Nationwide Insurance is the tenth-largest insurer by direct written property and casualty premiums, as per the Insurance Information Institute (III). Nationwide boasts a wide selection of insurance, banking, investment, and life planning products and services. The company has its headquarters in Columbus, Ohio.
In this guide, we’ll cover Nationwide’s auto, homeowners, and renters insurance in depth. This includes a detailed review of the company’s coverages and discounts, as well as the factors it uses to set your rates. We’ll also provide key Nationwide company information, such as its customer satisfaction ranking, mobile apps, claims process, and more. After reading our shopping guide, you’ll be able to decide if Nationwide’s the right insurer for you.
- Available in most states
- Numerous home and renters coverages
- Few customer complaints
- Doesn’t offer rideshare coverage
- Few auto discounts
Nationwide Auto Insurance
Nationwide is the eighth-largest auto insurance provider in the US, according to the III. The company offers a wide range of auto coverages, discounts, and more. It also ranks high among other insurers for customer satisfaction. J.D. Power gave Nationwide a score of 858 out of 1,000 for overall customer satisfaction in 2022. This score places them fifth out of all other insurers.
Nationwide Auto Coverages
With Nationwide, you’ll have plenty of auto insurance coverages to choose from. These coverages include basic ones, such as full coverage and personal injury protection (PIP), but they also include extras like gap insurance. Below is a complete list of the auto insurance coverage types you can get with Nationwide:
- Liability insurance. This pays for any property damage or injuries you’re liable for after an accident.
- PIP. Covers injuries that you or your passengers suffer from a car accident. This kicks in no matter who caused the collision.
- Uninsured and underinsured motorist (UM and UIM). UM and UIM pays for any expenses that a driver with no or too little insurance causes in a car accident.
- Medical payments (MedPay). MedPay covers medical bills for you and your passengers after an accident, regardless of fault.
- Collision. Covers damages to your car after a collision with an object, animal, or pothole.
- Comprehensive. This takes care of any damages to your car that a collision didn’t cause. Examples include natural disasters, theft, vandalism, and fires.
- Towing and labor. If your car is broken down on the side of the road, this will pay for the towing and labor costs.
- Rental car expense. After a covered accident, this will pay for you to have a rental car until your car gets the repairs it needs.
- Gap insurance. If your car is a total loss, this coverage will help pay the difference between what you owe on the car and its actual cash value (ACV). Otherwise, you’d have to pay the remainder of your loan.
- Accident forgiveness. This will prevent any rate increases after your first at-fault accident. Availability varies depending on the state.
- Vanishing deductible. With each year of safe driving, Nationwide will take $100 off your deductible.
- Total loss deductible waiver. For an extra cost, this coverage will remove any deductible if your car is a total loss.
- Umbrella insurance. This adds extra liability coverage, helping protect you from expensive lawsuits and claims.
Nationwide provides 24/7 roadside assistance to help you out when your car breaks down. The insurer provides roadside coverage through a company called Agero. Calling for help will get you any of the following:
- Towing up to 15 miles
- Dead battery jump-start
- Fuel delivery
- Flat tire change
- Lockout services (up to $100)
Nationwide has two forms of roadside coverage (both of which include the above)—Basic and Plus. Nationwide Roadside Assistance Basic just includes the above, while the Plus plan adds the services below:
- Towing up to 100 miles
- Trip interruption coverage that goes up to $500 if you’re stuck 100 or more miles away from home. This includes things like lodging, meals, and other modes of transportation.
We ranked Nationwide number two on our list of the best car insurance companies for roadside assistance. To get emergency assistance coverage, you’ll have to add it to your insurance policy.
How to Request Nationwide Roadside Assistance
Nationwide Auto Insurance Term Length
Nationwide typically offers either six- or 12-month policy terms. It’ll be up to you to decide which one is better for you. Six-month periods allow for more flexibility. However, 12-month terms allow you to keep the same rates for a longer time. It’s important to note that Nationwide doesn’t offer short-term or temporary car insurance.
High-Risk Auto Insurance
Nationwide may insure you if you’re a high-risk driver. But it’ll mainly depend on how severe your record is. Nationwide may also help you file your SR-22 if your state required you to do so. Keep in mind that while Nationwide could offer you a policy as a high-risk driver, it’ll be much more expensive than normal.
