How Much Does Nationwide Car Insurance Cost?

Choosing a car insurance provider can feel overwhelming. If you're considering Nationwide, examining its pricing will help you determine if it's the best fit. However, we recommend gathering quotes from several companies to ensure you're securing the best value when you want to save money on your car insurance.

Nationwide car insurance pricing per month

A full-coverage car insurance policy from Nationwide costs $191 per month on average. Drivers who choose minimum liability-only coverage pay an average of $101.

Keep in mind these are average figures. Your actual rate may differ based on elements such as age, location, credit score, and driving history. While your personal rate with Nationwide could vary, these averages provide a useful benchmark for comparing different providers.

	Nationwide average monthly cost	National average monthly cost
Full coverage	$191	$186
Liability-only	$101	$104

Nationwide's rates versus other car insurance providers

Each company evaluates risk and applies discounts differently, which affects pricing. Comparing quotes helps you understand how Nationwide measures up for your particular circumstances.

Provider	Average monthly full coverage cost	Average monthly liability-only cost
State Farm	$114	$59
Progressive	$182	$106
GEICO	$148	$95
Allstate	$148	$79
USAA	$105	$56
Nationwide	$191	$101

Nationwide's rates by age

Age plays a significant role in Nationwide's pricing structure, as it does with most insurers. Car insurance for teen drivers carries the highest premiums, with full-coverage policies averaging $399 per month.

As you move into your 20s, rates generally decrease to an average of $243 with Nationwide. The decline continues through your 30s at an average of $187 and your 40s at $168.

The most favorable rates often appear for drivers in their 50s and 60s, with averages of $148 and $129 per month.

Once you reach your 70s, costs tend to increase again to around $124 monthly. This pattern reflects the insurer's risk assessment across different life stages.

Age group	Nationwide average monthly full coverage cost	National average monthly cost
Teens	$399	$360
20s	$243	$242
30s	$187	$199
40s	$168	$191
50s	$148	$177
60s	$129	$159
70s	$124	$162

Nationwide's rates for high-risk drivers

Traffic violations or accidents on your record will typically push your Nationwide insurance rates higher. High-risk drivers with a speeding ticket face average monthly costs of $252, while an at-fault accident brings rates to approximately $256.

The impact of a DUI is even more substantial, with average monthly premiums reaching $283. These numbers reflect standard pricing for high-risk situations, though your exact rate will vary based on the recency of the incident and other personal factors.

Driving record	Nationwide average monthly full coverage cost	National average monthly cost
Accident	$256	$249
Speeding ticket	$252	$241
DUI	$283	$275

How does your credit score affect your rate with Nationwide?

Your credit score influences insurance rates in all states except four: California, Hawaii, Massachusetts, and Michigan.

Where credit matters, Nationwide adjusts pricing according to your credit tier. Excellent credit translates to average monthly premiums of $170, while good credit results in slightly elevated rates near $188.

Those with average credit face monthly costs around $201, and poor credit pushes average premiums to approximately $234 per month.

These figures demonstrate credit's impact on your premium, though your final rate depends on other individual characteristics as well.

Credit score	Nationwide average monthly cost of full coverage	National average monthly cost
Excellent	$170	$164
Good	$188	$179
Average	$201	$194
Poor	$234	$228

FAQs

Can Nationwide's SmartRide program help me save on my car insurance?

Nationwide's SmartRide telematics program rewards safe driving behavior by tracking your habits through a mobile app or in-car device. You can earn an initial discount just for enrolling, and depending on how safely you drive, you might save significantly on your premium. The program monitors factors like braking, acceleration, and nighttime driving patterns.

What makes Nationwide's vanishing deductible feature unique compared to other carriers?

Nationwide offers a vanishing deductible program that reduces your deductible by a set amount for every year you remain accident-free, potentially saving you hundreds of dollars over time. This optional feature rewards long-term safe driving and loyalty by gradually lowering your out-of-pocket costs if you ever need to file a collision or comprehensive claim.

How does Nationwide handle claims compared to other major insurance companies?

Nationwide generally scores well in claims satisfaction studies, indicating that policyholders typically have positive experiences when filing claims. The company offers multiple ways to initiate claims including through their mobile app, online portal, by phone, or through local agents. While some customers report occasional delays in processing, Nationwide's claims handling typically receives above-average ratings, particularly for providing clear communication and fair settlements.

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Bottom line

Is Nationwide the right car insurance company for you? The best way to find out is to get quotes from this company as well as others and compare them based on price and service.

Data throughout provided by Insurify.

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