Nationwide auto insurance review for 2026

Nationwide auto insurance: Overall verdict

If you’re looking for a large, national carrierAn insurance carrier is the company that provides your car insurance policy and pays claims. that offers some of the lowest premiums, Nationwide is definitely on your side. It ranked third overall on our Best Car Insurance Companies list for 2026 and boasts the lowest premiums of all ranked companies.

It doesn’t offer as many discounts as some of its peers, but base rates are low enough that it might not matter. It also rated above average in customer satisfaction and has fewer complaints filed with the National Association of Insurance Commissioners (NAIC) than expected for a company of its size.

Nationwide availability and average premiums by state

Nationwide offers car insurance coverage in all but 4 states.

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State	Coverage	Average annual premium
Alabama	Full Coverage	$1,963
Alabama	Liability Only	$795
Alabama	Non-Owners	$827
Alabama	State Minimum	$683
Arizona	Full Coverage	$2,636
Arizona	Liability Only	$1,173
Arizona	Non-Owners	$929
Arizona	State Minimum	$1,090
Arkansas	Full Coverage	$2,673
Arkansas	Liability Only	$828
Arkansas	Non-Owners	$636
Arkansas	State Minimum	$612
California	Full Coverage	$4,227
California	Liability Only	$1,597
California	Non-Owners	$572
California	State Minimum	$1,118
Colorado	-	-
Connecticut	Full Coverage	$2,675
Connecticut	Liability Only	$1,210
Connecticut	Non-Owners	$1,417
Connecticut	State Minimum	$1,362
Delaware	Full Coverage	$1,936
Delaware	Liability Only	$1,089
Delaware	Non-Owners	$1,311
Delaware	State Minimum	$1,021
Florida	Full Coverage	$3,335
Florida	Liability Only	$2,053
Florida	Non-Owners	$632
Florida	State Minimum	$1,309
Georgia	-	-
Idaho	Full Coverage	$1,802
Idaho	Liability Only	$729
Idaho	Non-Owners	$283
Idaho	State Minimum	$784
Illinois	-	-
Indiana	-	-
Iowa	-	-
Kansas	Full Coverage	$2,119
Kansas	Liability Only	$681
Kansas	Non-Owners	$670
Kansas	State Minimum	$697
Kentucky	-	-
Maine	-	-
Maryland	Full Coverage	$1,834
Maryland	Liability Only	$899
Maryland	Non-Owners	$443
Maryland	State Minimum	$911
Michigan	-	-
Minnesota	Full Coverage	$2,515
Minnesota	Liability Only	$1,115
Minnesota	State Minimum	$1,128
Mississippi	Full Coverage	$2,559
Mississippi	Liability Only	$847
Mississippi	Non-Owners	$619
Mississippi	State Minimum	$706
Missouri	Full Coverage	$3,067
Missouri	Liability Only	$1,023
Missouri	Non-Owners	$858
Missouri	State Minimum	$993
Montana	Full Coverage	$2,180
Montana	Liability Only	$714
Montana	Non-Owners	$541
Montana	State Minimum	$577
Nebraska	-	-
Nevada	-	-
New Hampshire	Full Coverage	$1,475
New Hampshire	Liability Only	$712
New Hampshire	Non-Owners	$625
New Hampshire	State Minimum	$737
New Jersey	-	-
New Mexico	Full Coverage	$2,547
New Mexico	Liability Only	$961
New Mexico	Non-Owners	$630
New Mexico	State Minimum	$693
New York	-	-
North Carolina	Full Coverage	$2,452
North Carolina	Liability Only	$589
North Carolina	Non-Owners	$595
North Carolina	State Minimum	$575
North Dakota	Full Coverage	$1,250
North Dakota	Liability Only	$368
North Dakota	Non-Owners	$342
North Dakota	State Minimum	$394
Ohio	-	-
Oklahoma	-	-
Oregon	Full Coverage	$1,836
Oregon	Liability Only	$959
Oregon	Non-Owners	$1,151
Oregon	State Minimum	$995
Pennsylvania	Full Coverage	$1,809
Pennsylvania	Liability Only	$527
Pennsylvania	Non-Owners	$827
Pennsylvania	State Minimum	$444
Rhode Island	Full Coverage	$2,866
Rhode Island	Liability Only	$1,482
Rhode Island	Non-Owners	$644
Rhode Island	State Minimum	$1,286
South Carolina	Full Coverage	$2,130
South Carolina	Liability Only	$935
South Carolina	Non-Owners	$1,085
South Carolina	State Minimum	$876
South Dakota	Full Coverage	$2,442
South Dakota	Liability Only	$604
South Dakota	Non-Owners	$282
South Dakota	State Minimum	$601
Tennessee	Full Coverage	$2,373
Tennessee	Liability Only	$983
Tennessee	Non-Owners	$725
Tennessee	State Minimum	$978
Texas	-	-
Utah	Full Coverage	$1,188
Utah	Liability Only	$533
Utah	Non-Owners	$453
Utah	State Minimum	$448
Vermont	Full Coverage	$1,554
Vermont	Liability Only	$541
Vermont	Non-Owners	$406
Vermont	State Minimum	$521
Virginia	-	-
Washington	Full Coverage	$2,408
Washington	Liability Only	$895
Washington	Non-Owners	$534
Washington	State Minimum	$608
Washington, D.C.	Full Coverage	$2,847
Washington, D.C.	Liability Only	$1,342
Washington, D.C.	Non-Owners	$1,015
Washington, D.C.	State Minimum	$1,083
West Virginia	-	-
Wisconsin	Full Coverage	$1,825
Wisconsin	Liability Only	$601
Wisconsin	Non-Owners	$529
Wisconsin	State Minimum	$572
Wyoming	-	-

