Nationwide Auto Insurance Review: Lots of Rewards for Safe Drivers

Nationwide auto insurance is a good fit for safe drivers who want to be rewarded for good behavior behind the wheel. It offers a variety of easily achievable discounts and some rare coverage options that could help drivers save big in an accident. Dive into our full Nationwide auto insurance review below to learn more about what it has to offer.

Nationwide's auto insurance rates fell near the middle of the pack compared to other insurers we reviewed. But everyone's rates are different, so drivers should get a quote to see how much a Nationwide auto insurance policy will cost. People with clean records and low annual mileage on their vehicles will score the most affordable auto insurance rates.

Cost comparison

See how Nationwide car insurance rates compare to the national averages across the auto insurance industry. These rates are broken out by common driver profiles, but specific quotes can vary.

Nationwide is a good source for cheap auto insurance, thanks to a competitive selection of discounts. This includes some rare options like affinity discounts for members of certain organizations. Here's a look at all the ways drivers can save with this insurance company:

• Accident-free discount
• Affinity discount
• Anti-theft device discount*
• Automatic payments discount*
• Defensive driving discount
• Good student discount
• Multi-policy discount
• Paperless discount
• Safe driver discount*
• SmartMiles discounts
• SmartRide discounts

*Discounts available in certain states.

Policy types

• ATV
• Auto
• Boat
• Business auto
• Classic car*
• Golf cart
• Motorcycle
• Personal watercraft
• RV
• Scooter
• Snowmobile

*Product underwritten by Hagerty.

Nationwide offers a good mix of vehicle insurance policies, including some options not seen with every insurer, like boat and personal watercraft coverage. But it is missing rideshare coverage, which many of its competitors now offer.

Coverage types

• Accident forgiveness
• Bodily injury liability
• Collision
• Comprehensive
• Gap insurance
• Medical payments
• Personal injury protection (PIP)
• Property damage liability
• Rental car
• Roadside assistance
• Total loss deductible waiver
• Towing and labor
• Underinsured motorist
• Uninsured motorist
• Vanishing Deductible

Nationwide's policy options cover all the basics and then some. Its standout features include a vanishing deductible and total loss deductible waiver, both of which can save drivers money in the event of a claim. Nationwide's competitors lack many of these options.

Nationwide didn't have the most impressive ratings in J.D. Power's latest Auto Insurance Satisfaction Survey, scoring below average in nearly every region it's featured in. It also has an above-average complaint ratio with the National Association of Insurance Commissioners (NAIC). This indicates that drivers have more problems with Nationwide than they do with other insurance companies of a similar size.

But Nationwide has an A+ rating with the Better Business Bureau (BBB) and is a BBB-accredited business.

• Nationwide business insurance
• Nationwide business property insurance
• Nationwide condo insurance
• Nationwide dental insurance
• Nationwide homeowners insurance
• Nationwide identity theft protection
• Nationwide life insurance
• Nationwide pet insurance
• Nationwide renters insurance
• Nationwide travel insurance
• Nationwide umbrella insurance

Nationwide has an above-average selection of insurance products, making it a great pick for drivers looking to purchase several policies from the same company.

When looking for an auto insurer with affordable rates in all 50 states: Geico is worth a closer look. The company has a variety of discounts and low average rates for most drivers. But it's missing some options Nationwide offers, like gap coverage.

When looking for other rare coverage options: Progressive is an industry leader in terms of offering rare protections, like ridesharing, custom parts, and pet injury coverage. Like Nationwide, it also offers a disappearing deductible for safe drivers. But unlike Nationwide, Progressive doesn't limit the amount drivers can shave off their deductibles.

• Drivers who hope to bundle multiple types of insurance
• Drivers interested in rare coverage options and discounts
• Drivers who want an insurer that rewards good driving

But drivers looking for an insurer that provides reasonable rates in all states may want to take a look at Geico. And Progressive might be a good choice for drivers who can't find certain optional coverages with Nationwide.

At The Motley Fool Ascent, insurers are rated on a scale of one to five stars. We primarily focus on pricing, coverage options, and customer satisfaction; however, we also take into account features like unique discounts, online and app-based experiences, and branch access. Our highest-rated auto insurances generally include low costs, solid coverage, and high customer satisfaction.