Car insurance

Get a car insurance quote today and enjoy the ease of working with us.

Auto insurance from Nationwide gives you peace of mind. When you choose an On Your Side Auto Repair Network® facility, you can get a written guarantee on your car repairs.1 With our On Your Side Claims® Service, you also get personal service like the On Your Side® Review, an annual check-in with your insurance professional to review your coverage. And with multi-policy and other discounts, such as the SmartRide® and SmartMiles® usage-based programs, you get peace of mind and value.

Auto insurance coverages and discounts


Collision, comprehensive, liability, medical payments and more.

Standard & optional coverages

Avoid the impact of a rate increase after an accident.2

Get Accident Forgiveness

Making auto insurance more affordable

See how you can save

Looking for more ways to save?
Check out our usage-based auto insurance programs

Understand your state’s car insurance requirements.

Auto insurance isn’t only great protection for your vehicle, it’s also the law. All states require some degree of insurance for your vehicle to protect you and other motorists. Coverage requirements will vary based on your financial responsibility for your car and your state’s requirements. Some states even require you to have liability insurance before you even get a license.

Get a quote today or call 1-877-669-6877. Stay protected and stay legal.

Learn about your state’s auto insurance requirements.

Take control of your policies from any device

View and print ID cards & policy documents, request changes to your coverages, make payments or start or check on a claim. Do it all from your desktop, tablet or smartphone.

Learn about our online services

Save money by bundling auto with other policies.

Simplify your life and save money. When you bundle your auto insurance with other policies, such as homeowners, renters or life insurance, you may be eligible for a multi-policy discount of up to 20%.

How to compare car insurance quotes

When comparing quotes, it’s important to make sure you’re getting the same value. Often a policy that has a lower premium may have a higher deductible or less coverage. To get a true one-to-one comparison, review the details of each auto policy carefully to understand what it does—and does not—include. Once you have two policies with the same or very similar coverages, you’ll have an accurate cost comparison.

Common auto coverages

Nationwide offers extensive coverage options that may be available to give you peace of mind when you’re on the road. Customize your policy to get the coverage that fits your life.


Also known as “other than collision,” this coverage can help pay for damage to your vehicle from vandalism, theft, weather events and accidents involving animals.


Regardless of who’s at fault, collision can pay for damage to your vehicle if you hit another vehicle or object, another vehicle hits you, or your vehicle rolls over.

Gap coverage

Gap insurance may help you cover the “gap” between what you owe on your car and your car’s actual cash value.

Uninsured motorist

If an uninsured or underinsured driver causes an accident that results in property damage and/or bodily injury, uninsured motorist coverage may help pay for damage and medical costs for you and your passenger(s).

Bodily injury liability

If you cause an automobile accident that results in injuries, bodily injury protects you by paying for damages you may become legally liable for as a result of the accident, including medical bills and loss of income for the injured party.

Roadside Assistance

Roadside Assistance coverage may even be available when you and your family household members are passengers in someone else's vehicle, or during a roadside emergency in which your vehicle is disabled.

Frequently asked questions

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Nationwide provides a variety of ways to get affordable car insurance through bundling, usage-based insurance, a safe driving record, and other discounts.

  • Nationwide can help you save an average of $646 when you bundle your home and auto policies. Bundle your insurance policies by placing your home, auto and other policies, such as motorcycle or umbrella, with one carrier.
  • Explore usage-based insurance options. Nationwide offers two ways to save based on how you drive. SmartRide offers a discount based on how safely you drive, and SmartMiles provides a rate based on how much you drive.
  • If you have an accident free or safe driving record, you may be eligible for reduced rates.
  • Sign up for account management tools like automatic payment withdrawals or paperless policy.
  • Ask! Reach out to your insurance representative annually to learn about the discounts available.

You save an average of $646 when you bundle your home and auto policies. Bundling policies is one of the best ways to lower your costs and help you save time managing your insurance. Whether you own a home or rent, have multiple cars or own a boat, Nationwide has options that will provide savings on the coverages you need.

Car insurance prices can vary based a number of factors, including where you live, your driving record and the type of car you own. Nationwide can help you understand what factors are included in our pricing, as well as what discounts are available to help you save money.

All states have their own requirements. But for most states, coverage for bodily injury and property damage liability is mandatory. Other types of protection include personal injury protection, underinsured/uninsured motorist coverage, collision and comprehensive. Research the minimum requirements for your state and what coverages best fit your needs.

Gathering all of the information needed for your quote will get the quote to you faster and help you save money.

  • Information about you, including name, address, social security number, marital status and drivers license number.
  • Information about your cars: Make and model year of your car, the VIN number (check your registration for this information) as well as any safety features and weekly mileage.
  • A list of everyone who will drive the car, their ages and any driver safety courses they have completed. Many insurance companies also want to know who in your household is of legal driving age, what their license status is (such as, whether they have a learner’s permit or a suspended license) and whether other drivers in your household have their own insurance. Depending on the state, this can help the insurance agent determine who should be listed and considered for your quote.

Nationwide makes it easy to file an auto claim through your account.

Classic car owner? 
We have protection designed just for you. Check it out. And get a quote.

Superior claims service

In times of need, we stand by you.

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Start an auto claim

Claims FAQ

Auto insurance terminology

Choosing auto insurance options can feel complicated. We’re here to help you understand the ins and outs, so you can be confident you have the right protection.


This is the portion of a claim that you pay. A higher deductible amount will lower your insurance premiums but increase your costs if there’s an accident.

This is the cost of your policy. It may be paid annually, semi-annually (two payments per year) or monthly.

Liability is the legal obligation or responsibility for any injury or damage suffered by another person.

Limit of liability
This is the maximum amount of coverage under an insurance policy.

For more definitions, visit our auto insurance glossary.

[1] Work performed at an On Your Side® Auto Repair Center includes a guarantee on the workmanship of the appraised and completed repairs for as long as you own or lease your vehicle. Also, replacement of any defective alternative parts identified on an appraisal and used in a covered repair are guaranteed for as long as you own or lease your repaired vehicle.

[2] Not available in all states.

[3] SmartRide: Availability varies; program criteria differ in California. Stated discounts are approximations. Discounts do not apply to all coverage elements; actual savings vary by state, coverage selections, rating factors and policy changes. The enrollment discount applies during data collection; the final discount is calculated according to driving behavior and could be zero. The final discount applies at the next policy renewal and is subject to change based on actuarial support at subsequent renewals or with changes in drivers or vehicles on the policy.

[4] SmartMiles: Availability varies. SmartMiles includes a base premium plus a variable premium based on the coverages in force and the days and miles driven.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.