Read our methodology

*Some state rates will vary based on the addition of a hurricane deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. and may be much higher when included.

What auto insurance coverages does Nationwide offer?

Nationwide offers a full range of insurance policies to meet most drivers’ needs.

All primary car insurance coverage options are available:

Additional coverage offerings:

Rental reimbursement
Roadside assistance
Accident forgiveness
Scooter and classic car coverage
Gap insurance

How does Nationwide insurance rank?

Nationwide ranked third overall in our 2026 car insurance company ranking. Rates are below average at $205 a month, but credit rating agency AM Best did not rate its financial stability as highly as some of its top competitors. Still, with an A rating, it’s on solid financial ground.

The company performed well in several areas of the 2025 J.D. Power auto insurance surveys. Nationwide finished among the top choices overall in our ranking.

Here’s a look at how it compared to top competitors.

Company	AM Best	Customer satisfaction	NAIC**	Monthly premium	Overall score
Nationwide	A	88%	0.636	$205	4.19
Travelers	A++	89%	0.625	$175	4.55
GEICO	A++	83%	0.603	$179	4.5
Progressive	A+	78%	0.604	$223	4.05
Amica	A+	77%	0.588	$231	4.02
State Farm	A+	84%	0.869	$239	3.91
Allstate	A+	83%	1.2	$267	3.57
Farmers	A	84%	1.239	$257	3.52
USAA*	A++	90%	1.164	$131	4.53

Read our methodology

*USAA is only available to military members, veterans and their families, and as a result is not ranked.

**The lower a company’s score, the fewer the number of complaints filed with the NAIC. A score higher than 1.0 means it had a higher-than-average number of complaints.

How much is Nationwide car insurance?

Average full coverage rates for a 40-year-old driver with Nationwide are $2,463 per year or $205 per month. State Farm and Allstate came in below Nationwide at $2,874 a year and $3,205 a year, respectively.

If it’s low rates you’re after, then Nationwide is a top pick. Our study of the top insurance carriers found that Nationwide has below-average rates, lower than many national companies.

Here is a comparison of rates with several large peers. Premiums are based on full coverage insurance at 100/300/100, with a $500 collision/comprehensive deductible for a 40-year-old driver with a clean record.

Company	Average annual rate	Average monthly rate
Nationwide	$2,463	$205
Allstate	$3,205	$267
Amica	$2,767	$231
Farmers	$3,085	$257
GEICO	$2,148	$179
Progressive	$2,675	$223
State Farm	$2,874	$239
Travelers	$2,103	$175
USAA	$1,572	$131

Read our methodology

Nationwide car insurance rates by state

While Nationwide generally has some of the lowest rates in most states, drivers in California, Florida and Missouri will find they need to pay a little more for coverage. Drivers in Utah and North Dakota will get some of the best deals.

One of the biggest factors influencing what you pay for car insurance is where you live.

Some states have considerably higher insurance rates due to factors like frequent hail events, flooding and higher litigation costs.

Here’s a look at Nationwide’s average annual car insurance rates by state.

State	State minimum	Liability (50/100/50)	Full coverage 100/300/100; $500 deductible
Alabama	$683	$795	$1,963
Arkansas	$612	$828	$2,673
Arizona	$1,090	$1,173	$2,636
California	$1,118	$1,597	$4,227
Connecticut	$1,362	$1,210	$2,675
Washington, D.C.	$1,083	$1,342	$2,847
Delaware	$1,021	$1,089	$1,936
Florida	$1,309	$2,053	$3,335
Idaho	$784	$729	$1,802
Kansas	$697	$681	$2,119
Maryland	$911	$899	$1,834
Minnesota	$1,128	$1,115	$2,515
Missouri	$993	$1,023	$3,067
Mississippi	$706	$847	$2,559
Montana	$577	$714	$2,180
North Carolina	$575	$589	$2,452
North Dakota	$394	$368	$1,250
New Hampshire	$737	$712	$1,475
New Mexico	$693	$961	$2,547
Oregon	$995	$959	$1,836
Pennsylvania	$444	$527	$1,809
Rhode Island	$1,286	$1,482	$2,866
South Carolina	$876	$935	$2,130
South Dakota	$601	$604	$2,442
Tennessee	$978	$983	$2,373
Utah	$448	$533	$1,188
Vermont	$521	$541	$1,554
Washington	$608	$895	$2,408
Wisconsin	$572	$601	$1,825

Read our methodology

Nationwide insurance rates for teens

The average cost of a teen car insurance policy with Nationwide is $7,821 a year.

