Nationwide has a long and illustrious history in the insurance industry and is one of the most trusted names. They are featured in the top 10 in MoneyGeek’s list of the country’s best car insurance companies. On the flip side, their customer service rating is fairly average, and their policies tend to be more expensive than many competitors.

If you are looking for a provider with stable finances and a robust user experience with online tools, Nationwide car insurance can be a great choice. It can also be a good fit for safe drivers and drivers comfortable with technology. However, you can often find cheaper prices with competitors.

How Does Nationwide Auto Insurance Rate?

To properly evaluate insurance providers, MoneyGeek uses a combination of ratings and reviews, including J.D. Power customer satisfaction ratings, AM Best financial strength scores and other trusted sources. Overall, Nationwide is one of the best car insurance companies available today.

Customer Satisfaction Rating

Based on data provided by J.D. Power, Nationwide earns a score of 822 out of 1,000 points for customer satisfaction. The industry average is 835, so Nationwide's reputation in this area is slightly worse than the typical insurer. J.D. Power's data was also used for these star ratings, which show how Nationwide ranks in several specific categories.

Customer Complaint Ratio

Nationwide

The National Association of Insurance Commissioners (NAIC) is a regulatory body that evaluates customer service standards by logging the overall number of complaints received and comparing the median number of complaints against the national median of 1.00. Nationwide gets a score of 0.53, denoting a significantly lower number of complaints than most competitors.

Financial Strength

AM Best evaluates insurance companies’ financial situations and issues the AM Best Financial Strength Ratings, an indication of fiduciary stability. While this does not serve as a warranty to policyholders, it indicates that the provider is more likely to pay legitimate claims. Nationwide receives a solid rating of A+, only one notch below the maximum rating of A++.

Nationwide Insurance Features

When you shop for car insurance, you might be interested in some of Nationwide’s advanced options. These include a robust online shopping and claims experience and their special SmartRide and SmartMiles plans that allow for saving opportunities. They also offer policyholders numerous resources, including a detailed learning center and real-time repair updates.

Nationwide offers many customer-centric features that make the insurance experience easier and more convenient.

  • Type of Feature
    Description
  • Calculators
    You can access rate calculators for several insurance options provided by Nationwide through their website or mobile app.
  • Online Price Quotes
    Nationwide offers an easy online quote tool that immediately provides pre-packaged insurance quotes according to customer information, with room for further customization.
  • Online Bill Pay
    You can easily pay bills through the mobile app or website.
  • Online Claims
    Nationwide provides a simple claims process through its online portal and mobile app.
  • Mobile App
    Nationwide’s robust mobile app allows for online claims, policy management and roadside assistance. There is a separate app for its SmartRide program for safe drivers.

Nationwide Auto Coverage

Nationwide provides basic coverage that encompasses the state-mandated liability insurance in all states, along with other common insurance options. Customers also have the opportunity to customize their policy, opt for a range of upgrades and sign up for special features.

  • Type of Coverage
    Description
  • Collision
    In the event of a collision, your insurance provider would pay to repair or replace your vehicle, irrespective of fault.
  • Personal Injury Protection
    This includes medical payment coverage for the policyholder and their passengers in the insured vehicle, irrespective of fault. This also provides coverage for other costs, like lost wages and rehabilitation.
  • Uninsured
    This covers the costs for uninsured or underinsured people involved in an accident.
  • Liability
    Nationwide provides financial protection for bodily injury or property damage resulting from an at-fault accident.

Optional Insurance Features and Coverage

Nationwide also offers several features and optional coverages that you can use to supplement your policy.

  • Type of Option
    Description
  • Rental Reimbursement
    Also called loss of use coverage, this covers the cost of rentals while your car is serviced after an accident.
  • Roadside Assistance
    Nationwide provides around-the-clock roadside assistance if you need emergency car service while on the road.
  • Accident Forgiveness
    You can make a one-time payment to prevent additional premium costs after your first at-fault accident.
  • Gap Coverage
    This coverage helps you pay your auto loan if your vehicle is totaled while you still owe more than the car’s depreciated worth.

Available Discounts on Nationwide Car Insurance Coverage

Nationwide offers a range of attractive discounts that can help you save on car insurance costs.

  • Type of Discount
    Description
  • Safe Driver
    The SmartRide program monitors driving patterns and can offer up to 40% discounts for safe drivers, with an automatic discount just for signing up.
  • Defensive Driver
    This feature provides discounts for policyholders who complete an approved driving safety course and seniors who complete defensive driving courses.
  • Good Student
    Drivers between the ages of 16 and 24 with good high school or college grades can get an additional discount.
  • Multi Vehicle
    This provides up to 20% savings when you insure multiple vehicles with Nationwide.
  • Low Mileage
    The SmartMiles program rewards you if you use your vehicle sparingly. A base rate and a per-mile variable rate are used to calculate total costs.

Other Nationwide Insurance Products

Apart from car insurance, Nationwide also provides a host of other insurance solutions. It might be a good idea to bundle policies to get discounts.

  • Type of Product
    Description
  • Homeowners Insurance
    This covers the cost of repairing or replacing your home if it gets damaged. Homeowners insurance can also come with loss of use coverage, medical payments coverage and coverage for specific weather events.
  • Renters Insurance
    Renters insurance covers property damage and stolen items for renters. It can also include coverage for expensive items and moving costs.
  • Life Insurance
    Nationwide offers universal, variable, term and whole life insurance policies.
  • Classic Car Insurance
    Nationwide offers classic car insurance in partnership with a third party. This comes with lower premiums and guaranteed value coverage.
  • Recreational Vehicle Insurance
    Nationwide provides insurance for motorcycles, boats, RVs, snowmobiles, ATVs and golf carts.

How to Make a Car Insurance Claim With Nationwide

Contact Nationwide Car Insurance

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