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Nationwide Insurance Review

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UPDATED: Aug 5, 2019

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Nationwide OverviewDetails
Year Founded1925
Current ExecutivesSteve Rasmussen, CEO
Number of Employees32,110
Total Assets (2017)$230.6 billion
HQ AddressOne Nationwide Plaza
Columbus, Ohio
Phone Number1-877 On Your Side (1-877-669-6877)
Company Websitewww.nationwide.com
Premiums Written (Auto, 2017)$7,341,476
Loss Ratio66.16%
Best ForBundling coverage

Nationwide Mutual Insurance Company is part of a group of companies operating under the Nationwide name. Together they offer just about any type of insurance or financial service you can think of.

Car insurance is a pretty big part of their operations, with the company ranking at number eight for market share in 2017.

Like other insurance giants, Nationwide had humble beginnings and grew over 85 years to become a household name. In addition to auto insurance, they write specialty vehicle, home insurance, life, and a lot of other types of coverage.

They’re one of the few major companies that actually write their own pet insurance policies. They also offer a range of financial services.

Nationwide’s promise is that they are “on your side”, which is what you want from your insurance company. Unfortunately, what we hope for is not always the true customer experience.

How can you know that Nationwide will give you the coverage you need and really be there for you when you have to use that coverage?

Choosing an insurance company can feel like a big gamble, and it’s easier when you know the horse you’re betting on.

We have gathered all of the information you need about Nationwide to get a good idea of where they stand as a company.

Here you will get the lowdown on Nationwide’s track record including ratings from top agencies and customer complaints. We’ll also cover what they offer on their policies and how much they charge compared to other companies.

Nationwide Ratings

Below you’ll find ratings for Nationwide from a variety of respected and trusted sources. These cover the company’s financial stability, customer ratings, and other consumer surveys. Check out the ratings and then read on for details on what each of them means to you as a potential customer.

Ratings AgencyRating
A.M. BestA+
Better Business BureauA+
Moody'sA1
S&PA+
NAIC Complaint Index0.44
JD PowerClaims Satisfaction 3/5
Shopping Study 2/5
Consumer Reports88
Consumer Affairs2/5
85 reviews

AM Best, the best-known of the financial rating companies, gives Nationwide an A+, or Superior rating for financial outlook.

What that means to you is that Nationwide is on solid financial footing and can be expected to stay that way. They should have no difficulty fulfilling their financial obligations – paying your claims, that is.

The Better Business Bureau (BBB) gives companies a score based on a number of factors. These include the number of complaints filed against the company as well as their response to and settling of complaints. Nationwide has the top score, an A+.

Both Moody’s and Standard and Poor’s (S&P) give Nationwide high ratings for financial stability and creditworthiness; again, this tells you as a potential customer that this company isn’t likely to go out of business and leave you without coverage.

The National Association of Insurance Commissioners (NAIC) complaint index is derived from comparing the number of complaints against a company to their share of the auto insurance market in the U.S.

The national average is 1.16, and Nationwide falls well below that at 0.44. That means they have fewer complaints that other companies based on the amount of car insurance they sell.

J.D. Power is one of the best-known names in consumer satisfaction surveys, and they do two national-level surveys each year as well as a regional survey of overall satisfaction.

In the national survey for 2018, Nationwide was rated two out of five (below average) on the insurance shopping study, and three out of five (average) on the claims satisfaction study.

Nationwide’s performance varies across the regional surveys, but they didn’t earn the top spot in any one area.

Consumer Reports, another well-known consumer survey source, gave Nationwide 88 on its 100-point scale. That puts them on par with competitors like Liberty Mutual and Allstate, both of which also earned 88 points.

Finally, Consumer Affairs – a customer review and rating site – has 85 starred reviews of Nationwide in the past year, with 58 of those being one-star reviews. While that sounds bad, it’s actually a small number of complaints for the size of the company.

Nationwide History

In 1925, the Ohio Farm Bureau created Nationwide as the Farm Bureau Mutual Automobile Insurance Company. It sold its first policy in 1926. The company expanded beyond Ohio quickly, serving six states by 1928. They expanded to a total of 12 states, along with the District of Columbia, by 1943.

By 1955 the company had expanded west, adding 20 more states to its service area, and made a name change to reflect their growth. It officially became known as Nationwide Insurance.

Expansion and acquisitions over the following decades made Nationwide one of the largest insurance groups in the country. They added Nationwide Financial in 1997 and opened Nationwide Bank 10 years later, in 2007.

In 2018 Nationwide ranked at number 67 on the Fortune 500 list, making them one of the biggest insurance companies in the nation. They continue to operate as a mutual insurance company.

In 2015, Nationwide had a 3.74 percent share of the national auto insurance market. That share dropped to 3.56 percent in 2016, and dropped again to 3.17 percent in 2017.

That’s a steady decline in market share, although Nationwide has held onto the number eight spot throughout those three years. It’s come during a time when direct-buy companies like Geico and Progressive have seen a lot of growth, which has affected a lot of companies.

Sales Approach

For a long time, Nationwide operated through a blend of both independent agents and captive agents. In 2018, however, they announced a shift away from captive agents entirely, which is expected to be completed by 2020.

That means that in the future all Nationwide agents will be independent. That can be a good thing for consumers since the agent doesn’t work solely for one customer and can provide a range of options.

Nationwide also offers the option to purchase a car insurance policy directly online as well as over the phone.

Commercials

Nationwide’s jingle is pretty famous and has been around a long time. The slogan “Nationwide is on your side” was introduced in 1965 and turned into a jingle in 1969.

It has since been performed by a variety of people, most recently Tori Kelly.

Another well-known performer on the commercials is country musician Brad Paisley. He is joined by NFL quarterback Peyton Manning, Jr. in a series of amusing commercials called “The Jingle Sessions”. These commercials depict the two working on new songs for Nationwide.

While they often move into humor, Nationwide’s commercials generally focus on the company’s slogan promise – to be there for customers.

Community Service

Nationwide is engaged in a variety of charitable activities, both on a corporate level and through employee volunteers.

The Nationwide Foundation was established in 1959 and provides grants to nonprofits as well as sponsorships to nonprofit events. Since 2000, Nationwide reports for than $467 million in funding to nonprofits through the foundation.

Nationwide also partners with The United Way, The American Red Cross, and Feeding America. Their Community Connect program helps employees to take on and complete volunteer projects.

In 2007, Nationwide donated $50 million to the Columbus Children’s Hospital, which was renamed Nationwide Children’s Hospital in response to the gift. The company continues to support the hospital with annual gifts.

Nationwide’s Position For the Future

Despite a decline in its market share over the past few years, Nationwide is a huge and very strong company. There’s no reason to think they won’t continue to succeed in the future.

Along with the move into independent agents, Nationwide may also increase its online sales presence. Both of these moves could see the company bounce back in terms of market share.

Nationwide Employee Demographics

One of the things that makes an insurance company a good place to do business with is that it’s a good place to work. In this section, we will look at the company’s employees and workplace experience.

According to Payscale, Nationwide has an average employee age of 36 years old, and the average tenure is 4.7 years. The site’s survey reports that 68 percent of employees cited high job satisfaction.

Payscale’s survey ranked Nationwide at a 3.6 out of five overall for workplace satisfaction. That ranks them above State Farm, the biggest auto insurance company in the nation, which earned 3.4.

Glassdoor shows similar numbers, with Nationwide ranking there at a 3.5 out of five for satisfied employees.

