Nationwide Auto, Home and Motorcycle Insurance Review
Nationwide Auto, Home and Motorcycle Insurance Review
Nationwide insurance is a good option for those who can afford it. The company's car insurance rates are typically more expensive than average, and home insurance rates are slightly above average. However, both types of insurance offer a variety of discounts to help lower premiums. Nationwide motorcycle insurance policies tend to be much more competitive with lower prices than most other providers.
Nationwide's customer service is well-rated, and its home and auto insurance policies offer a number of optional coverages, making it a great choice for those who value customization or have unique needs.
Nationwide insurance: Our thoughts
Nationwide is one of the 10 largest insurance companies operating in the U.S. Nationwide's auto insurance rates tend to be more expensive than average, though its motorcycle policies are cheaper than those of its competitors. Homeowners insurance rates are slightly above average. Nationwide also scores well on customer reviews and user satisfaction.
Nationwide rates average $1,555 a year for a full coverage auto insurance policy, which is more expensive than two of the three other major insurers we looked at. The company has a good selection of car insurance coverages and discounts, including a discount for buying multiple policies.
Motorcycle rates with Nationwide are the cheapest of the six insurers we studied at $593 a year. Coverage options are limited, though. While you can choose from some extras, including protection for custom equipment and original equipment manufacturer (OEM) parts, Nationwide doesn't offer replacement-cost coverage or rental reimbursement.
Homeowners insurance with Nationwide is more expensive than one of the three competitors we analyzed, with an average annual rate of $920 per year. The company has a wide range of beneficial coverage options, along with a number of discounts that can help lower premiums.
Nationwide offers quality customer service and the convenience you'd expect from a large national insurer. Plus, you can buy a policy and manage your coverage online.
Auto insurance bottom line: Drivers looking for the cheapest rate may be served best elsewhere. Nationwide offers more competitive rates for full coverage policies, and above-average customer service scores are an added benefit.
Motorcycle insurance bottom line: Nationwide is worth a look for motorcycle insurance, especially for riders on a budget. However, daily drivers should look elsewhere for policies that offer rental car reimbursement, along with other niche coverages.
Homeowners insurance bottom line: Nationwide offers good rates for homeowners insurance. However, it is less competitive for higher-priced homes. Its wide range of coverage options and quality customer service make Nationwide a worthwhile option to consider.
Nationwide auto insurance
Nationwide auto insurance quote comparison
Nationwide's car insurance quotes are more expensive than average compared to rates from other major insurers. State Farm and Geico have cheaper rates, on average, than Nationwide, while Allstate's are more costly. However, Allstate's minimum coverage policy is less expensive than Nationwide's.
Nationwide charges $556 a year for minimum coverage and $1,555 for a full coverage policy.
Find the Cheapest Car Insurance Quotes in Your Area
The full list of Nationwide annual quotes relative to competitors is below. We always recommend drivers compare rates in order to find the best savings.
Speeding ticket rates are based on a full-coverage policy
Nationwide car insurance discounts
To lower their cost of auto insurance, many drivers may qualify for some of Nationwide's discounts. The company's selection is similar to those of other large national insurers.
Nationwide policyholders can get the following discounts:
- Accident-free discount
- Anti-theft device discount
- Defensive driving discount
- EasyPay automatic payments discount
- Good student discount
- Multipolicy discount
- Paperless billing discount
- Safe driver discount
- SmartMiles pay-per-mile program
- SmartRide (usage-based insurance) discount
Some discounts may not be available in all states.
Nationwide auto insurance coverages
Nationwide offers a variety of coverages and benefits to its policyholders. The company offers all of the most common car insurance coverages, including liability, collision, comprehensive, uninsured/underinsured motorist and medical payments (MedPay)/personal injury protection (PIP).
Nationwide also offers drivers the following optional coverages and features:
- Accident forgiveness: This coverage can help you avoid a rate increase after your first at-fault accident or a minor violation of your policy.
- Vanishing deductible: For every year of safe driving, you could earn $100 off your deductible, up to $500.
