Nationwide Insurance Company Review

Is Nationwide a good insurance company?

Nationwide Insurance Company at a Glance

  • Founded in 1925
  • America’s premier personal and business vehicle insurer
  • Offers vehicle insurance, property insurance, life insurance, and specialty insurance
  • Coverage available in 47 states
  • “A+” (superior) rating by A.M. Best
  • “A+” (excellent) rating by the Better Business Bureau (BBB)
  • Also offers investing and retirement options
  • 24/7 phone, online, or mobile app claims reporting
  • Strong financial stability

Nationwide pros: Well-established carrier with 95 years of experience in the insurance industry. Highly rated by A.M. Best and the BBB. 24/7 claims reporting via phone, online, or mobile app. Strong financial stability. Coverage available in 47 states. BBB accredited since 1955.

Nationwide cons: Quite a few negative customer reviews.

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

What Types of Insurance Does Nationwide Offer?

Nationwide is a generalized insurance company, with a focus on personal and business insurance. They offer the following insurance products.

  • Vehicle insurance
    • Auto
    • Classic car
    • Boat
    • Snowmobile
    • ATV
    • Motorcycle
    • RV, motorhome, travel trailer, and camper
    • Personal watercraft
    • Scooter
    • Golf cart
  • Property insurance
    • Homeowners
    • Renters
    • Condo
    • Flood
  • Life insurance
    • Term
    • Universal
    • Whole
    • Variable
  • Specialty insurance
    • Personal umbrella
    • Travel
    • Pet
    • Wedding
    • Specialty liability
    • Identity theft
    • Accident medical
    • Dental
  • Personal banking
    • Business insurance
    • Employee benefits
    • Business retirement plans
    • Small business insurance
    • Business banking
    • Agribusiness insurance

Your independent insurance agent can help you find more information about the coverage offered by Nationwide, and help you decide if this insurance company is right for you.

What to Know about Nationwide

Nationwide was founded in 1925, giving the carrier more than 90 years of experience in the insurance industry. Nationwide has grown from a small auto insurance company to one of the largest insurance and financial services companies globally.

Today Nationwide still answers to its members. They offer a full assortment of insurance and financial services across the US, including car, motorcycle, homeowners, pet, farm, life, and commercial insurance. They also offer annuities, mutual funds, retirement plans, and specialty health services.

Coverage is offered in 47 states across the country. The insurance company's LinkedIn profile states that Nationwide has 10,001+ employees. As far as financial size, A.M. Best places the carrier in the $2 billion or greater category.

Because of its long history, wide reach, and financial strength, Nationwide has earned a reputation as a stable insurance company with a stable outlook for the future. A.M. Best, the leading global credit rating agency monitoring the insurance industry, gives Nationwide an “A+” rating, indicating the carrier is a superior choice for insurance consumers. High ratings from A.M. Best assure customers that Nationwide can offer guaranteed, secure coverage from a financially sound carrier.

Established in 1899, A.M. Best is one of the oldest rating companies in the world. Reviews from A.M. Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and balance sheet. For customers who are not as familiar with insurance companies' reputations, A.M. Best’s rating system allows them to make an informed decision about who they can trust to meet their needs in the short term, and who will remain a strong, financially sound company in the long term.

What Discounts Does Nationwide Offer?

Nationwide makes information about their specific discounts readily available on their official website. These discounts include the following.

