Nationwide Auto Insurance: Coverage, Discounts & Quotes | Newest Cars Insurance

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Nationwide Auto Insurance

Explore Nationwide car insurance coverage, discounts, SmartRide, SmartMiles, Accident Forgiveness, claims services and flexible options designed to help drivers customize their auto insurance protection.

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Nationwide Auto Insurance Overview

A look at Nationwide’s auto insurance coverage, savings programs and customer services.

Nationwide offers customizable auto insurance policies with a range of standard and optional coverages. Its auto insurance offerings include liability, collision, comprehensive, uninsured and underinsured motorist, medical payments and other protection options.

Nationwide also provides usage-based programs such as SmartRide® and SmartMiles®, along with features such as Accident Forgiveness, Roadside Assistance and Vanishing Deductible, subject to state availability and eligibility.

Up to 40% Nationwide says eligible SmartRide participants may receive savings of up to 40%, depending on state and driving behavior.

$500 Maximum potential Vanishing Deductible credit under the program’s stated terms.

24/7 Nationwide highlights round-the-clock access to its On Your Side Claims Service.

Nationwide Auto Insurance Coverage

Standard and optional coverage choices available through Nationwide, subject to state rules.

Bodily Injury Liability

Can help pay eligible medical bills and loss of income when you are legally responsible for an accident that injures another person.

Property Damage Liability

Can help pay for damage to another person’s vehicle or property when you are legally responsible for a covered accident.

Collision Coverage

Can help pay for covered damage to your vehicle resulting from a collision with another vehicle or object.

Comprehensive Coverage

Can help cover eligible damage from events other than collisions, including theft, vandalism, weather events and animal-related accidents.

Uninsured Motorist

Can help protect you and your vehicle when an accident involves an uninsured driver or certain hit-and-run situations.

Underinsured Motorist

Can provide additional protection when another driver’s insurance is not sufficient to cover eligible accident costs.

Medical Payments

Can help pay eligible medical expenses for you and your passengers following a covered accident.

Rental Car Expense

Can provide access to a rental vehicle or other transportation while your vehicle is being repaired after a covered accident.

Gap Coverage

May help cover the difference between a vehicle’s actual cash value and the amount owed on an eligible loan or lease after a covered total loss.

Roadside Assistance

Nationwide offers optional roadside assistance that can provide help with situations such as towing, jump-starts, tire changes and fuel delivery.

Accident Forgiveness

Nationwide’s Accident Forgiveness option can help prevent a rate increase after a qualifying first at-fault accident or minor violation, subject to eligibility and state-specific terms.

Nationwide Auto Insurance Discounts

Available discounts vary by state, policy, driver profile and eligibility.

● Multi-Policy

Customers may be able to save by combining eligible insurance policies with Nationwide.

● Multi-Car

Eligible households may receive a discount when insuring multiple vehicles.

● SmartRide

Eligible drivers may receive savings based on participation and qualifying driving behavior.

● SmartMiles

The usage-based SmartMiles program is designed for eligible drivers who may benefit from mileage-based pricing.

● Safe Driver

Drivers with qualifying safe driving histories may be eligible for insurance savings.

● Paperless

Eligible customers may receive savings for selecting electronic policy documents.

● Good Student

Qualifying students may be eligible for student-related insurance discounts.

● Defensive Driving

Drivers who complete qualifying defensive driving courses may be eligible for savings where available.

● Anti-Theft

Vehicles with qualifying anti-theft equipment may be eligible for a discount.

Nationwide SmartRide® & SmartMiles®

Nationwide offers two usage-based insurance programs designed for different driving patterns: SmartRide, which focuses on driving behavior, and SmartMiles, which uses mileage as part of its pricing structure.

SmartRide®

SmartRide is a usage-based insurance program that evaluates driving behaviors such as mileage, hard braking, acceleration and nighttime driving.

Nationwide says eligible participants may receive savings of up to 40%, depending on driving behavior and state-specific rules.

SmartMiles®

SmartMiles is designed for lower-mileage drivers. Its premium includes a base amount plus a variable component based on the miles driven and coverages in force.

It may be useful for drivers who work from home, have short commutes, use public transportation frequently or have a vehicle that is driven less often.

