Nationwide Auto Insurance Review 2024

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Nationwide is a well known insurance coverage supplier with headquarters in Columbus, Ohio. The corporate’s auto insurance coverage insurance policies can be found in all however 4 states, and its charges are considerably decrease than the nationwide common. Nationwide additionally stands out by offering varied protection choices and giving prospects a number of methods to request quotes and handle their insurance policies.  

These low charges and versatile coverage choices make Nationwide the most effective automotive insurance coverage suppliers within the U.S.

Nationwide Auto Insurance coverage Evaluate

Nationwide Auto Insuranceis a well-liked possibility with a number of perks, from protected driving reductions to protection for pets which are concerned in a crash. It ranks extremely for buyer satisfaction in accordance with J.D. Energy, and it usually presents affordable charges.

Nationwide is a significant insurance coverage firm that is common amongst folks in search of reasonably priced auto insurance coverage. Nationwide means that you can lower your expenses by bundling several types of insurance coverage, like dwelling and auto.

The corporate presents quite a lot of different price financial savings choices, together with a reduction for college kids with a minimum of a B common and one other low cost for utilizing SmartRide, an app that tracks your driving habits and provides you reductions for driving safely. Plus, Nationwide ranks nicely, scoring a 627 in J.D. Energy’s newest auto insurance coverage buyer satisfaction research.

Here is what it is best to know in regards to the plans, riders, and reductions out there from Nationwide automotive insurance coverage.

Nationwide Auto Insurance coverage Professionals and Cons 

Nationwide Auto Insurance coverage Professionals 

• Vast choice of protection choices
• Number of reductions
• Utilization-based insurance coverage applications (SmartRide® and SmartMiles®) can be found
• Sturdy monetary stability ranking from AM Greatest

Nationwide Auto Insurance coverage Cons

• Charges could also be greater than some opponents
• Buyer satisfaction scores are considerably combined
• Insurance policies are usually not out there in Alaska, Hawaii, Louisiana, or Massachusetts 

Nationwide Auto Insurance coverage Plans Out there

Nationwide presents an array of various protection varieties. You select what you need to construct a custom-made automotive insurance coverage plan that is best for you. Whereas this could be thought of “full protection,” there is not any set full protection plan — you will have to decide into the protection that you really want. 

Nationwide divides its protection into 11 protection classes. These are divided into two classes: car coverages and private auto coverages.

Car Coverages

A majority of these protection are supposed to restore harm to your automotive or another person’s, and canopy bills when you’ll be able to’t drive your automotive. 

• Collision protection: This covers harm to our car if it hits one other object, irrespective of whose fault the crash is. 
• Complete protection: This covers harm to your automotive that is not lined by collision. It consists of issues like theft, vandalism, weather-related damages, and crashes with animals. 
• Towing and labor: This covers the price of — you guessed it — towing your car and having it labored on. 
• Rental automotive expense: This covers the price of a rental car when your automotive is out of fee due to a lined accident. 
• Hole protection: This covers the distinction between the precise worth of your automotive, and what you owe on the mortgage. In case your automotive is totaled, however appraises for lower than you owe, hole protection can pay for the distinction. 

Private Auto Coverages

A majority of these insurance coverage cowl you, your passengers, and different individuals who could be damage and even killed in an accident, plus their property.  

• Bodily damage legal responsibility: This legal responsibility insurance coverage covers medical payments and misplaced earnings for accidents to different folks from an accident that you just precipitated. 
• Property harm legal responsibility: This covers harm to another person’s property, together with their automotive, from accidents that you just trigger. 
• Private damage safety: This covers your medical bills and misplaced earnings from accidents, irrespective of whose fault they had been. 
• Uninsured motorist: This covers harm from hit-and-runs and different at-fault drivers who weren’t insured.  
• Underinsured motorist: This protection is just like uninsured, however protects you if the at-fault driver would not have sufficient safety to cowl your payments. 
• Medical funds: Covers medical payments for you and your passengers who had been injured in an accident. 

