Nationwide Car Insurance Review 2024

Nationwide Car Insurance Review

Nationwide Car Insurance Review Nationwide provides reasonably priced car insurance for various driving records and age groups, along with beneficial additional coverage options. It has a low level of complaints regarding auto insurance, making it a worthwhile option to explore. Additionally, Nationwide offers usage-based insurance through SmartRide and a pay-per-mile option called SmartMiles, which could help drivers reduce their expenses based on their actual driving habits.

Nationwide Car Insurance has been a trusted name in the insurance industry for years, offering coverage to millions of drivers across the country. But how does it stack up in 2024? In this review, we’ll take a comprehensive look at Nationwide Car Insurance, examining its coverage options, customer service, claims process, and more. Whether you’re a new driver looking for your first policy or a seasoned driver considering switching providers, this review will provide you with all the information you need to make an informed decision. So buckle up and let’s dive into this Nationwide Car Insurance Review 2024!

Outlines Of Guide

Nationwide Car Insurance Review 2024

Nationwide Car Insurance is a reputable insurance provider that offers a wide range of coverage options for drivers. In this Nationwide Car Insurance Review, we will take a closer look at the company’s offerings, customer service, and overall satisfaction ratings.

When it comes to coverage options, Nationwide has you covered. They offer standard auto insurance policies that include liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. Additionally, they offer optional add-ons such as roadside assistance and rental car reimbursement.

One of the standout features of Nationwide is their customer service. They have a 24/7 claims hotline and a user-friendly website where customers can manage their policies and file claims online. Many customers have praised Nationwide for their prompt and helpful customer service representatives who are always willing to assist with any concerns or questions.

In terms of overall satisfaction, Nationwide consistently receives positive reviews from policyholders. Customers appreciate the competitive rates offered by the company as well as the ease of filing claims and accessing policy information online. Additionally, many customers have reported quick claim resolution and fair settlements.

Overall, if you’re in the market for car insurance, Nationwide is definitely worth considering. With their comprehensive coverage options, excellent customer service, and high customer satisfaction ratings, they are a solid choice for protecting your vehicle on the road.

Nationwide Car Insurance Pros And Cons

Nationwide car insurance offers a range of benefits and features that make it a popular choice for many drivers. One of the biggest advantages of Nationwide is its extensive coverage options, which include collision, comprehensive, and liability coverage. This means that no matter what type of accident or incident you may encounter on the road, Nationwide has you covered. Additionally, Nationwide offers several discounts and rewards programs that can help lower your premiums and save you money. These include safe driver discounts, good student discounts, and multi-policy discounts. With its strong financial stability and excellent customer service reputation, Nationwide is a reliable choice for car insurance in 2024.

Pros

  • Offers the cheapest rates for adding a 16-year-old to a parent’s policy compared to the other companies we evaluated.
  • Has the cheapest overall rates for senior drivers among the companies we analyzed.
  • Offers optional coverage of accident forgiveness, gap insurance, new car replacement and vanishing deductible.
  • Nationwide has great rates for drivers with speeding tickets and also those with poor credit.

Cons

  • Auto insurance costs for drivers with a DUI are higher than some top competitors we evaluated.
  • Rideshare insurance is not offered.
  • Collision repair specialists found Nationwide’s collision repair process to be just average, giving it a C grade.

About Nationwide Car Insurance Review 2024

Nationwide Car Insurance is a well-known insurance provider that offers a range of coverage options for drivers. In this 2024 review, we will take a closer look at Nationwide’s car insurance policies and evaluate their benefits and drawbacks. We will assess factors such as customer satisfaction, claims process, coverage options, and pricing to provide you with an objective overview of Nationwide Car Insurance in 2024. Whether you are a new driver or looking to switch insurance providers, this review will help you make an informed decision about your car insurance needs.

Nationwide Car Insurance Rates vs. Competitors

When looking for the best car insurance rates, it is important to compare the prices and coverage offered by different providers. Nationwide is a well-known insurance company that offers competitive rates and excellent customer service. While their rates may not always be the lowest, they provide a range of discounts that can help lower your premium. It’s always wise to compare quotes from other insurers as well to ensure you’re getting the best deal for your needs. Factors such as your driving record, age, location, and type of vehicle can all impact your insurance rates, so it’s essential to consider these when shopping around.

Nationwide Car Insurance Cost Comparison for Good Drivers

Nationwide offers affordable car insurance rates for good drivers, with an average rate that is significantly lower than the national average of $2,026 per year.