  • Auto discounts:
    • Multi-policy discount: Save when you bundle home and car insurance with Nationwide.
    • SmartRide discount: Customers can earn a discount by joining their usage-based insurance program that gives feedback to make safer driving decisions.
    • SmartMiles discount: Customers can earn a discount based on the number of miles they drive.
    • Accident-free discount: Customers can get a discount by maintaining an accident-free driving record.
    • Good student discount: Drivers are eligible for a discount if they are between the ages of 16 and 24 and maintain a B average or better.
    • Defensive driving discount: Customers that complete a state-approved safety course can get a discount. (Customers may have to be 55 or over to be eligible.)
    • Anti-theft discount: This discount applies if a customer’s vehicle is equipped with certain anti-theft devices. Proof of the installed device may be required.
    • Safe driver discount: If customers have at least five years of safe driving, they could be eligible for a lower car insurance rate.
    • Easy Pay sign-up discount: Customers that set up automatic deductions from their bank account will get a one-time discount.
    • Affinity member discount: Customers can get a discount just for being a member of a qualifying organization.
  • Motorcycle discounts:
    • Multi-policy discount: Customers can save money when they combine their home, vehicle, or life insurance policies.
    • Multi-vehicle discount: Customers can get a motorcycle discount when they bundle two or more of their vehicles, boats, ATVs, snowmobiles, or scooters.
    • Motorcycle safety course discount: Customers that complete an approved safety course can earn a discount.
    • Theft-recovery device discount: By adding one of these devices, customers can save money on comprehensive coverage.
    • Homeowner discount: Customers who own a home, condo, townhome, or mobile home are eligible for a discount.
    • Paid in full discount: Customers can pay less for motorcycle insurance by paying their entire policy premium in full when they buy or renew their policy.
    • Anti-lock brake discount: If a customer’s motorcycle is equipped with a factory-installed anti-lock braking system (ABS), they will get a discount.
    • Affinity member discount: Customers can get a discount just for being a member of a qualifying organization.
    • Riding association discount: If customers are membersid in full discount: Customers can save when they pay their entire policy premium in full when they are billed.
    • Riding association discount: Customers that are a member of a riding association may be eligible for a discount.
  • ATV discounts:
    • Multi-policy discount: Customers can get an all-terrain vehicle insurance discount when they also have auto insurance, life insurance, or home insurance with Nationwide.
    • Multi-vehicle discount: Customers can save by insuring their motorcycles, snowmobiles, and scooters. Personal watercraft is excluded from this discount.
    • ATV safety course discount: Customers can get a discount on their ATV insurance rates when they complete an approved safety course.
    • Theft-recovery device discount: Customers can save on comprehensive coverage if their vehicle has a professionally installed radio or GPS theft-recovery system.
    • Paid in full discount: Customers can save money by paying their 12-month premium in full.
    • Riding association discount: If customers are a member of a riding association, they can earn a discount.
    • Homeowner discount: Customers that own a home, condo, townhome, or mobile home may be eligible for discounted ATV insurance rates.
  • RV discounts:
    • Multi-policy discount: Customers can get an RV insurance discount when they combine their home, boat, vehicle, or life insurance policies.
    • Multi-vehicle discount: Customers can get a discount when they bundle two or more of their boats, ATVs, snowmobiles, motorcycles, or scooters.
    • RV safety course discount: Customers can save money on their RV insurance when they complete an approved state RV safety course, such as those provided by the RV Safety and Education Foundation.
    • RV association discount: If a customer is a member of an RV club, such as the National RV Association, they may qualify for a discount.
    • Paid in full discount: Customers can save when they pay their entire premium for their full-term policy when they are billed.
    • Good driver discount: Customers may get a discount for driving safely and staying accident free for 36 months.
    • Prior insurance discount: Customers can earn a premium savings for maintaining continuous coverage on their camper or RV.
    • Claims-free renewal discount: Customers could receive a discount at renewal if they have been claim-free during the previous policy period.
    • Affinity member discount: If a customer is a member of a qualifying organization, they could be eligible for a discount.
  • Boat insurance discounts:
    • Multi-policy discount: Customers can get a boat insurance discount when they combine their home, boat, vehicle, or life insurance policies.
    • Multi-boat discount: Customers can save when they insure more than one boat. Personal watercrafts are excluded.
    • Boater safety course discount: Customers can earn savings when they complete an approved water safety course.
    • Diesel fuel discount: Customers can get a discount when they buy a diesel-powered boat.
    • Paid in full discount: Customers can get more affordable boat insurance rates when they pay their 12-month premium in full.
    • Claims-free renewal discount: Customers could receive a discount at renewal if they remained claim-free during the prior policy term.
  • Personal watercraft discounts:
    • Multi-policy discount: Customers can save money when they combine their personal watercraft, home, boat, vehicle, or life insurance policies.
    • Personal watercraft safety course discount: Customers can get a personal watercraft insurance discount when they complete an approved water safety course.
  • Scooter insurance discounts:
    • Multi-policy discount: Customers can get a scooter insurance discount when they already have a home, boat, vehicle, or life insurance policy with Nationwide.
    • Multi-vehicle discount: Customers can save on scooter or moped insurance by bundling two or more of their automobile boats, ATV, snowmobile, or motorcycle policies with Nationwide.
    • Moped or scooter safety course discount: Customers that complete an approved moped or scooter safety course can qualify for a discount on scooter or moped insurance.
  • Homeowners insurance discounts:
    • Multi-policy discount: Customers can get a discount on home and renters insurance when they bundle their property and auto insurance with Nationwide.
    • Protective device discount: Customers can get a discount if their home has smoke detectors, fire alarms, burglar alarms, or other qualifying devices.
    • Claims-free discount: Customers may qualify for a lower premium on their home insurance when they stay claims-free.
    • Home renovation credit: Customers can get a discount for renovating their home’s plumbing, heating, cooling, or electrical systems.
    • Roof rating discount: Customers can save based on their roof's age and surface type.
    • Home purchase discount: Customers could receive a discount if they purchased a home within the last 12 months.
    • Prior insurance discount: For new members, this discount is based on the number of years they were continuously insured by their previous carrier.
    • Gated community discount: Customers can get a discount when all vehicle entrances to their community are always protected by security guards, residence cards, or key-lock devices.
  • Renters insurance discounts:
    • Multi-policy discount: Customers can save money by combining their renters insurance with their auto or other insurance policy.
    • Protective device discount: Customers can get a discount if their home has smoke detectors, fire alarms, burglar alarms, or other qualifying devices.
    • Claims-free discount: Customers with no claims on their policy may qualify for a better rate.
  • Condo insurance discounts:
    • Multi-policy discount: Customers can get a discount on condo insurance rates when they combine two or more policies.
    • Protective device discount: Customers can get a discount if their condo has smoke detectors, fire alarms, burglar alarms, or other qualifying devices.
    •  Claims-free discount: Customers with no claims on their policy might qualify for a lower premium.
    • Home purchase discount: Customers could receive a discount if they purchased a home within the last 12 months.
    • Gated community discount: Customers can get a discount when all vehicle entrances to their community are always protected by security guards, residence cards, or key-lock devices. (Available in a limited number of states)

