Nationwide Auto Insurance Review for 2025 (+Rates & Discounts)

Our Nationwide auto insurance review explains how much you’ll pay, with monthly rates starting at $58 and savings from SmartRide, SmartMiles, bundling, safe driver discounts, and usage-based auto insurance plans.

Nationwide Auto Insurance Rating

It also covers how your driving record, credit score, and age can raise or lower your costs. Nationwide auto insurance is available in all 50 states, making it a smart choice for drivers who want flexible coverage backed by strong financial stability.

If you want options that reward safe habits and give you a little control over your price, start by getting a Nationwide insurance quote to see how much you could save.

Find out if you can receive lower auto insurance rates in your area by entering your ZIP code into our free quote tool to instantly compare Nationwide car insurance rates by State and prices between companies.

Nationwide Auto Insurance Cost

Let’s walk through what these two tables are telling us. The first one breaks down Nationwide’s monthly auto insurance rates based on both age and gender, and it’s pretty clear that younger drivers pay a lot more. For example, 16-year-old males face the steepest rates at $279 per month, while 55-year-old females see much lower prices at $58.

Across the board, male drivers tend to pay slightly more than females in every age group, and rates gradually drop as drivers get older. The second table compares Nationwide’s rates with other major auto insurance companies. Here, you’ll see that Nationwide sits somewhere in the middle: it’s not the cheapest, but it’s not the most expensive either.

Nationwide vs. Top Competitors: Auto Insurance Monthly Rates

For minimum coverage, Nationwide charges $65 per month—cheaper than Allstate auto insurance at $87 and Liberty Mutual at $96, but pricier than Geico’s $43 and USAA’s $32.

The same pattern holds for full coverage. This side-by-side comparison helps you figure out whether Nationwide offers the right balance of price and coverage, depending on what you prioritize in an insurance company.

Rates by Credit Score

If you review the Nationwide car insurance rates by credit score, the table shows how full coverage costs change based on your credit tier. Nationwide’s rates fall in the middle—drivers with good credit pay about $140 per month, while drivers with bad credit pay around $235. That’s lower than Liberty Mutual auto insurance at $295 for bad credit, but higher than Geico’s at $200.

Auto Insurance Monthly Rates by Credit Score

USAA stands out as the cheapest across all credit tiers, with rates as low as $110 for good credit and $160 for bad credit. This is a good reminder that your credit score can seriously affect what you pay for car insurance, and Nationwide offers competitive pricing, though it’s not always the lowest. It’s smart to compare these numbers with your own credit profile when shopping for coverage.

Rates by Driving Record

If you look at the Nationwide car insurance rates by driving record, this table breaks down how your rates change depending on your driving history. For drivers with a clean record, minimum coverage starts at $65, and full coverage is $164.

Nationwide Auto Insurance Monthly Rates by Driving Record

However, a speeding ticket bumps those rates to $75 for minimum and $196 for full coverage. An accident on your record pushes those rates even higher—$88 for minimum and $230 for full coverage. If you’ve had a DUI, expect a steep increase, with minimum coverage reaching $129 and full coverage climbing to $338.

This really shows how much Nationwide, like most insurers, weighs your risk behind the wheel when setting your rates. In severe accident cases, insurers may even review traffic collision reconstruction reports to assess fault and risk factors before adjusting your premiums.

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Ways to Save on Nationwide Auto Insurance

This table highlights Nationwide car insurance discounts, showing several real opportunities to save. The biggest savings—up to 40%—come from maintaining a good driving record or enrolling in a usage-based insurance (UBI) program like SmartRide.

Nationwide Auto Insurance Discounts

But even if you don’t qualify for those top-tier discounts, there are several other ways to lower your monthly rate. Here are five ways you might be able to cut costs with Nationwide:

• Drive Safely & Consistently: Maintaining a clean record qualifies you for a good driver or safe driver discount, each offering up to 10–40% off.
• Use SmartRide or SmartMiles: These UBI programs reward safe or low-mileage driving and can knock up to 40% off your premium.
• Bundle Your Policies: Combining auto with home or renters insurance can save you around 20%.
• Pay in Full Upfront: Choosing to pay your premium in one lump sum can earn you a 15% discount.
• Sign Up for Auto Pay: It’s simple but effective—automated payments can trim another 10% off your bill.

If you’re shopping for auto insurance, taking a few minutes to apply for these savings could add up to hundreds of dollars back in your pocket each year. Whether you’re a low-mileage driver or someone who wants to simplify with automatic payments, Nationwide gives you several ways to cut costs.

