Does Nationwide Have a Loyalty Program?

Last Updated on January 22, 2025

Like most major American insurance companies, Nationwide does not offer a loyalty program based strictly on the length of time you’ve been a customer. Whether you’ve been with Nationwide for one year or ten, you’ll generally pay the same rates if all other factors remain equal.

However, Nationwide offers various discounts—like multi-policy discounts, safe driving discounts, and its unique Vanishing Deductible program—that can indirectly reward loyal customers.

Keep reading to learn everything you need to know about Nationwide’s loyalty program (or lack thereof) and other ways to save on Nationwide car insurance.

Key Takeaways

• Nationwide does not provide traditional loyalty discounts based purely on how long you’ve been a customer.
• Drivers can still save with Nationwide through multi-policy discounts, multi-vehicle discounts, safe driving programs like SmartRide, and the Vanishing Deductible perk.
• While not technically a “loyalty” discount, these perks often reward customers who maintain a clean driving record, bundle policies, or stick with Nationwide for multiple years.

No, Nationwide Doesn’t Have a Loyalty Program

Nationwide does not officially offer any loyalty discounts to drivers based solely on tenure. Even if you’ve been a Nationwide policyholder for 10+ years, you’ll pay rates similar to new policyholders—assuming your driving record, vehicle, and other factors are the same.

However, Nationwide has discounts and perks that can reward consistent, safe customers—such as the Vanishing Deductible program and multi-policy discounts. These benefits aren’t labeled “loyalty” discounts, but they can function similarly by providing financial incentives to stick with Nationwide.

How Nationwide’s Multi-Policy & Multi-Vehicle Discounts Work

The easiest way to save with Nationwide—beyond keeping a clean driving record—is to bundle or expand coverage. Nationwide offers discounted rates when you have multiple vehicles or multiple policies under one roof.

Multi-Policy Discounts

• Home & Auto: Bundle your homeowners (or renters) insurance with your car insurance to qualify for a discount on both policies.
• Other Insurance Products: Nationwide also offers insurance for boats, motorcycles, RVs, and more. Adding these policies could further increase your multi-policy discount.

Multi-Vehicle Discounts

• Two or More Vehicles: If you insure more than one vehicle with Nationwide, you could save on each vehicle’s premium.
• Household Members: In many cases, family members or roommates at the same address who share multiple policies may also qualify for multi-vehicle or multi-policy savings.

These multi-policy and multi-vehicle discounts reward customers for consolidating coverage with Nationwide, effectively incentivizing them to remain with the company long-term.

How Nationwide’s Safe Driving Discounts & Vanishing Deductible Work

Nationwide encourages and rewards safe driving through multiple programs:

1. SmartRide
   • A usage-based insurance program that monitors your driving habits (like mileage, braking, and nighttime driving) via a plug-in device or app.
   • Safe drivers can earn a discount of up to 40% at renewal, depending on driving performance.
2. SmartMiles
   • A pay-per-mile program ideal for low-mileage drivers.
   • You pay a base rate plus a per-mile rate, and it can be cheaper if you drive fewer miles.
3. Vanishing Deductible
   • For every year of safe driving with Nationwide, you can reduce your deductible by a set amount (often $100 per year), down to a specified minimum.
   • While not labeled a “loyalty” discount, Nationwide’s Vanishing Deductible effectively rewards drivers for staying safe and staying insured with Nationwide over the long term.

Although these programs aren’t explicit “loyalty” discounts, they reward longevity by tying your coverage costs to your consistent, safe driving habits—and naturally benefit those who remain with Nationwide.

Loyal Nationwide Customers Could Receive Other Perks

Although there’s no official, publicly advertised “loyalty program,” Nationwide may offer certain perks to policyholders who have been with them for many years. For instance, customer service representatives can see how long you’ve been a policyholder and may be more flexible with certain billing or coverage requests.

• Negotiable Discounts: A long-time customer facing a premium increase might be able to negotiate a better rate.
• Preferred Customer Service: Representatives may be more attentive or offer additional assistance to keep you as a valued customer.

However, none of these perks are guaranteed, and Nationwide does not officially publish details of such rewards.

Does Nationwide Offer Loyalty Rewards Points?

Unlike some major insurers, Nationwide does not currently have a prominent credit card or rewards points program directly tied to insurance policies. While the company did offer certain banking products in the past, including credit cards, those programs have changed over time and typically do not integrate with insurance discounts the same way “loyalty points” programs might.

If you’re looking for a points-based card that rewards insurance payments, you may need to explore third-party credit cards offering cash back on bills—though this won’t specifically tie into a Nationwide-sponsored loyalty program.

Final Word

Nationwide does not have an official loyalty program or loyalty discount. Whether you’ve been with Nationwide for 20 years or 20 minutes, you’ll generally pay the same rates for the same risk profile.

However, Nationwide offers other ways to save—including bundling policies, insuring multiple vehicles, joining usage-based discount programs like SmartRide or SmartMiles, and taking advantage of Vanishing Deductible. These programs reward safe driving and expanded coverage rather than tenure with the company.

Staying with Nationwide long-term could unlock additional perks, but there’s no dedicated, published “loyalty” discount for being a longtime policyholder.