- Total loss deductible waiver: This waives the physical damage deductible in the event of a total loss.
- Gap coverage: If your car is totaled in an accident, gap coverage pays the difference between your vehicle's replacement cost and what you have left on your lease or loan.
- Roadside assistance: Nationwide's roadside assistance coverage helps when your car is inoperable due to an accident, getting stuck or breaking down.
- Rental car/transportation reimbursement: This feature covers the cost of a rental car or other transportation expenses while your car is being repaired after an accident.
Highlighted benefit: On Your Side
Nationwide's motto, "On Your Side," influences how auto insurance claims are handled, as well as the company's customer service standards.
For example, repairs to an insured car done at an On Your Side Auto Repair Center include a workmanship guarantee for as long as you own the vehicle.
Nationwide also recommends an annual policy checkup — called an On Your Side Review — to make sure that policyholders understand their benefits, have appropriate coverage based on any life changes and identify any new discounts.
Highlighted benefit: SmartMiles
Nationwide offers a pay-per-mile car insurance program that charges a monthly rate based on how much you drive. Monthly rates are calculated based on a base rate, determined by your driver profile and record, plus a per-mile rate.
Nationwide auto and motorcycle insurance availability
Nationwide offers auto and motorcycle insurance in most, but not all, states across the country. Coverage is available in all of the following locations:
*States in bold do not offer motorcycle insurance.
Nationwide motorcycle insurance
How much is motorcycle insurance from Nationwide?
Nationwide's motorcycle insurance is the cheapest we found at an average cost of $593 per year. However, motorcycle insurance from Nationwide is only available in 43 states.
Average annual cost
Nationwide motorcycle insurance discounts
Nationwide has a number of discounts that can help bring your rates down even more, though they're not notably different from what you would find with most major insurers. Discount options include:
- Multipolicy discount
- Multivehicle discount
- Homeowner discount
- Safety course discount
- Theft recovery discount
- Riding association/affinity group discount
- Pay-in-full discount
- Anti-lock brakes discount
Nationwide motorcycle coverage options
Nationwide's motorcycle insurance coverage options are limited. If you don't have particularly specialized insurance needs, Nationwide's choices may be enough.
However, if you need more protection, you might need to choose a company that focuses on motorcycle and nonstandard vehicle coverage, like Markel.
Aside from basic motorcycle insurance coverages, Nationwide offers riders:
- Roadside assistance
- Custom equipment
- OEM parts
- Vanishing deductible ($100 per year)
Nationwide homeowners insurance
Nationwide home insurance quote comparison
Nationwide's homeowners insurance rates are slightly higher than average premiums. Rates are only 7% above average, but the cheapest insurer, Allstate, is an average of $256 less a year for all dwelling coverage limits considered.
Find Cheap Homeowners Insurance Quotes in Your Area
Home insurance quotes by dwelling coverage amount
Insurance rates can vary drastically by region and property, so the best way to ensure you get the cheapest rates is to gather at least three quotes and compare prices.
Nationwide homeowners insurance discounts
Nationwide provides policyholders with a number of ways to lower home insurance costs. Discounts include:
- Multipolicy discount
- Protective device discount for installing smoke detectors, fire alarms or burglar alarms
- Claims-free discount
- Home renovation credit after upgrading heating, cooling, plumbing or electrical systems
- Roof rating discount based on the building material and age of your roof
- Home purchase discount if you purchased your home within the last 12 months
- Prior insurance based on the number of years you were insured with your previous carrier
- Gated community discount if vehicle entrances to your community are protected by key-lock devices, residence cards or security guards
Nationwide smart home discount
You can also earn a discount for installing a Notion smart home monitoring system. Nationwide policyholders can purchase a Notion smart home starter kit for $75 or $100 — a discount of nearly 50%. Notion sensors monitor temperature changes, smoke, carbon monoxide levels, water leaks and the opening and closing of doors and windows.
In addition, you'll receive a discount on your home insurance, which can save you an average of $50 per year.
