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2019 Nationwide Car Insurance Review: +Home & Auto Bundle Quote

Rachel Carey
Financial Guru
Updated: 6/2019
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Nationwide Car Insurance ReviewNationwide’s car insurance options provide coverage that should fit the needs of most car owners. Their auto insurance options can cover you for accidents involving other vehicles, vandalism, weather, animals, and bodily injuries. Nationwide’s policies can be customized to fit your needs and lifestyle.

We have outlined below the types of coverages Nationwide offers under their auto insurance umbrella. Then we show how satisfied Nationwide’s customers are by examining a few reviews of auto insurance companies.

Table of Contents

The Basics – Nationwide’s Liability Coverage

Liability insurance covers two areas, bodily injury and property damage. Depending on the state you live in will determine the minimum amount of coverage you are required to have.

Bodily Injury

If you cause an accident and someone is injured, you may be liable to pay their medical bills and loss of income. Bodily injury liability insurance will pay those damages for you up to the policy’s limit.

Property Damage

If you cause an accident and damage someone else’s car or property, you will be responsible to cover the cost of repairs. Property damage coverage will pay those costs up to your policy’s limit. Nationwide will also cover the cost of your defense in the case you are sued as a result of the accident.

Nationwide Car Insurance Review

Other Auto Insurance Options That Nationwide Offers

Personal Injury Protection

Included in Nationwide’s Personal Injury Protection (PIP) coverage is the payment of medical costs of you and your passengers, no matter which party caused the accident. It also covers lost wages, rehab, funeral costs, and even childcare if necessary. As a no-fault type of coverage, payments can be made quickly, before a decision of blame has been established.

Uninsured and Underinsured Motorist Protection

Often paired together, these insurance options cover you incase another driver causes the accident, but does not have insurance, or enough insurance, to cover your expenses. It will pay your medical bills, lost wages, and damages to your car.

Nationwide’s Uninsured and Underinsured Motorist Protection option can also include coverage while you are not in your car. If you are hit walking down the road, crossing the road, or even riding a bicycle, you can be covered.

Medical Payments Coverage

Liability insurance covers other individuals in case you cause an accident. Medical Payments coverage pays your medical bills. This includes hospital and ambulance costs, necessary medical treatment, doctor or dentist visits, even specialized nursing and chiropractic care.

You also can be covered while riding in someone else’s car or as a pedestrian. Your personal health insurance may cover some of these needs. Compare your health insurance policy with what Nationwide offers to determine how much coverage you may want.

Nationwide’s Vehicle Specific Coverages

Collision and Comprehensive

Regardless of who is at fault in an accident, collision insurance will cover the damage to your car. Nationwide will also cover you in case of a single car accident. For example, you hit an object or roll your car over.

Nationwide’s comprehensive coverage pays for vehicle damage not caused by a collision. It could be caused by falling debris, an animal, the weather, a vandal, or in case of theft.

Towing Expenses and Car Rental Assistance

Getting stranded is a real possibility when traveling. Whether it is due to weather or a breakdown, the need of calling a tow truck can become necessary. With the towing option, Nationwide will cover the towing charge from where your car stopped.

You also have the option of adding labor cost to the towing option. This option will cover the cost of shipping and installation of parts at the sight of your breakdown. In order to add the towing coverage, you must first have comprehensive coverage.

After an accident, you may be left without a means of transportation. Car Rental Assistance helps to cover the costs of renting a vehicle while yours is being repaired. Under this option, you could also be reimbursed for taking a taxi or subway to work.

Gap Coverage

If your vehicle is totaled in an accident, or is stolen and not recovered, your insurance settlement may not fully cover the amount you still owe on your car. Now you are left without a vehicle and a loan payment. Nationwide’s gap coverage added to your collision insurance can finish paying off the loan for you.

Nationwide Car Insurance Review

Special Auto Insurance Options Provided By Nationwide

Accident Forgiveness:

  • Accident Forgiveness: After your first at-fault accident, Nationwide will not raise your insurance rate.

Roadside Assistance:

  • Roadside Assistance: This option covers 24-hour emergency roadside service. The covered services include towing, flat tire change, winching, a jumpstart, gas delivery, and the cost of a locksmith to recover your keys locked inside the car.

Vanishing Deductible and SmartRide:

  • Vanishing Deductible and SmartRide: With the vanishing deductible option, Nationwide will lower your deductible by $100 for each year you drive without an accident. This option is only available for the collision and comprehensive coverages, and compounds yearly until you reach the limit of $500. With the use of the SmartRide app or device they mail to you, Nationwide will allow you to save up to 40 percent off of your premium. They deduct 10 percent just by signing up, and there is no cost to sign up. The SmartRide app or device records your driving habits along four metrics; miles driven, the time you sit idle in traffic, braking and accelerating habits, and the amount of night time driving you do. After about four to six months of recording these metrics, your discount is calculated and applied to your next policy renewal. You will continue receiving the discount as long as you are insured by Nationwide.

