Nationwide Auto Insurance Ratings
Product
Auto
Overall
82.95
out of 100
| Product |
HOW WE WEIGH OUR SCORE
Price
35%
Customer service
25%
Claims
20%
Website and app
10%
Renew/Recommend
10% | Claims Processing | Customer Service | Value for Price | Website and Apps | % Who Would Recommend to a Friend | % Who Plan to Renew | WHAT IS THIS RATING? A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations. A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company. October 31, 2019 |
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AM Best Financial Strength RatingsOctober 31, 2019
A+
Other Companies to Consider:
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Reasons for Buying from Nationwide
Customers of Nationwide originally decided to purchase from the company for these reasons:
| Recommended by friend or family member | 27% |
| Offered best price | 24% |
| Was the company my parents had | 13% |
| I had other insurance with this company | 12% |
| Reputation | 12% |
| Financial Strength rating | 4% |
| Saw TV commercial | 4% |
| Saw online ad | 3% |
| The company website and mobile apps are easy to use and helpful | 3% |
How likely are you to recommend this company to a friend, coworker or family member?
Would you renew?
Website and Apps
How easy to use and how helpful they are
39%
Satisfied - Fulfills my needs okay.
28%
Completely satisfied - Gives me what I want and more.
17%
Neutral - No good or bad feelings on this.
13%
Never visited or used website or mobile app.
2%
Not Satisfied - Is not a good website or app.
1%
Very unsatisfied - Their digital offerings are not good at all or nonexistent.
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About Nationwide
Types of auto coverage
- Auto
- Pay-as-you-drive plan
- Motorcycle
- Scooter
- Classic car
- Boat/Personal water craft
- RV
- ATV/Snowmobile
Additional policies offered
- Homeowners
- Renters
- Condominium
- Flood
- Umbrella liability
- Life
- Farm
- Wedding
- Dental
- Legal
Best Auto Insurance Companies 2020: How Nationwide Auto Insurance Compares
Nationwide’s overall score of 82.95 earned it the No. 15 spot in this year’s rankings of 20 companies. Nationwide did best in the customer service category, taking tenth place with a score of 86.33. For claims handling, Nationwide placed eleventh, with a score of 88.5. Customers found the value for price not as much to their liking with Nationwide getting a score of 76.12 and 19th place. Even with pricing getting a mid-range “grade,” 82% said they’d recommend the company, and 92.86 % of surveyed customers said they planned to renew their auto policy with Nationwide.
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. For auto insurance, Nationwide (NAIC# 23760) had a complaint ratio of 0.64 for 2018. 2019 complaint numbers will be available in 2020.
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.
Contact information
One Nationwide Plaza
Columbus, OH 43215
Customer service: 877-669-6877
Claims: 800-421-3535
Coverage Options
Usage-based/Telematics
Rates can be based on your mileage and how you drive.
Accident forgiveness
Your rates won't increase after your first accident.
Vanishing deductible
Your deductible will be reduced as long as you have no accidents or moving violations.
New car replacement
If you total your car the insurer will pay for a new car.
Mobile app
The insurer offers an app for smartphones.
Discounts
Multi-policy
Discount for more than one type of policy with the same insurance provider.
Multi-vehicle
Discount for two or more vehicles on the same car insurance policy.
Driver training/Defensive driving
Discount for an approved defensive driving or driver improvement class.
Academic achievement
Discount for full-time students who meet certain academic criteria.
Passive -restraint (air bag)
Discount for factory-installed safety devices such as an air bag.
Safe driver/clean driving record/good driver
Discount for no accidents or traffic violations, usually for three or five years.
Feedback of Surveyed Policyholders
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:
"Good service, cheap."
-Age 18-36, California
"I have always had great customer service. I never had to worry about having to calling them back to get the answers I needed. Their website is so easy to navigate you are sure to find what you are needing very quickly"
-Age 18-36, California
"Their method of paying attention to customer is good."
-Age 18-36, Colorado
"Offers are good for new customers."
-Age 18-36, Delaware
"Provides excellent customer service"
-Age 18-36, Florida
"The customer support is quite good and patient with their clients"
-Age 18-36, Florida
"They're affordable"
-Age 18-36, Georgia
"I pay under $100 a month for full coverage and I am under 25 and I have a totaled car on my record, but no tickets or anything else"
-Age 18-36, Illinois
"They have great customer service."
-Age 18-36, Kansas
"Easy to speak to"
-Age 18-36, Kentucky
"It's true you're in good hands with them"
-Age 18-36, Maryland
"I get a good rate and they contact me if and when there are changes that could help me save money and also if there are new products that would benefit me"
-Age 18-36, Michigan
"They respond very quickly to all problems. Feel very helpful with customers."
