⚡ Quick Verdict
$1,548
Avg annual premium
A
AM Best rating
0.63
NAIC complaint
#1
Digital experience
Why Nationwide Deserves More Attention
Nationwide flies under the radar compared to GEICO, Progressive, and State Farm—but the data shows they're genuinely excellent:
96%
Would recommend
(Highest in survey)
86%
Discount satisfaction
(Above average)
4.8
App Store rating
(Best among majors)
💫 Vanishing Deductible® Explained
Nationwide's signature feature: your deductible shrinks every year you don't have an accident.
How It Works:
Example: Start with a $1,000 deductible. After 5 accident-free years, it's $500. If you have a $2,000 claim, you pay $500 instead of $1,000.
Usage-Based Programs
SmartRide®
Traditional telematics—rewards safe driving behavior.
Up to 40% discount possible
SmartMiles®
Pay-per-mile pricing for low-mileage drivers.
Great for remote workers
⚠️ Limited Availability
Nationwide doesn't operate in all states:
Not Available In:
Alaska, Louisiana, Massachusetts, New Jersey, and some others
Check availability before falling in love with the features.
❌ The One Weakness
Claims Satisfaction: Below Average
J.D. Power ranks Nationwide below average for claims handling. Only 83% of customers satisfied with claims (middle of pack).
The trade-off: Great price, great digital experience, but claims experience may not match competitors like Farmers or USAA.
Who Should Choose Nationwide?
âś“ Good Fit If You...
- • Want competitive pricing
- • Prefer digital-first experience
- • Are a safe driver (Vanishing Deductible)
- • Drive low miles (SmartMiles)
- • Value bundling discounts
❌ Look Elsewhere If You...
- • Live in an excluded state
- • Prioritize claims experience
- • Want local agent service
- • Have had claims issues before
Our Verdict
Nationwide is the underrated choice: competitive pricing, best-in-class digital experience, innovative features like Vanishing Deductible, and 96% would recommend. Claims satisfaction is the one weak spot. Best for: digital-first consumers, safe drivers, and low-mileage drivers who want value without the claims concerns of budget insurers.