Nationwide Insurance Review
Nationwide offers reliable coverage, but affordability varies by state
Advertising Disclosures
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- Nationwide offers reliable car, home and renters insurance for most (but not all) states.
- Customers give it good service ratings for car and renters insurance.
- Its home-and-auto insurance bundle is especially cheap in New York, Virginia and Delaware.
LendingTree rating:
Auto:
Home:
Not so good for
Rideshare drivers
Top product
Car insurance with good claims and customer service, but affordability varies by state
Ratings
J.D. Power overall auto satisfaction: 650 (641 is average)
J.D. Power overall home satisfaction: 641 (642 is average)
Availability
Nationwide offers car insurance in every state except Alaska, Hawaii, Massachusetts and Louisiana. It has home insurance and renters insurance in nearly as many areas.
Bundle discount
Up to 15% off on car insurance when you bundle it with home insurance
Is Nationwide a good insurance company?
Nationwide is usually a good company for car, home and renters insurance. It gets good customer service ratings for auto and renters insurance, but its affordability varies by state.
Pros
- Cheap car and home insurance in New York, Virginia and Delaware
- Better-than-average car and renters satisfaction scores from J.D. Power
- Fewer car insurance complaints than average over claims and other issues
Cons
- Potentially expensive home and auto rates in some states
- Doesn’t offer add-on coverage for rideshare drivers
Who it’s best for
Nationwide is best for home and auto bundlers in New York, Virginia and Delaware. Nationwide’s rates are less than the state averages for both home and auto insurance in these states. The discount you get for bundling your insurance
Who it may not be the best fit for
Nationwide isn’t best for price-sensitive shoppers in states where its rates are expensive. Nationwide charges 59% more than the state average for homeowners insurance in Texas, for example. In Kentucky, it charges 51% more than average for car insurance.
How much does Nationwide insurance cost?
Nationwide’s overall car and home insurance rates are higher than average. However, its affordability varies by state and by which discounts you can get.
Nationwide’s car insurance rates
Nationwide charges an average of $190 a month for full coverage
It charges $76 a month for minimum coverage
| Company | Monthly full coverage | Monthly minimum coverage | LendingTree rating | |
|---|---|---|---|---|
 | Travelers | $135 | $59 |  4.5/5 |
 | State Farm | $144 | $56 | 4.5/5 |
 | Progressive | $160 | $69 |  4/5 |
 | Geico | $173 | $65 | 3.5/5 |
| Nationwide | $190 | $76 | 3/5 |
 | Allstate | $248 | $104 | 3/5 |
 | AAA | $255 | $93 |  2.5/5 |
 | Farmers | $258 | $101 | 3/5 |
Each company’s rates vary by customer, based on factors like your location, driving record and credit. It’s good to compare car insurance quotes from a few companies to find the best deal.
Nationwide car insurance rates by state
Nationwide is particularly cheap in Delaware. There, its full coverage rate of $201 a month is 21% less than the state average. It charges 14% less than the state average in Montana and 11% less in South Dakota.
Is Nationwide car insurance affordable in my state?
| State* | Monthly rate Nationwide | Monthly state average | Nationwide vs. state average |
|---|---|---|---|
| Alabama | $214 | $153 | 40% |
| Colorado | $314 | $238 | 32% |
| Connecticut | $272 | $265 | 3% |
| Delaware | $201 | $256 | -21% |
| Iowa | $185 | $149 | 24% |
| Kansas | $223 | $199 | 12% |
| Kentucky | $266 | $176 | 51% |
| Maryland | $179 | $172 | 4% |
| Mississippi | $201 | $176 | 14% |
| Montana | $157 | $183 | -14% |
| Nebraska | $224 | $171 | 31% |
| New York | $182 | $192 | -5% |
| North Carolina | $141 | $124 | 14% |
| Ohio | $113 | $124 | -9% |
| Pennsylvania | $170 | $166 | 2% |
| Rhode Island | $233 | $224 | 4% |
| South Carolina | $149 | $152 | -2% |
| South Dakota | $158 | $177 | -11% |
| Vermont | $105 | $101 | 4% |
| Virginia | $128 | $132 | -3% |
| West Virginia | $176 | $150 | 17% |
Nationwide home insurance rates
Nationwide charges an average of $3,490 a year for homeowners insurance, or $291 a month. This is 33% higher than the national average of $219 a month.
| Company | Annual rate | Monthly rate | LendingTree rating | |
|---|---|---|---|---|
| State Farm | $1,761 | $147 | 4/5 |
| AAA | $1,925 | $160 |  2/5 |
| Allstate | $2,352 | $196 | 4/5 |
| Farmers | $2,895 | $241 | 3.5/5 |
| Progressive | $3,084 | $257 | 3.5/5 |
| Travelers | $3,216 | $268 | 3.5/5 |
| Nationwide | $3,490 | $291 | 3.5/5 |
As with car insurance, each company’s rates vary by customer. Comparing home insurance quotes from a few companies may save you money. Consider getting home and auto quotes together to see each company’s combined rate.
