Despite the popularity of the term, there is no policy called “full coverage auto insurance.” When lenders use this term, they typically are referring to building a dependable auto insurance package that provides coverage for a variety of different circumstances.

Nationwide car insurance can cover you for accidents involving other vehicles, vandalism, weather, animals, bodily injuries and more. Our policies are customizable – you can choose the auto insurance policies that suit your lifestyle. You can have peace of mind knowing Nationwide will provide you and your car with great protection on and off the road.

Personal auto coverages

These coverages help protect you, your passengers, or other people on the road in the event of an accident.

Bodily injury liability

If you cause an accident and someone is injured, this coverage can help pay their medical bills and loss of income.

Property damage liability

If you cause an accident, this coverage helps pay for damages to another person’s vehicle or property.

Personal injury protection

Learn about PIP coverage and how it may keep you covered in the event of an accident.

Uninsured motorist

Helps protect you and your vehicle from uninsured drivers and hit-and-run accidents.

Underinsured motorist

Helps protect you from drivers who do not have enough insurance to cover the costs of an accident.

Medical payments

Also known as med pay, helps pay medical costs for you and your passengers in the event of a covered auto accident.

Vehicle coverages

These coverages help you with repairing any damage done to your vehicle or another driver’s, as well as providing additional resources if you can no longer use your own car.

Collision

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.

Comprehensive

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.

Towing and labor coverage

This coverage can help when your car is stuck, broken down or inoperable due to an accident.

Rental car expense

This coverage provides access to a rental car or other transportation while your car is in the repair shop after a covered accident. Also known as loss of use or transportation expenses.

Gap coverage

If your car is a total loss after an accident, this coverage may pay the difference between the actual cash value and what you owe on the lease or loan.

Special auto coverages1

You may find these optional features beneficial to add onto your car insurance policy:

Accident Forgiveness®

Avoid a rate increase because of the first at-fault accident or minor violation on your policy.

Roadside Assistance

Get 24/7 emergency help if you need fuel, a tire change, a jump-start or a tow.

Vanishing Deductible®

Earn $100 off your deductible for each year of safe driving, up to $500. Your deductible could vanish completely.

Total loss deductible waiver

Have the physical damage deductible (comprehensive or collision) waived in the event of a total loss.

How Vanishing Deductible works

Let’s say you have a $500 deductible. After three years of safe driving with Vanishing Deductible, you’ll earn a $300 credit. If you have an accident, you’d pay just $200 toward your deductible before your insurance starts to cover any damages.2

And if you’re involved in an accident, your deductible is reset back to $100 off.

Car insurance discounts

Make the most of the discounts and benefits available to you by scheduling a free assessment, called an On Your Side Review. Learn more about our On Your Side Review or schedule a review with Nationwide by calling your local agent or 1-877-669-6877.

Roadside Assistance

Get the help you need in an emergency.

Learn more about Roadside Assistance

On Your Side® Review


Make sure your insurance keeps up with your life and you get all the discounts you deserve.

More about On Your Side® Reviews
[1] Optional features. Terms and availability vary by state.

[2] Annual credits subject to eligibility requirements. Maximum credit: $500. Terms and availability vary by state.

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.