Reviews Report
- As of 2025, Nationwide’s average annual premium for a full coverage policy for a good driver is about $1,600 (roughly $133 per month), based on recent industry rate surveys from Bankrate, NerdWallet, Forbes Advisor, The Zebra and U.S. News; most estimates fall in a range of about $1,450–$1,750 per year.
- Drivers can earn a participation discount and up to 40% off premiums at renewal by enrolling in usage-based SmartRide.
Choosing an auto insurance company can be overwhelming when you look at the number of providers available. Nationwide auto insurance is one of the largest and most popular providers of vehicle insurance. Nationwide has been selling insurance policies for nearly a century and remains a major national brand.
We reviewed Nationwide’s customer ratings, financial stability, availability of coverage by area, discounts and vehicle coverage options to give a current view of Nationwide’s biggest strengths — and where it may fall short.
Nationwide’s Full Coverage Average Premium In Each State
| State | Average Annual Full Coverage Premium* |
| Alabama | N/A |
| Alaska | N/A |
| Arizona | $1,110 |
| Arkansas | $1,350 |
| California | $2,155 |
| Colorado | N/A |
| Connecticut | $1,280 |
| Delaware | $1,184 |
| Florida | N/A |
| Georgia | $1,202 |
| Hawaii | N/A |
| Idaho | $951 |
| Illinois | $1,098 |
| Indiana | $1,103 |
| Iowa | N/A |
| Kansas | N/A |
| Kentucky | $1,645 |
| Louisiana | N/A |
| Maine | N/A |
| Maryland | $1,232 |
| Massachusetts | N/A |
| Michigan | N/A |
| Minnesota | N/A |
| Mississippi | N/A |
| Missouri | N/A |
| Montana | $1,479 |
| Nebraska | $1,047 |
| Nevada | $1,582 |
| New Hampshire | $851 |
| New Jersey | N/A |
| New Mexico | N/A |
| New York | N/A |
| North Carolina | $1,374 |
| North Dakota | $1,090 |
| Ohio | N/A |
| Oklahoma | N/A |
| Oregon | $1,066 |
| Pennsylvania | $1,058 |
| Rhode Island | $1,722 |
| South Carolina | $1,326 |
| South Dakota | N/A |
| Tennessee | $1,219 |
| Texas | $1,362 |
| Utah | $1,052 |
| Vermont | $984 |
| Virginia | $770 |
| Washington | N/A |
| Washington D.C. | $1,985 |
| West Virginia | $993 |
| Wisconsin | N/A |
| Wyoming | N/A |
*Data sources: recent 2025 averages from Bankrate, NerdWallet, Forbes Advisor, The Zebra and U.S. News. “Full coverage” definitions and driver profiles vary by source; statewide averages change frequently.
Nationwide Car Insurance Overview
Market-wide customer satisfaction has been under pressure as premiums have risen, according to J.D. Power’s customer satisfaction study; Nationwide is competitive but not among the publicly named top award recipients in the 2024 summary. Nationwide also offers innovative ways to save, such as bundling Nationwide home and auto insurance or by signing up for SmartMiles, a flexible way to pay less for driving fewer miles each month. However, contrary to its name, Nationwide is not available in every state (Nationwide auto is generally not offered in Alaska, Hawaii, Louisiana or Massachusetts, per Bankrate and other current reviews).
Besides providing the level of car insurance required in each state it serves, drivers can opt for extras to reduce your vehicle coverage expense. Vanishing Deductible reduces your deductible for every year without a claim and Total Loss Deductible Waiver waives the deductible if your vehicle is declared a total loss.
PROS
CONS
Nationwide Auto Insurance Highlights
Nationwide’s Car Insurance Bundling Discounts for Cheaper Insurance
According to data from the NAIC, Nationwide is a top-10 national auto insurer and also writes substantial property lines, making it a common choice for bundling. Based on its strengths in both types of insurance, bundling Nationwide home and auto insurance could provide you with cheap coverage across the board while simplifying your insurance needs. Nationwide offers multi-policy discounts. However, getting a Nationwide car insurance quote is the best way to find out how much you may save when buying both types of insurance with the carrier.
Nationwide Car Insurance vs. The Competition
| A.M. Best AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. Power Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality. | No. of Discounts | ||
|---|---|---|---|---|
| Pin Nationwide | A+ | 814* | 10 | |
| Pin Progressive | A+ | 830* | 19 | |
| Pin State Farm | A++ | 847* | 13 | |
| Pin Geico | A++ | 833* | 16 |
Information accurate as of 2025
*J.D. Power 2024 U.S. Auto Insurance Study press release; scores are based on a 1,000-point scale.
Nationwide vs. Progressive
Nationwide and Progressive both offer telematics programs (SmartRide and Snapshot), broad digital tools, and phone/online/app claim filing. In today’s pricing environment, Progressive often competes strongly for drivers with prior incidents, while Nationwide can be price‑competitive for safe or low‑mileage drivers using SmartRide or SmartMiles. Discount lists and availability vary by state, so compare personalized quotes; families with teen drivers may also want to review each company’s young‑driver savings.
Nationwide vs. State Farm
State Farm is larger by market share and carries an A++ (Superior) A.M. Best rating, while Nationwide holds A+ (Superior). State Farm often posts strong satisfaction results in many regions, and its large agent network can appeal to customers who prefer in‑person service. Nationwide provides customers with a free annual On Your Side review and can be competitive on price when telematics and bundling are applied. The best choice often comes down to which carrier returns the lowest personalized quote for comparable coverage.
Nationwide vs. Geico
Both Nationwide and Geico are well‑known for competitive pricing. Geico frequently ranks among lower‑cost options for many clean‑driver profiles and offers a strong direct digital experience, while Nationwide’s bundling options and pay‑per‑mile SmartMiles can be attractive for homeowners and low‑mileage drivers seeking to purchase multiple policies from one carrier.
Nationwide Car Insurance FAQ
Methodology
We evaluated Nationwide based on discounts, coverage, online resources, financial strength, and customer satisfaction to create our best car insurance reviews. To compare car insurance companies with other providers across the board, we analyzed:
- Discounts: Auto insurance companies that advertised more discounts received higher scores in our methodology.
- Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each car insurance company’s financial stability.
- Customer Satisfaction: J.D. Power ranks car insurance companies by customer satisfaction, so we used its latest U.S. Auto Insurance Study to compare market-wide findings and benchmark the category.
- Coverage: Car insurance companies were awarded higher scores for advertised coverages beyond the body liability, property liability, collision and personal injury protection.
- Online Resources: We reviewed the digital resources of each car insurance company and awarded higher scores to insurers with mobile claim estimates, digital insurance cards, and more.
As for average pricing, we referenced 2025 industry datasets such as Bankrate to benchmark typical “full coverage” costs for a standard good‑driver profile; definitions and driver assumptions vary by source.
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, sources use the minimum coverage that meets each state’s requirements. Base profiles commonly assume a popular midsize sedan, a five‑day commute and about 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
