Nationwide Insurance Company Review 2025

Auto Insurance Discounts:

• Multi-policy discount: Customers who bundle home and car insurance with Nationwide can save money on each policy.
• SmartRide discount: Customers can earn a discount by joining Nationwide's usage-based insurance program, which provides feedback to help customers make safer driving decisions.
• SmartMiles discount: Customers can earn a discount based on the number of miles they drive.
• Accident-free discount: Customers can get a discount by maintaining an accident-free driving record.
• Good student discount: Drivers are eligible for a discount if they are between the ages of 16 and 24 and maintain a B average or better.
• Defensive driving discount: Customers who complete a state-approved safety course can get a discount. (Customers may have to be 55 or over to be eligible.)
• Anti-theft discount: This discount applies if a customer’s vehicle is equipped with certain anti-theft devices. Proof of the installed device may be required.
• Safe driver discount: If customers have at least five years of safe driving, they could be eligible for a lower car insurance rate.
• Easy Pay sign-up discount: Customers who set up automatic deductions from their bank accounts will get a one-time discount.
• Affinity member discount: Customers can get a discount just for being a member of a qualifying organization.

Motorcycle Insurance Discounts:

• Multi-policy discount: Customers can save money when they combine their home, vehicle, or life insurance policies.
• Multi-vehicle discount: Customers can get a motorcycle discount when they bundle two or more of their vehicles, boats, ATVs, snowmobiles, or scooters.
• Motorcycle safety course discount: Customers who complete an approved safety course can earn a discount.
• Theft-recovery device discount: By adding one of these devices to their vehicles, customers can save money on comprehensive coverage.
• Homeowner discount: Customers who own a home, condo, townhome, or mobile home are eligible for a discount.
• Paid in full discount: Customers can pay less for motorcycle insurance by paying their entire policy premium in full when they buy or renew their policy.
• Anti-lock brake discount: If a customer’s motorcycle is equipped with a factory-installed anti-lock braking system (ABS), they will get a discount.
• Affinity member discount: Customers can get a discount just for being a member of a qualifying organization.
• Riding association discount: Customers who are members of a riding association may be eligible for a discount.

ATV Insurance Discounts:

• Multi-policy discount: Customers can get an all-terrain vehicle insurance discount when they also have auto insurance, life insurance, or home insurance with Nationwide.
• Multi-vehicle discount: Customers can save by insuring their motorcycles, snowmobiles, and scooters. Personal watercraft are excluded from this discount.
• ATV safety course discount: Customers can get a discount on their ATV insurance rates when they complete an approved safety course.
• Theft-recovery device discount: Customers can save on comprehensive coverage if their vehicle has a professionally installed radio or GPS theft-recovery system.
• Paid in full discount: Customers can save money by paying their 12-month premium in full.
• Riding association discount: If customers are a member of a riding association, they can earn a discount.
• Homeowner discount: Customers who own a home, condo, townhome, or mobile home may be eligible for discounted ATV insurance rates.

RV Insurance Discounts:

• Multi-policy discount: Customers can get an RV insurance discount when they combine their home, boat, vehicle, or life insurance policies.
• Multi-vehicle discount: Customers can get a discount when they bundle two or more of their boats, ATVs, snowmobiles, motorcycles, or scooters.
• RV safety course discount: Customers can save money on their RV insurance when they complete an approved state RV safety course, such as those provided by the RV Safety and Education Foundation.
• RV association discount: If a customer is a member of an RV club, such as the National RV Association, they may qualify for a discount.
• Paid in full discount: Customers can save when they pay their entire premium for their full-term policy when they are billed.
• Good driver discount: Customers may get a discount for driving safely and staying accident-free for 36 months.
• Prior insurance discount: Customers can earn premium savings for maintaining continuous coverage on their camper or RV.
• Claims-free renewal discount: Customers who were claim-free during the previous policy period could receive a discount at renewal.
• Affinity member discount: Customers who are members of a qualifying organization may be eligible for a discount.

Boat Insurance Discounts:

• Multi-policy discount: Customers can get a boat insurance discount when they combine their home, boat, vehicle, or life insurance policies.
• Multi-boat discount: Customers can save when they insure more than one boat. Personal watercraft are excluded.
• Boater safety course discount: Customers can earn savings when they complete an approved water safety course.
• Diesel fuel discount: Customers can get a discount when they buy a diesel-powered boat.
• Paid in full discount: Customers who pay their 12-month premium in full can get more affordable boat insurance rates.
• Claims-free renewal discount: Customers who remained claim-free during the prior policy term can receive a discount at renewal.

Personal Watercraft Discounts:

• Multi-policy discount: Customers can save money when they combine their personal watercraft, home, boat, vehicle, or life insurance policies.
• Personal watercraft safety course discount: Customers can get a personal watercraft insurance discount when they complete an approved water safety course.

Scooter Insurance Discounts:

• Multi-policy discount: Customers can get a scooter insurance discount when they already have a home, boat, vehicle, or life insurance policy with Nationwide.
• Multi-vehicle discount: Customers can save on scooter or moped insurance by bundling two or more of their automobile, boat, ATV, snowmobile, or motorcycle policies with Nationwide.
• Moped or scooter safety course discount: Customers who complete an approved moped or scooter safety course can qualify for a discount on scooter or moped insurance.

Homeowners Insurance Discounts:

• Multi-policy discount: Customers can get a discount on home and renters insurance when they bundle their property and auto insurance with Nationwide.
• Protective device discount: Customers can get a discount if their home has smoke detectors, fire alarms, burglar alarms, or other qualifying devices.
• Claims-free discount: Customers may qualify for a lower premium on their home insurance when they stay claims-free.
• Home renovation credit: Customers can get a discount for renovating their home’s plumbing, heating, cooling, or electrical systems.
• Roof rating discount: Customers can save based on their roof's age and surface type.
• Home purchase discount: Customers could receive a discount if they purchased a home within the last 12 months.
• Prior insurance discount: For new members, this discount is based on the number of years they were continuously insured by their previous carrier.
• Gated community discount: Customers can get a discount when all vehicle entrances to their community are always protected by security guards, residence cards, or key-lock devices.

Renters Insurance Discounts:

• Multi-policy discount: Customers can save money by combining their renters insurance with their auto or other insurance policy.
• Protective device discount: Customers can get a discount if their home has smoke detectors, fire alarms, burglar alarms, or other qualifying devices.
• Claims-free discount: Customers with no claims on their policy may qualify for a better rate.

Condo Insurance Discounts:

• Multi-policy discount: Customers can get a discount on condo insurance rates when they combine two or more policies.
• Protective device discount: Customers can get a discount if their condo has smoke detectors, fire alarms, burglar alarms, or other qualifying devices.
• Claims-free discount: Customers with no claims on their policy might qualify for a lower premium.
• Home purchase discount: Customers could receive a discount if they purchased a home within the last 12 months.
• Gated community discount: Customers can get a discount when all vehicle entrances to their community are always protected by security guards, residence cards, or key-lock devices. (Available in a limited number of states)

• Phone
• Live chat
• Online bill pay
• Email
• Online claims reporting
• Mobile app

Customer service availability — Customer service availability varies depending on the department you choose. 24/7 claims reporting is available. Typical customer service hours are:

		Days	Hours (EST)
		Monday-Friday	8 a.m. - 9 p.m.
		Saturday	9 a.m. - 7 p.m.
		Sunday	9 a.m. - 7 p.m.

Nationwide Insurance number: 1-877-669-6877