Nationwide Insurance Review 2025: Good Coverage, But Know the Trade-offs

[Tunde]

Nationwide is one of the large, well-known insurers in the U.S., offering auto, home, life, and specialty policies. In 2025, many customers praise their bundling, digital tools, and financial strength, but there are also recurring complaints about customer service, price increases, and policy changes. Here’s what I found after digging through recent reviews, ratings, and real stories.

Company Snapshot & Ratings

• Nationwide is headquartered in Columbus, Ohio and has been in business since 1925.
• They are ranked among the top national auto insurers for 2025, with strong scores for low premiums and online tools.
• Customers on review platforms give Nationwide mixed ratings, with many happy about claims experience but others unhappy with billing or communication.
• Financial strength is solid: AM Best gives them an A rating, and their asset portfolio is large with good stability.

Have you checked ratings for insurers in your state? Did they match your experience?

What Customers Like About Nationwide

• Many appreciate the ease of bundling auto + home, which often provides noticeable discounts.
• The digital tools — online quote systems, mobile apps, and policy management — get positive comments.
• Nationwide is praised for loyalty: many customers say they intend to renew because of perceived value.
• Claims satisfaction is often rated well by people who had straightforward claims.

Common Complaints & Real Stories

• A policyholder reported their auto premium increased even with no accidents or changes.
• A homeowner said their claim took longer than expected, with poor adjuster communication.
• Another customer faced billing errors and found it difficult to reach someone to fix the issue.

Read all customer real stories here.

If you had a frustrating experience with billing or quotes, how did you try to resolve it — agent, phone, app, or something else?

Strengths & What They Do Well

• Wide product options — auto, home, life, and specialty like farm and pet insurance.
• Financial stability and long history build trust.
• Their tools for quotes and digital management are among the better ones.
• Bundling and loyalty discounts are highly valued.

Trade-offs & What to Watch Out For

• Premiums have increased in some states, especially high-risk areas.
• Customer service issues: delays, slow response, hard to reach live agents.
• Policy changes can vary by state.
• Billing and cancellation problems mentioned by multiple reviewers.

Are you in a ZIP code where your premiums seem to go up even without changes in driving record or coverage?

Recent Changes & Important Signals for 2025

• Nationwide is expanding its business through acquisitions, showing long-term stability.
• Financial reports show healthy income, ensuring claims can be paid.
• Regulators in some states are reviewing rate increases and non-renewal practices.
• Underwriting is stricter in certain locations, which could affect quotes.

Would you prefer stricter underwriting if it meant more predictable premiums, or accept variable risk for lower starting rates?

Who Nationwide Might Be Best For in 2025

• People who want flexibility with policy choices.
• Customers who are comfortable managing policies online.
• Those who value loyalty programs and bundles.
• Residents in moderate-risk states without major disaster exposure.

Does your ZIP code or state’s disaster risk influence which insurer you choose?

Conclusion

Nationwide delivers a good mix of coverage, financial strength, and digital tools in 2025. It stands out in bundling, product range, and customer loyalty. But it’s not perfect — watch for premium hikes, policy changes, and service issues depending on where you live.

Join the discussion: If you’ve used Nationwide this year, did you feel their service matched what you paid? Which mattered more to you, cost or coverage?

Rating – ★★★☆☆ (3/5)

[Peaktrader]

Nationwide handled my fender bender last winter very well. But I have to say that it wasn't the fastest, but they did cover it. I had to call a bunch though to push things along. But they eventually came through

My Rating: ☆ 4/5

[Tunde]

I had Nationwide for a couple years. I switched because they weren't as cheap anymore as they used to be. They’re reliable but man, price hikes are what kill it.

My rating: ☆☆ 3/5