Nationwide Insurance Review

Who It's Best For / Not For

Who Nationwide is best for:

• Customers who combine home, auto, and additional policies like life or pet.

• Drivers who can take advantage of telematics savings as part of their home insurance discount.

• Customers who value strong digital tools plus policy variety.

Who should consider other options:

• Customers in states where Nationwide home insurance isn't offered.

• Shoppers seeking the highest possible bundle discount ceiling.

• Households that only combine two policies may find better discounts elsewhere.

Key Facts

Nationwide By the Numbers

Nationwide's company size helps explain why its policy lineup, financial services depth, and telematics infrastructure perform the way they do. The figures below give a sense of the company's scale relative to other major U.S. insurers.

Nationwide Financial Strength

Nationwide holds an A+ (Superior) financial strength rating from AM Best. This rating signals that the company has a superior ability to meet ongoing policyholder obligations.
As a long-established mutual insurer with diversified financial services operations, Nationwide ranks among the largest U.S. property and casualty insurers.

Nationwide Reviews: Editorial Rating

Trusted Company Reviews Rating Score for Nationwide: 8.8

Nationwide earns a score of 8.8 in our review, based on our strict scoring metrics. The company ranks in our overview of the best insurers for home and auto bundling, as well as our review of the best cheap home insurance providers. Its score reflects a strong overall set of features and policy variety, balanced against limited location availability of home coverage and a lower bundle discount ceiling than top competitors.

Key scoring drivers:

Strong Coverage Options & Customization rating driven by broad policy lineup.
Solid Reputation & Financial Strength rating from long-standing AM Best ratings.
Pulled down by lower Bundle Savings rating relative to top-tier competitors.

How Nationwide scored on each weighted attribute:

What Makes Nationwide Different?

Unlike most major bundlers, which keep auto and home savings separate, Nationwide's SmartRide program directly connects safe driving behavior to home insurance pricing at renewal, which is a feature that no other top-tier bundler currently matches.

Features and Benefits

The defining feature of a Nationwide bundle is the variety of policy types customers can combine under the umbrella. Another unique benefit is the option to pair the SmartRide telematics program to both auto and home savings.

• Bundle discount of up to 15% on combined home and auto.

• SmartRide telematics can add a home insurance discount based on safe driving.

• Broad lineup including life, pet, motorcycle, RV, and umbrella policies.

• Add-ons including identity theft, brand-new belongings, and water backup coverage.

• Strong mobile app and intuitive online tools for policy management.

• Independent agent network for claims and policy changes.

Bundle Combinations Available With Nationwide

In addition to Nationwide's bundle savings for home and auto policies, the company also supports a wide range of multi-policy combinations across its product lineup, many of which qualify for stacked multi-line discounts.

Full Insurance and Financial Services Lineup

Nationwide offers one of the broadest product lineups among major U.S. bundlers, covering property and casualty, life and health, pet, and financial services. Customers who can consolidate multiple lines through the company can simplify their billing and may qualify for additional stacked discounts.

Property & Casualty

• Auto, motorcycle, ATV, snowmobile, classic car, and RV.

• Homeowners, renters, condo, manufactured home, and landlord/rental dwelling.

• Boat and personal watercraft.

• Personal liability umbrella.

• Identity theft and standalone flood insurance.

Pet Insurance

• Accident and illness coverage for dogs, cats, and exotic pets.

• Wellness add-on for routine and preventive veterinary care.

• One of the largest and longest-running pet insurers in the United States.

Life & Health

• Term life, whole life, universal life, and indexed universal life.

• Accident and disability income protection.

• Long-term care coverage through partner carriers.

Financial Services

• Retirement plans, 401(k), and 403(b) options through Nationwide Financial.

• Traditional and Roth IRAs.

• Fixed, indexed, and variable annuities.

• Mutual funds and managed investment accounts.

Nationwide also offers small business and agribusiness coverage, including business owner's policies, commercial auto, workers' compensation, and farm and ranch coverage.

Pricing & Value

Nationwide bundle pricing typically lands in the mid-range, with strong value for households that combine three or more policies under the carrier.

• Combined home and auto pricing generally hovers near the national average.

• Bundle discount of up to 15% is lower than that of top-tier competitors.

• SmartRide telematics can stack additional auto and home savings.

The bundle tends to deliver the most value for households combining three or more Nationwide policies, where stacked discounts across lines yield greater combined savings.

Nationwide Insurance Customer Reviews

Nationwide customer reviews are generally positive regarding policy variety and available digital tools (mobile app), with mixed scores on claims responsiveness in recent J.D. Power studies.

Customers most often mention that they appreciate the mobile app, agent accessibility, and the value of the SmartRide program. Negative feedback typically cites premium increases at renewal and inconsistent claims handling for complex loss cases.

Common Complaints

• Home insurance availability is limited in several states, which restricts the bundle option for some customers.

• Premium increases at renewal are often reported as being higher than expected, particularly after a claim.

• Claims handling is reported as being inconsistent across regions and claim types, especially on more complex cases.

• Some bundle savings require active enrollment in SmartRide and ongoing engagement with the telematics program.

How Nationwide Compares

Nationwide vs Farmers: Nationwide offers broader multi-policy combinations across pet, life, RV, motorcycle, and umbrella coverage under a single carrier. Farmers counters with tiered home coverage options (Standard, Enhanced, Premier) and a higher bundle discount ceiling for households focused mainly on home and auto.

Nationwide vs State Farm: Nationwide has a wider multi-policy lineup, particularly across pet and financial services, while State Farm consistently leads on J.D. Power claims satisfaction and operates the country's largest agent network.

Nationwide vs Allstate: Nationwide's SmartRide program uniquely ties safe driving to a homeowners discount, while Allstate counters with a higher bundle discount ceiling and more aggressive stackable Drivewise telematics savings on the auto side.

Nationwide Insurance Alternatives

Nationwide stands out for its wide selection of policy types and for tying its auto telematics to a home insurance discount. However, Nationwide may not be the strongest fit for customers in states where home coverage is unavailable or for customers looking to maximize their bundling discounts. Some of the company's closest competitors offer stronger headline savings, claims satisfaction reviews, or different multi-policy combinations.

Our overview of the best home and auto insurance bundles covers how these carriers compare across savings, coverage, and claims satisfaction.

• Farmers: Best for tiered home coverage (Standard, Enhanced, Premier) and the highest bundle savings potential.

• State Farm: Strong option for those seeking highly-rated claims handling and a far-reaching local agent network.

• Allstate: Good fit for active discount stackers who want a higher bundle ceiling and aggressive Drivewise telematics savings.

• Travelers: Best for long-term financial strength and customizable coverage add-ons with strong telematics savings potential.

Should You Choose Nationwide?

Nationwide is most competitive for households combining three or more policy types, especially when pet, life, RV, or motorcycle coverage is part of the mix, and for safe drivers who want SmartRide's home insurance discount link. It's less competitive for customers in states where home coverage is unavailable or for those focused mainly on the highest possible bundle discount potential.

Final Verdict

Multi-policy households that combine home, auto, and additional lines like pet, life, or specialty vehicles are most likely to experience the strongest value from Nationwide, especially when using SmartRide. On the other hand, customers in states where Nationwide home coverage isn't available, or those focused mainly on maximum bundle savings, will find stronger options among the other carriers in our overview of the best home and car bundling companies.