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Nationwide Insurance: Compare Ratings, Rates, Discounts & Coverages

In 1925, Nationwide launched as a small mutual auto insurer owned by policyholders. Today, Nationwide is one of the largest insurance and financial services companies in the world. Nationwide credits its success and its 85 years in business on its ability to focus on customers and value people.

Nationwide says people are the company's biggest resource and the company's greatest asset in providing excellent customer service to Nationwide's customers. To ensure that this focus on people is consistent across the company, Nationwide has an Office of Customer Advocacy, and a Supply Management Services group that makes sure Nationwide agents and associates get the best quality products and services, at the best possible cost.

How much does Nationwide car insurance cost?

Car insurance rates are determined based on many of the unique characteristics of you and your car including your age, marital status, credit score, the car you drive, where you live, and the company you choose. Your driving experience also has a huge impact. Car insurance rates for teen drivers tend to be much higher than rates for an experienced adult. In the graph below, you can see the average cost of Nationwide car insurance compared to the national average cost of car insurance. The graph is split into four categories: teen driver, single adult, married couple, and senior driver.

The average Nationwide car insurance rates for teen drivers are higher than the national average cost of car insurance. The average Nationwide car insurance rates for a single adult, married couple and senior driver are very close to the national average, but all are slightly lower. Please note that these are average car insurance rates based on specific profiles and your rate could be higher or lower based on your unique characteristics that affect car insurance rates.

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How much does Nationwide homeowners insurance cost?

Homeowners insurance rates also vary based on your unique risks. Some of the factors that affect the cost of homeowners insurance include the location of your home, your home's condition and age, the size and type of home, the crime rate in your area, your claim history, and your credit score. In the graph below, you can see the average cost of Nationwide homeowners insurance compared to the national average of homeowners insurance. The graph is split into two categories: a home worth $200,000 and a home worth $400,000.

The average Nationwide homeowners insurance rates for both home profiles are lower than the national average of homeowners insurance. Please note that these are average homeowners insurance rates based on specific profiles and your rate could be higher or lower based on your unique characteristics that affect homeowners insurance rates.

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What discounts does Nationwide offer?

Nationwide believes that customers should not have to break the bank in order to receive dependable insurance. That's why Nationwide offers various discounts on auto, homeowners, motorcycle and boat insurance to help customers save.

Nationwide auto insurance discounts:

  • Multi-Policy Discounts: Nationwide offers discounts of up to 20 percent when you bundle your home, auto, life, or other insurance policies.
  • Nationwide Family Plan: Nationwide customers can save up to 25 percent when additional members of their family sign up for Nationwide insurance plans.
  • Accident Free Discount: Discounts are available to Nationwide customers who are free from at-fault accidents or major violations for five or more years.
  • Paperless Documents: Customers who agree to receive paperless documents will get a discount on their Nationwide auto policy.
  • Good Student Discount: Students who earn a B average or above are eligible for a discount from Nationwide.
  • Anti-Theft Discount: If you have a vehicle with an anti-theft device, you will receive a discount from Nationwide.
  • EasyPay Discount: Nationwide customers who pay their bills through Nationwide's EasyPay electronic funds transfer system can earn a discount.

Nationwide homeowners insurance discounts:

  • Multi-Policy Discount: Customers can save on homeowners or renters insurance if they also use Nationwide for auto insurance.
  • Protective Device Discount: Nationwide customers who have smoke detectors, fire alarms, burglar alarms, and other qualifying devices can earn discounts.
  • Claims-Free Discounts: By staying claims-free, Nationwide customers can qualify for a lower premium on their insurance policy.
  • Home Renovation Credit: Nationwide customers are eligible for a discount when they renovate their home's plumbing, heating, cooling or electrical systems.
  • Roof Rating: Nationwide offers discounts based on your roof’s age and surface type.
  • Home Purchase Discount: Nationwide customers who purchased their home within the last 12 months are eligible for a discount.
  • Prior Insurance Discount: New Nationwide customers can receive a discount depending on the number of years they were continuously insured by a previous carrier.
  • Gated Community Discount: Nationwide offers discounts to customers who live in a community where vehicle entrances are protected at all times.

Nationwide motorcycle insurance discounts:

  • Multi-Policy Discount: You can receive a discount on motorcycle insurance when you also have home, life or auto insurance with Nationwide.
  • Multi-Vehicle Discount: You can save money on motorcycle insurance when you insure two or more automobiles, boats, ATVs, snowmobiles or scooters with Nationwide.
  • Motorcycle Safety Course Discount: Nationwide offers a discount when customers complete an approved safety course.
  • Theft-Recovery Device Discount: Nationwide offers a discount if your motorcycle has a professionally installed radio or GPS theft-recovery system.
  • Paid In Full Discount: Customers receive a discount for paying their entire Nationwide policy premium in full.
  • Homeowner Discount: If you own a home, condo, townhouse or mobile home, you are eligible for a discount on your motorcycle coverage with Nationwide.
  • Anti-Lock Brake Discount: Nationwide offers a discount if your motorcycle has a factory-installed Anti-Lock Braking System.

Nationwide boat insurance discounts:

  • Multi-Policy Discount: You can receive a discount on boat insurance when you also have auto, motorcycle, RV, home, commercial or farm insurance with Nationwide.
  • Boater Safety Course Discount: Nationwide customers who are 21 or older and complete an approved water safety course may be eligible for a discount on their boat insurance.
  • Multi-Boat Discount: Discounts may be available if you insure more than one boat on the same Nationwide policy.
  • Diesel Fuel Discount: You can receive a discount on your Nationwide policy if you buy a boat powered by diesel fuel.
  • Paid In Full Discount: Nationwide policyholders who pay their 12-month premium in full will receive a discount on their boat insurance.
  • Claim-Free Renewal Discount: Customers who are claim-free in the preceding policy term are eligible for a discount from Nationwide.
  • Package Discounts: Nationwide offers a variety of package discounts for different types of boaters. The company says that whether you're a weekend boater, overnighter, light tackle angler or deep water pro, you can expect to save thousands with Nationwide.

