Nationwide Auto Insurance Quote: Compare Rates, Coverage & Discounts
Nationwide auto insurance quotes help you line up the right liability limits, deductibles, and add-ons for your car or truck near me. As an independent agency, we’ll walk you through the must-have coverages (liability, collision, comprehensive) plus popular extras like roadside and rental. Use the quick coverage snapshot and example limits below, then start your quote online—fast, secure, and mobile-friendly.
What auto insurance typically covers
Liability (BI/PD)
Helps pay for other people’s injuries (BI) and property damage (PD) if you’re at fault, plus legal defense up to your policy limits.
Collision
Repairs or replaces your vehicle after a covered crash—regardless of fault—minus your deductible.
Comprehensive
Non-collision damage—hail, theft, vandalism, falling objects, fire, animal strikes—minus your deductible.
UM/UIM
Uninsured/Underinsured Motorist can step in for injuries or damage if the other driver doesn’t have enough coverage.
Medical Payments / PIP
Helps with medical bills for you and your passengers after a covered accident, per state rules.
Roadside & Rental
Add-ons for towing, battery/lockout help, and a rental car while yours is in the shop after a covered claim.
Coverages, availability, and eligibility vary by state and carrier. Always review your declarations and policy forms.
Typical costs & deductibles
Your premium is influenced by your driving history, garaging ZIP, vehicle type, credit/insurance score (where allowed), mileage, limits, and deductibles. Many drivers choose higher deductibles on Collision/Comprehensive to lower monthly cost, then invest in higher liability limits for better protection.
| Item | Common Range | Notes |
|---|---|---|
| Collision deductible | $500–$1,000 | Higher deductible = lower premium |
| Comprehensive deductible | $250–$1,000 | Hail/theft/glass usually fall here |
| Liability limits | $25k/$50k/$25k to $250k/$500k/$250k | Choose based on assets and risk |
| Rental reimbursement | $30–$50/day | Daily max & total cap vary |
Figures are illustrative and not a quote. Get a personalized rate online in minutes.
State minimum vs. recommended limits (example)
State minimums are a legal baseline, not a safety net. If you total someone’s new vehicle or there are major injuries, low limits can be exhausted quickly. Many drivers opt for higher limits or an umbrella policy for peace of mind.
| Option | BI per person | BI per accident | Property damage | Good for |
|---|---|---|---|---|
| State Minimum (example) | $25,000 | $50,000 | $25,000 | Legal compliance; tight budgets |
| Balanced Protection | $100,000 | $300,000 | $100,000 | Most families & commuters |
| Higher Assets | $250,000 | $500,000 | $250,000 | Homeowners, high-value assets |
Exact minimums vary by state; talk with an agent about the right limits for you.
Common auto insurance discounts
Bundle & multi-policy
Combine auto with home, renters, or other lines to save (varies by state and carrier).
Telematics / safe-driver
Opt into a driving program to potentially earn a discount based on habits.
Multi-car & good student
Save when you insure multiple vehicles or a student maintains qualifying grades.
Pay-in-full & autopay
Lower billing fees and unlock small savings with certain payment plans.
How to get a quote today
- Grab key details: drivers, VINs, current limits/deductibles, tickets/claims.
- Customize limits & deductibles: we’ll help tailor protection to your budget.
- Lock in your price: complete the application and choose your start date.
Where we serve
Licensed states
We’re licensed across these states for multi-state households and relocations:
- AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV
Cities (sample)
- Phoenix, Tucson, Scottsdale • Dallas, Houston, Austin • Los Angeles, San Diego • New York City • Miami, Orlando
Nationwide auto insurance — FAQs
Do I need comprehensive and collision on an older car?
It depends on your vehicle’s value and budget. If the car’s value is low, you might drop physical damage and keep robust liability. We can run options both ways.
What liability limits should I choose?
Many drivers select at least $100k/$300k/$100k. If you own a home or have higher assets, consider $250k/$500k/$250k or a personal umbrella.
Will a telematics program raise my rate?
Programs are designed to reward safe driving; terms vary by carrier. Ask us how the specific program treats hard braking, speeding, and nighttime driving.
Can I start a policy today?
Often yes—once we verify drivers, garaging, and payment, many policies can begin the same day. Start online and we’ll help finalize details.
Does my policy cover rental cars?
Liability usually extends, but physical damage may not without the right endorsements or your own Comp/Coll. Ask before you rent to avoid surprises.
Independent agency: Blake Insurance Group LLC is an independent insurance agency helping drivers compare multiple carriers and coverage designs.
Brand ownership: Nationwide is a trademark of Nationwide Mutual Insurance Company. All product and brand names are trademarks of their respective owners. Availability, discounts, and forms vary by state and carrier.
Licensing: Licensed insurance producer (NPR/NPN 16944666). Licensed in: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV.
