Nationwide Insurance review 2025

Nationwide car insurance cost

According to Bankrate’s study of average premiums obtained from Quadrant Information Services, Nationwide’s annual premium is $1,947 per year for full coverage and $699 per year for minimum coverage. For comparison purposes, the national average cost of car insurance is $2,685 per year for full coverage and $800 per year for minimum coverage. Your rates may vary based on your unique rating factors. Below, we showcase Nationwide’s average premiums compared to the national average for a range of driver profiles.

How much is Nationwide car insurance?

Your driving record typically has a substantial impact on your car insurance rates. Maintaining a clean driving record could be one of the best strategies for finding cheap car insurance. If you have incidents like at-fault accidents or moving violations on your record, you’ll likely pay more for coverage. Below you can see average Nationwide rates after one speeding ticket and one at-fault accident. We included DUI rates, but keep in mind that Nationwide may not extend coverage to all drivers with DUI convictions. You may contact Nationwide directly to discuss your eligibility if you have a DUI on your record.

Nationwide car insurance quotes by age

In most states, your age is also a rating factor for your car insurance, with younger drivers usually paying higher premiums due to their inexperience behind the wheel and higher accident rates. If you have a young driver in your household, it’s typically cheaper to keep them on your policy until they move out and establish their own households. Below, we show Nationwide’s average premiums and the national average for a range of drivers with clean driving records both on and off their parents’ policy.

Compare Nationwide car insurance rates

Although car insurance companies often offer the same insurance products, rates typically vary because each insurer is unique. For instance, one car insurance company might weigh personal factors differently or use different underwriting standards when setting rates. Another insurer might boast impressive discounts in order to provide cheaper rates. Others might focus on customer service and having local offices in a region. Nationwide’s rates are usually lower than the national average and they give other major insurers a run for their money.

Nationwide customer satisfaction

If you want the best insurance company for your needs, looking at third-party reviews may be an important step. AM Best evaluates insurers based on financial strength, and J.D. Power looks more closely at customer satisfaction. We’ve broken down some of Nationwide’s scores in the table below.

Nationwide auto claims satisfaction

Nationwide auto insurance customer complaints

Nationwide car insurance discounts

Discounts may be one of the easiest ways to save on your car insurance. Nationwide offers several discount opportunities to help drivers lower their premiums. Keep in mind that discounts and eligibility could vary by state. Here are some of Nationwide’s car insurance discounts, including the two telematics programs that helped it earn the highest score in the usage-based insurance (UBI) category of the 2024 J.D. Power U.S. Auto Insurance Study:

• Defensive driving: Drivers 55 and over who complete a state-approved defensive driving course may qualify for this discount.
• Good student: If you or a driver on your policy is between the ages of 16 and 24 and is also a full-time student, you may qualify for this discount if you show proof of a B-or-better grade average.
• SmartMiles: Designed for low-mileage drivers, this program tracks your actual miles driven and may adjust your monthly rate accordingly. Driving fewer miles generally means less chance of an accident, so you may see lower rates.
• SmartRide: By enrolling in the SmartRide usage-based telematics program, drivers could earn a discount on their auto policy while also receiving feedback to build safe driving habits.

Nationwide home insurance cost

On average, Nationwide home insurance costs $1,858 per year for a policy with $300K in dwelling coverage. The national average cost of homeowners insurance is $2,267 for the same coverage amount. Rates may vary based on a number of underlying factors, like the unique details of your home, your claims history and how much coverage you need. Below is a comparison of Nationwide’s average rates compared to the national average for several different dwelling limit amounts.

Compare Nationwide homeowners insurance rates

Although insurance companies charge homeowners different rates for coverage based on location, home replacement cost value and policy options, Nationwide consistently offers lower average rates than other major insurers. While your exact premium price may vary based on your unique factors, you could get an idea of how much you might pay with Nationwide compared to other popular insurers.

Nationwide customer satisfaction

Bankrate’s insurance editorial team analyzed third-party customer satisfaction scores reported by J.D. Power, which rates companies on a 1,000-point scale. The higher the score, the higher the customer satisfaction for that company. Keep in mind that J.D. Power issues reports based on many different areas. We looked at J.D. Power’s study regarding customer satisfaction with property claims to see how Nationwide performs.

Nationwide homeowners claims satisfaction

Nationwide home insurance customer complaints

Nationwide home insurance discounts

If you are searching for the cheapest homeowners insurance policy, taking advantage of Nationwide’s home insurance discounts could help lower your premium. Some of Nationwide’s home insurance discounts are listed below, but remember that eligibility and availability vary by state.

• Policy bundling: If you bundle your homeowners and auto insurance under one policy, you may be eligible to receive a discount on your total premium — in fact, Nationwide earned a 2025 Bankrate Award for being the best insurer for bundling.
• Gated community: If you live in a community where the vehicle entrances require a resident key or are monitored by security guards, you might save on your Nationwide home insurance.
• Home purchase: If your home was purchased within the last 12 months, this discount could be applied to your policy.
• Home renovation: If you have recently renovated the plumbing, heating, cooling or electrical systems in your home, this discount could reward you with premium savings on your homeowners policy.
• Smart home: If you add the Notion Smart Home Monitoring System to your policy, you might save on your home insurance. However, this discount and program is only available in select states.

Pros and cons of Nationwide life insurance

If you’re shopping for life insurance and comparing life insurance quotes, it may be helpful to understand that life insurance rates don’t typically vary as much between companies as car or home insurance rates. Your cost of life insurance will likely depend more on your personal rating factors and the coverage types and limits you choose. This means that other features of a company may be more important to review than price. Still, you can find affordable life insurance policies. These are some of the pros and cons we identified with Nationwide life insurance:

Nationwide life insurance riders 

Nationwide offers several life insurance riders to help you personalize your coverage. Available riders may vary based on your eligibility and the product you choose. Here are some of the riders you may be able to add:

• Chronic, critical or terminal illness riders: These allow you to access a portion of your death benefit early depending on a specific medical diagnosis.
• Long-term care rider: Nationwide will accelerate a portion of the death benefit if you need long-term care.
• Children’s term rider: You can receive a death benefit if any of your children pass away.
• Estate protection rider: This rider adds additional coverage to offset an estate tax.
• Accidental death rider: This option provides an additional amount if the death was caused by an accident.
• Premium waiver rider: If you become disabled, after a six-month period, you can receive a premium credit or have the premium waived.

Speaking with a Nationwide agent may help you determine which riders fit your needs, but keep in mind that riders will likely increase your overall life insurance cost.

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC). 
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Bankrate Score

• Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Bankrate Score

• Tier 1 (Ratings): To determine a life insurance company’s financial health and reliability, we assessed several industry-standard ratings, such as J.D. Power, AM Best, Comdex, the National Association of Insurance Commissioners (NAIC), and credit agencies like Moody’s, Fitch and S&P.
• Tier 2 (Coverage options): We assessed companies’ coverage options, availability and policy features to help policyholders find a provider that best meets their needs. We examined each company’s life insurance product lines, including term, whole and universal life options.
• Tier 3 (Accessibility & process): To assess the ease and transparency of applying for coverage, we reviewed the simplicity of obtaining a quote and insurers' underwriting processes — including eligibility requirements. We also considered insurers’ community engagement.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.