Company National average annual cost for good drivers
USAA $1,364
Nationwide $1,436
Travelers $1,521
Geico $1,597
Erie $1,642
Progressive $1,826
State Farm $2,025
Allstate $2,896
Farmers $3,093

Nationwide Car Insurance Cost Comparison for Drivers With a Speeding Ticket

Nationwide has some of the cheapest car insurance costs for drivers with a speeding ticket. A traffic ticket can raise your rates, so it’s vital to shop around for car insurance quotes to find the companies that offer you a good price.

Company National average annual cost for drivers with a speeding ticket
USAA $1,661
Nationwide $1,878
Erie $1,899
Travelers $2,062
Geico $2,150
State Farm $2,270
Progressive $2,350
Allstate $3,312
Farmers $3,951

Nationwide Car Insurance Cost Comparison for Drivers Who Caused an Accident With Injury

Nationwide offers competitive car insurance rates for drivers responsible for accidents resulting in injury to others, with rates approximately $672 lower than the national average of $3,009 per year.

Company National average annual cost for drivers causing an accident with injury
USAA $1,958
Erie $2,224
Travelers $2,293
Nationwide $2,337
State Farm $2,428
Geico $2,748
Progressive $2,770
Farmers $4,412
Allstate $4,545

Nationwide Car Insurance Cost Comparison for Drivers With a DUI

Drivers with a DUI conviction pay an average of $3,363 per year for car insurance nationally. Nationwide’s auto insurance rates are slightly lower than the national average at $3,083, positioning it as a competitive but not inexpensive option for these drivers.

Company National average annual cost for drivers with a DUI conviction
Progressive $2,307
USAA $2,604
Travelers $2,610
Erie $2,665
State Farm $2,716
Nationwide $3,083
Geico $3,723
Farmers $4,272
Allstate $4,315

Nationwide Car Insurance Cost Comparison for Drivers With Poor Credit

Among the companies we studied, Nationwide provides the most affordable auto insurance rates for drivers with poor credit. Its rates are approximately $1,800 less per year than the national average of $3,847 for drivers with poor credit. Auto insurance companies assert that an individual’s credit is linked to the likelihood of making future insurance claims, resulting in higher rates. With the exception of California, Hawaii, Massachusetts, and Michigan, all states permit car insurance companies to consider credit history when determining rates.

Company National average annual cost for drivers with poor credit
Nationwide $2,051
USAA $2,450
Geico $2,482
Travelers $2,699
Progressive $3,221
Erie $3,701
Allstate $4,531
Farmers $4,889
State Farm $7,961

Nationwide Car Insurance Cost Comparison for Adding a Teen Driver

Among the top insurers we examined, Nationwide has the most affordable average car insurance cost for adding a teenage driver by a significant margin. When you add a 16-year-old driver to your policy, you should anticipate paying significantly more for car insurance. Our evaluation of major insurers revealed that the average national cost for adding a teenage driver is $2,359 per year.

Company Increase per year for adding a 16-year-old driver
Nationwide $893
Erie $1,606
Farmers $1,900
Geico $1,982
Progressive $2,062
USAA $2,466
State Farm $2,622
Allstate $2,643
Travelers $2,728

Nationwide Car Insurance Cost Comparison for Young Drivers Ages 18 to 25

Nationwide offers affordable car insurance for drivers aged 18 to 25, with prices more than $600 lower than the national average among the major companies we studied. Young drivers can save on costs by staying on a parent’s policy for as long as they can.

Company National average annual cost for young drivers
Travelers $1,634
Erie $1,941
USAA $2,403
Geico $2,408
Nationwide $2,472
Progressive $2,635
Farmers $3,071
State Farm $3,263
Allstate $4,865

Nationwide Car Insurance Cost Comparison for Senior Drivers Ages 65 to 80

Nationwide’s auto insurance prices for drivers 65 to 80 are cheaper than other large insurers. The national average is $2,150 a year, based on our analysis of top car insurance companies. Nationwide’s rates for senior drivers are around $750 a year below the average.

Company National average annual cost for senior drivers
Nationwide $1,402
USAA $1,455
Travelers $1,668
Geico $1,793
Erie $1,831
Progressive $1,937
State Farm $2,009
Allstate $2,996
Farmers $3,199

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Auto Insurance Complaints Against Nationwide

Nationwide’s auto insurance has garnered commendable ratings, with a low level of customer complaints. Based on complaints registered with state insurance departments across the country, Nationwide is at par with many other large insurers. Additionally, its auto insurance complaints are below the industry average. The primary issues that customers tend to complain about regarding Nationwide’s auto insurance are claim delays, unsatisfactory claim settlement offers, and claim denials. These complaints are crucial for Nationwide to address as they can impact its reputation in the market and affect customer retention rates.