Great Place to Work‘s survey resulted in an overall 88 percent of employees saying Nationwide is, in fact, a great place to work. That’s backed by the company’s ranking on the Fortune 100 Best Places to Work two years running, in 2018 and 2019.

While the largest portion of the workforce (26 percent) has been with the company for two to five years, Nationwide has a strong 15 percent of their employees with the company for more than 20 years.

Awards and Accolades

As we just mentioned, Nationwide has been named twice in a row to the Fortune list of the 100 Best Places to Work.

In 2018 they also made People‘s list of Companies that Care. They were also named to Fortune’s Best Places to Work lists for Millenials, for Women, and for Diversity.

They’ve also picked up several other diversity awards. They have been named among the best places to work for Latinos and Latinas, won the Catalyst award for the advancement of female employees, and named a top place to work for diversity by Black Enterprise magazine.

They have earned a spot on the Human Rights Campaign‘s 100 percent Corporate Equality Index for fourteen straight years.

Cheap Car Insurance Rates

We’d all prefer to choose the best insurance company regardless of their rates. Most people, however, have a budget to deal with and need to find the right balance of reputation and cost. So now that we’ve looked at Nationwide’s ratings, how do they stack up for price?

All insurance company rates vary based on factors like where you live, your age, gender, and driving record, and more. We’ll take a look at average Nationwide rates for a variety of scenarios, and compare them to other companies, too.

Rates By State

The table below shows Nationwide’s average rates in each of the states where they write auto insurance, and how they compare to that state’s average rate. Nationwide is not available in four states: Alaska, Hawaii, Louisiana, and Maine.

StateAnnual PremiumHigher or Lower than AveragePercent Higher or Lower than Average
Alabama$2,662.66-$904.30-25.35%
Arkansas$3,861.79-$263.19-6.38%
Arizona$3,496.08-$274.89-7.29%
California$4,653.19$964.2626.14%
Colorado$3,739.47-$136.92-3.53%
Connecticut$3,672.34-$946.58-20.49%
District of Columbia$4,848.98$409.749.23%
Delaware$4,330.21-$1,656.11-27.66%
Florida$4,339.60-$340.86-7.28%
Georgia$6,484.90$1,518.0730.56%
Iowa$2,735.44-$245.84-8.25%
Idaho$3,032.19$53.101.78%
Illinois$2,711.81-$593.67-17.96%
IndianaData Not AvailableData Not AvailableData Not Available
Kansas$2,475.59-$804.03-24.52%
Kentucky$5,503.23$307.835.92%
Maryland$2,915.69-$1,667.01-36.38%
MassachusettsData Not AvailableData Not AvailableData Not Available
Michigan$6,327.38-$4,171.26-39.73%
Minnesota$2,926.49-$1,476.76-33.54%
Missouri$2,265.35-$1,063.58-31.95%
Mississippi$2,756.53-$908.04-24.78%
Montana$3,478.26$257.427.99%
North Carolina$2,848.03-$545.08-16.06%
North Dakota$2,560.35-$1,605.49-38.54%
Nebraska$2,603.94-$679.74-20.70%
New Hampshire$2,491.10-$660.67-20.96%
New JerseyData Not AvailableData Not AvailableData Not Available
New Mexico$3,514.38$50.741.46%
Nevada$3,477.14-$1,384.56-28.48%
New York$4,012.93-$276.95-6.46%
Ohio$3,300.89$591.1821.82%
OklahomaData Not AvailableData Not AvailableData Not Available
Oregon$3,176.83-$290.94-8.39%
Pennsylvania$2,800.37-$1,234.13-30.59%
Rhode Island$4,409.63-$593.73-11.87%
South Carolina$3,625.49-$155.65-4.12%
South Dakota$2,737.66-$1,244.61-31.25%
Tennessee$3,424.96-$235.93-6.44%
Texas$3,867.55-$175.73-4.35%
Utah$2,986.57-$625.32-17.31%
Virginia$2,073.00-$284.87-12.08%
Vermont$2,128.21-$1,105.92-34.20%
Washington$2,129.84-$929.48-30.38%
West VirginiaData Not AvailableData Not AvailableData Not Available
Wisconsin$5,224.99$1,618.9344.89%
Wyoming$3,187.20-$12.88-0.40%
Median$3,187.20-$473.69-12.94%

In all but nine of the 46 states (plus D.C.) where Nationwide writes auto insurance, the company comes in below average. And in most cases, they aren’t that far above average.

Notable exceptions are Wisconsin – the most expensive state at 30 percent above average – and California at just over 20 percent more than average.

The cheapest place to have Nationwide is Michigan, where rates are 65 percent below average.  Midwest states like Minnesota and North Dakota are on the cheap side as well, along with Maryland and Vermont.

Surprisingly, Nationwide is about 17 percent above average in the company’s home state, Ohio.

Rates Compared to Top Companies

This table will show you average rates by state for the top ten car insurance companies in the country, one of which is Nationwide.