Just keep in mind that not all discounts are available in every state, so it’s worth checking with a Nationwide agent to see what you qualify for based on your location and driving habits. If you’re comparing providers to find the cheapest car insurance, these discounts can make a noticeable difference in your final monthly rate.

Nationwide Auto Insurance Ratings & Reviews

Looking at these ratings, Nationwide holds up pretty well across the board. Nationwide insurance reviews on Consumer Reports give them a 75 out of 100, reflecting generally positive customer feedback, while J.D. Power scores them 728 out of 1,000 for customer satisfaction.

Nationwide Insurance Business Ratings & Consumer Reviews

Nationwide insurance reviews on BBB highlight their A+ rating for strong business practices, though some Nationwide car insurance reviews and complaints mention occasional delays in claims processing. Nationwide’s NAIC complaint score is 0.78, meaning they receive fewer complaints than the industry average.

From a financial stability standpoint, A.M. Best gives them an A rating, confirming they’re in strong shape to pay claims when it counts. If you’re comparing insurers, a visual guide to auto insurance can help break down how these financial ratings, customer satisfaction scores, and coverage options stack up across different companies.

One Yelp reviewer highlights how the company supports its members and communities during disasters and offers a full range of products, including auto, home, and pet insurance. So, while they might not be flawless, these ratings show they’re a steady, dependable choice.

Pros & Cons of Nationwide

If you’re thinking about Nationwide auto insurance, it helps to weigh what they really offer. Their programs and savings stand out in a few areas, but there are also some trade-offs to keep in mind before signing up. Here’s a clear look at where they shine—and where they could improve.

Pros

• SmartRide Discounts: You can save up to 40% by driving safely, thanks to Nationwide’s SmartRide program that rewards real driving habits.
• Local Agent Support: Unlike some digital-only insurers, Nationwide has a strong network of local agents who help you manage your coverage in person.
• Broad Discount Options: With bundling, safe driver, and low-mileage discounts, there are plenty of ways to lower your rate beyond the basics.

Cons

• Slower Claims Experience: Customers occasionally report slower-than-expected claims processing, especially compared to some faster competitors.
• Higher Costs for Add-Ons: Optional coverage like roadside assistance or accident forgiveness can raise your overall price more than you’d expect.

Overall, Nationwide auto insurance companies give you a solid balance of value and options, especially if you want to save with usage-based discounts and still have local support when you need it.

You can get a Nationwide auto insurance quote online or by calling the Nationwide auto insurance phone number to compare your rates and coverage options. But like any insurer, it’s worth weighing the trade-offs—especially around claims handling—before making your decision.

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Nationwide Auto Insurance Coverage Options

Nationwide auto insurance gives drivers a mix of reliable coverage and modern savings tools. With programs like SmartRide and SmartMiles, you can lower your rates based on how safely or how far you drive. Plus, Nationwide’s strong financial ratings and local agent network help protect drivers across all 50 states, whether you’re looking for basic liability or full coverage with add-ons like accident forgiveness.

• Liability, Collision & Comprehensive: Covers your liability for injuries and property damage, car accidents, and protection against theft, vandalism, weather, and animal collisions.
• Roadside Assistance: Helps with jump-starts, flat tire changes, lockouts, and emergency fuel delivery when your car breaks down.
• Rental Car Reimbursement: Pays for a rental vehicle while your car is being repaired after a covered claim.
• Towing and Labor Coverage: Covers towing costs and basic on-site repairs when your car is disabled.
• Uninsured/Underinsured Motorist: Protects you if you’re hit by a driver with no insurance or too little coverage to pay for your injuries or damage.

Nationwide auto insurance works best for drivers who want personalized discounts and the option to work with a local agent. Nationwide car insurance customer reviews highlight its wide coverage options and tech-based savings tools for flexibility, though some mention claims handling may take longer than competitors.

Before you buy, compare rates and discounts with other top providers to see if Nationwide fits your budget and coverage needs. If you’re unsure where to start, our guide on how to compare car insurance companies explains what to look for—such as financial strength, claims satisfaction, and available discounts—so you can make a smart choice.

Choosing Nationwide for Reliable Coverage

The Nationwide auto insurance reviews highlight how the company blends local agent support with tech-driven savings like SmartRide and SmartMiles. Safe drivers and low-mileage users can lower costs, while strong financial ratings back their coverage. While the claims process could be smoother, their strong financial ratings and solid coverage options make them a dependable choice.

Overall, Nationwide fits drivers who want to save with personalized discounts but still prefer having an agent nearby when things get complicated. If you’re a safe driver, Nationwide’s SmartRide and SmartMiles programs help position it among the best auto insurance for good drivers seeking rewards for their habits.

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