Nationwide’s Grade from Collision Repair Professionals: C

According to a survey conducted by CRASH Network, Nationwide received a C grade from collision repair professionals. The insights of these professionals are crucial as they reveal which insurers promote the use of inferior repair parts, the level of support for recommended repair procedures, and the efficiency of claims processes for drivers.

Does Nationwide Offer Accident Forgiveness?

Nationwide offers accident forgiveness insurance as an optional addition. This means that Nationwide will not raise your car insurance rates following your initial at-fault accident. While accident forgiveness may not be available in all states and comes with an additional cost, it could be a valuable investment for those concerned about potential rate hikes post-accident.

Does Nationwide Offer New Car Replacement?

Nationwide offers new car replacement coverage that can be added to your policy in certain states. This coverage will replace a totaled vehicle with the same make and model if your car is under three years old.

Does Nationwide Offer Gap Insurance?

Nationwide provides loan/lease and gap insurance. Gap insurance helps cover the difference between your vehicle’s actual cash value and the amount you still owe on it in case of a total loss. This optional coverage is recommended for those with a significant car loan on a new vehicle.

Does Nationwide Offer a Diminishing Deductible?

Nationwide offers a diminishing deductible option known as Vanishing Deductible, which reduces the comprehensive and/or collision deductible by $100 for each year of safe driving. The maximum deductible reduction is $500. If you have a $500 deductible and maintain five years of claims-free coverage, your deductible will decrease to $0. If you have an accident and have a Vanishing Deductible, your deductible reward will reset to $100 off instead of returning to the original deductible.

Does Nationwide Offer SR-22s?

Nationwide provides SR-22 insurance, a certificate that some states require. The SR-22 form verifies to the state that you have sufficient car insurance. Those who might need an SR-22 certificate from their insurance company are individuals with DUI convictions or who have driven with a suspended license. If your state mandates an SR-22, you should inform the insurance company and ask for the certificate.

Does Nationwide Offer Usage-Based Insurance?

Certainly! Nationwide offers a usage-based insurance program called SmartRide, which could result in a discount of up to 40%. The SmartRide app tracks your driving habits and progress by monitoring your miles, braking, acceleration, and nighttime driving for a period of four to six months. While the discount applied at policy renewal may be zero, the program will not increase your premiums, and there is no fee to participate in SmartRide.

Does Nationwide Offer Pay-Per-Mile Insurance?

Nationwide provides a pay-per-mile car insurance option known as SmartMiles, which is designed for individuals who drive infrequently and can potentially save them money. SmartMiles offers the same coverage as standard Nationwide policies, but the costs are determined in part by the actual mileage driven. The monthly cost of a SmartMiles policy depends on the number of miles driven. Additionally, SmartMiles members can receive a safe driving discount of up to 10% when they renew their policy. It’s important to note that this program is not offered in all states.

Does Nationwide Offer Rideshare Insurance?

Nationwide does not offer rideshare insurance for drivers working for transportation services like Lyft and Uber. This insurance is necessary to fill the gaps in coverage found in transportation company policies.

Nationwide’s Auto Insurance Discounts

Nationwide Insurance offers a wide range of discounts for auto insurance customers, such as:

  • Accident-free discount. If you have an accident-free driving record, you’re eligible for a discount.
  • Anti-theft discount. If you have an anti-theft device in your car, you may qualify for a discount.
  • Automatic payments discount. This discount applies if you sign up to pay your auto insurance premium with automatic deductions from your bank account.
  • Defensive driving discount. You may be eligible for a discount if you finish a state-approved driver’s safety class. In some instances, this is available only to customers age 55 or older.
  • Good student discount. A discount if you have a young driver ages 16 to 24 who has a “B” average or better in high school or college.
  • Multi-policy discount. Bundling your car insurance with a homeowners insurance policy from Nationwide.
  • Paperless discount. A price break for receiving your insurance bills and documents electronically.
  • Safe driver discount. Nationwide customers with five years or more of good driving, with no tickets, no violations and no accidents, are eligible for a discount.

About Nationwide Insurance

Since its establishment in 1926 as a small mutual auto insurance company, Nationwide has expanded to become one of the largest insurance and financial services companies globally. It is now a Fortune 100 company with headquarters in Columbus, Ohio, offering a diverse range of insurance products for vehicles, property, and business requirements.

What States Does Nationwide Car Insurance Operate In?

Nationwide car insurance can be obtained in 46 states and Washington, D.C., but it is not accessible in Alaska, Hawaii, Louisiana, or Massachusetts.