StateAverage Annual PremiumsAllstateAmerican FamilyFarmersGeicoLiberty MutualNationwideProgressiveState FarmTravelersUSAA
Alabama$3,566.96$3,311.52Data Not Available$4,185.80$2,866.60$4,005.48$2,662.66$4,450.52$4,798.15$3,697.80$2,124.09
Arkansas$4,124.98$5,150.03Data Not Available$4,257.87$3,484.63Data Not Available$3,861.79$5,312.09$2,789.03$5,973.33$2,171.06
Arizona$3,770.97$4,904.10Data Not Available$5,000.08$2,264.71Data Not Available$3,496.08$3,577.50$4,756.25$3,084.74$3,084.29
California$3,688.93$4,532.96Data Not Available$4,998.78$2,885.65$3,034.42$4,653.19$2,849.67$4,202.28$3,349.54$2,693.87
Colorado$3,876.39$5,537.17$3,733.02$5,290.24$3,091.69$2,797.74$3,739.47$4,231.92$3,270.77Data Not Available$3,338.87
Connecticut$4,618.92$5,831.60Data Not AvailableData Not Available$3,073.66$7,282.87$3,672.34$4,920.35$2,976.24$6,004.29$3,190.00
District of Columbia$4,439.24$6,468.92Data Not AvailableData Not Available$3,692.81Data Not Available$4,848.98$4,970.26$4,074.05Data Not Available$2,580.44
Delaware$5,986.32$6,316.06Data Not AvailableData Not Available$3,727.29$18,360.02$4,330.21$4,181.83$4,466.85$4,182.36$2,325.98
Florida$4,680.46$7,440.46Data Not AvailableData Not Available$3,783.63$5,368.15$4,339.60$5,583.30$3,397.67Data Not Available$2,850.41
Georgia$4,966.83$4,210.70Data Not AvailableData Not Available$2,977.20$10,053.44$6,484.90$4,499.22$3,384.88Data Not Available$3,157.46
Iowa$2,981.28$2,965.86$3,021.81$2,435.72$2,296.16$4,415.28$2,735.44$2,395.50$2,224.51$5,429.38$1,852.57
Idaho$2,979.09$4,088.76$3,728.79$3,168.28$2,770.68$2,301.51$3,032.19Data Not Available$1,867.96$3,226.29$1,877.61
Illinois$3,305.48$5,204.41$3,815.31$4,605.20$2,779.16$2,277.65$2,711.81$3,536.65$2,344.88$2,499.76$2,770.21
Indiana$3,414.97$3,978.81$3,679.68$3,437.55$2,261.07$5,781.35Data Not Available$3,898.00$2,408.94$3,393.75$1,630.86
Kansas$3,279.62$4,010.23$2,146.40$3,703.77$3,220.65$4,784.42$2,475.59$4,144.38$2,720.00$4,341.43$2,382.61
Kentucky$5,195.40$7,143.92Data Not AvailableData Not Available$4,633.59$5,930.97$5,503.23$5,547.63$3,354.32$6,551.68$2,897.89
Maryland$4,582.70$5,233.17Data Not AvailableData Not Available$3,832.63$9,297.55$2,915.69$4,094.86$3,960.87Data Not Available$2,744.14
Massachusetts$2,678.85$2,708.53Data Not AvailableData Not Available$1,510.17$4,339.35Data Not Available$3,835.11$1,361.86$3,537.94$1,458.99
Michigan$10,498.64$22,902.59Data Not Available$8,503.60$6,430.11$20,000.04$6,327.38$5,364.55$12,565.52$8,773.97$3,620.00
Minnesota$4,403.25$4,532.01$3,521.29$3,137.45$3,498.54$13,563.61$2,926.49Data Not Available$2,066.99Data Not Available$2,861.60
Missouri$3,328.93$4,096.15$3,286.90$4,312.19$2,885.33$4,518.67$2,265.35$3,419.14$2,692.91Data Not Available$2,525.78
Mississippi$3,664.57$4,942.11Data Not AvailableData Not Available$4,087.21$4,455.94$2,756.53$4,308.85$2,980.48$3,729.32$2,056.13
Montana$3,220.84$4,672.10Data Not Available$3,907.55$3,602.35$1,326.11$3,478.26$4,330.76$2,417.74Data Not Available$2,031.89
North Carolina$3,393.11$7,190.43Data Not AvailableData Not Available$2,936.69$2,182.71$2,848.03$2,382.61$3,078.65$3,132.66Data Not Available
North Dakota$4,165.84$4,669.31$3,812.40$3,092.49$2,668.24$12,852.83$2,560.35$3,623.06$2,560.53Data Not Available$2,006.80
Nebraska$3,283.68$3,198.83$2,215.13$3,997.29$3,837.49$6,241.52$2,603.94$3,758.01$2,438.71Data Not Available$2,330.78
New Hampshire$3,151.77$2,725.01Data Not AvailableData Not Available$1,615.02$8,444.41$2,491.10$2,694.45$2,185.46Data Not Available$1,906.96
New Jersey$5,515.21$5,713.58Data Not Available$7,617.00$2,754.94$6,766.62Data Not Available$3,972.72$7,527.16$4,254.49Data Not Available
New Mexico$3,463.64$4,200.65Data Not Available$4,315.53$4,458.30Data Not Available$3,514.38$3,119.18$2,340.66Data Not Available$2,296.77
Nevada$4,861.70$5,371.62$5,441.18$5,595.56$3,662.09$6,201.55$3,477.14$4,062.57$5,796.34$5,360.41$3,069.07
New York$4,289.88$4,740.97Data Not AvailableData Not Available$2,428.24$6,540.73$4,012.93$3,771.15$4,484.58$4,578.79$3,761.69
Ohio$2,709.71$3,197.22$1,515.17$3,423.01$1,867.19$4,429.74$3,300.89$3,436.96$2,507.88$3,135.16$1,478.46
Oklahoma$4,142.33$3,718.62Data Not Available$4,142.40$3,437.34$6,874.62Data Not Available$4,832.35$2,816.80Data Not Available$3,174.15
Oregon$3,467.77$4,765.95$3,527.28$3,753.52$3,220.12$4,334.55$3,176.83$3,629.13$2,731.48$2,892.19$2,587.15
Pennsylvania$4,034.50$3,984.12Data Not AvailableData Not Available$2,605.22$6,055.20$2,800.37$4,451.00$2,744.23$7,842.47$1,793.37
Rhode Island$5,003.36$4,959.45Data Not AvailableData Not Available$5,602.63$6,184.12$4,409.63$5,231.09$2,406.51$6,909.45$4,323.98
South Carolina$3,781.14$3,903.43Data Not Available$4,691.85$3,178.01Data Not Available$3,625.49$4,573.08$3,071.34Data Not Available$3,424.77
South Dakota$3,982.27$4,723.72$4,047.47$3,768.80$2,940.29$7,515.99$2,737.66$3,752.81$2,306.23Data Not AvailableData Not Available
Tennessee$3,660.89$4,828.85Data Not Available$3,430.07$3,283.42$6,206.69$3,424.96$3,656.91$2,639.30$2,738.52$2,739.28
Texas$4,043.28$5,485.44$4,848.72Data Not Available$3,263.28Data Not Available$3,867.55$4,664.69$2,879.94Data Not Available$2,487.89
Utah$3,611.89$3,566.42$3,698.77$3,907.99$2,965.57$4,327.76$2,986.57$3,830.10$4,645.83Data Not Available$2,491.10
Virginia$2,357.87$3,386.80Data Not AvailableData Not Available$2,061.53Data Not Available$2,073.00$2,498.58$2,268.95Data Not Available$1,858.38
Vermont$3,234.13$3,190.38Data Not AvailableData Not Available$2,195.71$3,621.08$2,128.21$5,217.14$4,382.84Data Not Available$1,903.55
Washington$3,059.32$3,540.52$3,713.02$2,962.00$2,568.65$3,994.73$2,129.84$3,209.52$2,499.78Data Not Available$2,262.16
West Virginia$2,595.36$3,820.68Data Not AvailableData Not Available$2,120.80$2,924.39Data Not AvailableData Not Available$2,126.32Data Not Available$1,984.62
Wisconsin$3,606.06$4,854.41$1,513.27$3,777.49$3,926.20$6,758.85$5,224.99$3,128.91$2,387.53Data Not Available$2,975.74
Wyoming$3,200.08$4,373.93Data Not Available$3,069.35$3,496.56$1,989.36$3,187.20$4,401.17$2,303.55Data Not Available$2,779.53

Nationwide’s rates are lower than other big companies in a lot of states. They even manage to outprice low-cost insurance leaders Geico and Progressive in some states.

Rates By Commute

Nationwide isn’t one of the insurance companies where you need to worry about a longer commute impacting rates. There is little difference in these comparison rates.

Commute TypeNationwide Average Rate
10-mile, 6,000 miles annually$3,437.33
25-mile, 12,000 miles annually$3,462.67

Rates By Coverage Level

Nationwide is a company where you can afford a higher level of coverage. The numbers below show minimal increases even between low and high levels.

Coverage LevelAverage Nationwide Rate
Low$3,394.83
Medium$3,449.80
High$3,505.37

Rates By Credit History

While people with poor credit pay double what those with good credit pay at many companies, Nationwide’s average rates don’t jump quite as much.

Credit HistoryNationwide Average Rates
Poor$4,083.29
Fair$3,254.83
Good$2,925.94

Rates By Driving Record

No matter what company you’re considering, you can expect that a driver with a clean record will get the best price. But from there, companies vary quite a bit in terms of what they charge for tickets, accidents, and other violations. Here’s what Nationwide charges on average for a clean record and four different scenarios.

Driving RecordNationwide Average Rate
Clean Record$2,746.18
1 Speeding Ticket$3,113.68
1 Accident$3,396.95
1 DUI$4,543.20

Nationwide’s rates don’t take much of a hike for a speeding ticket, but a DUI is going to result in a pretty big increase.

