When it comes to insurance, one size definitely does not fit all. Nationwide has been a major player in the industry for decades, offering a suite of auto, home, and life insurance products. But how does it stack up in 2025? Are its competitive rates and bundling perks enough to make it your go-to insurer, or are there red flags lurking beneath the surface?
We’ve sifted through the details—policy offerings, customer feedback, third-party ratings, and pricing—to bring you a comprehensive, data-backed review. Let’s break it down.
Nationwide Auto Insurance: Coverage, Costs & Key Features
Is Nationwide the Right Choice for Car Insurance?
Nationwide boasts an extensive selection of auto insurance coverages, including some standout perks not typically offered by competitors. With accident forgiveness and a vanishing deductible, safe drivers could see lower costs over time. However, availability varies by state, and it’s worth noting that customer satisfaction ratings in claims processing are below the industry average.
What Sets Nationwide Apart?
- Customizable Policies: A variety of endorsements allow you to tailor your policy to your needs.
- Usage-Based Discounts: SmartRide and SmartMiles programs reward low-mileage and safe-driving habits.
- Classic Car Insurance: Thanks to a partnership with Hagerty, collectors can insure antique and muscle cars—and even vintage motorcycles.
Auto Insurance Pricing: Is Nationwide Affordable?
Here’s how Nationwide’s average annual premiums stack up against national averages:
| Driver Profile | Nationwide Full Coverage | National Average |
|---|---|---|
| Good Driver, Good Credit | $2,035 | $2,638 |
| Good Driver, Poor Credit | $2,559 | $4,644 |
| Speeding Ticket | $2,995 | $3,204 |
| At-Fault Accident | $2,900 | $3,774 |
| DUI Conviction | $4,762 | $5,106 |
🚗 Key Insight: If you have a clean driving record, Nationwide offers competitive rates, but those with a DUI or accident history may find more affordable options elsewhere.
Customer Satisfaction: What Are Policyholders Saying?
J.D. Power’s 2024 Auto Insurance Study indicates Nationwide lags behind competitors in customer satisfaction. While rates are generally attractive, complaints about claims processing and non-renewal practices have increased.
👉 Reddit Feedback: Some users praised Nationwide for its affordable rates, while others shared frustrating experiences with denied claims and unresponsive customer service.
✅ Pros
- Below-average rates for good drivers
- Plenty of policy discounts
- Nationwide network of agents
❌ Cons
- Below-average J.D. Power ratings for claims satisfaction
- Not available in all states
- Limited 24/7 customer service options
Nationwide Homeowners Insurance: Comprehensive Coverage with a Catch
Who Should Consider Nationwide for Home Insurance?
Homeowners with high-value properties may find Nationwide appealing due to its Better Roof Replacement and Valuables Plus endorsements. However, state availability is a limiting factor—it’s not currently offered to new customers in seven states, including Florida and New Jersey.
How Does Nationwide’s Home Insurance Pricing Compare?
| Dwelling Coverage | Nationwide Average Premium | National Average |
|---|---|---|
| $150K | $939 | $1,344 |
| $300K | $1,592 | $2,181 |
| $450K | $2,131 | $2,934 |
| $750K | $3,408 | $4,189 |
🏠 Takeaway: Nationwide’s home insurance rates are consistently lower than the national average across multiple coverage levels.
Customer Satisfaction: Are Policyholders Happy?
While Nationwide scored above average in the 2024 J.D. Power Property Claims Study, it fell short in overall home insurance customer satisfaction. Complaints about slow claims processing and premium hikes post-renewal have surfaced in online reviews.
✅ Pros
- Competitive pricing
- Customizable endorsements (e.g., enhanced roof coverage)
- Discounts available for bundling
❌ Cons
- Not available in all states
- Below-average customer satisfaction for shopping experience
- No 24/7 customer support for claims
Nationwide Life Insurance: Policy Variety but Limited Digital Access
Nationwide offers a solid selection of term, whole, universal, and variable life insurance products. However, only term policies can be quoted online, which may be a drawback for tech-savvy customers seeking instant rate comparisons.
Life Insurance Pros & Cons
✅ Pros
- Strong policy customization options
- Nationwide network of local agents
- Good financial strength ratings (A+ from AM Best)
❌ Cons
- No final expense coverage
- No online chat support
- Limited online quoting options
If you prefer an agent-driven process and are looking to bundle life insurance with home and auto, Nationwide may be a convenient choice.
How Does Nationwide Compare to Competitors?
| Company | Avg. Auto Full Coverage Premium | Avg. Home Premium | J.D. Power Auto Score | AM Best Rating |
|---|---|---|---|---|
| Nationwide | $2,035 | $1,592 | 728/1000 | A+ (Superior) |
| State Farm | $2,887 | $1,916 | 710/1000 | A++ (Superior) |
| Progressive | $2,388 | N/A | 692/1000 | A+ (Superior) |
| Allstate | $3,297 | $2,487 | 815/1000 | A+ (Superior) |
🚀 Competitive Edge: Nationwide undercuts major competitors on price, but its claims satisfaction scores are not as strong as industry leaders like Allstate and USAA.
Should You Choose Nationwide Insurance?
Nationwide is an excellent choice for customers seeking affordable pricing, strong discounts, and flexible bundling options. However, customer satisfaction concerns—especially in claims processing—shouldn’t be ignored.
Best for:
✔️ Drivers with clean records seeking competitive rates
✔️ Homeowners looking for low-cost policies with strong endorsements
✔️ Customers who prefer working with local insurance agents
Not Ideal for:
❌ People in states where Nationwide doesn’t offer coverage
❌ Those who value top-tier customer service and digital claims processing
❌ High-risk drivers who need better claims support and availability
The Bottom Line
Nationwide’s slogan may be “On Your Side,” but whether that rings true depends on what you prioritize in an insurer. While it offers affordable rates and customizable coverage, its lackluster claims service and limited availability could be deal-breakers for some.
If budget-friendly rates and bundling discounts are at the top of your list, Nationwide is worth considering. But if you demand best-in-class customer service and claims satisfaction, you might want to explore alternatives like USAA or State Farm.
🔍 Next Steps:
👉 Compare Nationwide’s current rates with other top insurers here.
👉 Check out customer reviews on TrustPilot and Reddit.
👉 Visit Nationwide’s official site for policy details.