Nationwide Insurance is a good option for drivers who can afford it, as the company's car insurance rates are typically more expensive than average. Nationwide motorcycle insurance policies tend to be much more competitive with lower prices than most other providers.
Nationwide's customer service, however, is average, and drivers looking for cheap rates and good service may be best suited to look elsewhere.
Nationwide Insurance: Our Thoughts
Nationwide Insurance is one of the 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 typically more competitive. The insurer also tends to score well on customer reviews and user satisfaction.
Our research found that Nationwide's premiums are typically more expensive than average for auto insurance, but cheaper than average for motorcycle policies.
Nationwide averages $502 per every 6-months for a minimum coverage auto insurance policy, which is more expensive than the average among the four major insurers we looked at. Additionally, the company has a decent selection of car insurance coverages and discounts, especially those for buying multiple policies.
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.
Nationwide offers good customer service and the convenience you'd expect from a large national insurer, as 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, though Nationwide's decent customer service scores are slightly above average.
Motorcycle Insurance 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.
Nationwide Car Insurance Coverage, Quotes and Benefits
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/personal injury protection.
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.
Additional Nationwide coverages and features are listed below:
- Accident Forgiveness: This coverage can help 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: Waives the physical damage deductible in the event of a total loss.
- Gap Coverage: If your car is a total loss, 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 stuck, broken down or inoperable due to an accident. .
- Rental Car/Transportation Expenses: This feature covers the cost of a rental car or other transportation expenses while your car is being repaired after an accident. It may also be referred to as loss of use coverage.
Note that some of these coverages are bundled with other more common options, while others must be purchased separately.
Highlighted Benefit: On Your Side
Nationwide' motto, "On Your Side", 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 phase of the repair process your car is in, and look at photos of your car in various stages of getting fixed.
The approximately ten steps are:
- Repair cost estimate
- Insurance approval
- Inner structure disassembly
- Auto parts ordering
- Frame / structural repair
- Exterior / metal paneling repair
Highlighted Benefit: SmartMiles
The company also 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, usually 4-10 cents per mile.
Nationwide Auto Insurance Quote Comparison
Nationwide's car insurance quotes were more expensive than average compared to rates from other major insurers. State Farm and GECIO, for example, had cheaper insurance policies than Nationwide, while Allstate's were more costly.
This trend was consistent across all three coverage types tested, including a minimum coverage policy, full coverage policy, and a full coverage policy with a prior accident record. Nationwide's 6-month quote for a minimum coverage policy was $502 and $1,147 for a full coverage policy.
The full list of Nationwide 6-month quotes relative to competitors are listed below. We always recommend drivers compare rates in order to find the best savings.
|Policy type||State Farm||GEICO||Nationwide||Allstate|
|Full coverage, prior accident||$1,038||$1,570||$1,566||$2,680|
Nationwide Car Insurance Discounts
To lower their cost of auto insurance, many drivers may qualify for one of Nationwide's discounts, which are consistent with other large national insurers.
Nationwide policy holders can get the following discounts:
|Discount||Amount (Up to %)|
|Accident-free (five years)||10%|
|Good student (Grade: B or above)||15%|
|Farm Bureau membership||10%|
|Anti-theft device installation||5%|
|Paperless billing and electronic funds transfer||$30 off|
|Partner business or organization membership||10%|
|Smart Ride (Usage-based insurance)||10%|
Some discounts may only be available in some states.
Nationwide Motorcycle Insurance Coverage, Quotes and Discounts
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)
How much is motorcycle insurance from Nationwide?
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.
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.
Nationwide motorcycle insurance discounts
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 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.
|NAIC Complaint Index (2019, Nationwide Mutual)||0.43|
|J.D. Power||3/5 for claims satisfaction, 2/5 for shopping experience|
|A.M. Best Financial Strength Rating (2020)||A+|
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.
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.
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:
- New Hampshire
- New Jersey*
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- Washington, D.C.*
- West Virginia
*These states do not offer motorcycle insurance