-Age 18-36, Minnesota
"It is a good company for auto insurance"
-Age 18-36, New York
"That they're reliable"
-Age 18-36, New York
"Great service"
-Age 18-36, North Carolina
"I like Nationwide for my insurance needs"
-Age 18-36, North Carolina
"Personal relationship with insurance broker who will answer questions and help with claims"
-Age 18-36, North Carolina
"They are absolutely amazing"
-Age 18-36, North Carolina
"They do everything they can to get me the lowest price without skimping on coverage."
-Age 18-36, North Carolina
"If you don't like the price your paying they will help you find a cheaper rate."
-Age 18-36, Ohio
"Legitimately helpful"
-Age 18-36, Ohio
"They cover rideshare for Uber and Lyft drivers. They are friendly and kind. After a car accident they work quickly to get your claim done and have your check to you in just a few days."
-Age 18-36, Ohio
"Good service, great price"
-Age 18-36, Oklahoma
"Great company, feels like a small company as great service but is really a big company"
-Age 18-36, Pennsylvania
"iIfeel that they treat me as more peson than just a customer, they value me."
-Age 18-36, Pennsylvania
"The company is great"
-Age 18-36, Pennsylvania
"They are caring and constantly looking out for their customers."
-Age 18-36, Pennsylvania
"They give discounts for good grades"
-Age 18-36, Pennsylvania
"They have great customer service and they make it easy to find information you need and get any questions answered that you gave. Also they're affordable"
-Age 18-36, Pennsylvania
"Great insurance the insurer makes calls and cares for you."
-Age 18-36, South Carolina
"This company is reliable and able to help you whenever you need them."
-Age 18-36, South Dakota
"Good company solid reputation"
-Age 18-36, Tennessee
"I feel like I have a great policy. The coverage for what I pay is excellent."
-Age 18-36, Tennessee
"I feel good with my insurance now because my needs are fulfilled"
-Age 18-36, Texas
"Easy to deal with"
-Age 18-36, Virginia
"Generous, responsible, helpful, professional is how I would describe Nationwide"
-Age 18-36, Virginia
"They are easy to work with"
-Age 18-36, Virginia
"They are easy to do business with and if you have a problem they will do anything to help you solve it."
-Age 18-36, Virginia
"Always there when or if you need them"
-Age 37-52, Arizona
"Very polite people. Knowledgeable of questions."
-Age 37-52, Arkansas
"In a world where everything is automated and done online; I relish having a local agent. He is a wealth of knowledge, makes us feel valued, and always there for our needs. Even though I do not shy away from technology (ever) I would never want to do business with another insurance company because my agent is so amazing."
-Age 37-52, Delaware
"Their rates are competitive and the customer service is very helpful"
-Age 37-52, Illinois
"They are a good company and have taken care of me and my family"
-Age 37-52, Illinois
"It is low insurance for the state I live in"
-Age 37-52, Kentucky
"It's caring and can customizes my needs. I'd recommend it to friends"
-Age 37-52, Minnesota
"They care about their customers and are there for you when you need them"
-Age 37-52, New Jersey
"Best service and best provider"
-Age 37-52, New York
"Always nice and friendly and takes care of any problems quickly and can always answer your questions"
-Age 37-52, North Carolina
"Nationwide is excellent"
-Age 37-52, North Carolina
"The customer service I receive from this company is awesome, they genuinely care about your needs and concerns and go out of their way to provide excellent customer service."
-Age 37-52, North Carolina
"They have really good coverage and the rates are worth the cost. I had an accident last year and my claim was settled quickly and I hardly had to do anything."
-Age 37-52, North Carolina
"They're awesome"
-Age 37-52, North Carolina
"They are a solid company"
-Age 37-52, Ohio
"Best prices they are offering."
-Age 37-52, Oregon
"Quick to resolve claims as needed"
-Age 37-52, Texas
"Their customer service is great."
-Age 37-52, Vermont
"This company gives you good care and good response"
-Age 37-52, Virginia
"Excellent customer service from a company that supports community."
-Age 37-52, West Virginia
"They care about their customers."
-Age 37-52, West Virginia
"Good coverage at reasonable rates."
-Age 53+, California
"Consider this company for safe future"
-Age 53+, Delaware
"Good customer service"
-Age 53+, Delaware
"I've only been with Nationwide for about a year, but I recently made a claim on my homeowners policy(I bundle auto and home) due to hail damage on my roof. They were very easy to deal with and had someone out here within a day or two. No problems."
-Age 53+, Illinois
"Have an app that is easy to use"
-Age 53+, Kansas
"They are easy and fair"
-Age 53+, Kentucky
"Responds quickly and are easy to reach out to"
-Age 53+, Michigan
"They are very helpful, and always answer any questions I ask them throughly. Great prices!"