Insurance for Rebuilt Title Cars
Does Nationwide insure cars with rebuilt titles? Yes they do! These are vehicles that were declared a total loss and given a salvage title. This usually means the car sustained damages exceeding 75% of its value. A vehicle with a salvage title is undriveable and difficult to insure. But after fixing and restoring the car to a safe and drivable condition, your state’s DMV can give it a rebuilt title.
Once your car has a rebuilt title and is legal to drive, Nationwide may cover it with an insurance policy. But you may only be able to get a liability-only policy. That’s because a car’s claims history is a major rate factor. And cars with “rebuilt” branded on their title are guaranteed to have had at least one major claim. But you sometimes can get full coverage on a rebuilt title. It just depends on the condition and value of the car.
How to Get a Nationwide Quote
Whether you’re a first-time customer or renewing your policy, getting a Nationwide auto insurance quote is a breeze. There are three easy ways to get a quote:
What You Must Provide to Get a Quote
When you get a Nationwide quote, you must provide information about yourself. This helps Nationwide figure how much to fairly charge you for auto insurance. Here’s what you need to complete a quote:
- Your name
- Your address and ZIP code
- Information about your car, such as make and model
- Desired coverage and limits
- Marital status
- Mobile phone number
- Email address
- Driver’s license number
- Completion date of any accident prevention or defensive driving courses you’ve taken
This may seem like a lot. But Nationwide needs all of this information to provide you with an accurate and fair quote. Keep in mind that online quotes won’t give you a final rate. You’ll normally need to speak with someone from Nationwide to finalize your quote.
Nationwide Auto Rates
Your auto insurance rates with Nationwide will vary depending on many factors. Nationwide will consider many details about you and your record to determine how risky of a driver you are. Here are some factors that Nationwide thinks about when setting your auto rates:
- Where you live
- Driving record
- How much insurance you buy
- Car make and model
- How high or low your deductible is
While many of the factors above aren’t in your control, there are still ways to pay less for car insurance. Nationwide makes it easy to lower your rates by offering several discounts, such as its SmartRide and SmartMiles programs. When you’re getting a Nationwide quote, be sure to ask your agent about the discounts you could qualify for.
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Nationwide Auto Discounts
Nationwide allows you to save money on car insurance with discounts. The company’s discount selection isn’t as extensive as some other insurers. However, there are still enough options to lower your rates by a wide margin. Below is a full look at Nationwide’s auto insurance discounts:
Nationwide rewards customers with only one loyalty discount. But bundling is a big one because it can save you money on your auto insurance and other policies, such as homeowners.
Nationwide insurance bundling is known as the multi-policy discount. If you combine, or shall we say, bundle two or more policies together with Nationwide, the savings will be significant. Bundling homeowners and auto is a no-brainer, with up to 20% free savings at stake.
Nationwide claims on its website that most save an average of $646 a year when they bundle home and auto.
The following are examples of some policy bundling options at Nationwide:
- Auto and home
- Auto, home, and life insurance
- Auto and renters
- Auto and boat
There’s also a multi-car discount option that lets you bundle two or more vehicles into one Nationwide insurance policy.
Driver and Driving History Discounts
Nationwide provides discounts based on your driving habits and history. These reward you for minimizing claims and taking steps to be a better driver.
Accident Forgiveness/Accident-Free Discount
Nationwide accident forgiveness is an auto policy add-on that could keep your rates from increasing after your first at-fault accident. You’ll want to save it for more than a fender-bender because you can only use accident forgiveness once per policy. Available in select states. Per Nationwide, you can save up to 10%.
To qualify, you need at least five years of driving experience. In addition, your driving record must have no major violations or accidents over the last five years.
Defensive Driving Discount
Defensive driving is the closest Nationwide comes to having a senior discount. That’s because this discount’s offered to drivers 55 and older. If that were the only requirement, it’d be a senior discount. But this discount concerns defensive driving. To receive these savings, you must have:
- At least 55 birthdays
- No at-fault accidents on your record within the past 35 months
- Completed state-approved accident prevention or driver safety course
You must pass the defensive driving course to qualify for the discount. How much you save can vary. But according to Nationwide, most customers save about 5%.
