Best Nationwide Car Insurance Discounts in 2025 (Save 25% With These Deals!)

The best Nationwide car insurance discounts are group, bundling, and accident-free, where you can save up to 25% on your car insurance premium.

Nationwide car insurance discounts come in many forms that can help lower your payments. Since the early days, Nationwide has offered more than basic coverage by rewarding careful driving and thoughtful choices like digital billing.

Our Top 10 Company Picks: Best Nationwide Car Insurance Discounts

Over time, the benefits have expanded to include discounts for low mileage, anti-theft devices, and even some occupation-specific offers. If you want to save more on your car insurance Enter your ZIP code to get personalized insurance quotes tailored to your needs and budget.

In addition, Nationwide has SmartRide, a usage-based insurance program that rewards you based on how you drive. Remember that all products are underwritten by Nationwide Mutual Insurance Company and its affiliated companies, and not every discount or product is available in all states.

How to Qualify for Nationwide Car Insurance Discounts

To qualify for Nationwide car insurance discounts, you must meet the eligibility requirements for each discount. Some discounts, such as the multi-policy discount, are automatic and will be applied when you purchase multiple policies with Nationwide.

Nationwide Car Insurance Monthly Rates by Driving Record

Driving Record
Clean Record	$164
One Accident	$230
One DUI	$338
One Ticket	$196

Other discounts may require you to take specific actions, such as completing a defensive driving course or installing an anti-theft device in your car. Below we will look at the various discounts offered by Nationwide, and how you can qualify for them.

Nationwide Group Discount

The Nationwide Group Discount is one of the most generous Nationwide auto discounts available. It offers savings of up to 25%, the company’s highest discount percentage. This discount is given to members of certain organizations, employers, or professional groups that partner with Nationwide.

To qualify, you need to be a part of a group with an agreement with the company. It’s simple—ask your employer or group leader if they are partnered with Nationwide. If they are, you can mention it when getting a quote.

This is one of the easiest Nationwide insurance discounts to qualify for if you’re already a member of an eligible group. And example of a group that can qualify for a group discount is Teamster. Teamster members can enjoy Teamster car insurance discounts from Nationwide and other insurance companies.

Nationwide Bundling Discount

The Nationwide Bundling Discount is a great way to save money on your policies. This discount applies when you combine your auto insurance with another policy, like homeowners or renters insurance. By bundling, you get better rates on each policy.

This is one of the most popular options among many customers. It is an easy way to access additional savings. Simple steps help you qualify. You just need to sign up for both policies at the same time. This option makes your payments simpler and often lowers the overall cost.

Many customers enjoy these nationwide discounts for their clear savings. They also appreciate the benefits of nationwide car insurance discounts that help them save even more money. Bundling these policies makes insurance easier to manage and understand.

Learn More: Best Multi Policy Car Insurance Discounts

Nationwide Accident-Free Discount

The Nationwide Accident-Free Discount is an excellent benefit for safe drivers. It offers a discount percentage of 20% to those who have not had any accidents for a specified period. You must show a clean driving record over the past year or more to qualify for this hidden car insurance discount. The company checks your history to confirm that you have been accident-free.

This discount is easy to earn if you drive carefully.

It is a simple way to save money on your insurance bill. If you keep your record clean and avoid any claims, you automatically qualify for this nationwide discount. It rewards safe driving with real savings on your policy.

Nationwide Good Student Discount

If you work hard in school and keep your grades up, you could qualify for an 18% good student discount. This is known as the nationwide student discount. It rewards students who show a strong academic record. You usually need to have a good GPA to be eligible.

You can mention your student status when you sign up for auto insurance. It’s a simple process that can lead to significant savings. This discount is one of the popular options among many young drivers.

It’s a great example of how nationwide auto insurance discounts help students. They make driving safely easier and more affordable while focusing on your studies. Keep up the good work, and enjoy the savings on your insurance policy.

Nationwide Safe Driver Discount

If you take your time behind the wheel and avoid accidents, you could benefit from a 12% discount. With the Nationwide Safe Driver Discount, you must be accident-free for at least three years. That means no claims or reported accidents during that period.

You may qualify if you have maintained a clean driving record for three full years. This discount rewards you for safe driving and helps lower your insurance costs. It’s a good idea to check your driving record and confirm your eligibility. If you meet the three-year mark, ask your agent for details on how to claim the nationwide safe driver discount.

Nationwide Defensive Driving Discounts

If you want to lower your insurance bill, you might want to check out the Nationwide Defensive Driving Discounts. After completing an approved defensive driving course, you can get a 10% discount. The course usually takes about six to eight hours.

Once you finish the course and get your certificate, you must show it to your agent. This discount is a nice way to save money while also learning skills that keep you safe on the road. It shows that Nationwide appreciates drivers who take the time to improve their driving habits.

