Nationwide Insurance Quotes
Looking for a Nationwide insurance quote online? This guide shows how to compare auto and home rates, unlock bundle discounts, and fine-tune deductibles and add-ons (like accident forgiveness or SmartRide®) before you buy. You’ll learn which inputs change your price the most and how to capture every available credit in 2025.
Start with a quick quote, review the factors that shape your premium, then stack discounts methodically. In a few minutes you’ll know whether to stick with your current carrier or switch for better long-term value.
Get Your Nationwide Insurance Quote
Enter your ZIP code, choose auto or home, and preview eligible savings—safe-driver rewards, multi-policy credits, paperless and pay-in-full perks. No Social Security number is required for the online estimate, so there’s no impact on your credit score.
Auto Insurance Quote Form
Compare liability, full-coverage, and usage-based SmartRide plans side by side.
Home Insurance Quote Form
Bundle with auto to unlock additional savings on dwelling and liability coverage.
Quote Accuracy Tips
Use your garaging ZIP (where the car stays overnight), add all drivers, and verify annual mileage. For home, double-check rebuild cost, roof age, wiring type, and distance to a hydrant—these inputs move price more than most endorsements. Start SmartRide 30–45 days before renewal and compare pay-in-full vs. installments to capture every available credit.
Factors That Shape Your Premium
Each field you enter feeds Nationwide’s rating model. If you want a walkthrough of what to prepare—mileage, safety features, roof details—see our step-by-step online quote guide before you start.
Driving & Demographic Influences
Age, violation history, credit tier (where allowed), education, and yearly mileage drive auto pricing. Clean records can unlock vanishing deductibles, while recent at-fault accidents or low credit tiers may raise base rates. SmartRide telemetry helps offset increases when you log smooth acceleration, daytime driving, and limited phone distraction.
Geography matters, too. Urban ZIPs bring higher theft and collision frequency; rural areas trend higher on animal strikes. Bundling auto + home can counterbalance territory factors by adding homeowners credits to your overall account.
Vehicle & Property Variables
Safety tech (AEB, lane-keep), OEM parts cost, and theft rates sway auto premiums. A newer crossover with modern collision-avoidance can rate 8–10% lower than an older sedan without those features. For homes, rebuild cost, roof age, and proximity to hydrants or stations dominate. In hurricane or hail regions, impact-resistant roofing and wind-mitigation reports can trim surcharges by hundreds per year.
Revisit these inputs every renewal. A roof replacement, monitored alarm, or water-leak sensors may shift you into a lower risk tier for the next term.
Stackable Discounts (Quick Reference)
| Discount | Typical Range | Best For | Notes |
|---|---|---|---|
| Multi-policy (Auto + Home) | 10–15% | Households bundling 12+ months | Activate after pulling separate quotes. |
| SmartRide® telematics | Up to ~30% | Low-mileage, smooth driving | Start 30–45 days pre-renewal. |
| Home safety devices | 3–8% | Monitored alarms, leak sensors | Upload photo proof for credits. |
| Paperless & Pay-in-Full | ~3–5% | Annual payers | Avoids installment fees. |
Bundle Auto & Home and Save
Bundling consolidates billing and stacks multi-line discounts on top of SmartRide and home-safety credits. It’s the fastest lever most households can pull to drop total cost without cutting coverage.
Three-Step Bundling Process
Step 1 – Run side-by-side quotes: Use the forms above to pull auto and home rates separately. Quotes typically remain in your dashboard for ~30 days.
Step 2 – Activate the bundle: In the quote portal, select “Add another product,” verify details, and watch the multi-line discount appear before checkout.
Step 3 – Lock and pay: Choose paperless and pay-in-full if possible, e-sign, then download ID cards and declarations. For discount specifics, see the Nationwide discounts overview.
Personalized Coverage, Trusted Support
Nationwide’s A+ (AM Best) financial strength underpins claim payments through volatile cycles. 24/7 digital service lets you file, track, and settle claims from the mobile app. Add-ons like accident forgiveness and identity-theft restoration adapt protection as your life changes.
Paperless statements, pay-in-full, and the SmartRide program stack neatly with the multi-policy discount—especially useful when you add a teen driver or complete home upgrades that raise dwelling value.
Compare and Confirm Value
Rates vary sharply by ZIP and underwriting model. After you’ve saved your Nationwide auto estimate, pull a second data point with a GEICO online quote to see how a direct carrier prices your profile.
For homeowners, verify that your final dwelling premium sits competitively in your area by checking home insurance rates by ZIP. If numbers look high, revisit roof details, safety devices, and pay-in-full options before binding.
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 and home 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.