Nationwide Car Insurance Review for 2024 [Trustworthy Evaluation]

Our Nationwide car insurance review highlights why this insurer excels with its flexible coverage options and customer-focused programs.

This review compares the different types of car insurance coverage Nationwide Mutual Insurance Company brings to policyholders. Nationwide’s SmartRide and accident forgiveness features give drivers tailored savings and protection, setting it apart from competitors.

Nationwide Car Insurance Rating

Rating Criteria
Overall Score	4.5
Business Reviews	4.5
Claim Processing	3.5
Company Reputation	4.5
Coverage Availability	5.0
Coverage Value	4.3
Customer Satisfaction	4.0
Digital Experience	4.5
Discounts Available	5.0
Insurance Cost	4.4
Plan Personalization	4.5
Policy Options	4.7
Savings Potential	4.6

Whether for individual or business needs, Nationwide continues to be a top choice for comprehensive insurance solutions.

Find the best comprehensive car insurance quotes by entering your ZIP code above into our free comparison tool today.

How Age and Gender Affect Nationwide Car Insurance Rates

Nationwide auto insurance rates vary based on age, gender, and coverage level. Here is a breakdown of minimum and full coverage costs for drivers at different ages:

Nationwide Car Insurance Monthly Rates by Age, Gender, & Coverage Level

Rates tend to be significantly higher for younger drivers, particularly for males. However, as drivers age, the rates decrease, with a 30-year-old female paying just $48 for minimum coverage. Full coverage rates follow a similar trend, with older drivers benefiting from lower premiums.

Overall, Nationwide insurance company pricing rewards more experienced drivers with reduced rates, offering affordability as drivers gain more experience behind the wheel. However, drivers with accidents or tickets can expect higher premiums, while a DUI results in the steepest cost increase.

A clean record offers the best rates, with $44 for minimum coverage compared to $90 for drivers with a DUI. Nationwide rewards safe driving but penalizes high-risk behavior with notably higher rates.

Read More: How much insurance do I need for my car?

Comparing Nationwide Car Insurance to Competitors

Nationwide consistently stands out among its rivals for providing affordable rates to experienced drivers. By comparing these rates with top competitors, drivers can find the best options tailored to their specific needs.

Nationwide Car Insurance Monthly Rates vs. Top Competitors by Age & Gender

Insurance Company	Age: 45 Female	Age: 45 Male
	$162	$160
	$115	$117
	$139	$139
	$80	$80
	$171	$174
	$113	$115
	$112	$105
	$86	$86
	$98	$99
	$59	$59

Nationwide offers competitive car insurance rates that fluctuate based on age, gender, and coverage level. Safe drivers with clean records typically benefit from lower premiums, while those with accidents or violations may see higher costs across providers. Find out which factors affect the price of car insurance.

Below is a table comparing high-risk insurance rates from multiple companies, giving a clearer picture of how much premiums can vary. Use this comparison to see if Nationwide auto insurance fits you best.

Nationwide Car Insurance Monthly Rates by Provider & Driving Record

Insurance Company	Clean Record	One Ticket	One Accident	One DUI
	$160	$188	$225	$270
	$117	$136	$176	$194
	$139	$173	$198	$193
	$80	$106	$132	$216
	$174	$212	$234	$313
	$115	$137	$161	$237
	$105	$140	$186	$140
	$86	$96	$102	$112
	$99	$134	$139	$206
	$59	$67	$78	$108

Nationwide tailors its pricing to account for driving behavior and is cheaper than Liberty Mutual and Progressive. However, drivers with a solid history can access the most competitive rates, while others may face surcharges due to risk factors.

How to Find the Right Nationwide Car Insurance Coverage

Nationwide offers various car insurance coverage options to suit different needs and preferences. Drivers can customize their coverage from essential liability protection to comprehensive policies based on individual circumstances and risks.

Nationwide Car Insurance Coverage Options

Is it bad to just carry minimum coverage car insurance? No, but Nationwide’s flexible coverage allows policyholders to adjust their plans as life changes, ensuring optimal protection. With specialized programs and add-ons, Nationwide provides peace of mind for all types of drivers.

