Nationwide Auto Insurance Review 2026

Nationwide Auto Insurance Ratings

Nationwide Auto Insurance Overview

Nationwide offers auto insurance with a range of standard and optional coverage choices designed to help protect drivers, passengers and vehicles. Coverage availability, limits, deductibles and requirements can vary depending on the state and individual policy.

Auto Insurance Coverage

Nationwide provides several common auto insurance coverages along with optional protections that can be added to eligible policies.

• Liability coverage can help cover qualifying bodily injury and property damage claims for which the insured is legally responsible.
• Collision coverage can help pay for covered damage to an insured vehicle resulting from a collision, subject to the policy deductible and terms.
• Comprehensive coverage can help protect against qualifying damage caused by events other than collision, such as theft, fire, weather and other covered events.
• Uninsured and underinsured motorist coverage may help provide protection when an insured driver is involved in an accident with a driver who has insufficient or no applicable insurance.
• Medical payments coverage may help with qualifying medical expenses resulting from a covered accident.
• Roadside Assistance is an optional service that can provide qualifying emergency help, including towing, jump-starts and tire changes.
• Accident Forgiveness is an optional feature available subject to eligibility and state requirements.
• Vanishing Deductible is an optional Nationwide feature that can reduce the deductible for eligible customers based on qualifying safe-driving history.
• Additional coverage options may be available depending on the customer’s state and policy.

Nationwide Auto Insurance Discounts

Nationwide offers several ways for eligible customers to save on auto insurance. Discounts and eligibility requirements can vary by state, policy and customer circumstances.

• SmartRide discount may reward qualifying safe-driving behavior through Nationwide’s usage-based insurance program.
• Multi-policy discount may be available when customers combine eligible Nationwide insurance policies.
• Good student discount may be available to qualifying students.
• Safe driver discount may be available to qualifying drivers with an eligible driving history.
• Defensive driving discount may be available to eligible customers who complete an approved defensive-driving course.
• Anti-theft discount may apply when a qualifying vehicle has eligible anti-theft equipment.
• Automatic payment discount may be available for eligible customers who use automatic payment arrangements.
• Accident-free savings may be available for qualifying drivers depending on state and policy eligibility.
• Additional savings opportunities may apply depending on the customer’s state, vehicle, driving history, payment method and other qualifying factors.

Nationwide SmartRide

SmartRide is Nationwide’s usage-based insurance program that provides personalized feedback about driving behavior and can provide eligible customers with a discount.

How SmartRide Works

• Customers enroll in the SmartRide program and activate the applicable mobile app or device.
• SmartRide monitors qualifying driving information during the program.
• The program can provide feedback about driving behavior and driving trends.
• Nationwide states that eligible customers can receive an enrollment discount and potentially earn a higher discount based on qualifying driving behavior.
• Nationwide states that SmartRide can provide savings of up to 40%, subject to state availability, eligibility and program terms.

Driving Factors Used by SmartRide

Nationwide says SmartRide can consider several driving factors, including miles driven, hard braking and acceleration, idle time and nighttime driving.

Nationwide SmartMiles

SmartMiles is Nationwide’s pay-per-mile auto insurance program designed for eligible drivers who drive relatively few miles. The program uses a flexible monthly premium based partly on the number of miles driven.

How SmartMiles Works

• The SmartMiles premium consists of a base premium and a variable mileage-based premium.
• The variable portion changes according to the qualifying miles driven during the billing period.
• Mileage can be measured using a device or an eligible connected vehicle.
• Nationwide describes SmartMiles as an option for low-mileage drivers who may benefit from a mileage-based premium structure.
• A safe-driving behavior discount may also be available to eligible SmartMiles customers.

Who May Consider SmartMiles?

Nationwide specifically describes SmartMiles as a program for drivers who drive less than the average driver. It may be relevant to people who work from home, have a short commute, use public transportation frequently or have a vehicle that is driven infrequently.

Nationwide Accident Forgiveness

Nationwide offers Accident Forgiveness as an optional auto insurance feature. Depending on eligibility and state-specific terms, the feature can help prevent a qualifying accident from producing a rate increase.

Nationwide also describes Accident Forgiveness as one of its optional auto insurance features, alongside other customizable protections.

Nationwide Auto Insurance Claims

Nationwide provides online and phone-based tools for filing and tracking auto insurance claims. Customers can also contact their Nationwide insurance agent for assistance with the claims process.

Filing a Nationwide Auto Claim

• Customers can file an auto claim through their Nationwide online account.
• Customers can contact Nationwide’s claims department by phone.
• Customers can contact their Nationwide insurance agent.
• Nationwide provides tools that allow customers to check the status of an existing claim.
• Nationwide also provides text updates for certain auto claims.

Nationwide Claims Phone Number

Nationwide’s official claims information lists 1-800-421-3535 for reporting claims.

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Important Information

This page is an independent informational resource and is not affiliated with, endorsed by, or sponsored by Nationwide. Insurance coverage, pricing, discounts, eligibility and availability can vary by state, driver, vehicle, policy and other factors. Always verify current details directly with Nationwide or a licensed insurance professional.