What Discounts Does Nationwide Insurance Offer?

You can get the Nationwide safe driver discount by staying accident-free and violation-free for five years. Nationwide does not specify an exact safe driver discount amount, as it varies between states.

If you don't qualify for the Nationwide safe driver discount, there are still ways for you to save on your premium. For example, Nationwide offers a multi-car discount  for drivers who insure more than one vehicle in their household.

To learn more, check out WalletHub's guide to Nationwide discounts.

Nationwide is so expensive because of agent commissions and rising costs overall for insurance companies. At $890 per year per year, the average Nationwide car insurance policy is  more expensive than the national average of $671 per yearfor a policy with minimum coverage.

Nationwide insurance is even more expensive for drivers with certain characteristics, including young drivers and drivers who have recently caused an accident. For example, teenagers pay an average of $4,372 per year for Nationwide insurance, compared to $890 per year for older drivers. Additionally, drivers who have recently had an at-fault accident pay an average of $1,385 per year for Nationwide coverage, which is 56% more than drivers with a clean record.

Factors That Can Make Nationwide Insurance More Expensive

• Commissions for agents
• Rising costs overall for insurance companies
• Being a young or inexperienced driver
• Purchasing a full coverage policy versus minimum coverage
• Causing an accident or being convicted of a moving violation
• Living in a high-risk ZIP code
• Driving an expensive vehicle
• Having a poor credit-based insurance score

If you're struggling to afford your Nationwide policy, there are ways for you to lower your rate. For example, you can take advantage of Nationwide discounts or reduce your coverage. In some cases, it might be better to switch insurers altogether. It's usually a good idea to compare quotes from at least three different insurers to see if you can find a better deal elsewhere. Each insurer uses its own algorithm to calculate premiums, so even if Nationwide is charging you a high premium, you may be able to find a cheaper policy with another insurer.

To learn more, check out WalletHub's Nationwide insurance review.

Nationwide does not advertise a marriage discount, though married drivers do pay less for Nationwide car insurance than single drivers, on average. For example, a 45-year-old married driver with a good record on the road pays an average of 4% less for Nationwide coverage than the same driver without a husband or wife. Married people also typically qualify for more Nationwide discounts, like the multi-vehicle and multi-policy discounts.

Married couples tend to be more careful on the road and get into fewer accidents, which translates into lower Nationwide rates. But there are some exceptions, and sometimes a shared policy can be more expensive. If your spouse has a poor driving record or is considered a high-risk driver for another reason, you could pay more for your Nationwide policy.

To get a Nationwide quote, you can go online or call 1-877-669-6877.

Nationwide does not offer a pay-in-full discount. Some insurers, such as Progressive and Allstate, allow customers to pay less for coverage if they pay the entire cost of their policy in-full up front. But unfortunately, Nationwide does not.

Even though Nationwide doesn't let you save by paying your entire premium up front, you can still take advantage of other discounts. For example, Nationwide has a easy pay discount for drivers who set up automatic payments from a checking account, credit card, or debit card.

To learn more, check out WalletHub's guide to Nationwide discounts.

Nationwide is cheap for safe drivers and even offers discounts specifically for those types of drivers, like discounts for being accident-free for at least 5 years. Nationwide is not one of the cheapest car insurance companies overall, though, and young drivers may find cheaper rates elsewhere.  

Average Rates for Nationwide Car Insurance vs. Top Competitors 

Note: Premiums are representative of a safe drivers in CA; individual premiums will vary.

Nationwide may not be one of the cheapest car insurance companies for most drivers, but it does offer a variety of discounts, like discounts for going paperless or for having low yearly mileage. Plus, Nationwide rewards customer loyalty with discounts for insuring more than one car and bundling multiple policies, such as home and auto. 

Your final premium is based on a variety of factors, though, such as your driving record, insurance history, and more. Every insurance company determines their rates differently, so the best way to find a good deal is to compare quotes from multiple insurers and take advantage of every discount.

To learn more, check out WalletHub's review of Nationwide and see Nationwide's full profile.

No, Nationwide does not offer a new car discount, unlike three of the 10 largest car insurance companies. But policyholders can still find other ways to lower their Nationwide premium, such as by taking advantage of their anti-theft discount, defensive driving discount, or safe driver discount.

For more information about saving on your insurance, check out WalletHub's complete guide to Nationwide discounts.

Nationwide offers a defensive driving discount for drivers age 55 and older who complete an approved defensive driving course. But like all major car insurance companies, Nationwide does not have a senior discount that automatically lowers rates for all older drivers.

In addition to the defensive driving discount, senior drivers can take advantage of other discounts in order to lower their premium. For example, Nationwide offers a safe driver discount, which gives a discount to drivers who avoid accidents and moving violations for at least five years.

To learn more, check out WalletHub's guide to Nationwide discounts.

No, Nationwide does not have a teacher discount. Although Nationwide does not offer special discounts for educators, teachers can still save with some of the Nationwide's other discounts, including a multi-policy discount, a defensive driving discount, and an accident free discount.

That said, car insurance companies like Nationwide often take a driver's occupation into account when calculating rates (in states where it is allowed). As a result, teachers might save simply because they are in a low-risk occupation for car insurance.

Insurance companies do not disclose their exact formulas for calculating rates, however. So comparing quotes between at least three companies is still the best way to find inexpensive coverage for teachers.