How Much Does Nationwide Car Insurance Cost?

Choosing a car insurance provider can feel overwhelming. If you're considering Nationwide, examining its pricing will help you determine if it's the best fit. However, we recommend gathering quotes from several companies to ensure you're securing the best value when you want to save money on your car insurance.

Nationwide car insurance pricing per month

According to AutoInsurance.com data, a full coverage car insurance policy from Nationwide costs an average of $166 per month. Drivers who choose minimum liability-only coverage pay an average of $60 monthly.

Keep in mind these are average figures and your actual rate may differ based on elements such as age, location, credit score, and driving history. While your personal rate with Nationwide could vary, these averages provide a useful benchmark for comparing different providers and the national averages.

	Nationwide average monthly cost	National average monthly cost
Full coverage	$166	$186
Liability-only	$60	$98

Nationwide's rates versus other car insurance providers

Each company evaluates risk and applies discounts differently, which affects pricing. Comparing quotes helps you understand how Nationwide measures up for your particular circumstances.

Provider	Average monthly full coverage cost	Average monthly liability-only cost
State Farm	$104	$52
Progressive	$134	$79
GEICO	$144	$79
Allstate	$158	$91
USAA	$101	$51

Nationwide's rates by age

Age can have a significant impact on the cost of car insurance. According to AutoInsurance.com, Nationwide charges higher-than-average rates for teen drivers, with premiums averaging $555 per month.

Car insurance rates can potentially decrease as drivers get older, though premiums depend on factors such as location, driving history, and vehicle. Typically rates are most affordable when drivers are in their 30s and 40s. With Nationwide, senior drivers pay an average of $162 per month, though this is not for a specific senior age.

This pattern reflects the insurer's risk assessment across different life stages.

Age group	Nationwide average monthly full coverage cost	National average monthly cost
Teens	$555	$345
Senior	$162	$162 (drivers in their 60s)

Nationwide's rates for high-risk drivers

Traffic violations and accidents on your record can lead to higher Nationwide car insurance rates. Drivers with speeding tickets or at-fault accidents generally pay more per month for coverage than drivers with clean records, with accidents having a larger impact on average premiums.

More serious violations can result in even higher costs. For example, drivers with a DUI pay substantially more on average monthly for Nationwide coverage. Your actual premium will depend on your driving record and other factors Nationwide considers when determining rates.

Driving record	Nationwide average monthly full coverage cost	National average monthly cost
Accident	$249	$249
Speeding ticket	$195	$242
DUI	$398	$267

How does your credit score affect your rate with Nationwide?

Your credit score influences insurance rates in all states except four: California, Hawaii, Massachusetts, and Michigan.

Credit can potentially affect how much you pay for Nationwide car insurance. Drivers with lower credit may face higher premiums than Nationwide's overall average. Your actual premium will also depend on factors such as your location, age, vehicle, driving history, and coverage choices.

FAQs

Can Nationwide's SmartRide program help me save on my car insurance?

Nationwide's SmartRide telematics program rewards safe driving behavior by tracking your habits through a mobile app or in-car device. You can earn an initial discount just for enrolling, and depending on how safely you drive, you might save significantly on your premium. The program monitors factors like braking, acceleration, and nighttime driving patterns.

What makes Nationwide's vanishing deductible feature unique compared to other carriers?

Nationwide offers a vanishing deductible program that reduces your deductible by a set amount for every year you remain accident-free, potentially saving you hundreds of dollars over time. This optional feature rewards long-term safe driving and loyalty by gradually lowering your out-of-pocket costs if you ever need to file a collision or comprehensive claim.

How does Nationwide handle claims compared to other major insurance companies?

Nationwide generally scores well in claims satisfaction studies, indicating that policyholders typically have positive experiences when filing claims. The company offers multiple ways to initiate claims including through their mobile app, online portal, by phone, or through local agents. While some customers report occasional delays in processing, Nationwide's claims handling typically receives above-average ratings, particularly for providing clear communication and fair settlements.

Bottom line

Is Nationwide the right car insurance company for you? The best way to find out is to get quotes from this company as well as others and compare them based on price and service.

Data throughout provided by Insurify.

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