Nationwide Insurance Review 2026Drivers and homeowners who want to bundle several insurance lines with one established, agent-based insurer.
Nationwide is a large mutual insurance and financial services company headquartered in Columbus, Ohio. It offers a broad range of personal and commercial insurance lines, including auto, home, life, and pet coverage, and distributes primarily through a network of exclusive and independent agents. As a mutual company, it is owned by its policyholders rather than public shareholders.
Nationwide at a Glance
Founded
1926
Headquarters
Columbus, OH
AM Best (financial strength)
A+
J.D. Power (satisfaction, approx.)
808
NAIC complaints vs. expected
Fewer than expected
Coverage & Products
- ✓Auto insurance
- ✓Homeowners insurance
- ✓Renters insurance
- ✓Life insurance
- ✓Pet insurance
- ✓Business and commercial insurance
- ✓Farm and ranch insurance
- ✓Powersports (motorcycle, boat, RV)
Discounts
Pros
- +Broad product lineup makes it possible to bundle many personal and commercial lines with one insurer
- +Usage-based options like SmartRide and SmartMiles may reward low-mileage or safe drivers
- +Offers a Vanishing Deductible feature that can reduce the deductible for claim-free years
- +Established agent network provides in-person guidance for shoppers who prefer it
Cons
- −Premiums can run higher than some competitors depending on state and driver profile
- −Discount and program availability varies significantly by state
- −Agent-based model may feel less streamlined than direct-to-consumer online insurers
- −Some product lines are not available in every state
Nationwide — Frequently Asked Questions
Is Nationwide a financially strong insurance company?
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Nationwide carries an A.M. Best financial-strength rating of A+. A.M. Best ratings measure an insurer's ability to meet its ongoing policyholder obligations; ratings of A- and above are considered "excellent" or "superior." This reflects claims-paying ability, not price or customer service.
How is Nationwide's complaint record?
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In NerdWallet's analysis of 2022-2024 NAIC complaint data, Nationwide drew fewer complaints than expected for a company of its size. That is a qualitative band, not an exact index: the NAIC tracks complaints per legal entity, line of business, and year, so results vary by subsidiary and state. Look up the specific company on the NAIC Consumer Insurance Search (content.naic.org) before you buy.
How do I get a quote or contact Nationwide?
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You can request a quote or reach Nationwide at nationwide.com or by phone at 1-877-669-6877. Rates depend heavily on your individual profile (location, age, history, coverage), so compare at least three quotes before deciding.
Compare Auto & Home Insurance
Michael Torres
Editorial Lead, Catastrophe & Commercial Property
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed June 2026
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