Nationwide auto insurance covers liability (bodily injury and property damage), collision, comprehensive, medical payments, uninsured/underinsured motorist protection, and more. Optional add-ons include roadside assistance, rental car reimbursement, gap coverage, and accident forgiveness.
Nationwide Auto Insurance: 10 Essential Things to Know Before You Buy
Joseph Scott
Published on: May 15, 2025
4 minutes
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The Hidden Risks of Buy Here Pay Here Car DealershipsChoosing the right auto insurance provider is one of the most important financial decisions any driver will make. With hundreds of options available, Nationwide Auto Insurance has built a reputation as one of the most established and trusted names in the industry. Whether you're shopping for the best car insurance nationwide, seeking discounts, or just want to understand what Nationwide car insurance covers, this guide gives you everything you need to know.
In this comprehensive article, we’ll break down Nationwide Auto Insurance coverage, pricing, perks, policy types, and comparisons so you can make an informed decision. Let’s dive into the 10 essential things you need to know.
1. What Does Nationwide Auto Insurance Cover?
Nationwide offers all the standard car insurance coverage options you’d expect from a top-tier insurance provider, including:
- Liability Insurance (Bodily Injury and Property Damage)
- Collision Coverage
- Comprehensive Insurance
- Uninsured/Underinsured Motorist Coverage
- Medical Payments / Personal Injury Protection (PIP)
You can also customize your Nationwide auto insurance policy with optional add-ons like:
- Roadside Assistance
- Rental Car Reimbursement
- Gap Coverage
- Accident Forgiveness
- Vanishing Deductible®
- SmartRide® and SmartMiles® usage-based programs
✅ Smart Tip: Learn more about how extended protection and mechanical breakdown coverage work through Noble Quote’s Learning Center.
2. How Much Is Nationwide Auto Insurance?
The Nationwide auto insurance cost depends on multiple variables including:
- Driving record
- Vehicle type
- ZIP code
- Credit score
- Age and gender
- Coverage selections
According to The Zebra, the average monthly premium for Nationwide is about $90 to $130/month, which is competitive with other top insurers like State Farm, Geico, and Progressive.
3. Nationwide Offers Many Discounts
Nationwide makes it easier to save through a wide variety of discounts. Here are some popular options:
- Multi-policy (Bundling Home & Auto)
- Accident-Free Discount
- Safe Driver Discount
- Good Student Discount
- Anti-theft Device Discount
- Defensive Driving Course Discount
- SmartRide® Telematics Discount
- SmartMiles® Pay-per-mile Discount
Wondering what discounts Nationwide offers for auto insurance? Visit their official discount page to see what's available in your area.
4. SmartRide® and SmartMiles® Programs
If you're looking for ways to pay based on your actual driving habits, Nationwide’s usage-based insurance programs could be perfect:
- SmartRide® rewards safe drivers with up to a 40% discount.
- SmartMiles® is ideal for low-mileage drivers—your premium is based on how much you drive.
SmartRide tracks your speed, braking, acceleration, and nighttime driving. While some may have privacy concerns, most users find the savings worth it.
5. Nationwide’s Claims Process Is Fast and Easy
Filing a Nationwide auto insurance claim is simple and can be done:
- Online
- Through the Nationwide app
- By phone: 1-800-421-3535
Many users report a positive experience with Nationwide auto insurance customer service, which is available 24/7. You can even track your claim in real-time.
6. Customer Satisfaction & Nationwide Insurance Reviews
According to J.D. Power, Nationwide ranks slightly above average in customer satisfaction in certain regions, especially in the Mid-Atlantic and North Central states.
Nationwide insurance reviews often highlight:
✅ Reliable claims process
✅ Strong roadside assistance program
✅ Helpful agents
❌ Slightly higher premiums in some regions
Websites like Consumer Affairs and NerdWallet offer more in-depth reviews if you want to compare customer experiences.
7. Nationwide Roadside Assistance Is Highly Rated
Nationwide’s roadside assistance is available as an optional add-on. It includes:
- Towing up to 100 miles
- Flat tire replacement
- Jump-starts
- Lockout service
- Fuel delivery
This benefit can be accessed anytime, anywhere, giving you peace of mind on long road trips or during your daily commute.
