Complaint Score
60.8 of 100
Normalized by premium volume across 50 states
NAIC MCAS 2024 Grade C 50 states
Nationwide Insurance
Nationwide Insurance: 2,341 justified complaints across 50 states (NAIC MCAS 2024). Reputation grade C.
Part of Nationwide
NAIC Code: 23787
Reputation grade C (composite score 60.8) — A=Excellent, F=Failing. Based on NAIC complaint ratios and CMS denial data.
Average — near industry median
What This Grade Means for You
Nationwide Insurance has a complaint record roughly in line with the industry median. This means the number of complaints is proportional to the volume of business the company writes. While not a red flag, consumers may want to compare Nationwide Insurance against higher-rated alternatives in their state before purchasing a policy.
Nationwide Insurance's composite score of 60.8 is derived from complaint ratios and operational data across 50 states.
Data note: This data reflects complaints filed with state insurance departments and regulatory filings.
A high complaint ratio does not necessarily indicate illegal behavior. Large insurers receive more complaints by volume;
complaint ratios normalize by premium size. Always verify coverage decisions with your insurer or a licensed agent.
This page is informational and does not constitute financial, legal, or insurance advice.
Nationwide Insurance appears in PlainInsurer's regulatory database with 2,341 justified complaints on file across 50 states under NAIC code 23787, operating as part of Nationwide. The company's composite score of 60.8 translates to a reputation grade of C — this score combines NAIC complaint ratios, available CMS claim denial data, and Medicare Advantage prior authorization metrics where applicable. Lower composite scores indicate fewer consumer problems relative to company size; higher scores indicate more.
Looking at business mix, Nationwide Insurance reports activity in 1 line of business (Auto Insurance). Its complaint score of 60.8 — normalized by premium volume — is what regulators and consumer-protection groups use to compare insurers fairly across different company sizes.
For consumers evaluating Nationwide Insurance, the practical implication is this: complaint ratio and denial data give a comparative view of how this insurer treats policyholders relative to peers, but they cannot predict your individual claim experience. The available data places Nationwide Insurance near industry norms; comparing directly against named alternatives in your state is the next step. This page is not financial, legal, or insurance advice — verify all coverage terms with a licensed agent and consult your state's Department of Insurance for dispute or complaint procedures.
Total Complaints
2,341
50 states
Complaint Score 60.80 +5980% vs. avg
Composite Score
60.8
Higher = more complaints
Claim Denial Score
N/A of 100
Not yet available for this insurer
States Active
50 states
NAIC Code: 23787
Consumer Risk Level 60.8%
National median
Composite score of 60.8 — lower is better
Complaint Data by Line of Business
| Line | Complaints | Avg Complaint Ratio | States Active |
|---|---|---|---|
| Auto Insurance | 2,341 | 0.98 -2% vs. avg
| 50 |
Top states by complaint volume
Top 5 states — Nationwide Insurance consumer complaints
Source: NAIC Consumer Information Source (CIS) + CMS Medicare Advantage Star Ratings Insurer complaint counts and ratios for Nationwide Insurance across all reported lines of business and states · 2023 NAIC CIS aggregates state-DOI consumer complaints; complaint ratios normalize against premium volume so absolute counts and ratios can diverge. Reputation grade derived from PlainInsurer methodology applied to NAIC data.
State Presence (50 states)
AL 47 complaints AK 47 complaints AZ 47 complaints AR 47 complaints CA 47 complaints CO 47 complaints CT 47 complaints DE 47 complaints FL 47 complaints GA 47 complaints HI 47 complaints ID 47 complaints IL 47 complaints IN 47 complaints IA 47 complaints KS 47 complaints KY 47 complaints LA 47 complaints ME 47 complaints MD 47 complaints MA 47 complaints MI 47 complaints MN 47 complaints MS 47 complaints MO 47 complaints MT 47 complaints NE 47 complaints NV 47 complaints NH 47 complaints NJ 47 complaints NM 47 complaints NY 47 complaints NC 47 complaints ND 47 complaints OH 47 complaints OK 47 complaints OR 47 complaints PA 47 complaints RI 47 complaints SC 47 complaints SD 47 complaints TN 47 complaints TX 47 complaints UT 47 complaints VT 47 complaints VA 47 complaints WA 47 complaints WV 47 complaints WI 47 complaints WY 47 complaints
Understanding Your Rights
If you have a dispute with Nationwide Insurance or any insurer, you have the right to file a complaint with your state's insurance commissioner. State regulators investigate consumer complaints, mediate disputes, and can take enforcement action against companies that violate insurance laws.
