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Find answers to your Nationwide insurance policy questions

Insurance FAQ

Learn about Nationwide auto and property insurance policy documents, rates, billing and more.

How do I view my proof of insurance?

Please contact your agent, call 1-888-891-0271, access it from our mobile app or log in to Online Account Access. Proof of insurance may not be available online in every state. 

How do I verify my online payment?

  1. Log in to your account.
  2. Go to the Bills & Payments.
  3. View Billing History.

How do I view my auto insurance ID card?

  1. Log in to your account.
  2. Click ID Cards & Documents.
  3. Click View/Print ID Card under Auto Policy Details.

*ID cards are available for the past 15 months. Due to state requirements, we aren’t able to provide ID cards for members in some states, such as Delaware and New York.

How do I view my policy documents?

  1. Log in to your account.
  2. Click ID Cards & Documents.
  3. Click the document you want to view.

*Policy declarations are available for the past 15 months.

How do I pay my bill online for my auto, property, umbrella or term life insurance?

  1. Log in to your account.
  2. Click Make a Payment (if available).

*Billing statements for billing accounts and policies on a billing account can be viewed for the past 90 days. Billing statements for policies not on a billing account can be viewed for the past 13 months.

What credit cards can I use to pay my bill?

American Express, Discover, Master Card and Visa.

Can I use my savings or checking account to pay my bill online?

Yes, you can make a one-time payment or sign up for Automatic Payments using your savings or checking account.

  1. Log in to your account.
  2. Click Make a Payment.
  3. Select either checking or saving account as your payment method, then follow payment instructions. 

What factors does Nationwide consider when determining my car insurance price?

Some of the factors that influence your premium include:

Learn more about factors that influence the price of car insurance.

What factors does Nationwide consider when determining my property insurance price?

Some of the factors that influence your premium include:

Learn more about factors that influence the price of homeowners insurance.

How can my credit score benefit me?

As with most insurers, we use a credit-based insurance score to predict insurance losses. Studies show that considering credit creates a more accurate insurance rate. By predicting potential losses better, we can provide a more appropriate rate. 

Our experience has been that about half of our existing members receive a rate decrease based on their credit score.

Learn more about credit scores

How does Nationwide determine this credit-based insurance score?

We use many factors to determine your score. Some of the more common factors are:

When determining your score, gender, marital status, age, ethnicity, address and income are not considered.

What is an extraordinary life circumstance?

We have an extraordinary life circumstance process that applies to all states. You may qualify for reconsideration of your premium if your credit information has been directly influenced by one of the following events:

For more information, talk to your agent or call 1-888-891-0271. We may ask you to provide documentation of the event and an explanation of how that event affected your credit.