An independent insurance agent can provide better discount information and premium quotes for coverage through Nationwide. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.

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Connect with a Nationwide Agent Today.

Shopping for insurance? Nationwide has you covered.

Nationwide Customer Service

Nationwide offers 24/7 phone, online, or mobile app claims reporting for its policyholders. The carrier also provides the following customer service options.

  • Online bill pay
  • Account management
  • Claims tracking
  • Customer service availability - Customer service availability varies depending on the department you choose. 24/7 claims reporting. Claims reporting hours are as follows.


Hours (Eastern)


Monday-Friday 8 am - 8 pm


Saturday Closed


Sunday Closed

The best way to be sure you have a great customer service experience is to work with an independent insurance agent. These agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.

Use our directory to find the best insurance companies to meet your needs. Locate companies that specialize in your specific coverage needs and get connected to an agent near you.

Nationwide FAQ

What is Nationwide's average claims response time frame?

Nationwide offers claims reporting through a couple of mediums. However, the insurance company does not provide an official claims response time frame promise.

What is Nationwide's customer service availability?

Nationwide allows customers to file claims over the phone, online, or by mobile app 24/7. The business hours for their customer service inquiries are specified on the carrier’s official website. The insurance company's social media presence extends across Facebook, Twitter, and LinkedIn, which makes them a bit more accessible to customers.

What is Nationwide's claims process?

Nationwide offers a couple of options for claims reporting. The insurance company details their claims process on their official website along with an instructional video. If customers have questions about filing or more about the claims process itself, they can contact the carrier via phone, online, or mobile app, or get in touch with their independent insurance agent.

Does Nationwide's create a user-friendly experience for customers?

Nationwide’s official website is pretty user-friendly. The carrier provides a ton of information about their claims process. They also list an extensive amount of information about their coverage. Online bill pay is available, as is 24/7 claims reporting via phone, online, or mobile app, which are modern customer service features. So, Nationwide is pretty great in terms of user-friendliness.

Nationwide Customer Reviews

bbb.org
“I was pleased by the service provided by Valdet Z*****. He is very helpful and friendly. Gave the best rates as he was personalizing the rates for my family members !! Blessed to get help from him. Thanks a ton !!” —Saaqib P


bbb.org
“Nationwide will have your back on mayhem. They covered hail and wind damage on my roof in a very proficient and incredible way. Got the check immediately. Really Trustworthy.” —Franco B.


bbb.org
“Our home was hit by a tornado on Memorial Day. Although we had a few hiccups with insurance at first, the adjuster that came out to assess property damage and the adjuster for personal loss have been wonderful! Both have followed up with us numerous times to make sure things are going well and we don't need anything. Both adjusters have been easy to contact and respond quickly to any questions we have. They have made this difficult situation much easier by their expertise and compassion.” —Erica R.


bbb.org
“I've been dealing with Bob & Terry @ Nationwide for 3 years and their professionalism, timeliness, and knowledge is simply fantastic. I just can't say enough good about they way they handle every aspect of this account. I highly, highly recommend them!!” —RC


consumeraffairs.com
“We had to file a claim for one of our properties and I cannot recommend Nationwide enough. We got payment within 2 weeks of the incident and it was very professionally handled. All the construction people said that this timing is unheard of from an insurance company. I will be a customer for life. Thank you so much Nationwide for making this event a very positive experience.” —Steph of Campbell, CA


TrustedChoice.com's Final Review

We award Nationwide Insurance Company a final rating of 5 out of 5 stars. The insurance company has been around for more than a 90 years now, which is remarkable within the insurance industry. And it seems the carrier has used this time to their advantage. Nationwide has received high ratings through A.M. Best and the BBB, and they are accredited through the latter organization. Coverage is offered in 47 states, and their catalog is extremely extensive, with a focus on wholesale insurance. The insurance company provides 24/7 claims reporting via phone, online, or mobile app, as well as online bill pay. There is a ton of information about the carrier’s coverage on their official website, and there is an outline of their claims process on the website, along with an informative video. It is easy to find customer feedback about the insurance company online, but many of the reviews are negative. Fortunately, currently it is easy to say many positive things about this carrier. So, our recommendation is that if you are in the market for wholesale coverage, survey your options for trusted carriers with your independent insurance agent, and take a closer look at Nationwide.

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