8. Compare Nationwide vs. Other Auto Insurance Companies
How does Nationwide vs Geico or Nationwide vs State Farm compare?
| Feature | Nationwide | Geico | State Farm |
|---|---|---|---|
| Average Monthly Premium | $110 | $105 | $115 |
| Usage-Based Discount Program | Yes (SmartRide) | Yes (DriveEasy) | Yes (Drive Safe) |
| Local Agent Support | Yes | Limited | Yes |
| Roadside Assistance | Optional Add-on | Optional Add-on | Optional Add-on |
| Mobile App Rating (iOS) | 4.6 stars | 4.8 stars | 4.7 stars |
9. Nationwide Auto Insurance for Every Demographic
Nationwide caters to a wide range of drivers, offering unique perks for:
- Teen drivers (via telematics and student discounts)
- Seniors (defensive driving course credits and bundled savings)
- Military members (depending on location and status)
- Drivers in high-traffic states like California, Texas, New Jersey, and Florida
Whether you're a city dweller or a rural commuter, you’ll find tailored Nationwide auto insurance coverage for your lifestyle and risk profile.
10. How to Cancel or Adjust Your Nationwide Auto Insurance Policy
You can cancel Nationwide auto insurance at any time without penalties, although it's smart to have a replacement policy lined up. Contact your agent or call customer service. They’ll walk you through the process and explain any prorated refunds or changes.
If you need to update your policy, you can do so easily in the mobile app or online dashboard. Whether you’re adding a car, a teen driver, or just adjusting coverage limits, it’s all manageable in just a few clicks.
Final Thoughts
If you're looking for reliable, flexible, and personalized coverage, Nationwide car insurance is a strong contender. With comprehensive options, reputable customer service, and value-driven discounts like SmartRide and SmartMiles, it stands out as one of the best car insurance nationwide providers.
Want to explore how to protect your car long-term beyond insurance? Visit Noble Quote’s Learning Center to compare service contracts, warranty options, and more.
Nationwide Auto Insurance FAQs: Honest Answers to Real Driver Questions
What does Nationwide auto insurance cover?
How much does Nationwide auto insurance cost per month?
Nationwide auto insurance typically costs between $90 and $130 per month, depending on factors like your location, driving history, vehicle type, and selected coverage options.
What discounts are available with Nationwide auto insurance?
Nationwide offers a range of discounts, including multi-policy bundling, safe driver rewards, good student discounts, SmartRide® telematics savings, and anti-theft device discounts.
How do I file a claim with Nationwide auto insurance?
You can file a claim online at Nationwide.com, through the Nationwide mobile app, or by calling 1-800-421-3535. Claims can be tracked in real time and customer service is available 24/7.
Is Nationwide a good auto insurance company?
Yes, Nationwide is rated as one of the best car insurance providers nationwide, offering strong customer service, customizable coverage, and innovative discounts through programs like SmartRide® and SmartMiles®.
Can I cancel my Nationwide auto insurance policy at any time?
Yes, you can cancel your Nationwide policy at any time without penalties. It’s recommended to have a new policy in place before canceling to avoid a lapse in coverage.
What is the Nationwide SmartRide® program?
SmartRide® is a telematics program that tracks your driving habits and rewards safe drivers with up to a 40% discount on premiums. It measures factors like speed, braking, acceleration, and mileage.
Does Nationwide offer roadside assistance?
Yes, Nationwide offers optional 24/7 roadside assistance, including towing, battery jump-starts, flat tire replacement, fuel delivery, and lockout services.
How does Nationwide compare to other auto insurance companies like Geico or State Farm?
Nationwide is competitive with Geico and State Farm in terms of pricing and service. It stands out for its personalized agent support, SmartRide® discounts, and reliable claims handling.
Is Nationwide car insurance available in all states?
Nationwide offers auto insurance in most U.S. states, including high-population areas like California, Texas, Florida, New York, and Illinois. Availability may vary by product or discount.
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Every week we showcase three charitable organizations that our donations are sent to. Our clients are able to choose which of these three will receive their gift when they add coverage to their vehicle...