Auto insurance coverages and discounts

Collision, comprehensive, liability, medical payments and more.

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

Making auto insurance more affordable

Get an auto quote today and enjoy the ease of working with us.

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 by clicking Start your quote above or by calling 1-877-669-6877. Stay protected and stay legal.

Learn about your state’s auto insurance requirements.

Ways to save on auto insurance


Save up to 20% when you bundle home and auto.

Bundle Your Insurance Policies and Save With a Multi-Policy Discount

Learn how to get a lower rate with home, renters, condo, auto, and other insurance discounts. Nationwide’s multiple-policy discounts can apply to combinations of home insurance, auto insurance, life insurance, motorcycle insurance, boat insurance or other Nationwide policies to help you save.By protecting all of your property with one company, you can save – and help simplify your life. Monthly bills can go to the same place, and you’ll never have to wonder which company to call when filing a claim.

Combine policies and save with multiple-policy discounts

Get a quote online, contact your local Nationwide agent or call us at 1-877-On Your Side® (1-877-669-6877) to take advantage of the following multi-policy discounts:

Home and auto insurance discount

Save money when you combine your Nationwide homeowners insurance (or renters insurance) with your car insurance.

Auto, home and life insurance discount

Save on your insurance bill when you combine your auto, home and life insurance.

Multi-car insurance discount

Insure more than one vehicle with Nationwide and save on auto insurance.

Boat package insurance discount

Save on car insurance by also purchasing a Nationwide boat policy.

If you’re already a Nationwide member, be sure to schedule your annual On Your Side review. A Nationwide professional will help determine your discount eligibility and ensure that you’re taking advantage of all available discounts.


Safe drivers save up to 40%.

Nationwide’s SmartRide® Program Rewards Safe Driving

Driving safely is no easy feat. If you’re a driver committed to staying alert, avoiding distractions, and following the rules of the road, we’re going to reward you for it.SmartRide, a usage-based insurance program, gives you personalized feedback to help you make even safer driving decisions. You’ll earn an instant 5% discount when you sign up. The safer you drive, the higher the discounts you could get – up to 40%.

How SmartRide works

See how joining Smartride can help you save.

smartride plug and drive icon

Plug In and Drive

We’ll send you a small device for your car within 10 days of signing up. Drive as you normally do.

smartride track progress icon

Track Progress

Then go online to track your discount and get personalized feedback about your driving trends.

smartridel lock icon

Lock In Your Discount

At the end of the program, simply send back your device and lock in your final discount. We’ll apply the discount* at your next policy renewal.

Accident free

Get a discount by maintaining an accident-free driving record.

Keep your rates down after an accident with Accident Forgiveness

Accidents can happen to anyone, even the safest drivers on the road. When you cause an accident, your auto insurance rates can rise significantly. Nationwide believes that drivers like you deserve a break.That’s why we offer Accident Forgiveness.

What is accident forgiveness?

Accident Forgiveness, available in select states, is an auto insurance option that helps you avoid a rate increase following the first at-fault accident on your policy. As an added bonus, Nationwide extends Accident Forgiveness to other drivers on your policy – including teen drivers. But it can only be used for one forgiven accident per policy.

Save money in the long term

Accident Forgiveness insurance coverage is an option you buy, but the price of it can more than offset the rate increase that would kick in after an accident. Your insurance rate is based on a number of factors, like age and location, and an additional rate increase could make good coverage harder to fit into your budget. Accident Forgiveness can help you control these costs.

Nationwide rewards auto insurance policyholders in other ways, as well. If you have at least five years’ driving experience without an at-fault accident, you could save up to 10%. And if you insure more than one car with Nationwide you could save up to 20%. These and other car insurance discounts can add up to significant savings.

Good student

Drivers age 16 to 24 who maintain a B average or better are eligible for a discount.

Save on auto insurance with a good student discount

When your teenager begins to drive, your level of stress goes up – and so does the cost of your policy due to teen car insurance rates. That’s because teens are calculated to be a higher risk the first few years they’re driving. A good student discount can reduce the expense of insuring your teen driver, making it more affordable. Here’s what you should know about car insurance and good student discounts.

What a student needs to get a good student discount

Nationwide offers a student discount on car insurance for drivers 16 to 24. They must be full-time high school or college students and maintain a minimum B average to qualify for the car insurance student discount.

How to show that your student is a good student

When you purchase your car insurance, you’ll need to furnish proof of academic achievement, such as a current grade card or a form signed by a school administrator. If the student is homeschooled, the results from a standardized test, such as the PSAT, SAT or ACT, may be used. The homeschooled student needs to be in the top 20% of that test’s national performance.

Defensive driving

Complete a state-approved safety course and get a discount. (You may have to be 55 or over to be eligible.)

Get a defensive driver discount and start saving

Accidents can happen to anyone. If you take a defensive driver class, you may lower the chances of having an accident – and pay less for car insurance. Nationwide offers defensive driver discounts in select states to customers over 55 who complete such a class.

