Auto and property insurance FAQ

Please contact your agent, call 1-888-891-0271, access it from our mobile app or log in to Online Account Access. Proof of insurance may not be available online in every state.

How do I view my auto insurance ID card?

  1. Log in to your account.
  2. Click ID Cards & Documents.
  3. Click View/Print ID Card under Auto Policy Details.

*ID cards are available for the past 15 months. Due to state requirements, we aren’t able to provide ID cards for members in some states, such as Delaware and New York. Learn more about how to get your auto ID cards.

You can also save your auto ID card to your Apple Wallet ® .

  1. Log in to your account.
  2. Click on ID Cards & Documents.
  3. Click Share next to the ID card you want to save.
  4. Click Add to Apple Wallet.

Please keep in mind that state insurance requirements may vary. Always review applicable laws to confirm whether a digital ID card can be considered proof of insurance.

How do I view my policy documents?

  1. Log in to your account.
  2. Click ID Cards & Documents.
  3. Click the document you want to view.

*Policy declarations are available for the past 15 months.

How do I pay my bill online for my auto, property, umbrella or term life insurance?

  1. Log in to your account.
  2. Click Make a Payment (if available).

*Billing statements for billing accounts and policies on a billing account can be viewed for the past 90 days. Billing statements for policies not on a billing account can be viewed for the past 13 months.

What credit cards can I use to pay my bill?

American Express, Discover, Master Card and Visa.

Can I use my savings or checking account to pay my bill online?

Yes, you can make a one-time payment or sign up for Automatic Payments using your savings or checking account.

  1. Log in to your account.
  2. Click Make a Payment.
  3. Select either checking or saving account as your payment method, then follow payment instructions.

How do I verify my online payment?

  1. Log in to your account.
  2. Go to the Bills & Payments.
  3. View Billing History.

How do I add people to my online account?

It only takes a few minutes to add someone listed as a named insured on one of your insurance policies, such as an auto, home, renters, condo, motorcycle or RV policy.

  1. Log in to your account.
  2. Click on Profile.
  3. Select Manage Authorized Users.
  4. Choose the people you want to add to your account.
  5. Set their level of access for your accounts.
  6. Ask them to check their email and follow the link to finalize this process.

How do I cancel my Nationwide policy?

How do I cancel my existing policy with another company when switching to Nationwide?

Mail or fax a policy cancellation letter to your current insurance company, using the following or similar language. Be sure to list every policy type and policy number you want to cancel, such as your auto, homeowners, motorcycle, boat and/or RV insurance. Also be sure your insurance does not lapse during the switch.

To whom it may concern,

I am requesting that you cancel my insurance policy () with your company, effective . Please stop any automatic payments and promptly refund the unused portion of my premium directly to me at:

Additionally, do not contact me by phone, email or mail about continuing this insurance policy or purchasing a new policy.

Can I set up electronic payments for any future refunds?

To set up electronic payments for any future refunds:

  1. Log in to your Nationwide online account.
  2. Click Billing Details under Bills & Payments.
  3. Click Payment Preferences.
  4. Scroll down to Saved Refund Methods and click Add Refund Method.
  5. Enter your checking or savings account information.
  6. Read and agree to the terms of the authorization agreement.
  7. Review and submit your changes.

Note: If you’re already enrolled in Automatic Payments (Easy Pay), we’ve got you covered. Any refunds will be deposited into the bank account you’ve provided.

Insurance rate factors

What factors does Nationwide consider when determining my car insurance price?

Some of the factors that influence your premium include:

What factors does Nationwide consider when determining my property insurance price?

Some of the factors that influence your premium include:

How can my credit score benefit me?

As with most insurers, we use a credit-based insurance score to predict insurance losses. Studies show that considering credit creates a more accurate insurance rate. By predicting potential losses better, we can provide a more appropriate rate.

Our experience has been that about half of our existing members receive a rate decrease based on their credit score.

How does Nationwide determine this credit-based insurance score?

We use many factors to determine your score. Some of the more common factors are:

When determining your score, gender, marital status, age, ethnicity, address and income are not considered.

What is an extraordinary life circumstance?

We have an extraordinary life circumstance process that applies to all states. You may qualify for reconsideration of your premium if your credit information has been directly influenced by one of the following events:

For more information, talk to your agent or call 1-888-891-0271. We may ask you to provide documentation of the event and an explanation of how that event affected your credit.

Ready to get started?

1-877 On Your Side (1-877-669-6877)

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Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Not all Nationwide affiliated companies are mutual companies, and not all Nationwide members are insured by a mutual company. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Nationwide Funds and NVIT Funds distributed by Nationwide Fund Distributors LLC (NFD), member FINRA, Columbus, Ohio. Nationwide Investment Services Corporation, member FINRA, Columbus, OH. Home Office: One Nationwide Plaza, Columbus, OH. Nationwide, the Nationwide N and Eagle and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © Nationwide Mutual Insurance Company.