-Age 53+, Minnesota
"They are fast and accurate"
-Age 53+, New York
"They seem to treat me as an individual not a number."
-Age 53+, New York
"Excellent on paying claims."
-Age 53+, North Carolina
"I like the person to person service I get. My insurance agent knows me by name and looks for the best money savings we can get"
-Age 53+, North Carolina
"Nationwide has always been by my side every time the need there. My wreck in 2005, they were awesome in every way."
-Age 53+, North Carolina
"Nationwide is a good company to deal with."
-Age 53+, North Carolina
"They have your best interest in mind"
-Age 53+, North Carolina
"Very easy to do business with, great customer service"
-Age 53+, North Carolina
"Customer Service is the best"
-Age 53+, Ohio
"Easy to work with, quick and accurate information and help"
-Age 53+, Ohio
"They are the cheapest in the area"
-Age 53+, Ohio
"Easy to deal with"
-Age 53+, Pennsylvania
"Easy to reach them and their agent is really nice and will talk to you at any time about any concers you have"
-Age 53+, Pennsylvania
"Good as company as it gets for auto insurance"
-Age 53+, Pennsylvania
"Reliable - never had any problems"
-Age 53+, Pennsylvania
"Always available if I have questions, local agent is great"
-Age 53+, South Carolina
"They try to know you on personal level, so that can give you whatever you want."
-Age 53+, South Dakota
"They are a good Ins company and they have always treated me with respect"
-Age 53+, Tennessee
"Fair pricing, prompt service, excellent coverage"
-Age 53+, Texas
"I've had Nationwide for 25 years and they have always taken great care of me. I would recommend them to everyone interested in an company who cares about their customers!"
-Age 53+, Washington
"Just switched based on saving over $1000 a year by shopping around. If you have an exotic car (like me) do some homework! A lot of companies will not insure them. I heard an ad on the radio and called them. Saved me a ton of money and I met a really nice agent who really cares about me. Maybe she doesn't but she talks a good story!! Ha ha ha!"
-Age 53+, Washington
"They answer calls quickly, and, if there's a problem, they get back to you in a very good time."
-Age 53+, Wisconsin
"I say bad company. I didn't like my communications with them."
-Age 18-36, California
"I haven't had to file a claim yet, so I don't truly know."
-Age 18-36, California
"I had a delay in response to my claim so not happy"
-Age 18-36, Connecticut
"I think they're good, not great."
-Age 18-36, Connecticut
"I haven't really had contact with them good or bad. We go through a broker so he usually does the communication"
-Age 18-36, Minnesota
"They are charging way too much for car insurance now."
-Age 18-36, North Carolina
"I have filed several claims with Nationwide and all but one of them have been dealt with in a timely, efficient, low-hassle manner. I have received excellent settlements from Nationwide for two totaled cars."
-Age 18-36, Texas
"Customer service line and local agent are not very helpful"
-Age 18-36, Virginia
"They are super helpful and for the first couple of years called every renewal to try to save me money. I haven't received one of those calls in a while though. I've been paying about the same for over 5 years. I have seriously considered switching companies, just scared.."
-Age 18-36, Virginia
"They try to keep up with the modern times"
-Age 18-36, Washington
"Considering my total experience with this company, I would want others to know about Nationwide is that the company is just okay. It is not the best, but it is not the worst either. It's an average insurance company. Nothing special."
-Age 18-36, West Virginia
"The don't cover water damage. Look for an insurer that does."
-Age 37-52, California
"They were fantastic when I made a claim. They are just significantly more expensive than other companies."
-Age 37-52, California
"That they have plenty of extras to choose from as well as good deductible choices but prices fluctuate almost every renewal period."
-Age 37-52, Indiana
"The broker I dealt with is not very professional. The customer service was nice enough but they gave me inaccurate information, so although they were nice, they were not informed."
-Age 37-52, New York
"Over the years, Nationwide has been good to deal with. Still, like any insurance company, they are in the business to make money so you need to be proactive with your policy."
-Age 37-52, North Carolina
"I use an agent to procure my insurance mostly from nationwide. They tend to just assume certain things rather than ask questuins, then require us to read the policy declaration statement and question them or ask them to make changes. Could avoid this, if they ask us up front."
-Age 37-52, Ohio
"We are new to the company and haven't had a need to use their services. So far the agent has been great"
-Age 37-52, Ohio
"It's a big company - for better or worse"
-Age 37-52, Utah
"Reasonable rates but not very friendly"
-Age 53+, Colorado
"Prices are high but they are there when you need them."
-Age 53+, Connecticut
"The coverage is okay"
-Age 53+, Florida
"Ok with my plan, not satisfied as other having better options"
-Age 53+, Kentucky