Good Student Discount
Nationwide provides a good student discount for families with kinds in school to lower their insurance premiums. They don’t publish the actual savings, but you’ll see lower rates on your bill if you meet the discount requirements. Here’s how good students qualify:
- Age 16 to 24
- Full-time high school or college student
- B average or 3.0 GPA
You must provide Nationwide with proof of your student’s scholastic achievement before you’ll see a reduction in your car insurance rates:
- Current grade report card
- Form signed by school admin
Homeschool families can also get in on the good student discount. Students must take standardized tests such as the PSAT, SAT, or ACT and score in the top 20% nationally.
Safe Driver Discount
Nationwide’s safe driver discount kicks in when you’ve gone five years without an accident or moving violation. So, if you can go five years with a clean driving history, Nationwide will reward you. Exactly how much you’ll save, the company doesn’t say. Like most auto discounts, your savings depend on a variety of factors.
SmartRide is Nationwide’s usage-based auto insurance program that rewards safe drivers with lower rates. You’ll also get safe driving tips to help you improve your score. Drivers save 15% just for signing up. After that, it’s simple. The safer you drive, the more you save. Nationwide claims that the safest drivers can lower their auto rates up to 40%.
SmartRide isn’t watching your every move. It only tracks and records these four things when you drive:
- Miles driven. Driving is a risky business. The more you do it, the greater your chances of getting into an accident. It’s sort of obvious if you think about it.
- Hard braking and acceleration. Quick starts and stops are an aggressive driver’s bread and butter. The app flags accelerations faster than 7.7 mph/second. Sorry Tesla owners!
- Idle time. The SmartRide app records how long you’re stopped idling on a trip. This often happens when you drive during periods of high traffic congestion.
- Nighttime driving. The app measures driving time between 12 AM and 5 AM. Driving very early in the morning puts you at higher risk for an accident.
You can track your progress in the program once you activate the app. You’ll be able to see your projected discount and tips on how to improve it. At the end of the program period (about four to six months), your final discount is locked in. Nationwide applies the savings to your auto insurance rate when the policy renews. According to Nationwide, most drivers save an average of 21% with the SmartRide discount.
Can Using SmartRide Raise Your Rates?
Nationwide claims that your rates won’t increase because of the data collected by the SmartRide app. You’ll only see lower rates. And everyone gets a 15% discount for joining. Even so, bad driving is its own reward. People that get into accidents and acquire moving violations should expect their rates to go up.
Call (855) 241-9720 or your agent to join SmartRide.
The SmartRide program includes a lot of small print. Actual savings vary because of too many factors to list. Program rules in California and North Carolina differ. The most important one is that your final discount could be zero.
SmartMiles – Pay by Mile
SmartMiles is Nationwide’s pay-per-mile auto insurance program that allows you to pay based on your mileage. Nationwide splits your auto insurance rates into two parts. One is your base rate, or the part that won’t change. The other part is variable. The variable rate is based on how much you drive each month, or your “cost-per-mile.”
If you only drive a few miles a week, this is something worth looking into. Signing up is easy. But to start recording trips, you’ll need to install a small device on your car. Once the device is active, Nationwide begins tracking your trips. You can check the Nationwide app or log into your account on their website to monitor your mileage and payment.
After your first policy renewal, participants qualify for the safe driving behavior discount. This discount lowers your rates up to 10%.
Not available in AK, HI, NC, NY, and OK
These discounts help lower rates based on features installed on your vehicle. Most new cars will have some or all of the features that can get you a discount.
Nationwide offer an anti-theft discount for drivers with both factory-installed and aftermarket anti-theft devices. Not every device qualifies for this discount. But if the device disables your car so a crook can’t drive off with it, there’s a good chance it does.
How much you save depends on where you live and what kind of anti-theft device you installed. Not available in all states.
Nationwide applies the following discounts based on how you set up your policy and payment methods. Here’s a breakdown of account-based discounts.
Automatic Payments Discount
Get the automatic payment discount by setting up auto pay at your bank or credit union.
On Your Side Review
This isn’t really a discount. But it’s an opportunity for you to sit down with Nationwide and make sure you’re getting every discount you qualify for.