Driving Feedback

SmartRide can provide information about driving behavior and help participating drivers understand factors that can affect their potential discount.

Personalized Pricing

Usage-based insurance allows eligible drivers to have pricing that reflects qualifying mileage or driving behavior instead of relying only on traditional rating factors.

Important: SmartRide and SmartMiles availability, discounts, rating rules and program criteria vary by state. Nationwide states that actual savings depend on factors including state, coverage selections, rating factors, policy changes and driving behavior.

Nationwide Auto Insurance Features

Additional services and optional features that may be available to eligible Nationwide auto customers.

01. Vanishing Deductible®

Eligible customers can earn $100 off their comprehensive and/or collision deductible for each year of safe driving, up to a maximum credit of $500.

02. On Your Side® Claims Service

Nationwide’s claims service provides customer support, while participating On Your Side Auto Repair Network facilities include a written guarantee on qualifying repairs.

03. On Your Side® Review

Nationwide provides an annual review that can help customers review their coverage and identify eligible discounts as their circumstances change.

04. Digital Account Access

Eligible customers can manage policy information, make payments, access insurance ID cards and report claims through Nationwide’s online and mobile services.

05. Roadside Assistance

Optional roadside assistance can provide emergency help for situations such as towing, jump-starts, tire changes and fuel delivery.

06. Total Loss Deductible Waiver

Nationwide lists a total loss deductible waiver as an optional feature that may waive a physical damage deductible following an eligible total loss.

Nationwide Auto Claims

Nationwide provides online and phone-based options for reporting and managing eligible auto claims.

Stay Safe

After an accident, move to a safe location when possible and contact emergency services if needed.

Report the Claim

Start your claim through Nationwide’s available online account or claims channels.

Provide Details

Provide relevant accident, vehicle, driver and damage information requested during the claim.

Repair & Follow Up

Use available repair network and claims resources while Nationwide processes the claim.

Explore Nationwide Auto Insurance

Visit Nationwide’s official website to review current coverage options, discounts, SmartRide and SmartMiles availability, and quote information.

Visit Official Nationwide Website

Nationwide Auto Insurance FAQ

Common questions about Nationwide car insurance.

What types of auto insurance does Nationwide offer?

Nationwide offers liability, collision, comprehensive, uninsured and underinsured motorist, medical payments, rental car expense, gap coverage and other auto insurance options. Availability and requirements vary by state.

Does Nationwide offer auto insurance discounts?

Yes. Nationwide offers a variety of potential discounts and savings programs. Examples include multi-policy, multi-car, SmartRide, SmartMiles and other qualifying discounts. Eligibility varies by state and policy.

What is Nationwide SmartRide?

SmartRide is Nationwide’s usage-based insurance program that evaluates qualifying driving behavior. Nationwide says eligible participants may receive savings based on driving behavior, with availability and program criteria varying by state.

What is Nationwide SmartMiles?

SmartMiles is a usage-based insurance program designed for eligible lower-mileage drivers. The program uses a base premium plus a variable premium based on miles driven and the coverages in force.

Does Nationwide offer Accident Forgiveness?

Yes. Nationwide lists Accident Forgiveness as an optional auto insurance feature that can help prevent a rate increase after a qualifying first at-fault accident or minor violation, subject to eligibility and state availability.

What is Nationwide Vanishing Deductible?

Vanishing Deductible is an optional feature that can reduce an eligible customer’s comprehensive and/or collision deductible by $100 for each year of safe driving, up to a stated maximum of $500.

Does Nationwide offer roadside assistance?

Yes. Nationwide lists Roadside Assistance as an optional feature that can provide emergency help such as towing, jump-starts, tire changes and fuel delivery.

How can I get a Nationwide auto insurance quote?

You can visit Nationwide’s official auto insurance website to begin a quote, review available coverage options or contact a Nationwide agent.

Official Nationwide Sources

Disclaimer: This page is provided for informational purposes only and is not an insurance quote, policy offer or binding contract. Coverage, discounts, rates, eligibility, availability and policy terms vary by state and individual circumstances. Insurance terms and conditions contained in an individual policy or declaration page control. Always confirm current information directly with Nationwide or a licensed insurance professional.