | $82 | $100 | $148 |
| Liberty Mutual | $177 | $226 | $355 |
| Nationwide | $120 | $133 | $166 |
| Progressive | $109 | $138 | $206 |
| State Farm | $91 | $118 | $200 |
| Travelers | $107 | $128 | $194 |
| USAA | $63 | $76 | $129 |
| Average | $123 | $148 | $226 |
Nationwide’s rates for poor credit scores are some of the best, making it a great choice for drivers with poor credit scores.
Nationwide Mutual Insurance Company Discounts Available
Below, you can see how Nationwide car insurance discounts stack up against other companies.
Auto Insurance Discounts Offered by Top Companies| Discount Name | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 90% | ||
| 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.
How Nationwide Mutual Insurance Company 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.
Frequently Asked Questions
How does Nationwide auto insurance rank as an insurance company?
Nationwide auto insurance ratings are about average.
Is Nationwide a reputable insurance company?
Yes, Nationwide reviews consistently show competitively low rates and average customer satisfaction.
Is Nationwide good at paying auto insurance claims?
Nationwide insurance claims complaints are average, which means Nationwide is good about paying claims.
What is the quality of Nationwide customer service?
Nationwide customer service earned a medium complaint level rating, which means it is about average.
How much is Nationwide auto insurance per month?
Nationwide average insurance per month cost for good drivers is $115/mo for full coverage. However, the quote you get through a Nationwide auto insurance rates calculator will depend on your driving record, age, gender, credit score, and more.
Are Nationwide auto insurance rates based on tracked driving habits?
Nationwide only bases rates on tracked driving habits if you participate in the SmartRide program. Even then, rates will only be discounted, not raised, making SmartRide a great way to get affordable Nationwide auto insurance.
Why are my Nationwide auto insurance rates going up?
Nationwide auto insurance rates could be going up for a number of reasons, such as changes in your credit score, driving record, and more.
Where is Nationwide auto insurance available?
Nationwide auto insurance availability is only in 47 states. It is not offered in the states of Alaska, Hawaii, Louisiana, and Massachusetts.
Which is better for auto insurance, Nationwide or Progressive?
Nationwide auto insurance quotes are cheaper on average than Progressive’s quotes.
Is Nationwide financially stable?
Yes, the Nationwide Mutual Insurance Company reputation is financially stable.
How long does it take Nationwide to process a claim?
It can take anywhere from a few days to a few weeks, depending on the complexity of the claim. Learn how long it takes Nationwide to process an auto insurance claim.
How does Nationwide pay claims?
Nationwide will send you a check if your Nationwide car insurance claim is approved.
What makes Nationwide different?
Nationwide car insurance has some of the best rates for drivers with poor credit.
Why did my car insurance go up with Nationwide?
Your Nationwide auto insurance quotes could have changed due to changes in driving record, credit score, and more.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.