Nationwide Insurance Review

Quick facts

Coverage types offered

What Nationwide does well

• Below-average complaint ratio
• Strong On Your Side claims review process
• Farm Bureau partnerships for rural customers
• Competitive bundling discounts

Where Nationwide falls short

• Not available in all states
• Fewer discount options than GEICO or Progressive
• Online experience lags behind digital-first competitors

Full review

Nationwide is a consistently underrated insurer that outperforms its marketing budget in the metrics that matter most. An NAIC complaint index of 0.68 — well below average, meaning fewer complaints than expected — reflects a company that handles claims without generating unnecessary disputes. J.D. Power scores for both auto (876) and home (828) are solidly above average. This is not a flashy insurer, but it is a reliable one.

The On Your Side claims review process is a genuine differentiator. After every claim, Nationwide conducts a review to ensure you received everything you were entitled to under your policy — an unusual and customer-friendly commitment. Farm Bureau partnerships make Nationwide particularly strong for rural customers and those with agricultural property.

Availability is the main limitation — Nationwide is not offered in all states, particularly in the Northeast. If you are in an available state and value a strong claims experience with competitive bundling discounts (up to 20% for home and auto), Nationwide deserves serious consideration. It is not the cheapest option, but the service quality justifies the moderate price position.