Nationwide Property and Casualty Insurance Company Review (2024)

Exploring the comprehensive offerings and distinguishing strengths of Nationwide Property and Casualty Insurance Company, our review unveils a trusted insurer with a rich legacy of nearly a century, focusing on diverse coverage options, financial stability, and customer-centric policies.

UPDATED: Apr 23, 2024Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Apr 23, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Apr 23, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Apr 23, 2024Fact Checked
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Nationwide Property and Casualty Insurance Company

Average Monthly Rate For Good Drivers

$115

A.M. Best Rating:

A+ (Superior)

Complaint Level:

Low

Pros

  • A diverse range of insurance options, including auto, home, and life insurance.
  • Strong financial stability with an A+ (Superior) rating from A.M. Best.
  • Exceptional customer service and efficient claims processing.
  • Competitive pricing and various discounts are available.

Cons

  • Specific rate information may vary, so it’s essential to obtain a personalized quote.
  • Like all insurance companies, individual experiences may vary, so it’s advisable to research and read customer reviews to make an informed decision.

In this comprehensive guide, we explore Nationwide Property and Casualty Insurance Company, a trusted insurance provider with a rich history spanning nearly a century. Nationwide offers a diverse portfolio of insurance solutions, including auto, home, life, and specialty coverage options.

Their commitment to financial stability, exceptional customer service, and competitive pricing, reinforced by an A+ (Superior) rating from A.M. Best, sets them apart in the insurance industry. Whether you’re safeguarding your vehicle, protecting your home, or planning for the future with life insurance, Nationwide provides flexible coverage to meet various needs.

With a focus on safe driving and responsible behavior, Nationwide offers an array of discounts, making it an attractive choice for policyholders. This article provides valuable insights into Nationwide’s offerings, highlighting its pros and cons and emphasizing the importance of personalized coverage to meet individual circumstances and preferences.

Nationwide Insurance Coverage Options

Nationwide Property and Casualty Insurance Company offers a wide range of coverage options to meet the diverse needs of its policyholders. Here’s a bullet list outlining some of the coverage options offered by Nationwide:

Auto Insurance:

  • Liability Coverage: Covers bodily injury and property damage liability for accidents you’re responsible for.
  • Collision Coverage: Pays for damage to your vehicle in the event of a collision with another vehicle or object.
  • Comprehensive Coverage: Protects against non-collision incidents like theft, vandalism, or natural disasters.
  • Uninsured/Underinsured Motorist Coverage: Provides coverage if you’re in an accident with a driver who has insufficient or no insurance.
  • Personal Injury Protection (PIP): Covers medical expenses and more for you and your passengers, regardless of fault.
  • Roadside Assistance: Offers services like towing, fuel delivery, and lockout assistance.

Home Insurance:

  • Dwelling Coverage: Protects the physical structure of your home against covered perils.
  • Personal Property Coverage: Covers your belongings, such as furniture and appliances, in case of theft or damage.
  • Liability Coverage: Offers protection in case someone is injured on your property and sues you.
  • Additional Living Expenses (ALE): Pays for temporary housing and other expenses if your home becomes uninhabitable due to a covered event.
  • Medical Payments to Others: Covers medical expenses if a guest is injured on your property.
  • Flood Insurance (if applicable): Provides coverage for flood-related damage, often offered as a separate policy.

Life Insurance:

  • Term Life Insurance: Provides coverage for a specific term (e.g., 10, 20, or 30 years) at an affordable premium.
  • Whole Life Insurance: Offers lifelong coverage with a cash value component that can grow over time.
  • Universal Life Insurance: Combines a death benefit with flexible premium and investment options.
  • Variable Life Insurance: Allows you to invest your policy’s cash value in various investment options.

Other Offerings:

  • Renters Insurance: Protects renters’ personal belongings and provides liability coverage.
  • Pet Insurance: Covers veterinary expenses for your beloved pets.
  • Specialty Insurance: Tailored coverage for unique needs, such as classic cars, boats, and more.

Please note that the availability of these coverage options may vary by location and individual policy. It’s essential to discuss your specific insurance needs and customize your policy with Nationwide to ensure you have the right level of protection for your unique circumstances.

Read more: Nationwide Life Insurance Company Review

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Nationwide Insurance Rates Breakdown

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Driver ProfileNationwide Property and Casualty Insurance CompanyNational Average
Clean Record$170$110
1+ Ticket$210$140
1+ Accident$260$190
DUI$320$250
Poor Credit$292$189

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Nationwide Discounts Available

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DiscountNationwide Property and Casualty Insurance Company
Anti Theft5%
Good Student8%
Low Mileage6%
Paperless3%
Safe Driver10%
Senior Driver12%

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Nationwide Property and Casualty Insurance Company offers a range of discounts to help policyholders save on their insurance premiums. These discounts are designed to reward safe driving, responsible behavior, and customer loyalty. Here’s an overview of the discounts offered by Nationwide, presented in a bullet list:

  • Multi-Policy Discount: Bundle multiple policies, such as auto and home insurance, with Nationwide to enjoy significant savings on your premiums.
  • Safe Driver Discount: Maintain a clean driving record and demonstrate safe driving habits to qualify for lower insurance rates.
  • Good Student Discount: Students with good grades may be eligible for reduced rates on their auto insurance policies, encouraging academic excellence.
  • Anti-Theft Discount: By installing anti-theft devices in your vehicle, you can lower the risk of theft and potentially reduce your insurance costs.
  • Defensive Driving Course Discount: Completing an approved defensive driving course can lead to discounts on your auto insurance premiums while improving your driving skills.
  • Accident-Free Discount: Enjoy lower premiums if you have a history of accident-free driving, reflecting your safe driving track record.
  • SmartRide® Program: Nationwide’s telematics program, SmartRide®, allows policyholders to potentially receive personalized discounts based on their individual driving behavior. (For more information, read our “Nationwide SmartRide Review“).
  • Paperless Billing Discount: Opt for paperless billing and manage your account online to potentially save on premiums while reducing paper waste.
  • Family Plan Discount: If you have multiple family members insured with Nationwide, you may qualify for additional savings, making it more affordable to protect your loved ones.
  • Good Credit Discount: Maintain a strong credit history to potentially access lower insurance rates, rewarding financial responsibility.
  • Affinity Discounts: Nationwide often partners with various organizations and employers to offer exclusive discounts to their members or employees, creating opportunities for additional savings.
  • Renewal Discounts: Stay loyal to Nationwide as a policyholder to potentially receive renewal discounts, recognizing your commitment to the company.

Please note that the availability and specifics of these discounts may vary by location and policy type. To take advantage of these discounts, it’s best to contact Nationwide directly or visit their website for detailed information and eligibility criteria.

How Nationwide Ranks Among Providers

Nationwide Property and Casualty Insurance Company operates in a competitive insurance market, and it faces competition from several prominent insurers. Here are some of Nationwide’s main competitors in the insurance industry:

  • State Farm: State Farm is one of the largest insurers in the United States and offers a wide range of insurance products, including auto, home, and life insurance. They are known for their extensive network of agents and competitive rates.
  • Allstate: Allstate is another major player in the insurance industry, offering comprehensive coverage options for auto, home, and life insurance. They are recognized for their innovative insurance features and strong brand presence.
  • Geico: Geico is renowned for its auto insurance offerings and catchy advertising campaigns. They emphasize competitive pricing and have a significant market share in the auto insurance sector.
  • Progressive: Progressive is known for its focus on auto insurance and its user-friendly online platform. They offer innovative tools like Snapshot, which tracks driving habits to potentially lower premiums.
  • Liberty Mutual: Liberty Mutual provides a variety of insurance products, including auto, home, and renters insurance. They emphasize customizable coverage options and a commitment to customer service.
  • USAA: While USAA primarily serves military members and their families, it is a notable competitor for insurance companies operating in the United States. They offer a range of insurance and financial services.
  • Farmers Insurance: Farmers Insurance is recognized for its extensive network of agents and a variety of insurance products, including auto, home, and life insurance.
  • Travelers: Travelers specializes in property and casualty insurance and serves a range of customers, from individuals to businesses. They are known for their commercial insurance solutions.
  • American Family Insurance: American Family Insurance offers a variety of insurance options, including auto, home, and life insurance. They often focus on personalized service and community involvement.
  • Erie Insurance: Erie Insurance is known for its competitive rates and strong customer service. They offer a range of personal and commercial insurance products.

Each of these competitors has its unique strengths and strategies in the insurance market, making the industry highly competitive. Nationwide’s ability to differentiate itself through its coverage options, pricing, customer service, and innovative features plays a significant role in its competitiveness in this crowded field.

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Nationwide Property and Casualty Insurance Company Claims Process

Ease of Filing a Claim

Nationwide Property and Casualty Insurance Company makes it convenient for policyholders to file claims by offering multiple channels. You can file a claim online through their website, over the phone by contacting their customer service, or through their mobile app. This flexibility ensures that you can choose the method that suits your preferences and needs.

Average Claim Processing Time

One of the crucial aspects of an insurance company is the speed at which they process claims. Nationwide is known for its efficient claims processing.

On average, they strive to process claims promptly, minimizing the waiting time for policyholders to receive their payouts. This commitment to timely claim processing is an important factor to consider when choosing an insurance provider.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback provides valuable insights into an insurance company’s claim resolution process. Nationwide has a reputation for providing fair and satisfactory claim resolutions, and policyholders often express satisfaction with the payouts they receive.

Positive customer feedback regarding claim experiences can provide peace of mind and confidence in the insurer’s reliability.

Nationwide Property and Casualty Insurance Company Digital and Technological Features

Mobile App Features and Functionality

Nationwide’s mobile app offers a range of features and functionality to enhance the customer experience. With the app, policyholders can easily access their insurance information, view policy documents, file claims, and even make payments. The user-friendly interface and convenience of the app make managing insurance on the go simple and efficient.

Online Account Management Capabilities

Nationwide provides robust online account management capabilities through its website. Policyholders can log in to their accounts to review policy information, update personal details, request policy documents, and track the status of claims. The online portal is a valuable tool for customers looking to manage their insurance policies with ease.