Coverages Offered

All insurance companies offer the basics – what you need to be on the road legally. When it comes to optional coverage, there are some standard inclusions there too. There are also common and not so common options that may or may not be available depending on the company.

Types of Coverage

Nationwide operates in many different states, each with its own laws regarding insurance. Depending on where you live, you will need to carry a minimum policy that includes some or all of these basics:

  • Bodily Injury Liability
  • Property Damage Liability
  • Personal Injury Protection (PIP)
  • Medical Payments (MedPay)
  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured/Underinsured Motorist Property Damage

Even if your state’s laws don’t require all of these, they are worth considering as options. Adding liability coverage can help create a comprehensive policy and protect you financially from an accident.

Nationwide offers these options, which vary by state:

  • Collision
  • Comprehensive
  • Roadside Assistance
  • Rental Car Reimbursement
  • Gap Coverage
  • Total Loss Deductible Waiver
  • Accident Forgiveness

There are some other things you can add to your policy as well, which we’ll look at shortly.

Bundling

Nationwide offers a lot of different products, which makes bundling with them a true one-stop shopping experience.

Discounts are available for bundling auto with home, renters, life, and boat insurance. There are other combinations that can also earn you a discount, such as bundling a motorcycle policy with a home or renters policy.

Area of Operation

Nationwide auto insurance is available in 46 states as well as the District of Columbia.

They don’t currently offer car insurance in Alaska, Louisiana, Maine, and Hawaii.

Additional Options

Nationwide has a few other options available that can add value to your policy as well as reduce your costs.

Vanishing Deductible is an optional program that reduces your deductible by $100 each year that you remain accident-free.

The first $100 credit is applied 30 days after the option is added to the policy, and each year an addition $100 credit is given. The maximum credit is $500, which could be the entire deductible depending on your policy.

Smart Ride is Nationwide’s usage-based program. It uses a plug-in device to record driving habits for a period of four to six months. The data is used to calculate a discount. There is an initial discount just for signing up, which will be replaced with your calculated discount at the end of the program.

Smart Ride records similar information to most such programs: braking, acceleration, time of day, and miles driven. It also records time spent idling, which is an unusual factor to consider.

Nationwide also integrates its Smart Ride program with Amazon Alexa.

Nationwide offers BonusDrive, a cash-back incentive program for those buying a new car. The program gives the insured $500 cash back when they purchase a new vehicle from a specific list of car companies.

In addition to the cash back, Nationwide has an Auto Shopping Service to help with the purchase of a new or used vehicle. Run by TrueCar, which is used by several major insurance companies, the plan offers discounted prices and other benefits.

The On Your Side Repair Network is Nationwide’s preferred repair shop program. Repairs done by a participating shop are guaranteed for as long as you own the vehicle.

Nationwide recently launched Smart Miles, their pay-per-mile program, making them one of only a handful of insurance companies to offer it. It’s currently available only in Illinois.

It’s worth noting that Nationwide doesn’t currently offer car insurance coverage for rideshare drivers. However, in March of 2019, they announced plans to work on an on-demand insurance plan for rideshare drivers in association with Slice Labs. That coverage is not yet available at the time of this review.

Discounts Offered

Nationwide offers a lot of different discounts to help bring down insurance premiums. Here’s a list of what’s available, how to qualify, and what the discount might be.

DiscountPercentage Off (up to)Details/Requirements
Anti-theft DeviceVariesVehicles equipped with qualifying anti-theft device
Easy Pay PlanNot stated, one-time discountSet up automatic withdrawal of premium payments
Paperless BillingNot statedSign up for online policy management
Safe Driver10%Discounted rate after five years with a clean record
55+ Defensive Driving Course5%Drivers over age 55 and complete a defensive driving course.
Multi-Car20%Insure more than one vehicle with Nationwide
Good StudentNot statedStudents ages 16-24, enrolled in high school or college, with a B average or better.
Auto and Home20% off total (both policies)Have both auto and home (homeowners or renters) in force with Nationwide
Auto and LifeNot statedHave both auto and life in force with Nationwide
Auto and BoatNot statedHave both auto and boat insurance in force with Nationwide
Affinity GroupVariesMembers of affinity groups such as alumni organizations, special interest groups, and professional associations
SmartRide10% for signing up
40% (up to) after program ends
Must install and use the Smart Ride plug-in device for four to six months
Vehicle Safety DeviceVariesVaried discounts for safety equipment such as anti-lock brakes, airbags, and electronic stability control

Nationwide doesn’t provide a lot of information in terms of how much each discount is, probably because it does vary from state to state.

While we did see discounts like those for a new car, early signing, and homeowner listed elsewhere as being available from Nationwide, those discounts aren’t among the ones listed on the company’s website. Early signing does show up during the quote process, which tells us the list of discounts on the website is incomplete.

Notably absent from Nationwide’s list are a military discount and any sort of green vehicle discount. They do offer more bundling discounts than some other insurance companies, but it’s not clear how much it will really reduce your car insurance rate.

A lot of Nationwide’s discounts are focused on safe driving habits, which makes the company a good choice for those with a clean record and willing to do things like take a defensive driving course and enroll in the usage-based program.

How To Make a Claim

Claims are the real test of any insurance company. That’s what an insurance policy is for – to pay claims when they happen. How does Nationwide do when it comes to claims handling?

First, we’ll look at the company’s loss ratio. This number tells us how much an insurance company pays out compared to how much they take in each year in premiums.

A good loss ratio is neither too high (they’re paying out more than they can afford to and are at risk of financial trouble), nor too low (they’re not paying out claims as they should be).

Nationwide Premiums and Loss Ratio201520162017
Direct Premiums Written$7,468,708$7,640,558$7,341,476
Loss Ratio67.50%75.67%66.16%

Nationwide’s loss ratio took a jump in 2016 but went back down in 2017 to a number more in line with the industry total of 68.79 percent. Even at the higher 2026 number, Nationwide is still in a pretty good position in terms of loss ratios. They’re paying out as they should while still keeping reserves to pay future claims.

Filing a Claim

Nationwide’s On Your Side Claims Services promises to handle your auto claim quickly, efficiently, and with as little hassle for you as possible.

There are several ways to file a claim:

  • Online on the Nationwide site
  • Over the phone at  1-800-421-3535
  • By contacting your agent, if you have one
  • Using the Nationwide app

Both the app and your customer account on the website include claim status tracking.

There are a separate claim phone number and online report form for auto glass-only claims. That number is 1-800-890-1375. Safelite, a national glass repair and replacement company that works with most of the major insurance companies, handles auto glass claims.

How To Get a Quote Online

The entire process of quoting and purchasing a policy can be done online on Nationwide’s site. The front page of the website includes a quote box.

Nationwide Quote

After you enter your zip code, you’ll need to enter all of your contact information, including home address, email address, and phone number. They’ll ask you to check off a box giving permission for Nationwide to contact you for a variety of purposes including marketing, but you don’t have to check this to continue.

Nationwide quote

 

If you don’t want to deal with solicitation, leave the box unchecked and continue with the quote.

The next section will pull up available records for vehicles at your address, and also give you the opportunity to add vehicles that aren’t listed.

Nationwide quote

After adding vehicle information, the next section will ask for driver details.

Nationwide quote

The following steps will cover previous/current insurance information and go over the discounts for which you might qualify. Finally, you will receive quotes.

In this section, you can adjust the coverage you want in order to finalize the quotes based on your chosen limits and deductibles.

