Auto Insurance · Editor review
Nationwide Insurance review.
Best for: Drivers who want broad agent-network support and competitive bundling with home insurance.
Avg annual premium
$1,640
A.M. Best rating
—
Provider type
carrier
Coverage
50 states
What we like
- +Strong agent network — 10,000+ agents in 50 states for in-person service
- +On Your Side review program: quarterly coverage check-ins (genuinely useful)
- +Vanishing deductible: \$100 off your deductible per claim-free year, up to \$500
- +Bundling discount up to 18% (auto + home) — competitive with State Farm
- +Strong commercial-policy crossover for small-business owners
What we don't
- −Premiums typically 5–10% above the GEICO / State Farm average
- −Telematics program (SmartRide) less mature than Progressive Snapshot
- −Less competitive in California (limited state agent network)
- −Underwriting can be conservative for younger drivers + prior-claims drivers
Editor's verdict
Nationwide is solidly mid-tier on price (typically 5–10% above the GEICO / State Farm average for equivalent coverage) but punches above its weight on agent service. Their On Your Side review process — a quarterly check-in with your agent to refresh coverage — catches gaps that purely-digital carriers miss. Best for drivers who value the in-person agent relationship and are willing to pay a modest premium for it.
Advertiser disclosure: Offers below are from partners that compensate us when you click or apply. Compensation does not determine our rankings. How we make money.
Nationwide Insurance FAQ
Is Nationwide cheaper than State Farm or GEICO?+
Usually no — Nationwide premiums average 5–10% above the State Farm / GEICO baseline for the same coverage. The trade-off is stronger agent service. Worth getting a comparison quote anyway; in some states / risk profiles, Nationwide is competitive.
How does Nationwide's vanishing deductible work?+
Every claim-free policy year reduces your deductible by \$100 — up to a \$500 cumulative reduction. So a driver who stays claim-free for 5 years sees their \$500 deductible drop to effectively \$0 (still paid up-front, but credited back at claim time).
Does Nationwide write in all 50 states?+
Yes for auto. Some specialty products (motorcycle, RV, classic car) have state-specific availability.
Is Nationwide good for small-business owners?+
Yes — they have a strong commercial-policy practice and can bundle personal auto + commercial vehicles + business owners policy (BOP) under one agent. The cross-line discount is meaningful for owner-operators.
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