Nationwide's smart home discount is currently available in 12 states and Washington, D.C.
Nationwide home insurance coverage
Nationwide offers all the basic homeowners insurance coverages you'd expect from an insurer, such as personal liability, medical payments and dwelling coverages.
It also offers a few harder-to-find coverages and add-ons, like better roof replacement, identity theft coverage and replacement cost plus.
What it covers
Included or optional?
|Brand new belongings||Upgrades your contents coverage to replacement cost so that you can fix any damaged items or replace them with newer ones||Optional|
|Better roof replacement||Rebuilds your roof with stronger, safer materials after a covered loss||Optional|
|Identity theft||Protects personal data from cybercrimes and other risks||Optional|
|Valuables plus||Additional coverage for high-value items like fine art, jewelry and antiques||Optional|
|Replacement cost plus||Covers your home for up to an additional 20% of the dwelling value if it needs to be rebuilt after a loss||Optional|
Nationwide homeowners insurance availability
Nationwide offers homeowners insurance in 43 states and Washington, D.C.
- District of Columbia
Nationwide customer service ratings
Nationwide has positive customer service reviews for auto, home and motorcycle insurance.
According to the National Association of Insurance Commissioners (NAIC) complaint index, Nationwide scored 0.61 for auto and motorcycle insurance and 0.66 for homeowners insurance. The score measures the number of complaints a company receives in relation to the size of its customer base.
Nationwide's low scores mean that it receives fewer complaints than a typical insurer.
Customer complaints centered around delays in the claims process and unsatisfactory settlement offers.
On the other hand, J.D. Power gave Nationwide below-average customer satisfaction scores — 786 for auto and motorcycle coverage and 808 for home. This suggests that customers were less than impressed with its service.
Nationwide received an A+ financial strength rating from AM Best, which means that the company should have enough funds to pay out insurance claims, even in difficult economic times.
You can report an accident and file a claim with Nationwide via its website, through the mobile app or through the Nationwide claims department phone number below.
Auto insurance claims phone number: 800-421-3535
For customer service, contact Nationwide at 877-669-6877.
Frequently asked questions
Is Nationwide a dependable insurance company?
Yes. Nationwide has an impressively low NAIC complaint index, meaning that its customers were less likely to complain about service than customers of an average insurer of the same size. Nationwide also has an A+ AM Best financial strength rating, indicating it is on strong financial footing.
Is Nationwide cheap?
Nationwide's rates tend to be about average among major auto and home insurance companies. It's not likely to have the best price, but it also won't have the worst. However, we found its motorcycle insurance to be the cheapest in the country.
Who owns Nationwide?
Nationwide is a mutual insurance company, meaning it is owned by the people who carry Nationwide insurance policies.
To compare the costs of Nationwide's auto, motorcycle and homeowners policies, we used sample profiles based on typical customers. To review auto insurance rates, we compiled quotes for a 30-year-old male living in Pennsylvania operating a 2015 Honda Civic EX based on the following coverage levels:
|Bodily injury liability||$15,000/$30,000||$50,000/$100,000|
|Property damage liability||$5,000||$25,000|
|Uninsured/underinsured motorist property damage||not included||$50,000/$100,000|
|Comprehensive deductible||not included||$500|
|Collision deductible||not included||$500|
The rates with a speeding ticket were quoted using the full coverage amounts above plus a traffic violation for 6-10 miles per hour over the speed limit.
To review home insurance rates, we collected quotes for $150,000, $250,000 and $350,000 of dwelling coverage. Our sample policyholder was a 45-year-old married man living in Pennsylvania with no prior claims, living in a home built in 1977 with the following coverage:
To review motorcycle insurance rates, we compiled quotes for a 45-year-old man riding a 2021 Harley-Davidson Street Glide with the following coverage:
|Bodily injury liability||$100,000/$300,000|
|Property damage liability||$50,000|
Quadrant Information Services supplied the rate data in this analysis. Rates were publicly sourced from insurer filings and are intended for comparative purposes only. Your own quotes could differ.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.