Nationwide quote

You will need these items to get a quote from Nationwide.

InformationRequired/Not Required
Driver's License NumberNot required
Social Security NumberNot required
Phone NumberRequired
Email AddressRequired
Vehicle Identification NumberNot required

The table above applies to the quote process – if you want to apply for coverage, all of the above will be required.

Nationwide’s Website and App

Nationwide’s website is easy to navigate, with top-level menus offering quick access to the most commonly needed information. That includes product information, claims, and contact information.

The repeated moving images on the front page have the potential to make it slower to load if you’re not on a strong internet connection and make the page feel a little less clean.

Information on products and services is easy to locate. There is also a range of articles available on the site covering useful topics from car seat safety to preparing for a teen driver.

Overview

Nationwide App Home Page

Nationwide’s Mobile app appears to have been created out of necessity rather than from creative genius. It does provide some basic utility, unfortunately much of which can be lost due to poor user experience.

To be clear, Nationwide has two (2) mobile applications. Nationwide Mobile is a downloadable to manage insurance policies, including paying bills, locating local agents and receiving rate quotes. Nationwide Bank is their app used for mobile banking via Nationwide’s banking services.

They are both free to download.

Device Availability

Both the Nationwide Mobile and Nationwide Bank apps are available for Apple and Android products. They can be downloaded for these devices from the App Store and Google Play respectively.

Specifically the apps work on iPhone, iPad, Android smartphones and tablets.

App Features

Nationwide App Account InformationNationwide Mobile

Nationwide has done an OK job of bringing practicality and ease of use to end users. Without having an account with Nationwide I am able to get a quote from my phone, browse local agents and gather general information about the company.

Let’s take a look at what someone with a Nationwide account can do with this downloadable:

  • Get a quote
  • View/edit account details
  • View electronic insurance cards
  • Locate an agent
  • Find accident help
    • Call a tow truck
    • Find a repair shop
    • Accident checklist
  • Start or view a claim
    • Start a new auto claim
    • Continue an auto claim
    • Start a new life claim

Nationwide Bank

Like Nationwide’s insurance mobile application used to manage your policy, the Nationwide Bank app gives people access to bank account information on the go.

My question is why two different apps?

With the Nationwide Bank® mobile app you can:

  • Deposit checks with eDeposit
  • Pay bills
  • Check account balances
  • View transaction history
  • Transfer funds
  • Find ATMs

Google Play/ iTunes Reviews

Google Play rates the Nationwide Mobile app at 3.8 stars out of 5 based upon 837 reviews. iTunes rates it a bit lower at 3 stars based upon a much greater sample size of 3,552 reviews.

Google Play rates Nationwide Bank® just about the same as the mobile policy app at 3.6 stars, however, this is based only on 82 reviews. iTunes has even fewer reviews at just 32 with a combined rating of 2 stars.

iTunes App Store

Google Play
Pros

  • Functional
  • Easy to use

Cons

  • Slow
  • Very Basic
  • Uninspired

Nationwide hasn’t really done anything special here. They just seem to be lacking any creative focus. Insurance and banking are pretty boring by themselves, and these apps are a reflection of that.

That being said, these apps will help you manage your insurance policy and/or banking with Nationwide just fine.

ProsCons
Choice of an agent or buying coverage directly.Customer satisfaction ratings are average to below average
One-stop shopping with lots of bundling optionsNo rideshare insurance available
Rates are below average in most statesFewer add-on options than many other companies

Frequently Asked Questions (FAQ)

We might not have answered all of your questions about Nationwide’s auto insurance, so here are a few more questions and their answers. If your answer still isn’t here, head over to Nationwide’s auto insurance page for more information.

Does choosing an agent versus buying directly change the price? No. Quoted prices are the same whether you have an agent help you with your insurance or buy it yourself directly. Quotes can change, however, based on information discovered after the quote, like a ticket you forgot to mention.

Can using Smart Ride increase my rates? No. There are some usage-based programs where the data gathered can result in an increase in rates. Nationwide, however, will only use the data to calculate a discount.

Will Smart Miles be available in other states? Yes. Nationwide plans to roll the program out in other states throughout 2019, but which states will be included isn’t known just yet.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

Summary
Review Date
Reviewed
Nationwide Insurance
Author Rating
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

35 Comments

  1. Overall, my experience with my home claim has been a complete disaster.

    My insurance agent has been great, but the adjuster has been a nightmare.

    They act like a general contractor, and think their bid is as good as gold.

    My bids ranged from 17k-20k, and Jeremy Chapman (the adjuster), estimated 7k.

    They’re making this nearly impossible!

    Nationwide is a complete joke, and I highly recommend the use of another insurance company.

    My claim has been open for almost three months, and it still hasn’t been resolved.

    If you have a claim, good luck getting adequate compensation.

    Reply
  2. I wouldn’t recommend Nationwide at all worst company ever they are not on your side.

    I paid my bill every month had full coverage. My car was stolen while I was out of state.

    My car thank god was found but Nationwide told me not to go get it that they would move it to a secure lot that didn’t charge storage fee’s and they would have an adjuster go look at it to determine damages.

    Its been 5 months and I still haven’t received anything in writing from them only voice messages and emails after I called.

    Anyways a month after it had been recovered and moved I finally got a hold of claims adjuster and she only then had informed me over the phone that my car had been deemed total loss.

    (Still nothing in writing) I assumed then they would pay the finance company then gap if any leftover would pay.

    The next thing I received was after 4 months was a letter from my finance company that they repo and sold my car and that I owed over 9,000.

    Surprised me when Nationwide had my car deemed it a loss and should have taken care of it.

    so now I have a repo on my credit report late payments of 90 days.

    Then I receive a collections letter from Nationwide for policy charge of last month of coverage when I didn’t even have the car and the amount was 2 times the normal.

    I tried to keep it short here but to the point.

    All along I did call and email asking what they were going to pay what the damages were if there was an option to buy my car back but got nowhere

    Reply
    • Hello Rebecca,

      That sounds like a terrible experience. I am an independent insurance agent that has experience with a lot of companies.

      I could never speak on your exact claim but I can tell you that none of that sounds like the normal experience with Nationwide.

      I hold the companies I represent accountable and I rarely have to push very hard to get the ball rolling to the next step in a claim process with Nationwide.

      You must not have had an agent right? A lesson to some out there that get their policies online or directly through the 800 sales line in which you never speak to that agent again.

      Good professional Independent agents have a value which some may not experience, while others like you would in a situation like this.

      Funny thing is it would be hard for you as the customer to actually know that the agent made sure it happen as expected.

      Think twice, our costs for insurance are not going to decrease dramatically if they go with more tech and direct sales agents.

      On a side note, for others that may run into total loss scenarios in the future, while I am sure many would simply say “that is dumb” but when a car is determined a total loss it is our job as the insured to get the policy canceled effective the date after the accident, or remove the car effectively the day after the accident if we happen to have other cars on the policy.

      On the policy side, not the claims side they do not tell them we deemed the car a total loss remove it.

      At the stage, it is determined totaled policy side would not know if you were intending to keep the car as salvaged etc.

      Look at it this way, let’s say you kept the car for salvage, the claims adjust sent a note right after they determined it a total loss and the policy side removed the car, two weeks later you crash into someone and you have a damage and injury claim on your hands with no coverage.

      All who read this consider getting to know the personality of an agent you may want to work with and look for clues of professionalism, you may be happy you did.

