Nationwide Insurance Quotes

First-hand experience: When I shopped for a Nationwide insurance quote online for my crossover last month, bundling auto and home sliced 11 percent off two separate policies. That real-time price drop is exactly why millions compare coverage each year—Nationwide’s digital tool lets you test deductibles, add accident-forgiveness, and lock in savings without speaking to an agent.

Below you’ll find one clear path to the best rate: start with a free quote, understand the levers that raise or lower your premium, and stack every discount Nationwide quote allows. Follow the steps and you’ll know in minutes whether staying put or switching carriers will protect your wallet in 2025.

Get Your Nationwide Insurance Quote

Enter your ZIP code, choose auto or home, and see every discount that applies—safe-driver rewards, multi-policy credits, even pay-in-full perks. The form never asks for Social Security numbers, so there’s no impact on your credit score.

Nationwide Auto Insurance

Compare liability, full-coverage, and usage-based SmartRide plans side by side.

Nationwide Home Insurance

Bundle with auto to unlock additional savings on dwelling and liability coverage.

Factors That Shape Your Premium

Need a live demo? Our step-by-step Nationwide quote guide shows exactly where to enter mileage, vehicle safety features, and roof age so you can see how each detail pushes the price up or down before you buy.

Driving & Demographic Influences

Nationwide’s rating model weighs age, driving history, and even education level. Safe-driver records trigger vanishing deductibles, while recent at-fault accidents or a low credit tier can lift base rates by 20 percent or more. Enrolling in SmartRide telematics offsets those increases if you log smooth acceleration and limited late-night trips during the first policy term.

Geography also matters. Urban ZIP codes carry a higher theft and collision frequency, yet homeowners in the same ZIP often qualify for claims-free and protective-device credits—another reason bundling can reverse urban surcharges.

Vehicle & Property Variables

Your car’s safety tech, cost of OEM parts, and theft rate sway auto premiums. A 2022 compact SUV with automatic emergency braking can be 8–10 percent cheaper than a 2015 sedan lacking those features. For homes, rebuild cost, roof age, and distance to the nearest fire hydrant dominate pricing. In hurricane-exposed counties, impact-resistant roofing and wind mitigation reports often trim wind/hail surcharges by hundreds a year.

Update these details during every renewal. A simple roof replacement or installing a monitored alarm system frequently moves you into a lower risk tier for the next term.

How to Bundle Auto & Home and Save

Three-Step Bundling Process

Step 1 – Run side-by-side quotes: Use the forms above to pull auto and home rates separately. Nationwide stores both quotes for 30 days.

Step 2 – Activate the bundle in-portal: Inside your quote dashboard, click “Add another product,” verify property or vehicle details, and the system recalculates instantly—multiplied discounts appear before checkout.

Step 3 – Lock and pay: Choose paperless billing for an extra 5 percent cut, sign electronically, and download proof-of-insurance cards in seconds. For a visual walkthrough, revisit the Nationwide quotes discounts.

Personalized Coverage, Trusted Support

Nationwide’s financial strength—rated A+ by AM Best—means every claim is backed by robust reserves. 24/7 digital service lets you file, track, and settle claims entirely within the mobile app, while optional add-ons such as accident forgiveness and identity-theft restoration adapt coverage as life evolves.

Paperless statements, pay-in-full options, and the SmartRide program stack neatly with the multi-policy discount, trimming costs year after year—especially for households adding a teen driver or renovating a kitchen that raises dwelling value.

Compare and Confirm Value

Rates swing sharply by carrier and ZIP. After retrieving your Nationwide quotes by zip code, compare an online quote with GEICO for a second data point, then review home insurance rates by ZIP to verify that your final dwelling premium still sits in the lowest quartile for your state.

FAQ – Nationwide Quotes & Discounts

How do I get a Nationwide quote online?
Enter your ZIP code above, add basic vehicle or property details, and Nationwide shows real-time pricing—no phone call required.

Are quotes really free?
Yes. You can compare as many Nationwide auto insurance plans as you like without paying or committing.

Which discounts can lower my premium?
Bundling auto and home, enrolling in SmartRide, safe-driver points, paperless billing, and pay-in-full options all cut costs—often by double digits when combined.

Reviewed by Jane Doe, CPCU — 10 years in P&C underwriting • Updated July 5, 2025