Paperless Billing Discount
Help Nationwide save the planet by opting into paperless billing. You’ll see fewer bill piles and more money in your bank account. Just log into your Nationwide account to edit your preferences and select “Go Paperless.”
Filing an Auto Insurance Claim with Nationwide
You can file an auto insurance claim with Nationwide by either going to their website, using the mobile app, or by calling (800) 421-3535. From there, you’ll be able to document the events of the accident. After you file the claim, Nationwide will assess the damages to your car and decide what repairs are necessary. Then, they’ll help you find a local repair shop and pay you the right amount so you can get your car back on the road.
Nationwide is a good choice for car insurance. There are many auto insurance coverages available to you. This includes those that aren’t always available with other insurers, like gap insurance. You can also lower your rates with discounts like SmartRide and SmartMiles. Finally, the claims process is simple and can be done either over the phone or with the company’s online services.
Nationwide Homeowners Insurance
Nationwide also offers homeowners insurance. The company is the eighth-largest home insurance provider in the US. It also appeared on J.D. Power’s 2021 home insurance customer satisfaction study, with a score of 812. This customer satisfaction score was good for the 14th in the country.
Nationwide Homeowners Coverages
Nationwide has a wide array of homeowners insurance coverages. These can help you protect your home and everything in it. Here’s a list of the types of homeowners coverage Nationwide provides:
- Dwelling. Covers the physical structure of your house. This includes walls, floors, and your roof.
- Other structures. This protects any other structures on your property, such as swimming pools, gazebos, sheds, and fences.
- Contents. Helps pay for or replace personal items you lose in a disaster.
- Personal liability. This helps pay for any injuries or damages you or other household members cause.
- Medical payments to others. If someone gets injured in your house or on your property, this will step in to pay for the medical bills or funeral costs.
- Loss of use. If a covered disaster renders your house unlivable, loss of use coverage will pay for living expenses until your house is back to normal.
- Ordinance or law. This will help you rebuild your home to local codes and ordinances if a covered disaster destroys it.
- Credit card coverage. Protects you from expenses resulting from fraud or unauthorized payments.
Nationwide Homeowners Discounts
It’s possible to lower your homeowners insurance rates with discounts. Nationwide has many that you may be eligible for. Below are Nationwide’s homeowners insurance discounts:
- Multi-policy. Bundling your home and auto insurance policies with Nationwide can get you a discount.
- Protective device. Installing safety devices, such as fire and burglar alarms, can get you a home insurance discount.
- Claims-free. You may be eligible for a discount if you stay claims-free with Nationwide.
- Home renovation credit. Renovating your plumbing, cooling, heating, or electrical systems can make your home safer. It can also get you a discount. A win-win!
- Roof rating. Depending on your roof type, you could get a discount.
- Prior insurance. You could get a discount if you recently switched to Nationwide and were with your previous insurer for several years.
- Home purchase. Did you buy a home in the last year? You could be in line for a discount.
- Gated community. If you live in a gated or secure neighborhood, Nationwide will lower your rates.
- Smart home. Installing smart home systems can get you a discount.
Extra Coverage Options
Nationwide’s standard homeowners insurance policy already comes with a lot. But you can even more protection for your house by adding extra coverages. These fill coverage gaps in your policy so you don’t have to pay out of pocket for unexpected disasters. Below are Nationwide’s extra homeowners coverages:
- Identity theft. This helps secure your identity and pay for any expenses if a theft were to occur.
- Valuables Plus. Raises coverage limits for valuable items, such as jewelry and art.
- Dwelling replacement cost. This doubles the limits for your dwelling coverage, ensuring that you’re able to replace your home.
- Water backup. If your sump pump, sewer, or drain overflows, this coverage will pay for the damages.
- Flood insurance. This protects your house from flood damage. Keep in mind that this is separate from your current policy.
- Earthquake insurance. Covers damage to your home from an earthquake. Like flood insurance, this is a separate policy with its own deductible.