Extra Protection Choices (Riders)

Along with the protection varieties listed above, Nationwide offers 4 riders, which it calls “particular auto coverages.” They’re:

• Accident forgiveness: With this rider, you’ll be able to keep away from a price enhance the primary time you or different folks in your coverage are at fault for an accident. Accident forgiveness is barely out there in choose states, and may solely be used as soon as per coverage. 
• Vanishing deductible: This rider helps you decrease your deductible after years of protected driving. The deductible drops by $100, as much as a $500 low cost, for annually that you just (or others in your coverage) do not have an accident. The deductible low cost takes impact after 30 days. When you’re in an accident, it reverts to the preliminary $100 low cost. 
• Roadside help: This rider offers you entry to a roadside help service plan that may repair minor issues like a flat tire or an empty gasoline tank. Nationwide presents two roadside help riders: primary or plus. Primary covers the necessities like quick towing (as much as 15 miles), key lockouts as much as $100, tire modifications, and gasoline refills. Plus, it provides as much as 100 miles of towing and as much as $500 in journey interruption safety while you’re caught greater than 100 miles from dwelling. 
• Whole loss deductible waiver: In case your automotive is totaled, this waives the deductible for bodily harm. 

Whereas not formally a rider, Nationwide presents all prospects an annual “On Your Facet” overview. It is a likelihood to ask questions on your coverage and higher perceive your protection. 

How A lot Does Nationwide Auto Insurance coverage Price?

Nationwide Auto Insurance coverage prices seem like barely greater than common. In accordance with Policygenius, Nationwide prices a mean of $1,475 a yr for full protection. That is simply above the nationwide common of $ $1,128 yearly. You can begin to get a quote from Nationwide on-line, however you’ll possible want to talk with an agent to get a finalized value. 

Supply: Insurify

Nationwide Auto Insurance coverage Reductions 

Nationwide stands out for providing many low cost applications. Listed here are a couple of:

• Bundle dwelling and auto insurance coverage to avoid wasting as much as 20% on premiums. Prospects save a mean of $646 bundling their insurance coverage, in accordance with Nationwide. 
• SmartRide: This app tracks your driving habits and provides you reductions of as much as 40% for protected driving habits. You will get 15% off only for signing up. 
• SmartMiles: A reduction for drivers who do not enterprise far, this lets you value your coverage primarily based on what number of miles you cowl yearly. 
• Secure driver reductions can be found to individuals who have not been at fault for an accident in 5 years, whereas accident-free reductions can be found to drivers who’ve by no means had an accident. Drivers over the age of 55 may get a reduction for taking a defensive driving course. 
• Good pupil reductions can be found to drivers beneath the age of 25 who keep a minimum of a B common at school. 

Nationwide additionally presents reductions to individuals who arrange automated funds and people who drive vehicles with anti-theft know-how. 

How one can Buy and Handle a Nationwide Auto Insurance coverage Coverage

Getting a quote for Nationwide automotive insurance coverage is an easy on-line course of. Head to the official Nationwide web site, the place you will discover the quoting device on the high of the homepage. Choose “auto” from the dropdown menu, enter your zip code, and click on “Begin your quote.” From there, you will undergo a sequence of questions on your driving historical past and coverage selections. 

Having your automotive’s car identification quantity (VIN) will pace the quoting course of alongside since Nationwide can use it to robotically pull the car specs. But when you do not have the VIN, then ensure you know your car’s yr, make, and mannequin.

Requesting a quote ought to solely take a couple of minutes, and you should purchase a coverage on-line, too.

When you’d fairly buy auto insurance coverage in particular person, Nationwide has a community of brokers throughout the nation. Head to the Nationwide web site and scroll all the way down to “Discover a native agent.” Enter your zip code and click on “Go.” You will be taken to an interactive map with all of the Nationwide insurance coverage brokers in your space.

It’s also possible to request a quote over the cellphone by calling 844-207-7609. 

As soon as you are a Nationwide automotive insurance coverage policyholder, you’ll be able to pay your payments and file claims on-line or by the Nationwide cell app.

How one can File a Declare With Nationwide Auto Insurance coverage

Nationwide prospects can file a declare on-line, through the Nationwide cell app, or over the cellphone at 800-421-3535. It’s also possible to contact roadside help utilizing any of these strategies. 

Nationwide says it should take about quarter-hour to file a declare on-line. You will want documentation, together with any police report, restore price estimates, or images. 

As soon as you have lodged a declare, you’ll be able to monitor it on-line or by texting 25246 (CLAIMS).

Nationwide Auto Insurance coverage Buyer Evaluations and Rankings

Nationwide offers a versatile buyer expertise, permitting policyholders to handle their insurance policies by the Nationwide web site, the Nationwide cell app, and by contacting an agent. The corporate has a powerful repute, incomes an A+ grade from the Higher Enterprise Bureau and an A (Glorious) ranking from A.M. Greatest for monetary stability. 

