LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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Auto insurance review

Nationwide Auto Insurance Review (2026)

Nationwide earned 4.3 / 5 in our 2026 review. Best for: solid all-around coverage, bundling. Here is the full breakdown.

By the Fintiex Insurance Desk · Updated 2026-05-02
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Key stats
Annual premium
$1,500 to $2,200
AM Best
A+
JD Power
851 / 1000
Bundling discount
Up to 20%
States available
All 50 states
Good driver discount
Up to 10%
Digital experience
Good
Fintiex rating
4.3 / 5
Pros
  • +SmartRide telematics program with up to 40% discount
  • +Vanishing deductible: deductible drops $100 per claim-free year
  • +On Your Side Review: free annual coverage checkup
  • +Accident forgiveness available
  • +Strong bundling with home and life insurance
Cons
  • -Not available in all states (excluded from a few)
  • -Rates not always competitive for young drivers
  • -Digital experience slightly behind GEICO and Progressive

Coverage available

Liability onlyFull coverageMinimum stateHigh-value vehicles

Nationwide writes the standard mix of auto policies. Most drivers will want full coverage (liability plus collision and comprehensive). Drivers with older paid-off cars may consider liability-only to save money, but only if you can afford to replace the vehicle out of pocket.

Best for

Nationwide is the right pick if you prioritize solid all-around coverage, bundling. The carrier scores especially well on claims service. If you do not match this profile, compare against the other top picks on our auto insurance hub.

Overview

Nationwide is one of the well-known auto insurance carriers in the United States, with an AM Best financial strength rating of A+. The carrier is best known for solid all-around coverage, bundling, with average annual premiums in the $1,500 to $2,200 range for full coverage on a typical 35-year-old driver with a clean record.

On the customer-experience side, Nationwide scored 851 on the latest JD Power US Auto Insurance Study (1,000-point scale). That puts it right around the industry average. The digital experience is rated good, with a functional app and online portal for policy management, claims, and ID cards.

Bundling is a major lever: combining your auto policy with home or renters insurance can save about 20 percent on both policies. Nationwide also offers a good driver discount of up to 10 percent for accident-free histories. Add in paperless billing, multi-vehicle, and safety feature discounts and the all-in savings can reach 30 to 40 percent off rack rate.

How to get a Nationwide quote

Getting a quote from Nationwide takes about 10 minutes online. You will need your driver license number, vehicle VIN, current insurance declarations page (if any), and an idea of the coverage limits you want. The carrier may also run a soft credit check in states where credit-based insurance scoring is allowed.

  • Visit the Nationwide quote page and start the auto application
  • Enter ZIP code, driver and vehicle info, and prior insurance details
  • Select your coverage limits (we recommend at least 100/300/100 liability)
  • Review the quote, apply any discounts (good driver, bundling, paperless)
  • Bind the policy online or call to finalize with an agent
Start a Nationwide quote

Frequently asked questions

Is Nationwide a good auto insurance company?
Nationwide earned 4.3 out of 5 in our 2026 review. It carries an AM Best rating of A+ and a JD Power satisfaction score of 851 out of 1,000. Best for: solid all-around coverage, bundling.
How much does Nationwide auto insurance cost?
Average premiums range from $1,500 to $2,200 per year for full coverage. Your actual rate depends on driving record, vehicle, location, credit score, and coverage limits. Get a quote at Nationwide to see your exact rate.
What discounts does Nationwide offer?
Nationwide offers a bundling discount of about 20 percent for combining auto with home or renters insurance, plus up to 10 percent off for clean driving records. Additional discounts may apply for paperless billing, multi-vehicle, and safety features.
Is Nationwide available in my state?
Nationwide writes auto policies in all 50 states.
How fast is the Nationwide claims process?
Nationwide accepts claims via app, phone, online, and agent. Most simple claims are settled within 7 to 14 days. Complex claims (totaled vehicles, injuries) can take 30 to 60 days.
Should I bundle Nationwide auto with home insurance?
Bundling can save you about 20 percent on both policies with Nationwide. Always run the numbers against two standalone quotes to make sure bundling beats buying separately.

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Takes about 10 minutes. No commitment to bind.

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