Nationwide Auto Insurance: Comprehensive Coverage And Competitive Rates

Nationwide offers auto insurance with a range of benefits, including collision, comprehensive, liability, and medical payments. The company provides instant discounts through its SmartRide and SmartMiles programs, as well as multi-policy discounts of up to 20% when bundling home and auto insurance. Nationwide also offers accident forgiveness and new car replacement coverage. With its On Your Side Claims Service, customers receive personal service and a written guarantee on car repairs when using an On Your Side Auto Repair Network facility. Nationwide's auto insurance rates are relatively low across various driver profiles, including senior drivers, parents adding a teen driver, and drivers with speeding tickets or poor credit.

Nationwide auto insurance is available in 46 states and Washington, D.C

Nationwide offers a range of vehicle insurance products, including car, motorcycle, snowmobile, watercraft, and classic car insurance. They also offer insurance for off-road vehicles, golf carts, boats, and commercial vehicles.

Nationwide auto insurance provides protection for medical expenses, legal fees, property damage, and more. They offer various standard and optional coverages, including collision, comprehensive, liability, and medical payments.

Nationwide also provides several auto insurance discounts, such as multi-policy discounts for bundling home and auto insurance, usage-based insurance programs like SmartRide and SmartMiles, safe driving discounts, and paperless discounts.

The company's On Your Side Claims Service offers personal services, including a written guarantee on car repairs when using their On Your Side Auto Repair Network facilities.

Nationwide's auto insurance rates are relatively low across the board, making it an attractive option for various types of drivers, including those with speeding tickets, poor credit, or a history of accidents.

It offers relatively low-cost car insurance rates

Nationwide offers relatively low-cost car insurance rates across the board for many types of driving records and driver ages. Its average rate for good drivers is well below the national average of $2,026 per year.

Nationwide's car insurance costs are also competitive for drivers with a speeding ticket, with rates that are about $500 cheaper than the national average of $2,561 per year. The company also has some of the cheapest car insurance costs for drivers with a poor credit history. Its rates are nearly $1,800 per year cheaper than the national annual average of $3,847 for drivers with poor credit.

Nationwide also has the lowest average car insurance cost for parents adding a 16-year-old driver to their policy, with rates that are thousands of dollars cheaper than the national average. Its car insurance prices for drivers between the ages of 18 and 25 are also decent, with costs that are over $600 below the national average of $3,113 per year.

For senior drivers, Nationwide's auto insurance prices are cheaper than those of other large insurers. The national average is $2,150 a year, while Nationwide's rates for senior drivers are around $750 a year below that figure.

Nationwide also offers various discounts and ways to save on car insurance, including through bundling, usage-based insurance, a safe driving record, and other discounts. For example, customers can save an average of $646 when they bundle their home and auto policies. The company also offers two usage-based insurance options: SmartRide, which offers a discount based on how safely you drive, and SmartMiles, which provides a rate based on how much you drive.

Overall, Nationwide's low-cost car insurance rates, combined with its various discounts and positive customer reviews, make it a company worth considering when shopping for auto insurance.

It has a low level of auto insurance complaints

Nationwide has a low level of auto insurance complaints relative to its size, according to three years' worth of data from the National Association of Insurance Commissioners.

The company's auto insurance complaints are related to claim delays, unsatisfactory claim settlement offers, and claim denials. However, Nationwide's low level of complaints indicates that it effectively addresses customer concerns and provides satisfactory resolutions.

Nationwide also received a high score for overall satisfaction in a 2023 NerdWallet survey, scoring 79 out of 100. This indicates that Nationwide customers are generally pleased with the company's auto insurance offerings and services.

In addition to its low complaint rate, Nationwide offers a wide range of coverage options and discounts, making it a solid choice for many consumers. The company provides various perks, such as minor accident forgiveness, pet injury coverage, and car key replacement, enhancing its auto insurance offering.

It offers accident forgiveness insurance as an optional add-on

Accident forgiveness insurance is an optional add-on offered by Nationwide. This means that, if you're worried about future rate increases after an accident, you can pay a little extra to ensure your insurance rates don't go up after your first at-fault accident. This is a great option for those who are anxious about the potential financial implications of an accident, giving you peace of mind that you won't face higher insurance costs if you make a mistake.

Nationwide's accident forgiveness insurance is not available in every state, and there is a cost associated with adding this feature to your policy. However, it could be a valuable investment if you're concerned about the possibility of an accident and the resulting financial burden. It's important to note that this add-on only applies to your first at-fault accident, so it's not a reason to become complacent about road safety.

Nationwide also offers other optional add-ons, such as new car replacement coverage and gap insurance. The new car replacement coverage ensures that if your car is totalled and it's less than three years old, they will replace it with the same make and model. Gap insurance, on the other hand, bridges the gap between the actual cash value of your vehicle and what you owe on it if it's totalled, which can be crucial if you have a large car loan.

Nationwide provides a range of auto insurance options to cater to diverse customer needs. They have a low level of auto insurance complaints and offer relatively low-cost insurance rates for various types of driving records and ages. Their collision repair process received a C grade from professionals, which is something to keep in mind. Overall, Nationwide is a competitive choice in the auto insurance market, offering flexibility, affordability, and optional add-ons like accident forgiveness insurance.

It offers SmartRide and SmartMiles usage-based insurance programs

Nationwide offers two usage-based insurance programs: SmartRide and SmartMiles. These programs incentivize safe and low-mileage driving by offering discounts on insurance premiums.

SmartRide

SmartRide is a usage-based insurance program that offers discounts of up to 40% based on driving behaviour. The program uses a mobile app to monitor driving habits such as miles driven, braking habits, fast acceleration, and nighttime driving over a period of four to six months. The app allows drivers to track their progress. At the end of the evaluation period, Nationwide applies a discount to the driver's policy, with the option of zero increases in premiums. There is no cost to join SmartRide, and it is available in most states.

SmartMiles

SmartMiles is a pay-per-mile insurance option that offers flexible monthly rates based on the number of miles driven. It provides the same coverage as standard Nationwide policies but with rates partially determined by actual mileage. SmartMiles includes a safe driving discount of up to 10% upon policy renewal. This program is not available in all states.

Both SmartRide and SmartMiles programs offer instant discounts upon enrolment, allowing drivers to save money while enjoying the same benefits and coverage as standard Nationwide auto insurance policies. These programs are ideal for drivers who practice safe driving habits and those who drive fewer miles, providing opportunities for significant savings on their insurance premiums.

Frequently asked questions