Find a defensive driver class

Many states offer accident prevention or defensive driving classes. These courses are usually certified by a state’s Department of Public Safety or Motor Vehicles, and are available online or at local driver’s education schools.

What to expect at a defensive driver class

The classes typically include a review of traffic laws, environmental hazards, defensive driving techniques, basic car maintenance, and drug and alcohol education. Drivers must successfully complete the state-certified course with a passing grade to earn the defensive driver discount.

In other states, the discount is available to drivers of specific ages who have successfully passed an accident prevention or defensive driving course. The amount of the defensive driving insurance discount varies, but usually runs around 5% off your auto insurance premium.

More ways to save

Nationwide wants to reward you for being a good driver. In addition to a defensive driving discount, you could save up to 10%  additionally with an accident free discount if you have at least 5 years of driving experience and have been free from at-fault accidents and major violations for the last 5 years. Nationwide offers a variety of other auto insurance discounts too, so you can find the auto insurance you need at a price that’s right for you.


Discount applies if your vehicle is equipped with certain anti-theft devices. Proof of installed device may be required.

Earn an anti-theft device car insurance discount

Here’s a heads-up for car owners: According to the FBI, a car is stolen in the U.S. every 42 seconds. Roughly 750,000 vehicles, worth an estimated $4.5 billion, were reported stolen in 2010. Whether your stolen car is recovered or not, dealing with the theft is a frustrating, time-consuming experience.It’s worth taking a few steps to protect your car from theft. You may even be able to  get a discount on your car insurance in some states for having an anti-theft device in your vehicle.

How our anti-theft discount works

In some states, Nationwide offers anti-theft device discounts for factory-installed deterrents, and in some states, you can get a discount for devices that are installed after you purchase your car. Savings vary based on the type of device installed and the state where you garage your vehicle.

Safe Driver

A safe driving discount from Nationwide could help you save money on your car insurance.

Save money with a safe driver discount

One of the best ways to lower the cost of car insurance is simply to drive safely. Sounds obvious, but safe driving takes some work. Reducing distractions, driving smoothly in various conditions and taking care of your car all contribute to a clean driving record.It’s worth the effort. Nationwide rewards customers who are free of at-fault accidents and free of major violations for at least 5 years. If you’re in this category, you could earn our accident-free discount of up to 10%,  depending on the state in which you live.

Drive smart to keep your safe driver discount

Of course it’s also important to maintain a clean driving record, and avoid tickets for speeding, reckless driving and other violations. Those citations could raise your rates and wipe out any savings you might obtain from any good driving discount.

You may be eligible for other car insurances discounts through Nationwide in addition to our good driver discount. Learn more about Nationwide’s SmartRide program, which is another way we reward safe driving habits.

Easy Pay sign-up

Set up automatic deductions from your bank account and get a one-time discount.

Affinity member

Get a discount just for being a member of a qualifying organization. We partner with hundreds of organizations, including alumni associations, professional groups, sports groups and special interest groups.

Nationwide’s Member Experience Network

Like us, you’re focused on your members. Attracting new members. Retaining existing members. Adding membership value.That’s why we created the Member Experience Network, a program that shares the collective wisdom, expertise and best practices of Nationwide and other member-based organizations.

Member-based organizations understand better than anyone how passions unite us.

With so many ways for people to connect today, you have more opportunities than ever to engage your members. But such a crowded landscape can also make it difficult to capture their attention. We want to help you with that.

With Nationwide, you get more than a trusted partner.

As a member-driven organization, Nationwide understands the importance of building connections with your members and creating valuable experiences at every interaction. That’s why we provide our Nationwide affinity partners access to The Network. It’s the resource you can use to uncover the insights, information and inspiration needed to build a stronger organization. And with that comes more fulfilling, longer-lasting relationships with your members.

Discover insights that drive membership.

Access the collective wisdom, expertise and best practices of Nationwide and other member-based organizations to help you better connect with your members. Only with Nationwide will you have tools, resources and professional networks at your fingertips. You’ll stay ahead of trends and consumer preferences. And you’ll have the support you need to take action and drive your member engagement.

Build connections that bring more to your organization.

Success is about creating great member experiences. And that starts with an insightful strategic plan. Through The Network, we can provide you with strategies and connect you with the experts and resources you need to execute them – including experts from right here at Nationwide. We know that talking with your peers sometimes generates valuable and even unexpected ideas for building your membership. That’s one of the reasons we regularly organize get-togethers to help foster those moments.

Access The Network

The Nationwide Member Experience Network exposes you to the best methods of building and maintaining your members’ experience. We’ll provide you with success stories from organizations just like yours, and guidance on how you can repeat the same results. To get started, contact your Relationship Manager or email us.

Not yet a Nationwide affinity partner? Learn more about Nationwide’s affinity program.

Click to rate this post!
[Total: 0 Average: 0]