Nationwide Homeowners Rate Factors
Your homeowners insurance rates with Nationwide will depend on a few different factors. The following are details about you and your home that the company may consider when setting your home insurance rates:
- Value of your home
- Claims record
- Credit rating
- Replacement cost vs. actual cash value
- What your deductible is set at
- Where you live
Filing a Homeowners Insurance Claim with Nationwide
To file a homeowners insurance claim with Nationwide, you can visit their website or call (800) 421-3535. When you file a homeowners claim, you’ll need to be sure you have the following information ready to go:
- Your personal info i.e., name, address, and phone number
- When the damage happened
- What type of damage it is
- The extent of the damages
After you file the claim, Nationwide will assign you to a claims associate. They’ll assess the damages to your property and estimate the settlement. Then, Nationwide will settle your claim and you should be able to repair your house.
Nationwide’s homeowners insurance is a good choice. The provider has more coverages than normal with a standard home insurance policy. Plus, there are several optional coverages for even more protection. Nationwide also stands out by offering a good number of discounts to help you pay less.
Nationwide Renters Insurance
In addition to homeowners, Nationwide also has renters insurance for tenants. This protects your personal property from random disasters. J.D. Power gave Nationwide a score of 834 out of 1,000 for overall renters insurance customer satisfaction, which is fourth in the US.
Nationwide Renters Coverages
Renters insurance policies typically offer coverage for your personal belongings and liability. Nationwide’s renters policy includes more than the average insurer:
- Contents. This covers your personal property from damage, even if they aren’t in the rental unit.
- Loss of use. If a covered disaster makes your rental unit unlivable, this will pay for your living expenses until the place is fixed.
- Personal liability. Covers any damages you’re liable for. This also pays for lawsuits.
- Medical payments to others. Pays for the medical bills if someone suffers an injury on your property.
- Credit card coverage. Pays for any fraudulent charges on your credit and debit cards.
- Building additions and alterations. If you add or alter something in your rental unit, this will cover it if covered damage occurs.
Nationwide Renters Discounts
A renters insurance policy should already be pretty cheap. However, Nationwide offers a few discounts that can go a long way towards saving you even more cash. Below are its renters insurance discounts:
- Claims-free. Going an extended time without claims on your policy can get you a discount. Be sure to ask your agent about this discount if you don’t have any claims.
- Protective device. Adding security features to your rental unit can get you a discount. This includes devices like fire and burglar alarms, security cameras, and smoke detectors.
- Multi-policy. Bundling your auto and renters insurance with Nationwide can save you big money. You can also bundle your renters with another policy, such as life insurance, to get this discount.
Extra Coverage Options
You have the option of adding extra coverage to your renters policy if you feel the need to do so. Nationwide has many extra coverages that can add even more protection from the unexpected. Here’s what’s available to you with Nationwide:
- Valuables Plus. If you own expensive items like jewelry or art, chances are your current limits won’t be enough to cover them. This coverage will increase your limits for specific items.
- Theft extension. Covers personal belongings that you keep in motor vehicles, boats, trailers, etc.
- Water backup. Pays for water damage that sump pumps, sewers, or drain backups cause.
- Earthquake. Protects you from damages that an earthquake causes.
Nationwide Renters Rate Factors
Nationwide will likely consider several different factors when they’re setting your renters insurance rates. These mostly have to do with how you set up your policy. But some have to do with your record. Below are common renters insurance rate factors:
- Claims history
- Credit rating
- Where you live
- How high or low your deductible is
- How much coverage you buy
Filing a Renters Insurance Claim with Nationwide
Filing a renters insurance claim is a simple process with Nationwide. You can file online or by calling their claims center at (800) 421-3535. When you file a claim, it’s important to keep certain info on hand, such as:
- When the disaster was
- Which items got damaged
- What type of damage it is
- Your personal info i.e., name, phone, address
For property claims, Nationwide will refer you to a claims associate. This person will walk you through the entire process. They’ll assess the damages to your property and estimate how much money you’ll need. Then, Nationwide should settle your claim and you’ll receive payment.
Nationwide has a great renters insurance product. It sets itself apart by offering more coverages than most insurers. There’s always the option of adding even more coverage, too. Filing a claim is also an easy process. Nationwide also has a high customer satisfaction score from J.D. Power. Overall, Nationwide sets a high bar with their renters insurance.
Nationwide Company Information
Nationwide wrote roughly 19.4 billion property/casualty premiums in 2021, per data from the National Association of Insurance Commissioners (NAIC). This gave Nationwide a market share percentage of 2.44%, placing it firmly as the tenth-largest insurance company.
