Nationwide Insurance Review: Expensive rates for drivers, but better prices for motorcycle coverage

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Nationwide auto insurance review: "On Your Side" philosophy

Nationwide Insurance has a motto called "On Your Side" that influences how auto insurance claims are handled, and policies and premiums are determined. For example, repairs to an insured car done through their network of auto body shops come with written guarantees. With their AutoWatch feature, you can keep tabs on the repair process in detail by learning about which of the ten steps of the repair process it's in, and looking at photos of your car in various stages of getting fixed. The ten steps are: repair cost estimate, insurance approval, inner structure disassembly, auto parts ordering, frame / structural repair, exterior / metal paneling repair, reassembly, detailing, to finally, delivery.

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The company also recommends getting an annual checkup of insureds' policies to see that policyholders understand their Nationwide Auto Insurance benefits and declarations, as well as new discounts or changes to keep premiums level and coverage adequate. This consultation is called their "On Your Side" Review.

Nationwide auto insurance premium comparison

From sample premiums obtained in California, Nationwide ranked on the more expensive end of auto insurance for two demographics we reviewed: married couples and seniors. For example, the average premium for married couples quoted by Nationwide was $1,684 compared to a state average of $1,156 - almost 46% more than the state average. That sample premium ranks Nationwide 4th most expensive among the largest insurers in California. With Nationwide, senior citizen drivers are paying $963 compared to a state average of $889.

Mixed reviews of customer service and agents

While its complaint index is lower than the national average, the customers reviewed that communication with Nationwide auto insurance agents and customer service representatives was poor. Some customers reported that representatives provided inconsistent answers to questions about car insurance policies, or records were updated in an uncoordinated manner. Others have claimed that when it comes to handling claims, adjusters and other claims personnel don't return calls in a timely manner. In the 2013 J.D. Power & Associates Auto Insurance Study, Nationwide ranked "Average" at best in the regional categories, and even below average in the state of New York.

Auto insurance discounts

Discount Type

Amount (Up to %)

Multipolicy discount

25%
Family plan25%
Accident-free (five years)10%
Good student (Grade: B or above)15%
Farm Bureau membership10%
Defensive driving10%
Anti-theft device installation5%
Paperless billing and electronic funds transfer$30 off
Partner business or organization membership10%

Nationwide motorcycle insurance review

Nationwide offers affordable motorcycle insurance with good customer service and the convenience you'd expect from a large national insurer. You can buy a policy and manage your coverage online, though it's lacking in coverages you might find at an insurance company that specializes in motorcycle insurance.

Nationwide averages $564 per year for motorcycle insurance, which is 10% cheaper than the average among the four major insurers we looked at. They have a decent selection of motorcycle insurance discounts, especially those for buying multiple policies for motorcycle insurance.

Motorcycle coverage options at Nationwide are on the meager side, though. While you can choose from some extras, including protection for custom equipment and OEM parts, you can't get replacement-cost coverage or rental reimbursement.

Bottom line: Nationwide is worth a look for motorcycle insurance, especially if you already have an auto or homeowners insurance policy from it. But you'll need to look elsewhere for niche coverage options.

How much is motorcycle insurance from Nationwide?

We found that the average cost of motorcycle insurance from Nationwide is below-average, though not the cheapest. Across the 38 states we surveyed, Nationwide's average cost was $564 per year. That's 10% cheaper than the typical insurer we looked at. However, Nationwide's prices weren't the most affordable we found; GEICO's rates were just $468 per year.

Bar graph comparing the cost of motorcycle insurance from Nationwide with competitors
Bar graph comparing the cost of motorcycle insurance from Nationwide with competitors
InsurerAverage cost
Nationwide$564
GEICO$471
Average$629
Progressive$719
Dairyland$764

All quotes were for a 45-year-old male rider of a 2019 Harley-Davidson FLHX Street Glide. Our rider was a married homeowner who has been riding motorcycles for 20 years. Other riders' rates may vary.

Discounts from Nationwide motorcycle insurance

Nationwide has a few notable discounts that can help bring your rates down even more, though they're not anything out of the ordinary for a major insurer. Discount options include:

  • Multipolicy/multivehcle discount
  • Homeowner discount
  • Safety course discount
  • Theft recovery discount
  • Riding association/affinity group discount
  • Pay-in-full discount

Nationwide motorcycle coverage options

Nationwide's motorcycle insurance coverage options are on the scant side. 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 go with a company that focuses on motorcycle and nonstandard vehicle coverage, like Dairyland insurance.

Coverage options available from Nationwide include:

  • Roadside assistance
  • Custom equipment
  • OEM parts
  • Disappearing deductible ($100 per year)

Where does Nationwide offer motorcycle insurance?

Nationwide offers motorcycle insurance in most, but not all, states across the country. Coverage is available in all of the following locations:

  • Alabama*
  • Arizona
  • Arkansas
  • California*
  • Colorado
  • Connecticut
  • Delaware
  • Florida*
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Maine
  • Maryland
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New York
  • North Carolina*
  • North Dakota
  • Ohio
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina*
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

*These states were excluded from our national price analysis.

Nationwide customer service ratings

Nationwide has positive-to-mixed customer service reviews for auto and motorcycle insurance. According to the National Association of Insurance Commissioners, it receives fewer complaints than a typical insurer, given its size. However, J.D. Power gave it a 2/5 for insurance shopping experience, and 3/5 for claims satisfaction, suggesting they were less-than-impressed with its service.

These ratings all encompass both auto and motorcycle insurance, with a heavier weight toward the former.

Metric

Rating
NAIC Complaint Index (2019, Nationwide Mutual)0.43
J.D. Power3/5 for claims satisfaction, 2/5 for shopping experience
A.M. Best Financial Strength Rating (2020)A+

How to file a claim

You can report an accident and file a claim with Nationwide via its website, mobile app or through the Nationwide Claim Center phone number below.

Telephone number: (800) 421-3535

Nationwide's claim center is voice-activated, so you can speak and say "Automobile Claims," or just press 0 and 0 again to speak to a representative.

Matt is a Technical Writer at ValuePenguin who works on distilling the complex details of insurance into accessible advice. He previously created educational content at Grovo Learning and MarketSmiths Content Strategists. Matt's consumer-focused analysis of insurance has appeared in publications like CNBC, Yahoo Finance and the Miami Herald.

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.

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