Nationwide home insurance rates by state
At $924, Nationwide’s home insurance rate in Delaware is 30% less than the state average. On the other hand, its rate of $6,421 in South Carolina is nearly twice the average.
Nationwide’s home and auto insurance rates are both less than the state averages in New York, Virginia and Delaware.
Is Nationwide home insurance affordable in my state?
| State | Nationwide rate | State average | Nationwide vs. state average |
|---|---|---|---|
| Alabama | $4,607 | $3,614 | 27% |
| Arkansas | $4,757 | $3,902 | 22% |
| California | $1,398 | $1,638 | -15% |
| Colorado | $6,157 | $4,722 | 30% |
| Delaware | $924 | $1,320 | -30% |
| Florida | $5,163 | $2,967 | 74% |
| Georgia | $3,381 | $2,971 | 14% |
| Idaho | $3,533 | $1,975 | 79% |
| Indiana | $3,710 | $2,940 | 26% |
| Iowa | $4,826 | $3,492 | 38% |
| Kansas | $5,188 | $4,596 | 13% |
| Maryland | $2,687 | $2,490 | 8% |
| Mississippi | $4,512 | $3,154 | 43% |
| Missouri | $3,160 | $2,936 | 8% |
| Montana | $3,419 | $2,739 | 25% |
| Nebraska | $4,979 | $5,519 | -10% |
| New York | $1,439 | $1,649 | -13% |
| North Carolina | $3,090 | $2,874 | 8% |
| Ohio | $3,190 | $2,232 | 43% |
| Oregon | $1,568 | $1,518 | 3% |
| Pennsylvania | $1,890 | $1,930 | -2% |
| Rhode Island | $3,255 | $2,165 | 50% |
| South Carolina | $6,421 | $3,292 | 95% |
| South Dakota | $5,098 | $3,637 | 40% |
| Texas | $6,795 | $4,279 | 59% |
| Utah | $1,737 | $1,858 | -7% |
| Virginia | $2,163 | $2,780 | -22% |
| Washington | $1,784 | $1,771 | 1% |
| Washington, D.C. | $1,056 | $1,441 | -27% |
| West Virginia | $2,825 | $2,117 | 33% |
Nationwide’s insurance coverage options
In addition to low rates, it’s important to make sure your insurance company has the coverage choices you need. Nationwide is excellent in this respect. It has several useful add-on protections for your car and home.
In addition to standard coverages, Nationwide offers gap insurance
The company’s SmartRide telematics program also gets good reviews. Telematics programs monitor your driving, often with a smartphone app, and give you discounts for safe driving. Unlike some other programs, Nationwide’s SmartRide won’t raise your rates for bad driving.
However, Nationwide is not your best choice if you drive for a rideshare network like Uber or Lyft. Unlike State Farm, Progressive and a few others, Nationwide does not offer add-on protections for rideshare driving
Nationwide’s coverage options for homeowners also go beyond the basics. These include Better Roof Replacement, which pays to rebuild a damaged roof with stronger materials.
Its dwelling replacement cost coverage
Nationwide also has better identity theft coverage than most insurance companies. It includes ongoing credit monitoring. This can help you detect identity theft early, before it becomes a bigger problem.
Nationwide’s renters insurance policies mostly stick to the basics. It offers standard coverages for things like your personal property, temporary living expenses and liability.
Its Brand New Belongings coverage pays to replace damaged or stolen items with comparable new ones. This is similar to the replacement cost upgrade many other companies offer.
Nationwide’s Valuables Plus coverage is a good way to protect items like expensive jewelry, antiques and fine art. Most other companies also have add-ons for valuables like these.
Nationwide is a good choice for bundling your car insurance with a home or renters policy in areas where its rates are cheap. It’s a reliable company that offers protections that most people need.
However, in many areas a different company may be able to give you similar protections at a lower price.
Nationwide’s discounts
Some of Nationwide’s insurance discounts are more common than others. Like most companies, it gives you a generous discount for bundling. It also has discounts for recently bought homes and for homes in gated communities.
If you’re 55 or older, Nationwide gives you a car insurance discount for completing a defensive driver class.
Its pay-per-mile program, SmartMiles, can also save you money on car insurance if you don’t drive much. You’re only charged for the number of miles you drive. Unfortunately, SmartMiles is only available in New York and six other states
Nationwide’s good student discount is available to students with a B average or better. However, it does not have discounts for teens who complete driver training, and it doesn’t offer a distant student discount for teens who go off to college without a car.
