Car Insurance

Nationwide Auto Insurance Reviews And Ratings

Updated on
nationwide
Nationwide Ratings
Overall Rating
Claims Processing
Customer Service
Value for Price
Website & Apps
Customers who recommend 82%
Who Plan to Renew 93%
AM Best Financial Strength Ratings A+

About Nationwide Car Insurance Company

Customer service: 877-669-6877
Claims: 800-421-3535
Corporate HeadquartersOne Nationwide Plaza
Columbus, OH 43215

Best Auto Insurance Companies 2021: How Nationwide Auto Insurance Compares

Nationwide earned an overall InsureScore of three and a half out of five stars in our annual review of Best Auto Insurance Companies. They got a three and a half out of five-stars across the board in customer service, claims, price and website app.

When we asked Nationwide customers if they would recommend the company to others, 82% said yes and 93% said they planned to renew their plan.

In the 2020 J.D. Power Auto Insurance study, Nationwide earned a score of 876 out of 1,000, which is slightly higher than the industry average of 872 for auto insurance claims. However, they got below-average scores in overall customer satisfaction.

Gauging an insurance company

Before buying with a company it is wise to check on a company’s financial strength and complaint record. The A.M. Best rating listed above gives you an idea of Nationwide’s financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median.

Company Background

Roots in farming

Since its beginning providing policies to farmers in 1925, Nationwide has grown to become the 8th largest auto insurance carrier in the nation, writing auto coverage in all states except Alaska, Hawaii, Louisiana and Massachusetts. The famous “Nationwide is on your side” marketing slogan has been in use since 1966.

Nationwide has grown to offer far more than insurance. In 1997, Nationwide Financial went public and has grown to become a Fortune 100 company offering retirement plans, mutual funds and annuities.


Consider Nationwide for families or personal assessments

Under the Nationwide Family Plan, anyone living with you can receive the same discounts and benefits you’re entitled to. Parents, children, aunts, cousins – anyone who lives under your roof can enjoy the same insurance discounts you do, such as multi-car and multi-policy discounts. Teen drivers are still eligible for their own discount such as Good Student.

Nationwide’s On Your Side review is a personal assessment of your insurance needs with an agent. The agents can help you better understand your current coverage and help you understand how various life changes will change your coverage needs.

As a member, Nationwide will complete a free personal assessment annually – or any time you have a major life event, such as a wedding or buying a home. By completing an On Your Side review, agents are better equipped with the knowledge about your life to help find discounts for which you might be eligible.

Nationwide Car Insurance Coverages

  • Auto
  • Pay-as-you-drive plan
  • Motorcycle
  • Scooter
  • Classic car
  • Boat/Personal water craft
  • RV
  • ATV/Snowmobile

Nationwide Car Insurance Additional Policies

  • Homeowners
  • Renters
  • Condominium
  • Flood
  • Umbrella liability
  • Life
  • Farm
  • Wedding
  • Dental
  • Legal

How likely customers would recommend this company?

48% I would definitely recommend this company
34% I would probably recommend this company
16% Neutral
2% I would probably not recommend this company
0% I would not recommend this company

Reasons for Buying

Customers of Nationwide originally decided to purchase from the company for these reasons:
  • 29% Offered best price
  • 19% Reputation
  • 15% Recommended by friend or family member
  • 9% Saw TV commercial
  • 8% I had other insurance with this company
  • 7% Financial strength rating
  • 6% Was the company my parents had
  • 5% Saw online ad
  • 2% The company website and mobile apps are easy to use and helpful

Would you renew?

  • 93% Yes
  • 7% No

Ratings on Website & Apps

  • Completely satisfied / Outstanding website & apps that give me what I need and more 38%
  • Fairly satisfied / Fulfills my needs OK 27%
  • Average website and apps 18%
  • Very unsatisfied / digital offering is severely lacking 10%
  • Unsatisfied / website and/or apps are not fulfilling my needs 4%

How do you prefer to deal with insurer and policy?

  • In person 36%
  • Phone 21%
  • Email 12%
  • Interactive website 14%
  • Mobile App 17%

Customer Complaint Ratio

info

The complaint data is gathered from the NAIC Complaint Index, which collects complaint information from state insurance regulators and then compares a company’s performance to other companies in the same insurance market. The national average is always calculated to be 1.00; those above 1.00 are worse than the national average and those below are better (have less complaints) than the national average. Read more at the NAIC website.

Note: Many companies have a variety of subsidiaries listed with the NAIC, the one rated here may be different than the one that writes your policy. Check with your company/agent for specific information.

Nationwide’s customer complaint ratio for Private Passenger Auto insurance is 0.46
Coverage Options
Usage-based/Telematics Icon
Usage-based/Telematics
Rates can be based on your mileage and how you drive.
Accident forgiveness Icon
Accident forgiveness
Your rates won"t increase after your first accident.
Vanishing deductible Icon
Vanishing deductible
Your deductible will be reduced as long as you have no accidents or moving violations.
New car replacement Icon
New car replacement
If you total your car the insurer will pay for a new car.
Mobile app Icon
Mobile app
The insurer offers an app for smartphones.
Discounts
Multi-policy Icon
Multi-policy
Discount for more than one type of policy with the same insurance provider.
Multi-vehicle Icon
Multi-vehicle
Discount for two or more vehicles on the same car insurance policy.
Driver training/Defensive driving Icon
Driver training/Defensive driving
Discount for an approved defensive driving or driver improvement class.
Academic achievement Icon
Academic achievement
Discount for full-time students who meet certain academic criteria.
Passive -restraint (air bag) Icon
Passive -restraint (air bag)
Discount for factory-installed safety devices such as an air bag.
Safe driver/clean driving record/good driver Icon
Safe driver/clean driving record/good driver
Discount for no accidents or traffic violations, usually for three or five years.

In which states is Nationwide available?

Customer Reviews

Our survey asked policyholders to share experiences or give feedback that they would like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:

Customer Reviews

132 Reviews. 3.5 Stars out of 5
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