Nationwide Driver-Based Discount Options

Wondering how to reduce the cost of car insurance? Nationwide offers a wide range of discounts designed to make auto insurance more affordable for various drivers.

Nationwide Car Insurance Discounts by Savings Potential

Discount
SmartRide Program (Usage-Based)	40%
Multi-Policy	20%
Good Student	15%
Accident-Free	10%
Auto Payment	10%
Pay-in-Full	10%
Safe Driver	10%
Anti-Theft Device	5%
Defensive Driving	5%
Paperless Billing	5%

From safe driving rewards to bundling discounts, Nationwide insurance discounts cater to different needs, ensuring drivers save based on their habits and circumstances.

Nationwide Car Insurance Ratings & Reviews

Nationwide Mutual Insurance Company ratings reflect the company’s strength in offering tailored coverage for various industries. With robust financial stability and extensive customization options, it consistently meets the needs of drivers seeking reliable coverage.

Nationwide Insurance Ratings & Consumer Reviews

Agency
	Score: 855 / 1,000 Above Avg. Satisfaction
	Score: A+ Excellent Business Practices
	Score: 75/100 Positive Customer Feedback
	Score: 0.78 Fewer Complaints
	Score: A+ Superior Financial Strength

Nationwide continues to earn top marks due to its commitment to flexible policies and customer-centric programs, making it a preferred choice for drivers.

From general liability to commercial auto insurance, its wide range of services ensures drivers are well protected at every level.

Read More: Safe Driving Tips on How to Keep Your Insurance and Car Safe

Nationwide Car Insurance Company Pros and Cons

Nationwide offers several benefits, making it a strong contender for drivers seeking flexibility and savings. Its emphasis on customizable policies and rewards for safe driving positions it as an attractive option.

• Comprehensive Coverage Options: Nationwide provides various plans and add-ons that let customers tailor their policies to specific needs.
• Accident Forgiveness and Affordable Rates: Safe drivers benefit from competitive pricing and accident forgiveness, keeping premiums lower even after a mishap.
• SmartRide Program Discounts: Nationwide car insurance with telematics rewards cautious drivers with personalized discounts, promoting safe behavior behind the wheel.
• User-Friendly Mobile App: Their robust app simplifies claims tracking and policy management, giving drivers convenient access to their insurance details.

These pros highlight Nationwide’s ability to cater to diverse driver needs, offering savings and convenience where it counts.

He’s Paintin’ Manning. He’s also *so much more* than a quarterback. #NWSoMuchMore #Nationwide pic.twitter.com/CC4Q3Zt9pl

— Nationwide (@Nationwide) September 5, 2024

While Nationwide boasts many strengths, customers have noted frustrations in a few areas. High-risk drivers and those seeking prompt service may encounter challenges.

• Extended Customer Service Wait Times: Some users have reported long delays when attempting to reach Nationwide’s customer support, which can cause frustration.
• Higher Premiums for High-Risk Drivers: Drivers with a history of accidents or violations find better rates with car insurance companies that only look back three years.
• Claims Processing Delays: There have been instances of complaints regarding delayed claims resolutions, causing inconvenience for policyholders.

While Nationwide offers value to many, these cons highlight areas where it could improve service speed and rate competitiveness for high-risk drivers.

Nationwide Car Insurance is Best for Safe Drivers

Nationwide Mutual Insurance Company delivers a well-rounded package with flexible coverage options, competitive pricing for safe drivers, and valuable usage-based discounts through the SmartRide program.

While the company stands out with its robust mobile app and customer-centric policies, our Nationwide car insurance review found some drawbacks, such as long wait times for customer service and higher rates for high-risk drivers. Learn things you do that raise your premiums.

Overall, Nationwide remains a solid choice for drivers looking for customizable insurance with added perks for maintaining a good driving record. Enter your ZIP code to see how it compares to providers in your neighborhood.