What Discounts Does Nationwide Offer for Car Insurance?

Last Updated on October 13, 2023

Nationwide is one of America’s largest car insurance companies. Like all insurers, Nationwide offers a range of powerful discounts, ranging from good student discounts to homeowner discounts.

By taking advantage of Nationwide’s discounts, drivers can save hundreds – even thousands – of dollars per year on car insurance. Many Nationwide customers qualify for these discounts without knowing it.

nationwide car insurance discountsWhat discounts are available through Nationwide? How much can you save on Nationwide car insurance? Keep reading to discover the best Nationwide car insurance discounts.

Home & Auto Bundling Discounts

Nationwide claims drivers save an average of $710 per year by bundling home and auto policies together. Nationwide offers a range of homeowners and auto insurance policies. The company also offers insurance for unique vehicles – like RVs, motorcycles, and more. By bundling multiple policies together with Nationwide, you can save a significant amount per year on all policies.


Nationwide offers a driver-tracking program called SmartRide. SmartRide is a usage-based insurance program. You install a tracking system in your vehicle (or use the SmartRide app), and you get feedback on making safer driving decisions. Based on your driving behavior, Nationwide gives a discount on insurance rates. The safer you drive, the more you can save. All drivers save 10% just by signing up for SmartRide, and savings of up to 30% are possible for safe drivers.


Nationwide also offers a low mileage insurance discount called SmartMiles. If you drive fewer miles, then you pay less for car insurance. With SmartMiles, you get the same Nationwide coverage but with a flexible monthly rate based on how many miles you drive. This rate varies depending on your mileage. Typically, you qualify for SmartMiles if you drive fewer than 7,500 miles per year, although the specific mileage depends on your state.

Safe Driver Discounts

Like all insurance companies, Nationwide rewards safe drivers. If you are free of at-fault accidents and major violations over the last 5 years, then you will save money on car insurance.

Anti-Theft Device Discounts

Most modern vehicles have some type of anti-theft system. If your vehicle has anti-theft devices, it’s less likely to be stolen (and more likely to be recovered if stolen). Nationwide offers a discount for any anti-theft devices installed. In some cases, you need to provide proof of installation.

Easy Pay Signup Discount

If you sign up for Nationwide’s Easy Pay program, you could save on car insurance. With Easy Pay, Nationwide deducts car insurance from your bank account every month automatically. This is a one-time discount.

Affinity Group Discounts

Nationwide offers affinity discounts to members of certain professional groups, sports organizations, special interest groups, and alumni associations. Nationwide has partnered with hundreds of organizations to provide this discount.

Nationwide Good Student Discount

If you are a high school or college student with a B average or better, you’re eligible for a good student discount. You must be between ages 16 and 24 to qualify for this discount. You could save 5% to 15% through Nationwide’s good student discount.

Defensive Driving Course Discount

If you are a driver age 55 or older, then you could qualify for a defensive driving course discount by completing a state-approved driver safety course. Nationwide encourages older drivers to stay up-to-date on driving schools, and they reward older drivers who have completed defensive driving courses.

Paperless Discount

Do you receive your bills electronically? Do you pay your premiums electronically? If so, you could qualify for a paperless discount. Nationwide gives a recurring discount to drivers who sign up for paperless documents and billing.

On Your Side Reviews

Nationwide’s tagline is “Nationwide is on your side”. The company has an “On Your Side” review program. A Nationwide agent will review your situation and insurance coverage, then recommend the best coverage for your needs and budget. Although On Your Side is not technically a discount, it could save drivers hundreds per year on insurance.

Multi-Policy Discounts

Nationwide offers multi-policy discounts to drivers with two or more policies. You qualify for a multi-policy discount if you have home and auto insurance with Nationwide. You also qualify if you have any combination of auto, renters, motorcycle, boat, or life insurance with Nationwide. These are the types of insurance that Nationwide offers:




  • Term life insurance
  • Whole life insurance
  • Universal life insurance
  • Variable life insurance


As you can see, Nationwide offers a vast range of insurance options. If you need to buy more than one type of insurance, consider packaging them all with Nationwide to get bundling discounts.

Multi-Vehicle Discount

Having multiple vehicles registered to the same address could save you money. Nationwide, like all major insurers in the United States, offers a multi-vehicle discount to drivers with more than one car. If you or someone in your household (like a spouse or partner) has two or more vehicles registered with Nationwide, you could save money on car insurance by bundling all vehicles under the same policy.

Homeowner Promise Discount

Nationwide is one of the few insurance companies to offer a ‘homeowner promise’ discount. If you promise to insure your home with Nationwide within a year, you can save up to 5% on your home and car insurance bundle. This discount is suited to policyholders who are buying their first home. It’s also ideal for policyholders who currently have home insurance with a different company.

Nationwide Insurance Family Discount

Nationwide offers powerful discounts to families. Anyone living with you is eligible to receive the same discounts and benefits. If you qualify for a specific discount, for example, then this discount could apply to anyone in your family living in the same household.

Student Away from Home Discount

Most insurers offer some type of student away from home discount. You can save money on car insurance if you are a college student living away from home without access to a vehicle. As long as you a full-time student under 25 living more than 100 miles away from home, you (or your parents) can qualify for a student away from home discount. This discount is significant: it can lower insurance premiums by up to 50%.

New Vehicle Discount

If you drive a new vehicle (any vehicle made within the last five years), then you could qualify for Nationwide’s new vehicle discount in certain states. Nationwide’s new vehicle discount is only available in certain states, and the specific model year requirements vary from state to state. If you qualify, you could save up to 16% on car insurance.

Advance Quote Discount

Nationwide offers advance quote discounts to some drivers in certain situations. If you received a quote from Nationwide eight or more days before the effective date of the policy, then you could get a discount of up to 5% on your initial insurance premiums. Nationwide only seems to offer this discount in certain states and to certain customers.

How Do Nationwide’s Discounts Compare to Those of Other Insurers?

How do the discounts offered by Nationwide compare to those offered by other insurance companies? Click on the links below to see how Nationwide stacks up against other insurers.

Final Word – Nationwide Discounts

Nationwide is one of the top 10 largest car insurance companies in the United States. Like other insurers, Nationwide offers a range of discounts to help drivers save hundreds of dollars per year on car insurance. If you are interested in discounts from Nationwide, please contact them today.

Company AddressOne Nationwide Plaza
Columbus, OH 43215
Phone Number1-877-669-6877
Website URLhttps://www.nationwide.com/
James Shaffer
James Shaffer James Shaffer is a writer for InsurancePanda.com and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
Back to Top