Types of Vehicles Nationwide Covers Other Than Cars

  • Motorcycles & Scooters
  • Classic Cars & RV’s
  • Boats & Personal Water Crafts
  • ATV’s & Snowmobiles

What Coverage Nationwide Does Not Offer

Nationwide does not offer Rideshare as a personal vehicle coverage option. Car owners who drive for rideshare companies like Uber or Lyft will have to purchase commercial auto insurance to be covered. The cost of this coverage is normally higher than Rideshare coverage from other auto insurers.

Are Nationwide’s Customers Satisfied with the Service They Are Given?

J.D. Powers 2018 Auto Insurance Review

According to the J.D. Powers Auto Claims Satisfaction Study conducted in 2018, Nationwide received a customer satisfaction rating of average. The study’s conclusion was based on responses from 10,896 individuals who had settled a claim in the previous six months.

Although Nationwide ranked as average in customer satisfaction when compared to other insurers, J.D. Powers notes that overall customer satisfaction with Auto Insurers is at its highest point since they began performing this study.

Everquote Auto Insurance Survey

An Everquote survey conducted among Nationwide car insurance customers gave them a four out of five stars rating for customer service. But only 53 percent were definite yeses when asked if they would choose Nationwide again. Eleven percent were definite nos. Everquote also noted that complaints against Nationwide are less than half of the average against other insurers. This fact was provided by the National Association of Insurance Commissioners.

Insure.com Interviews of Policyholders

Insure.com interviewed policyholders from 20 various auto insurance companies to come up with their 2019 best insurance companies list. Here is how Nationwide measured up in their survey:

Overall customer satisfaction:

  • 84.4%, a 4 1/2 stars rating. This score ranked them 16th in their survey for overall satisfaction.

Claims Processing:

  • 93%, a 5 star rating, ranking 3rd in the survey.

Customer Service:

  • 86%, a 4 star rating.

Value for Price:

  • 78%, a 2 1/2 star rating, ranking them in 19th place.

Who Would Recommend to a Friend:

  • 85%

Who Plan to Renew:Insure.com further notes that with Nationwide’s Family Plan, all who are living under the same roof are able to enjoy the same discounts.

  • 91%, even though many of those surveyed thought the coverage pricing was on the high side.

US News and World Report Review of Customer Experience

US News and World Report reviewed the customer experience and the average annual rates of the 10 largest auto insurance companies in the United States. They found that Nationwide was the 5th cheapest car insurance, ahead of Progressive, Farmers, and Allstate, but behind Geico and State Farm.

US News and World Report ranked Nationwide 6th best overall. Customer service and ease of making a claim was a plus. But value for the price had a negative influence on their ranking. Nationwide ranked better than Progressive and Allstate, but lower than Geico and State Farm.

    Nationwide Car Insurance Review

    Nationwide’s Office of Customer Advocacy

    Nationwide maintains a customer advocacy office. The office is made up of a team of customer advocates headed up by a Chief Customer Advocate. The sole purpose of the team members is to champion the needs of Nationwide’s policyholders.

    The customer advocacy office can be reached either by phone or by email. If you wish, you can ask to speak directly to the Chief Customer Advocate.

    Overall, Nationwide overs a wide range of coverage options. Their policyholders as a group seemed satisfied with the customer service they receive when they need to file a claim. The one area that holds Nationwide back from receiving a better rating than some of their competitors is the cost of their auto insurance options.

    FAQ

    General Nationwide Car Insurance Questions

    Do you have any general Nationwide car insurance questions? If so, check out the FAQs in this section.

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    What is Nationwide insurance?

    Nationwide insurance is a large insurance provider that primarily deals with clients in the United States. The company is not floated on the stock exchange. It is currently owned by its policy holders.

    Where is Nationwide insurance headquarters?

    At present, the Nationwide headquarters is in Columbus, Ohio. This being said, the company has agents all around the country. You can get into contact with a local agent if you need help.

    How to file a claim with Nationwide insurance?

    You have three different ways that you can file a claim with Nationwide. First, you can contact your agent. Second, you can call their main claims phone number. Third, you can log into your online claims portal and submit a claim via the internet.

    Is Nationwide insurance a private company?

    In a way, the company is privately owned — it’s not listed on the stock exchange. Instead, this company is owned by its policy holders. This isn’t pure private ownership, but the company is not publicly traded.

    How to pay Nationwide car insurance online?