The NAIC's complaint filing page provides direct links to every state insurance department. Complaints can typically be filed online and are tracked as part of the public record that informs the complaint ratios shown on this page.
The data presented here covers all lines of business — auto, home, health, and life insurance. Complaint ratios are normalized by premium volume so that larger companies are not penalized simply for writing more policies.
Frequently Asked Questions
What does Nationwide Insurance's C grade mean?
Nationwide Insurance received a grade of C, which means "Average — near industry median." This grade is calculated from the company's NAIC complaint ratio (normalized by premium volume), CMS claim denial rates where available, and Medicare Advantage prior authorization data. Consumers may want to compare this insurer against higher-graded alternatives in their state.
How many complaints does Nationwide Insurance have?
Nationwide Insurance has 2,341 total complaints on record across 50 states, based on NAIC Market Conduct Annual Statement (MCAS) data. The raw complaint count alone does not tell the full story — larger insurers naturally receive more complaints. PlainInsurer uses complaint ratios (complaints per premium dollar) to compare companies fairly.
How do I file a complaint against Nationwide Insurance?
To file a complaint against Nationwide Insurance, contact your state's Department of Insurance. Every state has an insurance commissioner's office that accepts consumer complaints — you can typically file online, by phone, or by mail. The National Association of Insurance Commissioners (NAIC) also provides a central complaint portal at naic.org. Document your policy number, claim number, dates of communication, and the specific issue before filing. Your state regulator can investigate and mediate disputes between you and Nationwide Insurance.
Is Nationwide Insurance a good insurance company?
Whether Nationwide Insurance is a good choice depends on your coverage needs, state, and budget. PlainInsurer gives Nationwide Insurance a C grade based on complaint ratios and denial data. The above-average composite score suggests more consumer issues than typical insurers — compare alternatives in your state. Always compare quotes from multiple carriers and check complaint data for your specific state and line of coverage.
What types of insurance does Nationwide Insurance offer?
Based on NAIC filing data, Nationwide Insurance operates in 1 line of business: Auto Insurance. Coverage availability varies by state — Nationwide Insurance is licensed in 50 states. Check directly with Nationwide Insurance or your state's Department of Insurance for specific policy options in your area.
How does Nationwide Insurance compare to other insurers?
Nationwide Insurance's complaint data can be compared against other insurers using PlainInsurer's complaint ratio rankings. With a C grade, Nationwide Insurance ranks near the industry average for consumer complaints. To compare specific lines of coverage, visit the line-of-business rankings. For state-level comparisons, check the state pages where Nationwide Insurance operates.
Insurance Guides
📊
How to Read Complaint Ratios
⚖️ Understand what the numbers mean for Nationwide Insurance
How to Appeal a Claim Denial
🏥 Step-by-step internal and external review process
Understanding Prior Authorization
🚗 Why insurers deny care and what you can do
Choosing Auto Insurance
What NAIC complaint data reveals about auto insurers
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Compare Nationwide Insurance Against Another Insurer
See a side-by-side complaint ratio and denial rate comparison.
Data: NAIC MCAS 2024 industry scorecards · CMS Transparency in Coverage PUF PY2025 · CMS Medicare Advantage analysis (CMS OIG OEI-09-22-00380, KFF 2023).
Not affiliated with NAIC or CMS.
Read our methodology — how this data is sourced, computed, and verified.
All federal data sources used on this page
- U.S. Census Bureau ACS — demographic + housing + income data. census.gov/programs-surveys/acs
- BLS Occupational Employment and Wage Statistics (OEWS) — wage + employment by occupation. bls.gov/oes
- BEA Regional Economic Accounts — GDP + personal income by state/metro. bea.gov/data/regional
- U.S. Census Bureau County Business Patterns — establishment + employment by industry. census.gov/cbp
- IRS Statistics of Income (SOI) — tax-return aggregate data. irs.gov/statistics
- data.gov — U.S. federal open-data portal — discovery layer for additional federal sources. data.gov
Related to Nationwide Insurance
Primary data: NAIC Market Conduct Annual Statement (MCAS) 2024. Medicare Advantage figures: CMS Office of Inspector General audit OEI-09-22-00380 and KFF 2023 Medicare Advantage analysis. Methodology and computation by PlainInsurer Editorial — see methodology.