      There is ALWAYS a cheaper policy out there, but sometimes that will cost you more than your savings. Email me at championpatriot@hotmail.com for professional service.

      Reply
  3. They gave a quote a full month before the policy started. I made a decision based on this quote. After policy started they doubled the premiums under the rationale that my property was undervalued even though they had valued it more than any other company to start with. I canceled and they turned it over to collections. Quotes are bait for suckers.

    Reply
  4. Do not do business with Nationwide. I was involved in a hit and run 6 weeks ago where a truck ran a red light and totaled my car. The 20-something-year-old driver of the other vehicle that hit me wasn’t the owner of the vehicle his dad was, therefore, the insurance was in his dad’s name..

    It’s a small town where we stay so EVERYONE knows everybody’s business. It’s a widely known fact the father owns and operates a local roofing company here in town and the son works for the father, whom by the way has the reputation of being a pretty mean and manipulative guy.

    Well, 6 weeks have passed now with me worrying myself sick trying to get my car fixed and Nationwide tells me on the phone today they aren’t gonna to pay for the damages to my car nor my doctor bills. Their reason being was because a Nationwide representative spoke to the son that hit me and the son assured them he didn’t have permission to drive the vehicle on the day that he hit me so since the dad didn’t give the son permission to drive his truck to work THAT ONE day (but the other 354 days he did) Nationwide would not do anything for me at this time.

    Well, you might ask yourself, why isn’t the son put in jail and charged with theft of an auto vehicle along with the hit and run, failure to stop for a red light and driving under suspension that he DID get arrested and prosecuted for. Moreover, why did I pass the son driving the same vehicle (that he hit me with) just yesterday morning and even more why has that truck been fixed already yet my car is sitting in my backyard and me unable to find a ride to work or pay my doctor bills? Beats me guys, I can’t answer that.

    All I know is Nationwide has not done the right thing and I don’t want anyone else to have to go thru all of the heartaches and worrying I have had to.

    It’s not a good feeling having the person you’re counting on turn their back on you. It makes a person feel helpless and hopeless to some extent.

    Thank you guys for reading and hope I my story can be of some help to you someday. Yours truly, Chris

    Reply
    • Sounds to me like you have a lawsuit against the father’s company and him personally if not under a corporation.

      Unfortunately for any of us, that is how insurance works, if the policy states either it will not cover if a person was driving with a legal license and/or was not given permission to drive the car then that is how the policy is going to be applied.

      This is not a “Nationwide” thing, call a few other companies and ask agents, make sure they actually read their policy contract instead of giving you a seemingly vague answer that strengthens the narrative that Nationwide is just a bad company to deal with.

      I am assuming in this case you did not have damage coverage on your car or uninsured motorist liability coverage?

      A lawyer would eat this one up pro-bono I would think…

      Reply
  5. Never ever use Nationwide Ins. We had a homeowners policy with them through Wells Fargo Bank. The property sold 12/21/2017. We received a statement early summer of 2018, I immediately called, and sent our closing documents as requested. I continued to get statements each month answered with a phone call and emails. Now I receive a bill saying I owe $90+ For cancellation. They owe me a refund from 12/21/2017-9-24-18. Customer service is a non-follow through on their part. We have been cheated out of 9 months.

    Reply
  6. Nationwide is only on its side and its profits. Our house was damaged due to rain and hurricane weather and Nationwide saw there was $7059.00 worth of damage and paid $2591.00 after deductible and depreciation that they decided to add. The roof replacement was $4000; the only ones Nationwide took care of was themselves, how they fit the stereotype of a bad insurance company. Run so you don’t get ripped off like we did. We are done with them.

    Reply
    • My guess is you did not read the policy contract to understand the depreciation is VERY common if not standard in your area with Hurricane/wind damages.

      Did you happen to check with other companies to confirm they also implement depreciation before singling out Nationwide?

      By the way, I get your frustration, just asking, it is sad, I feel for you that depreciation is in the mix in those areas.

      Reply
  7. Negative stars. I don’t wish this company on my worst enemy. I’m not going into details because it would go on for days. I feel for anyone with this insurance that has to file a claim and deal with the adjusters and there paid off Contractors that they use.

    Reply
    • I wish I had read your comments before taking my car to the repair shop Nationwide kept “steering” me to, which is supposed to be illegal. Now I know why: their chosen repair shop “low balls” their repair estimate then that is all Nationwide will pay. Based on their propensity to drop you after you file a claim, I expect to be shopping for insurance soon and I will never recommend them to anyone, not even my worst enemy.

      Not on My Side!

      Reply
  8. I just wasted 20 minutes of my life getting an insurance quote for Home and Auto from Nationwide. I gave the agent all of my information, including my SSN. The quote was HIGHER than my current h.o. policy by $200 for the same coverage. NATIONWIDE IS NOT ON YOUR SIDE!!!!!!!

    Reply
  9. Nationwide is a money grabbing company. Spent well over 10 years with Allied a subsidiary they acquired and experienced very small rate increases. In the last 5 years they have increasesd my homeowner’s rate over a hundred dollars yearly. No changes in coverage or anything. Only thing the reps have to say is base price adjustments and they can’t assist. They really seemed to care less if I changed to another carrier. Have always paid in full and timely with no claims. Got feed up with their constant yearly unexplained rates increases and switch saving $388.00 for same coverage and lower deductible (even tried staying by increasing my deductible to $2,500) moved to Progressive and $1000 deductible. Not so much that customer service was rude–just hand tied and can’t do anything about base rate constant increases–they did agree and sympathize with me regarding the ridiculousness of a rate increasing of over $500 in 5 years with no changes, no huge property value increases or claims. Seems their business model is based on charging low at onset with the goal of increasing yearly. I’m sure many people–especially if escrowed don’t really dig into the reasons for the increasing rate–especially when told “it is just a matter of doing business” most possibly settle for the “territory increase” explanation. I live in an area that has a very low crime rate–seriously–possibly outside territories I’m told. No the juice isn’t worth the squeeze and as an MBA I can assure that eventually their business model will allow comparable competition to take a large slice of their profits.

    Reply
  10. I agreed to a policy with Nationwide on a commercial building. After two weeks (and after paying the premium), they declined to insure the building. I contacted my previous carrier and had the building insured. It is now over one month later and Nationwide has not refunded my premium and tells me it will take another two weeks to get the money back to me. The premium was over $1000 and I have had to pay the other carrier. 6 weeks is too long to get a refund–it is ridiculous!! They are telling me it takes that long to get it processed. Maddening. Don’t deal with Nationwide.

    Reply
    • Dispute this with your CC company and File a complaint with the Department of INS in your state. Also share you issue with the FTC. Nationwide is the WORST company in the world! I had them in Fl in 2001, I dropped them after I called and asked a question, NOT placed a claim, just asked a question about a possibility of a claim, in the event of. Well a week later I get a letter telling me my premium went up by more than $150 per year. Again NO CLAIM, JUST A QUESTION! YEAH I dropped them like a bad habit! People need to know we have rights against the BILLION DOLLAR BULLIES! DO NOT just be upset, file a complaint with everyone of the agencies that you can. Keep doing it until your complaint is resolved. The FTC is one of the BEST palces, the BBB is a great place to vent, but they don’t have as much power as your state DEPARTMENT OF INS, THE FTC.GOV Your AG, Consumer Affairs. Make your voice be heard! The more we all demand BETTER service, FAIR and PROMPT claims handling, the MORE the people in charge of them can do! If we ONLY write on complaint boards and DO nothing more, then it is just a venting spot! USE the resources of your State agencies to GET RESOLVE! DO NOT LET THESE BILLION DOLLAR BULLIES CONTINUE TO BE ALLOWED TO BULLY! Good Luck, I hope you all get some resolve!! Just as this reviewer said, while trying to pretend to be neutral, yeah, ok.. But the volume of Nationwide and their sub companies consumers, will never prove unbalanced, which means they will not be held accountable if OUR VOICES ARE NOT HEARD IN VOLUME AS WELL!
      GOOD LUCK, If anyone has questions or wants to know ways to get help, feel free to reply and we can share contact info.
      Rox

      Reply
  11. Nationwide insurance sucks. You and your false advertisement you are the biggest joke in the US. You are nobody’s side but your own you people are selfish if you were on my side like you claim to be you would work with me on my situation.

