Nationwide Auto Insurance Review: Quotes and Service (2024)

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 auto insurance companies available today.

MoneyGeek collected car insurance quotes from Nationwide across 29 states where it sells insurance and averaged the quotes for our sample driver. Based on our analysis, the insurer is neither cheap nor expensive compared with other companies at an average rate of $1,341 per year.

In addition, we also found that Nationwide has moderate pricing for all four of our sample drivers, including those seeking full coverage and minimum coverage, drivers with speeding tickets and young drivers.

To find the cheapest insurance offers, shop around and compare quotes from different companies. Still, price shouldn’t be your only consideration when buying car insurance. Factors such as customer satisfaction and complaint ratios help determine an insurer’s overall value proposition.

Nationwide insurance premiums are moderate (neither expensive nor cheap) for most drivers, including those with full coverage, minimum coverage, drivers with violations and young drivers.

Insurance companies are seldom transparent about determining their car insurance coverage pricing. Like the majority of insurance providers, Nationwide charges more for full coverage and for young drivers or those with traffic violations.

Nationwide, like all auto insurance companies, offers standard coverages such as liability, comprehensive and collision insurance.

Nationwide policyholders also have the option to purchase several add-on coverages: roadside assistance and rental car and travel reimbursement as well as accident forgiveness, gap insurance and deductible modification. However, the insurer does not offer two of the add-on coverages typically available, including new car replacement or better car replacement.

The car insurance company does offer two relatively uncommon add-on coverages: identity theft and total loss deductible waiver. Identity theft coverage through Nationwide pays up to $25,000 for expenses if you or anyone in your household are a victim of identity theft or fraud. The total loss deductible waiver through Nationwide covers your comprehensive or collision deductible if your vehicle is deemed a complete loss after an accident.

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.

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. See how Nationwide compares to other insurance companies for home and auto insurance bundles and renters bundle discounts in your state.

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++.