Other insurance products from Nationwide

In additional car insurance, Nationwide offers a variety of other insurance products, including:

  • Flood insurance.
  • Homeowners insurance.
  • Life insurance.
  • Pet insurance.
  • Renters insurance.
  • Travel insurance.
  • Umbrella insurance.
  • ATV.
  • Boat.
  • Business auto.
  • Business property.
  • Classic car.
  • Condo.
  • Dental.
  • Golf cart.
  • Identity theft.
  • Motorcycle.
  • Personal watercraft.
  • Private client.
  • RV.
  • Scooter.
  • Snowmobile.
  • Trucking and specialty auto.

Methodology

We assessed each car insurance company to determine the best ones by considering their average rates for different drivers, the coverage options provided, any complaints lodged against the company, and collision repair ratings from auto body experts.

Auto insurance rates (50% of score)

Data from Quadrant Information Services was utilized to determine the average rates from each company for various types of drivers and driving scenarios, such as good drivers, those with a history of accidents, speeding tickets, DUIs, poor credit, lack of insurance, as well as the inclusion of teen, senior, and young drivers. The rates are based on coverage for a 40-year-old female driver with a Toyota RAV4 unless specified otherwise.

  • $100,000 for injuries to one person, $300,000 for injuries per accident and $100,000 of property damage (known as 100/300/100).
  • Uninsured motorist coverage of 100/300.
  • Collision and comprehensive insurance with a $500 deductible.

Car insurance coverage options (25% of score)

It is essential for every auto insurance company to offer fundamental liability insurance, collision and comprehensive coverage, as well as other standard options. However, it is equally crucial to have access to supplementary coverage options for increased protection and potential cost benefits. We evaluated companies in this category based on their provision of accident forgiveness, new car replacement, disappearing deductibles, usage-based or pay-per-mile insurance, and SR-22s.

Complaints (20% of score)

Complaint data from the National Association of Insurance Commissioners was utilized. Each state’s department of insurance is responsible for recording and overseeing complaints against companies operating within their respective states. The majority of auto insurance complaints revolve around claims, such as unsatisfactory settlements, delays, and denials. Companies with a ratio below 1.00 experience lower levels of complaints compared to the industry complaint average of 1.00.

Collision repair (5% of score)

We included ratings of insurance firms from professionals in the collision repair industry. The data utilized was sourced from CRASH Network, a weekly newsletter that focuses on the collision repair and auto insurance sectors. CRASH Network’s Insurer Report Card employed ratings from over 1,000 collision repair professionals to evaluate auto insurers based on the excellence of their collision claims service.

Summary

Nationwide car insurance offers a comprehensive and reliable coverage for drivers. With their wide range of coverage options and excellent customer service, Nationwide is a top choice for car insurance. Whether you’re looking for basic coverage or want additional protection, Nationwide has options to meet your needs. Their competitive rates and discounts make it an affordable choice as well. If you’re in the market for car insurance, consider Nationwide for peace of mind on the road.

Faqs

What is the customer satisfaction of Nationwide insurance?

Nationwide Auto Insurance Customer Satisfaction
Nationwide Average Insurance Company Industry Average
Overall Customer Satisfaction 4.1 4.2
Affordability 3.7 3.7
Discounts and Savings Programs 3.7 3.7
Selection of Coverage and Add-Ons 3.9 3.9

How can I get an auto insurance quote from Nationwide?

You can get a free car insurance quote from Nationwide by visiting its website and completing the online form. You can also contact Nationwide by phone to work directly with an agent.

To get a car insurance quote from Nationwide, it’s helpful to have the following information on hand:

  • Your name, birthdate and address.
  • Your phone number and email address.
  • Make, model and year of the vehicle.
  • Vehicle identification number (VIN).
  • Estimated weekly mileage.
  • Desired type and amount of coverage.

Is Nationwide l car insurance good?

Nationwide car insurance is a well-known insurance provider in the United States. Their policies offer a variety of coverage options such as liability, collision, and comprehensive coverage. Additionally, they have excellent customer service ratings and competitive pricing. However, it’s important to compare quotes from multiple insurance providers to ensure you are getting the best coverage at the most affordable price for your specific needs.

Is nationwide a strong insurance company?

What you should know. Nationwide offers a robust car insurance portfolio, but it’s a particularly strong contender for collision and comprehensive coverage, thanks to below average rates and strong customer satisfaction score.

Is nationwide good with claims?

However, in our consumer survey, Nationwide scored an average rating of 4.2 out of 5.0 by customers when asked about claims service.

Is nationwide a stable company?

Nationwide® is a U.S.-based company with a strong and stable financial foundation rooted in asset management and a rich history of disciplined investing. We’re committed to being here for you through the years ahead. We were founded by a group of forward thinkers who joined forces to protect what’s most important.

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