Nationwide Insurance: A Comprehensive Overview of Car Insurance Coverage

Nationwide, a leading player in the car insurance industry since its founding in 1926, continues to offer an array of services and products that cater to a wide range of customer needs. As of 2023, Nationwide car insurance is available across the United States, with the exception of Alaska, Hawaii, Louisiana, and Massachusetts. As a mutual insurance company, Nationwide is owned by its policyholders and competes with major players such as Allstate, GEICO, Progressive, and State Farm.

Coverage Options

Nationwide’s extensive auto insurance coverage options are designed to provide policyholders with peace of mind. These options include bodily injury and property damage liability, personal injury protection (PIP), uninsured/underinsured motorist coverage, medical payments (MedPay), collision and comprehensive coverage, towing and labor coverage, rental car reimbursement, gap coverage, accident forgiveness, roadside assistance, and vanishing deductibles.

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Pricing and Rates

When it comes to pricing, Nationwide offers competitive rates. The national average premium stands at $193 per month, with full coverage rates cheaper than the national average. However, liability-only coverage rates are about average compared to national rates.

Rates also vary by age group. Teens and young adults tend to have higher-than-average rates, while retirees enjoy slightly cheaper rates for full coverage. However, liability policies for retirees are more expensive than the national average. Your driving record also impacts your rates, with clean records attracting higher-than-average rates. Those with a speeding ticket, an at-fault accident, or a DUI should expect significantly higher rates.

Nationwide’s rates also fluctuate based on credit scores, with better rates offered to those with higher scores. Interestingly, Nationwide does not heavily penalize drivers with average or poor credit scores.

Customer Reviews and Service

Nationwide’s customer service ratings are generally lower than average, with experiences varying significantly based on local offices. The claims process is entirely online, receiving mixed feedback from customers. Some praise the ease and speed of the process, while others highlight issues with service and claims adjustment speed.

Discounts and Perks

Nationwide offers a multitude of discounts, including multi-policy, SmartRide (telematics program), SmartMiles (pay-per-mile program), accident-free, good student, defensive driving, anti-theft, safe driver, automatic payments, and paperless discounts.

Other Insurance Products

In addition to auto insurance, Nationwide also provides other insurance products such as homeowners, renters, condo, classic car, boat, snowmobile, ATV, motorcycle, RV, personal watercraft, scooter, golf cart, flood, pet, life, personal umbrella, travel, specialty liability, identity theft, and dental insurance.

Investment and Banking Services

Beyond insurance, Nationwide also offers investment services like retirement planning, annuities, mutual funds, and exchange-traded funds. Banking services are available through its partner, Axos.


Nationwide is renowned for its wide range of coverage options and robust policy features. While its rates tend to be higher than average, especially for liability-only coverage, it offers competitive rates for full coverage. The company is ideal for those with complex insurance needs or those seeking specific coverage options. However, potential customers should be aware of the mixed customer service reviews and compare rates and services with other insurers before making a decision.

Whether you’re wondering “how much is car insurance a month?” or looking for a “nationwide auto insurance quote” or a “nationwide car insurance quote”, Nationwide has got you covered. With Nationwide, you can easily find out “how much in car insurance” you’ll need to pay and get an “auto insurance quote from Nationwide”.

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