Nationwide insurance discount comparison
| Discount | Nationwide | State Farm | Progressive | Allstate |
|---|---|---|---|---|
| Defensive driver | ||||
| Pay-per-mile | ||||
| Good student | ||||
| Driver training | ||||
| Distant student | ||||
| Home purchase | ||||
| Gated community |
How does Nationwide compare to other insurance companies?
In addition to price, it’s important to consider each company’s coverage options and customer service. Here’s how Nationwide stacks up against its largest competitors.
State Farm is usually cheaper than Nationwide and offers many of the same insurance protections. One exception is gap car insurance, which State Farm doesn’t have.
On the other hand, State Farm does have rideshare driver coverage, which you can’t get from Nationwide. State Farm also has a few more discounts for young drivers, possibly making it a more affordable choice if you have teen drivers in your family.
Nationwide tends to have cheaper car insurance than Allstate. However, Allstate is cheaper for home insurance, which could make it a better deal for bundlers. Getting quotes from both companies is a good way to find out for sure.
Nationwide is a better choice if you need gap insurance, which Allstate doesn’t have. Nationwide also has better satisfaction scores than Allstate.
Progressive may be a better option than Nationwide if you only need car insurance, since Progressive’s rates are cheaper, and it offers a few more coverage options, like custom parts and equipment coverage for modifications to your vehicle.
Progressive also has cheaper home insurance than Nationwide. However, Nationwide has a few more coverage options and better customer satisfaction ratings than Progressive. These factors may make Nationwide a better option for home insurance.
How to get insurance quotes from Nationwide
Nationwide’s helpful coverage options make it a good company to contact for insurance quotes. Each company’s rates vary by customer, and in some situations, Nationwide may be your cheapest option.
You can get quotes from Nationwide’s website or an independent insurance agent. Independent agents can also get you quotes from some other companies, usually including Progressive, Liberty Mutual and regional companies in your area. Unfortunately, they can’t get you quotes from companies with exclusive agents like State Farm, though you can contact them via LendingTree or on your own.
Frequently asked questions
Generally, yes. Nationwide has better-than-average claims satisfaction for car and home insurance from J.D. Power. These scores are based on customer surveys rating insurance companies’ claims processes on factors like convenience and fairness.
Nationwide gets good ratings for auto and renters insurance. Its overall satisfaction scores for both are better than national averages. The company also has a good car insurance complaint rating from the National Association of Insurance Commissioners (NAIC). However, its NAIC score for home insurance is worse than average.
Yes, you can usually get insurance quotes from Nationwide’s website. However, an agent may contact you to complete the process. Nationwide’s website can also help you find an insurance agent near you for live assistance.
How LendingTree helps you find the right policy
Shopping for insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits both your home or car and your budget.
How it works
Tell us about your insurance needs
Answer a few quick questions about your car or home and your coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Methodology
LendingTree obtains car and home insurance rates from Quadrant Information Services. Rates are based on an analysis of hundreds of thousands of quotes for typical drivers and homes. Prices are shown for comparative purposes only. Terms and conditions apply, and your own rates may be different.
The vehicle and the person driving affect how much the insurance will cost. Older drivers tend to pay less for insurance, as do those with good driving records. Meanwhile, expensive cars will generally cost more to insure.
For all the rates on this page (unless noted otherwise), we quote the cost of a full coverage policy for a 30-year-old driver with good credit and a clean driving record who drives a 2018 Honda CR-V EX.
Your coverage and deductible have a big effect on your insurance costs. LendingTree generally quotes two different types of coverage:
For full coverage policies (including collision, comprehensive and liability), we use these coverages:
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000
- Uninsured / underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Personal injury protection: minimum limits, where required by law
- Collision: $500 deductible
- Comprehensive: $500 deductible
For minimum-liability policies, we use whatever the state’s required minimum limit is, or an average of the state rates for national prices.
Homeowners insurance rates are based on policies with the following coverage and deductible amounts:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Personal liability: $100,000
- Medical payments: $5,000
- Deductible: $1,000
How LendingTree evaluates Nationwide and other insurance companies
LendingTree’s team of insurance experts rates insurance companies’ basic rates, discounts, coverage options and third-party customer service ratings. LendingTree also evaluates the digital experience each company provides on its website and smartphone app. We then weight these categories based on what customers value in an insurance company.
Third-party ratings services include the National Association of Insurance Commissioners (NAIC) and AM Best. NAIC’s complaint ratings show how often companies are found at fault over customer complaints for things like claims. Financial ratings from AM Best are good indicators of how well a company is run and its ability to pay claims.
See our editorial guidelines and our rating methods for car, home and renters insurance.
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