    If you want to pay your Nationwide insurance bill online, the process is very straightforward. You can log into your portal and pay your bill directly online. This is one of the most convenient payment options.

    Who owns Nationwide insurance company?

    Nationwide has a unique ownerships structure. At present, the company is owned by its policy holders. The company is not floated on the stock exchange.

    How many Nationwide insurance agents are there?

    While the exact figure isn’t known, Nationwide claims that it is over 10,000. This is a significant number of agents — you’ll be sure to find one in your area if you’re looking for one.

    How much is Nationwide car insurance a month?

    This will depend on your policy and the type of coverage that you’re looking for. It will also depend on a range of variables, such as your age, car value, and more. You should ask for a quote if you want an estimate.

    Is Nationwide car insurance good?

    As with any insurance provider, Nationwide has a mix of positive and negative reviews — you can never please everyone. This being said, it is one of the largest and most recognizable insurance providers in the country.

    Does Nationwide offer gap insurance?

    Yes, you can purchase gap insurance from nationwide if you want additional coverage. Again, this is a great way to minimize your risk if you don’t want to face losing a large sum of money. Don’t confuse this with medigap plans which we cover in another article.

    Who is the CEO of Nationwide insurance?

    The current CEO of Nationwide insurance is Stephen R Rasmussen. Remember, the company is not traded on the stock exchange — it is owned by its policy holders. 

    Does Nationwide offer flood insurance?

    Yes — you can purchase a range of different flood insurance policies from Nationwide. This is a great way to prevent flooding issues in your home — it can be catastrophic if you don’t have coverage.

    How to cancel Nationwide car insurance?

    If you want to cancel your Nationwide coverage, you’ll need to either call your local agent or call the central hotline. Unfortunately, it does not appear that you can cancel your coverage online.

    Can I cancel my Nationwide insurance online?

    Nationwide does not appear to offer an online cancellation method. Instead, you’ll need to contact your local agent or call their central hotline. Make sure to do it quickly if you need to cancel your insurance.

    Can I get my Nationwide insurance card online?

    You can access printable proof of insurance by logging into your online portal. This is a great way to print out proof of insurance if you lose your current form or if you need additional proof.

    Can I tow a motorcycle with Nationwide insurance roadside assistance?

    Yes, as long as you have the right coverage level. You should make sure to ask your agent if your motorcycle insurance includes towing. This could be important if you run into trouble on the roads.

    Can you cancel car insurance at any time Nationwide?

    Nationwide doesn’t provide specific information on this issue. If you want to cancel your insurance, you can contact your agent directly for more information. It may depend on your policy.

    Can you lose your Nationwide insurance for too many claims?

    While Nationwide doesn’t offer any concrete information on this topic, it’s safe to say that you can lose almost any insurance policy if you make too many claims. Insurers may see you as too high-risk.

    Who is the Nationwide insurance girl?

    If you’re wondering who the Nationwide insurance girl is, you’re most likely talking about their commercials. Tori Kelly is the most prominent female in these commercials!

    Who sings the Nationwide insurance commercial?

    If you’re wondering who sings the Nationwide insurance commercial, you’re most likely thinking of Tori Kelly.

    Can I add theft coverage to my Nationwide insurance?

    In most cases, you’ll need to have comprehensive coverage if you want add theft coverage to your plan. But you can speak to your agent for further details. Keep in mind that comprehensive coverage can be very expensive.

    Can I get an insurance quote online Nationwide?

    Yes, you can ask for an insurance quote online via Nationwide if you want to get an estimate of the cost of a policy. This can be a great option if you’re trying to compare rates between providers.

    Nationwide Car Insurance Coverage Questions

    Do you have any questions about Nationwide car insurance coverage? If so, check out some of the questions in this section.

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    Does Nationwide insurance cover pothole damage?

    In most cases, you’ll be able to get insurance coverage for pothole damage. But it is always important to clarify this with your insurance provider or local agent.

    Does Nationwide insurance cover towing?

    If you pay for the roadside assistance, you should be able to receive towing if you have a problem with your car. You need to make sure that you add roadside assistance for your plan to be eligible for this — speak to your agent.

    Does Nationwide insurance cover Uber?

    Nationwide announced it is in the process of making this type of insurance available to its policy holders. It is not clear when this insurance policy will be fully available.

    Does Nationwide auto insurance cover hail damage?

    In most cases, you’ll need to have comprehensive coverage to have hail protection. But Nationwide does offer this service — just make sure to confirm with your agent that you’re covered for hail damage.

    Does Nationwide auto insurance cover rental car if stolen vehicle?

    This will depend on the circumstances, but you should be able to seek rental car reimbursement if you have comprehensive coverage. Just make sure to speak with your agent to ensure you have this level of coverage.

