Nationwide Insurance Reviews: Pros, Cons, and Customer Ratings for 2025
Nationwide Insurance received a 3 out of 5 rating based on Nationwide Insurance reviews collected in an EverQuote survey.
Popular for its affordable rates and policy customization benefits, Nationwide has a long-standing reputation in the country. Offering different types of coverage across auto, home, pet, and life verticals, this insurance company also features beyond-basic coverage options like gap coverage and SmartRides. In fact, Nationwide customers voted it one of the best home insurance companies with a 4 out of 5 rating in the EverQuote survey.
Learn about Nationwide’s car insurance – from its coverage options to its pricing to real customer feedback and satisfaction ratings – and decide if it’s the right choice for you.
What Types of Car Insurance Options Does Nationwide Offer?
When shopping for the best car insurance companies in your area, picking the right coverage is just as important as knowing the state minimums. After all, you want to ensure you’re well-protected without overpaying for coverage you might not even need.
Available types of coverage under the Nationwide auto insurance company include:
- Liability Insurance: A mandatory requirement for drivers in most U.S states, this pays for property damage and injuries for an at-fault accident. Nationwide also covers legal defense if a suit is brought against you following the accident.
- Collision Insurance: Although not required under state minimums, car dealerships and banks require it. Collision coverage pays for car repairs and replacements, no matter who’s at fault in a car accident.
- Comprehensive Insurance: Comprehensive coverage pays for damage resulting from scenarios other than collisions. That includes theft, vandalism, fire, harsh weather, accidents with animals, and the like.
- Underinsured/uninsured motorist coverage: This covers property damage or injuries from an accident where the at-fault driver doesn’t have enough — or any — liability insurance.
- Add-ons: Nationwide also offers several add-ons to help customize your policy. These include roadside assistance, rental reimbursement, and gap coverage, which covers the difference between a car loan and a vehicle’s value if it’s stolen or totaled.
Nationwide Car Insurance Costs: How Do Their Rates Compare?
Nationwide customers pay an annual premium of $2,447 or $204 per month for full coverage. That’s about 13% lower than the national average rates of $2,826 or $235 monthly cost. However, this rate depends on a variety of factors, including the driver’s age, residing state, vehicle type, and more.
Please note that these quoted rates are based on a 35-year-old driver, living in Georgia, with good credit and no driving violations, insuring a 2023 leased Toyota Camry. But if you live in states like Louisiana, New York, or Florida, you’ll likely pay more for car insurance.
Compared to other car insurance companies, Nationwide often stands out as the more affordable option. For instance, our research shows Nationwide’s $2,447 for full coverage annual car insurance is much lower than Liberty Mutual’s $3,061.
Customer Satisfaction: Nationwide Reviews and Ratings
From the sea of online car insurance company reviews, we noticed that most Nationwide auto insurance reviews praised the company’s polite and helpful customer service. Several 5-star Nationwide car insurance reviews lauded the quick turnaround from claim filing to processing to payout. On top of that, the company received an A (Excellent) from AM Best regarding its financial strength ratings, meaning its ability to pay off claims is very high.
On the flip side, we also found several negative Nationwide insurance reviews. A few Nationwide home insurance reviews complained of issues with renewal denial despite being long-time customers with no claims history. Other reviews stated an up to 100% policy premium increase within 12 months.
Furthermore, it's worth noting that Nationwide has pretty low scores on Trustpilot and Better Business Bureau (BBB), despite its prompt responses to customer complaints on BBB.
Nationwide’s Claims Process: What to Expect When You File
Nationwide received 728/1000 in J.D. Power’s Claims Satisfaction Study (2024), showing it’s pretty decent at paying claims. To initiate the process, customers can use the app or its modern-looking website, all of which provide a smooth user experience.
Do note that most Nationwide claims are paid out within 30 days, although this may vary depending on the circumstances. Many Nationwide homeowners insurance reviews recommend clients be as detailed and quick to respond as possible to avoid unnecessary delays. If your claims process takes too long, Nationwide has a real-time tracking tool on the website and mobile app. The insurance company also provides phone numbers where you can contact them for more help.
Discounts and Savings Opportunities with Nationwide
Those looking for the best car owners insurance companies that help them save will love Nationwide’s vast range of discounts and savings opportunities. These include:
- SmartRide: Download SmartRide to save up to 15% in auto insurance coverage rates for drivers after signing up. Plus, you get up to 40% off for safe driving.
- Multi-policy discount: Save up to $1,032 when you combine your home and car insurance from Nationwide.
- Accident forgiveness discount: Maintain an accident-free record and avoid a rate increase after your first at-fault accident.
- Good student discount: Full-time students between 16 and 24 years who maintain a B grade average or better get a student car insurance discount.
- Automatic payments: Go paperless on your Nationwide bills to earn a small discount.
Pros and Cons of Nationwide Car Insurance
| Pros | Cons |
|---|---|
| Widely available in 46 U.S states plus Washington, D.C. | Lacks 24/7 customer support |
| Generous discounts and savings opportunities for loyal customers | Not available in Alaska, Hawaii, Louisiana, and Massachusetts |
| Generally low monthly and annual premiums compared to other major insurers | |
| Wide range of car insurance coverage options |
Get Customized Car Insurance Quotes to Find the Best Deal
Looking for the best auto insurance? We know how hectic it is to browse from one car insurance website to another, comparing different ZIP codes, driver profiles, and coverage limits.
At EverQuote, we offer the latest prices from the most reputable car insurance companies to ensure you get the right insurance for the right price. Get custom comparison insurance quotes from EverQuote today.