Below are some further facts about Nationwide:
Nationwide was founded in 1926 as the Farm Bureau Mutual Automobile Insurance Company, an auto insurer for Ohio farmers. The company started with 1,000 policyholders. By 1943, Farm Bureau Mutual had begun doing business in 12 east coast states, as well as Washington, D.C.
In 1955, Farm Bureau Mutual officially changed its name to Nationwide, marking its goal of selling insurance all around the country. Since then, Nationwide has expanded far beyond just auto insurance. It now offers property and life insurance, banking and investment services, retirement planning, and much more.
You may have heard Nationwide’s famous jingle, “Nationwide is on your side.” This debuted in 1969. However, that wasn’t its first form. It originally said, “the man from Nationwide is on your side,” referring to its all-male agents. In the early 70s, Nationwide changed the jingle to its current form. This was done to be more inclusive once women began to work as insurance agents.
Several companies, such as A.M. Best, S&P Global, and J.D. Power, rank Nationwide favorably for financial strength and customer satisfaction.
Here are up-to-date customer satisfaction ratings for Nationwide:
J.D. Power releases a yearly study on the top auto, home, and renters insurance providers. The study uses a scale of 1,000 points to score each company. The auto insurance study includes four large states and seven regions. The homeowners and renters insurance studies, on the other hand, hold scores for the whole country.
Nationwide had below-average customer satisfaction scores in J.D. Power’s 2022 auto insurance study. It appeared on only five of the lists in the study with an average score of 815. Nationwide didn’t rank well enough to appear on the lists for these states and regions:
- New England
- New York
Nationwide was the 14th best company in J.D. Power’s 2021 homeowners insurance study with a score of 812. Nationwide, however, scored very high for renters insurance. In the 2021 renters insurance study, Nationwide came in fourth with a score of 834.
Types of Insurance Nationwide Offers
Nationwide provides a range of vehicle insurance options, including:
- Classic car
- Personal watercraft
- Golf cart
Nationwide also offers several of the main types of property insurance, such as:
- Private Client
Nationwide offers a lot more than just vehicle and property insurance. Life, pet, umbrella, and travel insurance are just some of the products in Nationwide’s large portfolio.
You can file a claim with Nationwide on the company’s website, with the mobile app, or over the phone. Be aware that, if you’re able, it’s generally the fastest to file online or with the app. When you file a claim with Nationwide, you may need to provide the following details:
- Name and address
- Names and addresses of any other people involved
- Policy number
- What happened
- Date and time of the incident
After you file, you should be in contact with a Nationwide claims representative. This person will look at your claim and begin the process to settle your claim. The process usually starts with the company assessing the damages to your car or home. Then, you’ll receive a repair estimate. After that, you’ll be able to figure out how you’ll get your home or vehicle repaired.
Nationwide offers the On Your Side Claims Service for auto claims. This gives you a written guarantee on repairs for the duration you own your car, so long as you take your vehicle to a shop in the On Your Side network. Nationwide says that the shops in the network have been thoroughly screened and recognized as the highest quality.
These are some useful links if you need to file a claim with Nationwide:
- File a claim
- Track a claim
- Auto claims process page
- Home and renters claims process page
- Nationwide claims FAQ page
Nationwide claims hotline: (800) 421-3535
You must contact your agent if you want to cancel your Nationwide insurance policy. You can use this tool to find your agent. Nationwide will also let you call (877) 669-6877 if you don’t have an agent.
Canceling your insurance can lead to fees. This is most often the case if you cancel without enough notice. State laws and policy details could also affect the cancellation fees you may receive.
The Nationwide Mobile App gives you an easy way to access various aspects of your insurance on your mobile device. Here are its main features:
- Digital insurance ID cards
- Pay bills and/or enable auto-payment
- Add vehicles and drivers to your policy
- Change the coverages you have
- Change your policy due date
- File and track claims
SmartRide is Nationwide’s safe driving program. By enrolling, you can qualify for a discount on your car insurance, including a 15% discount for signing up. Once you enroll, you’ll just have to download the app and let it track your driving habits. If you drive safely, you can earn a discount. The SmartRide mobile app tracks the following:
- Miles driven
- Acceleration and braking
- How long you’re idle
- Time of day you drive