Auto Insurance · Head-to-head
The Zebra vs Nationwide: Which auto insurance wins?
Side-by-side comparison of The Zebra and Nationwide auto insurance — average premiums, coverage strength, claims & support, and editorial verdict.
The Zebra
Compares 100+ insurers in a single 2-minute form. Surfaces every discount you qualify for, with email-first contact (no phone spam by default).
Nationwide
SmartMiles pay-per-mile policy is the most aggressive pay-as-you-drive program among the top-10 carriers — under 8,000 miles/year drivers can save 30-50% vs. flat-rate competitors. Vanishing Deductible rider knocks $100/year off your deductible for each clean-driving year (up to $500).
In plain English
The Zebra edges out Nationwide on editorial score (4.7/5 vs 4.3/5). Both shine in different scenarios — see the verdicts below.
Side-by-side breakdown
| Feature | The Zebra | Nationwide |
|---|---|---|
| Avg full-coverage premium | — | $1,640/yr |
| Avg liability-only premium | — | $590/yr |
| A.M. Best financial strength | — | — |
| Best for | Compare 100+ insurers | low mileage · bundling |
| Overall rating | 4.7/5 | 4.3/5 |
| Price & savings score (40%) | 4.7 | 4.2 |
| Coverage strength score (25%) | 4.6 | 4.4 |
| Quote & buy experience (20%) | 4.9 | 4.3 |
| Claims & support score (15%) | 4.6 | 4.4 |
Avg full-coverage premium
The Zebra
—
Nationwide
$1,640/yr
Avg liability-only premium
The Zebra
—
Nationwide
$590/yr
A.M. Best financial strength
The Zebra
—
Nationwide
—
Best for
The Zebra
Compare 100+ insurers
Nationwide
low mileage · bundling
Overall rating
The Zebra
4.7/5
Nationwide
4.3/5
Price & savings score (40%)
The Zebra
4.7
Nationwide
4.2
Coverage strength score (25%)
The Zebra
4.6
Nationwide
4.4
Quote & buy experience (20%)
The Zebra
4.9
Nationwide
4.3
Claims & support score (15%)
The Zebra
4.6
Nationwide
4.4
Editor verdicts
Why we rate The Zebra 4.7/5
Compares 100+ insurers in a single 2-minute form. Surfaces every discount you qualify for, with email-first contact (no phone spam by default).
Why we rate Nationwide 4.3/5
SmartMiles pay-per-mile policy is the most aggressive pay-as-you-drive program among the top-10 carriers — under 8,000 miles/year drivers can save 30-50% vs. flat-rate competitors. Vanishing Deductible rider knocks $100/year off your deductible for each clean-driving year (up to $500).
Read the full Nationwide reviewWho should pick which?
Pick The Zebra if…
- You value claims responsiveness — The Zebra scores higher on claims & support.
- You want a smooth quote-and-buy flow with minimal phone follow-up.
- You want broader coverage options and add-on flexibility (gap, rideshare, accident forgiveness).
Pick Nationwide if…
- Your driver profile leans low mileage — Nationwide's underwriting is best-in-class there.