What coverages does Nationwide offer?

Nationwide offers all the standard car insurance coverages but also offers many optional coverages you can add to your Nationwide auto insurance policy. These specialty add-on coverages can give you more protection for your and offer you added benefits and features. Below are optional coverages and features you can add to your Nationwide car insurance policy.

Towing and Labor Coverage: Nationwide’s towing and labor coverage can help you if you need a tow after an accident or if your car is broken down.

Roadside Assistance: Nationwide's roadside assistance program is available 24/7 to help you in emergency situations, such as if you run out of gas, get a flat tire, or need a jumpstart or a tow.

Rental Car Coverage: Nationwide offers rental car expense coverage that helps pay for the cost of a rental car or other transportation if your car is damaged in a covered loss and needs to be repaired.

Gap Insurance: Nationwide offers gap insurance as an add-on coverage to car insurance. Gap insurance covers the difference between the actual cash value of your car and what you owe on the lease or loan of your car if your car is totaled in an accident.

Accident Forgiveness: Nationwide offers accident forgiveness that can help you avoid a car insurance rate increase after your first at-fault accident or minor violation.

Vanishing Deductible: Nationwide’s vanishing deductible feature allows you to earn $100 off your deductible for each year of safe driving. You can earn up to $500 off your deductible.

Total Loss Deductible Waiver: This coverage from Nationwide waives your comprehensive or collision deductible if your car is deemed a total loss in an incident.

In addition to the basic homeowners insurance coverage, Nationwide offers optional coverages that you can add to your Nationwide homeowners insurance to receive additional and extended coverage. Nationwide's optional coverages include:

Identity Theft: Identity theft insurance protection from Nationwide helps keep your personal data secure.

Valuables Plus: Do you have high-value items like jewelry, antiques or fine art? Nationwide's Valuable Plus endorsement offers coverage for your valuable items.

Replacement Cost Plus: Nationwide’s replacement cost plus add-on extends your property coverage up to 20 percent of your limit if your home needs to be rebuilt after a loss.

Water Backup: Sometimes your home can experience water damage because of water back up through your drains or sewer or if your sump pump overflows. Nationwide's water backup coverage covers water damage in these instances.

Earthquake: Nationwide offers earthquake insurance that you can add to your Nationwide homeowners insurance policy. Nationwide's earthquake insurance coverage has a separate deductible.

Flood Insurance: Nationwide offers flood insurance as a separate policy rather than an endorsement on your homeowners insurance policy. Nationwide flood insurance protects your home and its contents from water damage caused by severe weather.

Nationwide sells car and motorcycle insurance in 49 states and Washington, D.C., homeowners insurance in 48 states and Washington, D.C. and renters insurance in 42 states and Washington, D.C.

Below is a list of other insurance products offered by Nationwide:

Nationwide FAQs

What is Nationwide affinity?

Organizations can become Nationwide affinity partners. All organization members have access to Nationwide insurance and financial product plans with an affinity discount.

How do I file a claim with Nationwide Insurance?

You can file a Nationwide insurance claim online by logging into your account, by calling the Nationwide Claims department at 1-800-421-3535, or by talking to your insurance agent.

What does Nationwide roadside assistance cover?

Nationwide's roadside assistance program offers 24-hour emergency services and lockout services. Nationwide roadside assistance covers towing, a jump start, gas delivery, a flat tire change, winching and lock-out services if your key is lost, broken in the ignition or door or if your keys are locked in your car. There are two levels offered: Nationwide Roadside Assistance Basic and Nationwide Roadside Assistance Plus. The basic plan offers car towing up to 15 miles, ditch extraction service (with restrictions), gas delivery when your tank is empty (with restrictions), dead battery jumpstart, lockout services up to $100, and tire change of a flat tire with your spare tire. The plus plan offers extra towing miles and trip interruption coverage in addition to all coverage offered by the basic plan. Both plans apply to everyone in your household in any car you might be in.

Do you want to know more about Nationwide Insurance?

Nationwide's website is a great place to learn more about the company's offerings, make a payment, manage policies, file a claim, and view insurance documents.

Nationwide's mobile app also allows you direct access to everything Nationwide has to offer. With Nationwide's mobile app you can pay your bills, view your insurance card, manage your policies and begin an auto claim.

SmartRide is Nationwide's program to reward safe driving. Nationwide customers install the SmartRide device in their vehicle and drive normally. Based on miles driven, hard braking, fast acceleration and nighttime driving, users can earn discounts. Nationwide allows users to track their progress towards discounts online, and also offers personalized feedback to drivers. Nationwide will then lock in the customer's final discount to be applied at the next policy renewal.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, "What is the best coverage plan for me/my family/my situation?" "What are the minimum coverage requirements in my state and what form of coverage do you recommend?" "Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?" and "What is the average rate of insurance quotes you guys offer?"

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It's simple, just plug in your zip code and we'll do the rest!

What states does Nationwide do business in?

Nationwide sells car and motorcycle insurance in 49 states and Washington, D.C., homeowners insurance in 48 states and Washington, D.C., renters insurance in 44 states and Washington, D.C. and life insurance in 50 states and Washington, D.C.. See the state Nationwide sells in below and click the link to see how Nationwide compares to the other top companies in that state.

Brad Paisley on guitar and Peyton Manning reading music lyrics - The Jingle Sessions: Nationwide is On Your Side