Nevertheless, it fares worse amongst buyer critiques, receiving a mean of 1.14 stars on its Higher Enterprise Bureau web page and 1.5 stars on Trustpilot. Prospects reward Nationwide for being responsive and offering fast service. Others complain that the claims course of is annoying and that sure repairs aren’t lined as promised. It is price mentioning that these critiques pertain to Nationwide as a complete, not simply its automotive insurance coverage.

Nationwide has a 2.35 on the Nationwide Affiliation of Insurance coverage Commissioners’ firm grievance index, which implies it acquired  

The Nationwide cell app will get principally optimistic critiques, incomes a mean of 4.5 stars on Google Play and 4.7 stars on the Apple App Retailer. Customers say the app is handy for paying payments, beginning claims, and accessing policyholder ID playing cards.

Nationwide Auto Insurance coverage vs. Its Opponents 

Be taught extra about how Nationwide compares to different high auto insurance coverage choices. 

Nationwide vs. Farmers Auto Insurance coverage

Nationwide and Farmers Auto Insurance coverage are each common insurance coverage suppliers out there in most states. They provide related low cost applications, together with accident forgiveness, deductible reductions for individuals who have not had an accident in years, and protected driving reductions for individuals who obtain apps that monitor driving actions. Farmers presents a couple of extra reductions than Nationwide, together with deductions for army members and sure different professionals, and individuals who drive hybrid or electrical automobiles. 

Nationwide, basically, has rather more reasonably priced charges than Farmers. Whereas Nationwide charges are normally on par with or barely beneath the nationwide averages, Farmers is without doubt one of the most costly auto insurance coverage firms historically. Then again, we discovered that Farmers was extra reasonably priced for some drivers than Nationwide. So, if you happen to’re contemplating these two firms, it is best to get quotes from each to be able to examine prices to your particular state of affairs. 

Learn our Farmers auto insurance coverage overview. 

Nationwide vs. USAA Auto Insurance coverage

USAA Auto Insurance coverage is thought for its reasonably priced charges. There may be one main disadvantage to USAA: It is solely out there to lively army members, veterans, and their households. However if you happen to name into these classes, you might be able to save on insurance coverage. USAA is Insider’s decide for the very best auto insurance coverage for army members. 

There are slight protection variations between USAA Auto Insurance coverage and Nationwide. Each supply primary protection choices, together with legal responsibility, collision, and complete. USAA will cowl rideshare drivers who use their vehicle to work beneath Uber or Lyft, however Nationwide will not cowl folks utilizing their vehicles for that objective. Then again, Nationwide presents hole protection, which USAA would not until you additionally finance your car by USAA. 

Learn our USAA auto insurance coverage overview. 

Nationwide vs. Progressive Auto Insurance coverage

Progressive Auto Insurance coverage and Nationwide are each among the many largest auto insurance coverage firms within the nation. They provide the identical forms of protection and related deductions, together with reductions in your deductible. We have discovered that Progressive has barely decrease charges than Nationwide, particularly for drivers who’ve an accident on their driving report. These drivers can pay a mean of $149 with Nationwide, however solely $97 with Progressive. Partially for that cause, Progressive is Insider’s decide for the very best auto insurance coverage for high-risk drivers, together with folks with accidents and DUIs on their report. 

One other main distinction is with the non-compulsory apps that the insurance coverage firms use to overview your driving habits. To be clear, you are not required to make use of Progressive Snapshot or Nationwide SmartRide. However if you happen to do, Nationwide will solely use the info to give you a reduction for protected driving habits. Progressive might also use Snapshot knowledge to justify rising your premiums.

Learn our Progressive auto insurance coverage overview. 

Nationwide Auto Insurance coverage FAQ

Why You Ought to Belief Us: How We Reviewed Nationwide Auto Insurance coverage

To place collectively this overview of Nationwide Auto Insurance coverage, we rigorously went over the insurance coverage that Nationwide presents. We learn the nice print in order that you do not have to (a minimum of at first). We reviewed completely different protection varieties and riders which are out there from Nationwide. 

We additionally reviewed third-party experiences about Nationwide auto insurance coverage. We seemed on the firm’s monetary stability, rankings in comparison with different insurers, and total buyer satisfaction experiences. 

Learn extra about how Enterprise Insider charges auto insurance coverage right here.