Digital Tools and Resources

Nationwide offers a variety of digital tools and resources to assist policyholders in understanding their insurance coverage better. These resources may include educational articles, calculators, and guides to help customers make informed decisions about their insurance needs. Access to such digital tools can be invaluable when navigating the complexities of insurance.

Frequently Asked Questions

What types of insurance coverage does Nationwide Property and Casualty Insurance Company offer?

Nationwide offers a diverse range of insurance solutions including auto, home, life, and specialty coverage options tailored to meet various needs. Coverage options may vary by location and individual policy.

What discounts are available for policyholders with Nationwide?

Nationwide provides discounts designed to reward safe driving, responsible behavior, and customer loyalty. Specifics and availability of these discounts may differ by location and policy type, encouraging individuals to contact Nationwide directly or visit their website for detailed information and eligibility criteria.

How does Nationwide Property and Casualty Insurance Company handle the claims process?

Nationwide offers multiple channels for policyholders to file claims, including online through their website, over the phone via customer service, or through their mobile app. They prioritize efficient claim processing, aiming for prompt payouts to minimize waiting times.

What digital features and tools does Nationwide offer to its policyholders?

Nationwide provides a mobile app with features for accessing insurance information, filing claims, making payments, and a user-friendly interface. Additionally, their website offers robust online account management capabilities, digital resources, and tools such as educational articles and calculators to assist customers in understanding their insurance coverage better.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for Nationwide

4.02 (3,019 reviews)
1
December 7, 2021

brycelefevre

Long phone wait times

Had to call in a few times now for the same auto claim. The first time was nearly 1.5 hours before anyone picked up. Today I have been waiting over 2 hours for an answer and still nothing. Nationwide should learn to take care of their customers and answer the phones so they can provide the service they are being paid to provide!
5
January 16, 2021

Wareagle256205

Is Nationwide REALLY on your side?

Happy with Nationwide so far. Premiums are not too shabby. The agent and customer service has been more than helpful. This is good after having horrible experience with another provider.
5
January 16, 2021

Danielle202

Best Insurance Company

its best insurance company for me. i like this company. this companies policy suit every person. so anyone like it.
5
January 5, 2021

Purple1992_

Great service and worth the money

I enjoyed their service and think that they really do put their customer first by accommodating them as much possible
4
December 24, 2020

Lawanda

Delighted to have auto insurance and roadside assistance.

It was wintertime and I wasn't thinking clearly. I started my car to let it warm up and locked my keys inside. I had to go to a neighbor's house and call for a lock out. I had to wait at my neighbors until they came, but had to keep an eye on my car at the same time. I was so happy to have insurance to cover this experience. It could have been a lot worse. They were there within 30 minutes or so.
5
December 22, 2020

Anna5N

Nationwide is the best

They have fantastic rates and good quality coverage for the price. The staff are very knowledgeable and always help me with my auto insurance needs.
5
December 15, 2020

Jencorbin

Nationwide really is on your side

I have had nationwide auto insurance since I started driving. I watched nationwide cover my parent's auto and homeowners needs. Nationwide has helped me through a decent amount of claims. I have the perfect coverage for my auto needs at competitive prices. Nationwide representatives are helpful and truly have your best interests at heart. I'm able to bundle my auto insurance with my renter's insurance to get more of a discoun...
I have had nationwide auto insurance since I started driving. I watched nationwide cover my parent's auto and homeowners needs. Nationwide has helped me through a decent amount of claims. I have the perfect coverage for my auto needs at competitive prices. Nationwide representatives are helpful and truly have your best interests at heart. I'm able to bundle my auto insurance with my renter's insurance to get more of a discount. I have no plan switching insurance providers anytime soon because I am so satisfied.
4
November 26, 2020

Adelbert

In Nationwide I Trust

My experience with nationwide is really fascinating. They vaule their customers very much. They care about their customers. Their service is up to the mark. I am really happy to be with them.
2
October 21, 2020

RD2371

Misleading adice

I was quoted 1 price but every time interest rate went up so did my payment and I got to where I come afford payment
5
October 21, 2020

JealousGull

Staying with another 10+ years

I’ve had Nationwide for years because of their loyalty to their customers. My agent goes above and beyond while making sure to help anyway possible should the need arise. I’ve had to have my vehicle towed quite a few times and always dread trying to find a towing company due to a past experience of a towing company trying to be sent from an entirely different city over a hour away, I immediately called my agent who straightened everything out...
I’ve had Nationwide for years because of their loyalty to their customers. My agent goes above and beyond while making sure to help anyway possible should the need arise. I’ve had to have my vehicle towed quite a few times and always dread trying to find a towing company due to a past experience of a towing company trying to be sent from an entirely different city over a hour away, I immediately called my agent who straightened everything out and had a tow truck on the way arriving in 15 minutes. I also like my yearly calendar!
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<h3>Nationwide Property and Casualty Insurance Company	Monthly Auto Insurance Rates</h3>
<h3>Nationwide Property and Casualty Insurance Company	Monthly Auto Insurance Rates</h3>