    Reply
  12. Do not buy from Nationwide. I have been with them for 2 years and have been hassled for the past 6 months. I moved out of my ex’s home over a year ago and stayed briefly at his mothers home while I waited for repairs at my house to be completed. I have been in my home nearly a year now and they are mandating that I give them my ex boyfriends name and address. I’m not with him anymore, haven’t been with him in a year and they are trying to determine my policy off of it. That is ridiculous to insist that you give them your ex’s name and address. They have no right asking for that!!!!

    Reply
  13. I have been a loyal customer of NW for 13 years. I had and accident Dec 7, 2016 (my fault – does happen – first one in 13 years).

    My car was taken to the body shop and racked up over $12,000 worth of damage (2014 Hyundai Sonata). The trade in value at the dealer is a little over $9,000 and a little over $12,000 on Kelly Blue Book. They would not total the car. It needed a whole new rear suspension, new exhaust, tire, axel, a bent frame and some more.

    They said they use a different system to come up with the value and it was not considered totaled. It was a few hundred below the threshold. When I discussed this with my agent and that I had a lawyer to review the situation, he began speaking to me in a voice, mocking me “oh, it’s never going to run right” “Ooh, I’m gonna get a lawyer”…. He made the fact that the car should be totaled my “fault” and that I basically expected too much from them.

    It is now Jan. 27, 2017 and I still do not have my vehicle or been totaled. I am very disappointed with the customer service and attitude I received. I got another Ins. company yesterday and dropped NW happily.You do not treat loyal or any other customer that way PERIOD…..

    Reply
  14. Nationwide SUCKS!!!!!!!!!!!!! They have poor customer service and will cancel your policy in a heartbeat without any notice. I only noticed my policy was canceled once I received a letter from the DMV, which was 3 WEEEKS LATER!!!!. Which means I was stuck $5 a day I was not insured. I WILL NEVER IN MY LIFE GET NATIONWIDE AGAIN.

    Reply
  15. I think any reasonable person would agree that a ticket, even a moving violation, is far preferable to an accident. So, they boast about accident forgiveness but when a single ticket happens to an otherwise clean record they bumped the rates over $250 a YEAR! FOR A SINGLE TICKET!

    Reply
    • So True! It is as if death really don’t matter, especially to the one that dies. That is, we rather give *forgiveness* to people texting while driving like it isn’t anything more than an accident when someone dies because of it.

      Reply
  16. If you are having issues with them, please, close your accounts and take your money elsewhere at your first opportunity.
    Fighting them legally is up to you. They do not deserve your business if they are deceiving you and/or stealing from you.

    Reply
  17. I was recently involved in a motor vehicle accident on 8/8/2016. I live in Northern California but my Nationwide claims rep is in Utah! The accident was not my fault but sent me by ambulance to the emergency room and totaled my vehicle. The following day even feeling like total crap, I called to give my statement of what happened. I gave the claims adjusted the accident report number and phone number of the police department to get the report and start the claim process. He failed to contact the police department until just recently. They only except walk ins or mailed in requests. The claims adjuster called me to go and get the report. I drove 1.5 hours each way, leaving work early, paid $15 to do what Nationwide should be doing. The police department said it may take another 21 days to get the report What a fricken joke. I am paying on a vehicle that is sitting in a shop. I am having to rent vehicles to get around and have not gotten the correct medical attention or direction I deserve. Good luck getting them to return calls as well! Nationwide claims sucks and I am dropping them as soon as my claim is settled!!! I also have my homeowners through them and I am changing that as well as I have 0 confidence in this company!!!!!

    I was told by one adjuster that Nationwide pays top dollar on totaled out vehicles. [Redacted]! I had my vehicle 1 month, it is a used 2007 Jeep Grand Cherokee with all the bells and whistles. The interior and exterior are immaculate condition with 92,000 miles. I owe $13,505.00 they offered me $11,500.00. lol It blue booked at $14,878.00 Nice!

    Reply
    • 92,000 miles? Wow! That’s a lot of miles with or without immaculate seats and body condition. You think? And, as a 2007 ( ten years old) Jeep Grand Cherokee, that’s a lot of years used to get totally balanced. I know my car was purchased with a high interest rate, so a lot of my monthly payments are applied to interest; therefore, my balance is always high month to month. But, you did mention a *blue* book value comparison too. So, what did they say about that?

      Listen: I think it’s wrong to be in a hospital to find an insurance company not there to service when we need them the most. What I learned not too long ago is to know the *real* information between a car and insurance companies. For instance, I had called Geico five separate times and found five difference answers to the same question from five different reps.

      Further, it took me hours to realize what was really going on; yet, who has that amount of time to spend verifying the truth, when it supposed to be the truth the first time around, especially regarding insurance. Today, it’s what I’m told on the phone has to be either in writing or in my insurance papers, if it is important to me.

      Concluding: I think it must be a performance pay like commission, because I was shocked to learn how Geico was giving out their information to customers. Look at what we now know about Wells Fargo employees. I guess these days we can’t rely on *brand* names any longer. I will never go back to Geico. Currently, I am with USAA. Roger out!

      Reply
  18. I have been with Nationwide for a good number of years and even recommended them to friends and family members. I have read some of the compliments and complaints herein and it is my opinion that: Although every claim I have filed was responded to most favorably, some of those whom I had recommended had also filed a claim or two and were not as satisfied, thus I believe that it is NOT so much the company as a whole, but the geographic concern. In one state a complicated claim was simplified and immediately tended, in yet another, even the most simple claim was tumultuous. I believe ( and I use the term, believe, literally” that it is dependent upon the agent and the locality. I have known some who were declined on travels and yet approved at home.

    Reply
  19. I have nothing good to say about nationwide. Nationwide owns a company called veterinary pet insurance. I was a policy holder of this insurance for probably about 12 years. I got nothing but run around when I tried to file a claim. They would accept no diagnosis that my vet gave and they would continually ask for a different diagnosis until they got one they could deny. This happend twice on two separate claims. I definitely knew on the second claim that the issue was covered because it very clearly listed on the schedule. When I could get no where with VPI, I contacted nationwide themselves through email. I received no response. Fiinally after much run around I decided to turn it into the Better Business Bureau. They contacted nationwide twice and there was still no response. Unfortunately nationwide is just another gouging insurance company like so many and they are not concerned with customer satisfaction. They can afford to pay for their professional athletic endorsements through Peyton Manning, Dale Earnhardt and Jack Nicholas but they can’t pay their clientele the claims that are very clearly stated as covered on their schedule. As far as I’m concerned I think Nationwide is on no one side except their own.