    Does Nationwide auto insurance cover windshield replacement?

    In most cases, you’ll be able to get windshield replacement coverage if you have the right policy. You may also be able to add this independently. Make sure to speak with your agent to see if you have this level of coverage.

    Does Nationwide car liability insurance cover broken windshield?

    This will depend on the type of coverage that you have. If you have a comprehensive plan, you should be covered for windshield damage. Make sure to verify you have the right coverage level with your agent.

    Does my Nationwide auto insurance cover a borrowed car?

    Nationwide does not offer any clear information on this topic. It’s a good idea to speak to your local agent about this before you assume you have this type of coverage. Always double check.

    Does Nationwide do commercial truck insurance?

    Yes, you can obtain commercial vehicle insurance directly through Nationwide. It’s extremely easy to get a quote — you can receive an estimate of your insurance costs by heading online and filling out the relevant details.

    Does Nationwide insurance have accident forgiveness?

    Yes, you can get Nationwide accident forgiveness, but this is not included in all policies. You will need to purchase this additional benefit if you want accident forgiveness. You can contact Nationwide directly to purchase this coverage.

    Other Nationwide Car Insurance Questions

    if you have any other questions about Nationwide insurance, make sure to check out the details in this section.

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    Does insurance rate go down after 21 with Nationwide insurance?

    Nationwide insurance does not provide any specific data on this. Regardless, car insurance rates do tend drop as you age — it will most likely become much cheaper.

    Does Nationwide car insurance have a grace period?

    Unfortunately, you won’t find any clear information about a grade period at Nationwide — this is normally a bad sign. Make sure to ask your agent if you have a grace period or not.

    What bank Does Nationwide insurance use?

    Nationwide insurance does not offer its banking details to the public. You can ask your agent if you want further clarification on this matter.

    Is Nationwide insurance cheap?

    This will depend on the policy that you purchase and a wide variety of different factors. If you want to find out how much it will cost, you can seek a quick quote online. It’s a great way to compare different policies.

    Does Nationwide offer rideshare insurance?

    Nationwide announced that they would be forming a rideshare insurance product for consumers in the United States. Unfortunately, it’s unclear when this insurance product will be available to purchase.

    How Does Nationwide insurance rank?

    If you’re wondering how it ranks in terms of market share, Nationwide is currently the 7th largest in the United States. This makes them one of the largest insurance providers in the world. However, alternative companies like Metromile Insurance are becoming more popular.

    Is Allied insurance the same as Nationwide?

    At present, Allied insurance is a subsidiary of Nationwide insurance. Nationwide also has a range of other subsidiary insurance companies.

    Is Harleysville insurance part of Nationwide?

    Yes. Harleysville Insurance merged with Nationwide in a deal with hundreds of millions of dollars. They now operate under the Nationwide umbrella.

    Is Nationwide insurance a cooperative?

    Nationwide insurance has a weird ownership structure that appears to be a cooperative. In essence, the company is owned by its policy holders. It is not a publicly traded company.

    What Does Nationwide insurance offer?

    Nationwide insurance offers a wide range of different insurance policies. As one of the largest insurance providers in the world, their list of policies is extremely extensive. Make sure to check their website for a full list of available policies at Nationwide.

    What is the phone number for Nationwide insurance?

    If you’re trying to get in touch with Nationwide’s customer service department, you can call 1 (877) 669-6877. Alternatively, you can contact a local agent for more information. You can also make claims online.

    Does Nationwide carry moped insurance?

    Yes, as one of the largest insurance providers in the United States, you’ll be able to obtain moped insurance directly through Nationwide. You can ask for quote online!

    Does Nationwide insurance have student discounts?

    Yes, there is a good student discount at Nationwide, but you’ll need to prove that you’re achieving a certain level of performance. This can be a good way to reduce the cost of your insurance.

    Does Nationwide insurance have vanishing deductible?

    Yes, Nationwide does have the vanishing deductible program that helps you reduce your overall deductible if you don’t have accident. Your deductible will reduce every year that you don’t have an accident.

    Does Nationwide insurance insure campers?

    Yes, if you want to get insurance for your camper you can use Nationwide. The company has designated RV policy that can help you protect your camper from potential damage.

    Does Nationwide insurance offer military discount?

    It does not appear that Nationwide currently offers a military discount to its policy holders. There are a range of other discounts that you may be able to take advantage of — make sure to check them out.

    Rachel Carey

    Rachel Carey

    Financial Guru

    Rachel is dedicated to helping individuals and families boost their budgets so they can enjoy the lifestyle they deserve. Rachel graduated with a degree in Family and Consumer Sciences. She’s a prolific finance writer, producing tons of articles on different aspects of personal and family budget management.

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