If you’re interested, just call your local agent and ask about the course and how to get started with the nationwide defensive driving discount.

Nationwide Loyalty Discount

Sticking with Nationwide for a long time can pay off. They offer an 8% discount to thank you for your loyalty. You may qualify for this benefit if you have been a customer for five years or more. It’s really simple—just keep your policy active without any issues over time.

When you call your agent or check your account online, you can see your eligibility for the discount. Loyalty car insurance discount allows Nationwide to show they value your trust and commitment. It feels like a small thank-you from a friend who cares about helping you save money on your auto insurance.

Nationwide Occupational Discount

If you work in a field that is seen as safe and reliable, you might be eligible for the Nationwide Occupational Discount. This discount offers a 7% savings on your auto insurance bill. To qualify, you need to be employed in one of the eligible professions.

With roadside assistance on your Nationwide auto policy, help is available 24 hours a day, from towing and jump starts to flat tires and gas delivery.

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— Nationwide (@Nationwide) December 23, 2024

Eligible professions include EMS where you can get an EMS car insurance discount. You might have to show proof of your employment, like a pay stub or an official letter from your employer, when you apply. It is a simple way for Nationwide to thank you for doing your job well.

If you think your occupation might be eligible, check with your agent to see what documentation you need. This discount makes it easier to save money while you work hard every day.

Nationwide Anti-Theft Discount

If your car has a built-in anti-theft device, you might get a 5% discount with the Nationwide Anti-Theft Discount. It’s a nice way to save a little just for keeping your car safe. You don’t need to do much—just make sure your car has a system like a car alarm, engine immobilizer, or a GPS tracker that helps recover your vehicle if it gets stolen.

Let your agent know when you sign up or renew your policy. They may ask you to show proof that the device is installed. That’s it.

Nationwide Paperless Discount

If you don’t mind getting your bills and policy documents online, the Nationwide Paperless Discount might be perfect for you. This is one of the lesser known car insurance discounts. It gives you a 3% discount just for choosing to go digital. To qualify, you must sign up to receive your statements and other notices by email instead of regular mail.

You can do this through your online account or by asking your agent. It’s quick and easy, and you’ll stop getting stacks of papers in the mail. Plus, you save a little on your insurance each month. It’s a small change that adds up over time.

Other Nationwide Discounts

Nationwide offers a few more ways to save that are worth checking out. You might qualify for the Nationwide affinity discount if you’re part of a group or organization. Nurses can also get a special car insurance nurse discount just for being in the profession.

First responders, like firefighters and EMTs, may also qualify for a first responder discount. If you rent a car, ask about the Nationwide insurance car rental discount—it can cut costs. Driving less? The low mileage discount might be a fit. And if you’re in the military, the Nationwide military discount can help lower your rate as a thank-you for your service.

Types of Nationwide Car Insurance Discounts

Nationwide offers a variety of discounts to help customers save on their car insurance premiums. Here are some of the most popular discounts:

• Multi-Policy Discount: If you have multiple policies with Nationwide, you may qualify for a discount on your car insurance. Bundling your car insurance with other policies, such as homeowners or renters insurance, can save you up to 25% on your car insurance premiums.
• Safe Driver Discount: Nationwide rewards safe drivers with lower premiums. If you have a clean driving record with no accidents or violations, you may qualify for a safe driver discount.
• Accident-Free Discount: If you’ve gone a certain amount of time without any accidents, you may qualify for an accident-free discount. Nationwide offers this discount to drivers who have been accident-free for at least five years.
• Good Student Discount: Nationwide rewards students who maintain good grades with a discount on their car insurance premiums. To qualify, students must maintain at least a B average or be on the honor roll.

Nationwide offers a few more ways to help lower your car insurance costs. You might get a discount if your car has anti-theft devices like an alarm or tracking system.

Completing an approved defensive driving course can also earn you some savings. Plus, active and retired military personnel and their families can enjoy a special discount. These options make it easier to save money on your insurance each month.

Who is Eligible for Nationwide Car Insurance Discounts?

Most Nationwide car insurance discounts are available to all customers, although some discounts may have specific eligibility requirements. For example, the good student discount is only available to students who meet certain academic requirements, and the military discount is only available to active and retired military personnel and their families.

To qualify for discounts based on driving history, you must have a clean driving record with no accidents or violations. The length of time you must go without an accident or violation varies depending on the specific discount.

Your Road to Savings with Nationwide

Nationwide car insurance discounts offer a variety of ways to save money on your car insurance premiums. Whether you’re a safe driver, a loyal customer, or a member of an affinity group, there are discounts available to help you keep your insurance costs down.

By taking advantage of these discounts and shopping around for the best rates, you can find affordable car insurance that meets your needs and budget. Finding cheaper insurance rates is as easy as entering your ZIP code in to our free quote comparison tool.

Read more: How To Get Discounts on Car Insurance