Nationwide Car Insurance Review: SmartRide Savings and Rates (2026)

Nationwide averages $215 to $233 a month for full coverage — roughly $2,325 to $2,585 a year, depending on the data source — and scored 729 out of 1,000 in J.D. Power's 2025 Auto Claims Satisfaction Study, ranking 4th nationally among carriers measured. For the full carrier lineup, see our best car insurance companies pillar guide.

Nationwide at a glance

Pros

Nationwide's SmartRide usage-based program has been ranked the #1 telematics program by J.D. Power in both 2024 and 2025, with reported savings up to 40% for safe drivers — see our usage-based telematics insurance guide for how this category of discount generally works and its risks. Nationwide also offers a Vanishing Deductible feature that lowers your out-of-pocket cost with every claim-free year, and posts the highest digital-experience score among mainstream insurers according to J.D. Power, alongside a 729/1,000 claims-satisfaction score that ranks 4th nationally — well above the 644 industry average (see our best customer satisfaction guide for how this compares across carriers).

Cons

Despite the strong claims-satisfaction ranking specifically, Nationwide scores only slightly below average on some broader J.D. Power customer satisfaction measures, and customer reviews frequently cite frustration with rate increases at renewal and a claims process some describe as slow. Nationwide also offers fewer overall discounts than some competitors, narrowing your options if SmartRide's driving-based discount doesn't fit your situation.

Who Nationwide is actually best for

Nationwide is a strong fit for safe, low-risk drivers willing to enroll in SmartRide to capture its telematics discount, and for drivers who value a Vanishing Deductible over time. Drivers who want the broadest possible discount menu without behavior tracking may find better options elsewhere; see our best car insurance companies guide for the full field.

Frequently asked questions

How much does Nationwide car insurance cost?+

Full coverage averages roughly $2,325 to $2,585 a year depending on the data source, translating to about $215 to $233 a month.

Is Nationwide good at handling claims?+

Yes on this specific measure — Nationwide scored 729 out of 1,000 in J.D. Power's 2025 Auto Claims Satisfaction Study, ranking 4th nationally and well above the 644 industry average, even though it scores only slightly below average on some broader customer satisfaction measures.

How much can SmartRide save on Nationwide car insurance?+

Up to 40% for safe drivers, and the program has been ranked the #1 usage-based insurance program by J.D. Power in both 2024 and 2025.

What is Nationwide's Vanishing Deductible?+

A feature that automatically reduces your collision deductible for every consecutive claim-free year, lowering your out-of-pocket cost if you do eventually need to file a claim.