    Reply
  20. Just wanted to say that I think Nationwide is a great company. Had a renewal statement so I checked with two companies to see if the could beat the price, Neither did. Also we had a claim and they took care of it quickly. Very happy with the company.

    Reply
  21. I was canceled after only 48 days of coverage. I started online and they canceled my policy with no notification or notice. I dont even think thats legal by the policy. I was late on my payment accidentally (bank auto draft issue) but they did not care when i called customer service and stacked up late fees and other fees on me. they then had the nerve to ask me to re-sign a new contract at a higher rate. This company has horrible service.

    Reply
  22. I’ve had Nationwide homeowner’s for years. Rates were reasonable, and they did replace all my siding and roofing after some hail damage. No problems at all.

    Then a couple years ago I was adding my teen driver to my auto policy (through another company) and thought it was time to shop around. And, Nationwide actually gave me a great deal to bundle my homeowners and auto together. I gathered about 4-5 quotes and they were second to lowest price I believe.

    So I wouldn’t rule them out for price before you check. Maybe they have become more competitive since this review was created?

    Reply
  23. I have had Nationwide for about almost 3 years and I am satisfied with their service.

    I only have their auto liability insurance which is very affordable for me. I have not needed to file a claim so I am not sure how the service is in that department.

    The customer service has been great and if any issue(which rarely happens) comes up, they always resolve it in a timely matter.

    Reply
  24. yep I feel the same way that NATIONWIDE is not on your side. Been dealing with billing issues since may and it is now aug. never the same reply and I’ve told them several times to cancel my policy but yet never get the paper work to cancel just bill reminders I will not pay and extra $90 not doing it. Its funny how you get a paper bill that says you owe 152 then when you speak to some one its 90 something but in all reality its 60 something. Get it together!

    Reply
  25. You lumped Flood protection in with Home insurance!!! Please clarify this for people who may be reading your review… People reading such things could take this very literal! Nationwide does have a team that is dedicated to providing Flood insurance separate from the home policy through the NFIP. This is the National Flood Insurance Program through our government.

    Reply
    • Good catch, Jessica!

      I have updated the information.

      Thank you,
      Eric Stauffer

      Reply
  26. After reviewing your website for Nationwide it amazes me that you have such high ratings. Considering and certainly taking into account my experience I had with my renters insurance with Nationwide. So I decided to put in writing the truth about your company in my experience because I have never seen this side of Nationwide.

    I took out renters insurance for my apartment, insured for $300,000.00 with Nationwide. I also took out full coverage insurance on my car and paid my contract in full on day of the phone call. I’ll just get right to the point. They blatantly breached their contact with me, even after one of their agents came to my apartment for review of its contents. Heres the real scoop.

    I was relatively new in the area of Anderson, South Carolina and with employment down spiraling and crime forced to live in an area that would be better priced for tough times to come but nice. Not the gated communities I was accustomed to in what now I feel is another lifetime.

    The insurance agent arrived after taking out the renters insurance policy to ask questions, look or see whatever necessary in the event anything that the unforeseen would happen. Just what they are their for, its their job, I was new, I felt if the came all the way out to my apartment then he would know what to do in order to complete the policy if any changed should b made. Nothing was changed or remotely discussed about any changes for policy amount nothing…

    Later, the tragedy happened, Nationwide, called their attorney to try and scoot out of my contract of renters insurance with them to protect and replace items missing and put me back in the place I was prior to the incident happening. Things is, I went to the police first for months in order to get some response nothing. It wasn’t until later that it dawned on me that I have renter insurance!!!! Believe it or not.. That’s how upset I was I was so upset. I lived alone here in Anderson and I was devastated and no one did what they are supposed to do in or with authority to make the situation right. It was a joke. Yes, that’s right they got your money and now oh well “see ya, sorry bout that” attitude. We just collect a check we really don’t get involved. That’s what really happened.

    Putting it middy I was devastated finically, I was robbed!! I have personal items, important documents and papers, clothes, valuable memorabilia and they have done absolutely nothing to “Be On My Side” but everything quite the opposite!!! I am here to inform you my life was turned completely upside down and no one was their for me! Not even Nationwide. Oh, I take that back, yes they were there Johnny on the spot with their attorney, saying, we aren’t going to pay you NOTHING!!! You have misrepresented this claim. I said to myself, What in the hell are they talking about? I went straight to the police here in Anderson, they didn’t want to come to my house for finger prints anywhere. The detective told me they were backed up basically I’d have to wait in line after he took a handful of information because he had another appointment he had to get to. Months down the line after nothing happened in this arena and I called the detective back here in Anderson he yelled at me on the phone not to leave messages for him he would get in touch with me when it was my turn in a manner of speaking in a not so pleasant professional tone please take note.

    What Nationwide concentrated on the most was also shirking their duties and trying to swindle out of my contract agreement I felt by denying my claim. And to top everything off their reasons have absolutely nothing to do with my situation and circumstances, Go figure…. When I called and tried to speak with them about this over the phone they simply said, “I’m not saying anything!!” I called the car insurance that I had also paid in full with Nationwide. They tell me, “its on the renters not on us” after I spoke with the person in claims with the automobile claims side.

    Bottom line, I COULD GET NO ONE TO TALK WITH ME ABOUT MY CLAIM THAT, ” WAS ON MY SIDE” !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Still, One year and seven months later it sits and sits and sits…… Be warned how this company has done me and you make the decision whether or not you want to be put in my place. If you have acted and responded and reported the event to police you followed what you are supposed to do unbeknownst to me at the time, but if you do all that have documented evidence of your situation and they turn you down. They damm sure didn’t turn down my money in cash to do the job they said they were going to do. That’s also called stealing…..

    I advice you to get an alarm like I now have. This way, your not wasting the money with insurance companies in the time of crisis just making matters even worse and more difficult enough to put you on medication when you pay a company to do a job and you trust the insurance company to do what they promised and the only thing you get for your money and contract is for them to, not speak call their attorney and watch you drown…….

    THIS IS AN OUTRAGE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

    Reply
    • Constance M Roberson: I couldn’t catch your information on when did you call Nationwide on your claim. I know you was speaking about the police first, but not sure if you then said it took a month before you realized that you also had Nationwide.

      Listen: I’m not going to say anything negative because I can visualize what you have gone through. I have rental insurance with another company; yet, within my worries of an approaching storm in Florida, I have thought more about to cover my windows for my cats than that I’m covered with rental insurance.

      At the same time, I think, for me, it’s more about not knowing how long it will take a rental insurance company to assist their customers after a bad storm too. And, we can forget about being able to go to a hotel, because I can visualize how many other people will need rooms too? That’s one paid benefit we will never *ever* get, right?

      Listen: Were you saying that Nationwide told you that you didn’t follow your policy claim instructions in order to submit a claim, regardless if you had called the police? If it isn’t in writing, I don’t believe it. And, if it is in writing, we must believe it.

      Another example from an accidental death insurance that I had from another company. In the coverage, it stated that my beneficial had to make contact with them within seven days of my death. It may take eight days to locate my family all over the place. So, even though it was a good policy, I decided not to pay for many years of coverage, if I had to worry about a time *design* that could cancel out the policy after my death.

      Further, every guideline is there for their purposes. If not, all insurance companies win on claims. Today, I think it takes *hours* of knowledge to understand what or when something is covered, because policies are designed to cover pieces of information coverage unlike *parts* as it was in the past. To me, this is a change!

      Reply

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