As is the case with practically all insurers, teenage drivers will pay some of the most expensive rates for car insurance with Nationwide, but rates come down substantially by the time you enter your 20s.

Here’s what a teenage driver can expect to pay with Nationwide compared to average rates for older drivers.

Company	Teens (16-19)	Young adults (20-24)	40-year-old adult
Nationwide	$7,821	$3,824	$2,463
Allstate	$9,895	$4,811	$3,205
Amica	$9,594	$4,704	$2,767
Farmers	$11,628	$4,595	$3,085
GEICO	$6,112	$3,186	$2,148
Progressive	$10,196	$4,372	$2,675
State Farm	$7,922	$4,624	$2,874
Travelers	$6,417	$3,270	$2,103
USAA	$5,267	$2,492	$1,572

Read our methodology

Nationwide insurance rates for adults

At age 25, the average cost of insurance with Nationwide is $2,966 for a male and $2,794 for a female. That drops by age 40 to $2,475 a year for a male and $2,451 for a female.

While rates can vary slightly by insurance company, adults will pay some of their lowest rates around the age of 60-65. With Nationwide, rates are lowest around age 60 and then start to increase again.

Here’s what adults can expect to pay on average for full coverage car insurance with Nationwide at various ages.

Age	Average annual premium, male	Average annual premium, female
25	$2,966	$2,794
30	$2,634	$2,568
35	$2,543	$2,500
40	$2,475	$2,451
45	$2,403	$2,363
50	$2,314	$2,266
55	$2,223	$2,163
60	$2,185	$2,124

Read our methodology

Nationwide insurance rates for seniors

The average cost of car insurance with Nationwide at age 65 is $2,229 a year for a male and $2,135 for a female. After 65, car insurance rates tend to increase.

Here’s what senior drivers can expect to pay with Nationwide at various ages.

Age	Average annual premium, male	Average annual premium, female
65	$2,229	$2,135
70	$2,357	$2,217
75	$2,530	$2,332

Read our methodology

Nationwide insurance rates for drivers with tickets, accidents and poor credit

Drivers who cause an accident usually pay about 40% more for car insurance than drivers with a clean record. This is the largest increase compared to other driving violations.

Insurers are very good at crunching vast amounts of data to get accurate risk profiles of drivers. Your driving record is another good indicator of risk; drivers with tickets and accidents are more likely to file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. in the future. They also consider factors you may not have considered, such as credit rating. A poor credit rating is statistically correlated with filing more claims.

Nationwide insurance discounts and ways to save

Most carriers offer a wide range of discounts that can help lower your rates. Nationwide does offer a number of common discounts for such things as bundling and having a good driving record, among others.

The discounts can range from 5% to as much as 40% and sometimes you can qualify for multiple discounts.

Nationwide car insurance discounts include the following:

Multi-policy discount
Multi-car discount
Nationwide family plan
Safe driver/accident-free discount
Good student discount
Student away discount
Farm Bureau discount
Defensive driving course
Accident prevention course
Anti-theft device installation
New vehicle discount
Air bag discount.
Easy pay sign-up
Long-term policyholder
Affinity partner discount
SmartRide driver behavior monitoring app discount

What do people ask about Nationwide insurance?

Why did Nationwide nonrenew my car insurance?

If you have received a nonrenewal notice from Nationwide, call the company and ask for the reason. There are a number of reasons an insurance company might decide not to renew a car insurance policy, but the main reason is a change in risk. That risk may be directly related to you as a driver or your household, or it may be regional. When risk increases in a certain region, companies may decide to reduce their exposure in that area by nonrenewing policies.

Why did my Nationwide insurance rate go up?

There are a lot of reasons for car insurance rates to increase. It may be related to changes in your risk profile, or it may be a general rate increase across the board. In recent years, car insurance rates have jumped nationwide in response to increased claim costs due to inflation, increases in the cost of parts and labor and increases in severe weather.

Is Nationwide a good insurance company?

In our survey, customers gave Nationwide better than average marks for customer satisfaction and consumer research firm J.D. Power rated it just slightly below average for auto claims satisfaction.

Of course, if you check online forums, you will see plenty of tales from drivers who say Nationwide was not on their side in resolving a claim. However, the same can be said for most of the major carriers as people are more apt to post their negative experiences.

Sources & Methodology

Methodology

We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on: