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Nationwide — HonestPolicy Grade

Overall: A (score 65.1/100) · methodology v0.2.1 · generated 2026-07-10

Every figure on this page links to the public government record it was computed from (see Sources & provenance). The grade aggregates the complaint experience of all Nationwide underwriting companies identified in each source, listed below with their raw complaint and exposure counts.

Automobile: A score 73.4/100 · composite relative index 0.36 · 7 signals

Signals

SignalYear Group complaintsGroup exposure base Market complaintsMarket exposure base Relative indexWeight
TX Automobile2025443,3202,48015,044,7980.56[tx]0.3
TX Automobile2024455,6111,59414,898,9760.67[tx]0.12
CA Automobile20251218,2521,78628,998,8650.07[ca_auto]0.2
CA Automobile20248218,2521,38828,998,8650.77[ca_auto]0.12
CA Automobile20237218,25285728,998,8651.09[ca_auto]0.08
NY Automobile20242$245.0M629$18,428M0.24[ny]0.12
NY Automobile20232$258.0M445$16,202M0.28[ny]0.06

Relative index = (group share of complaints) ÷ (group share of exposure base); 1.00 = market average, lower is better. CA prior-year indices reuse the latest-year exposure mix (CDI publishes exposures for the most recent year only). CA market = the ~50 largest writers CDI studies.

Underwriting companies aggregated into this grade

Source · year(s)Company ComplaintsExposure base Regulator's own ratio
TX · 2025NATIONWIDE MUTUAL INSURANCE COMPANY (NAIC 23787)114,7740.41 (TDI index)
TX · 2025NATIONWIDE INSURANCE COMPANY OF AMERICA (NAIC 25453) (tiny book — below the credibility floor on its own)0240.0 (TDI index)
TX · 2025NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY (NAIC 37877) (tiny book — below the credibility floor on its own)01080.0 (TDI index)
TX · 2025NATIONWIDE GENERAL INSURANCE COMPANY (NAIC 23760) (tiny book — below the credibility floor on its own)080.0 (TDI index)
TX · 2025NATIONWIDE AFFINITY INSURANCE COMPANY OF AMERICA (NAIC 26093) (tiny book — below the credibility floor on its own)0740.0 (TDI index)
TX · 2025NATIONWIDE AGRIBUSINESS INSURANCE COMPANY (NAIC 28223) (tiny book — below the credibility floor on its own)01,0100.0 (TDI index)
TX · 2025NATIONWIDE ASSURANCE COMPANY (NAIC 10723) (tiny book — below the credibility floor on its own)01540.0 (TDI index)
TX · 2025NATIONWIDE INSURANCE COMPANY OF FLORIDA (NAIC 10948) (tiny book — below the credibility floor on its own)0660.0 (TDI index)
TX · 2025CRESTBROOK INSURANCE COMPANY (NAIC 18961) (tiny book — below the credibility floor on its own)0630.0 (TDI index)
TX · 2025ALLIED PROPERTY AND CASUALTY INSURANCE COMPANY (NAIC 42579) (tiny book — below the credibility floor on its own)0310.0 (TDI index)
TX · 2025DEPOSITORS INSURANCE COMPANY (NAIC 42587) (tiny book — below the credibility floor on its own)030.0 (TDI index)
TX · 2025COLONIAL COUNTY MUTUAL INSURANCE COMPANY (NAIC 29262)327,0050.67 (TDI index)
TX · 2024NATIONWIDE MUTUAL INSURANCE COMPANY (NAIC 23787)218,2041.03 (TDI index)
TX · 2024NATIONWIDE INSURANCE COMPANY OF AMERICA (NAIC 25453) (tiny book — below the credibility floor on its own)050.0 (TDI index)
TX · 2024NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY (NAIC 37877) (tiny book — below the credibility floor on its own)040.0 (TDI index)
TX · 2024NATIONWIDE GENERAL INSURANCE COMPANY (NAIC 23760) (tiny book — below the credibility floor on its own)060.0 (TDI index)
TX · 2024NATIONWIDE AFFINITY INSURANCE COMPANY OF AMERICA (NAIC 26093) (tiny book — below the credibility floor on its own)01080.0 (TDI index)
TX · 2024NATIONWIDE AGRIBUSINESS INSURANCE COMPANY (NAIC 28223) (tiny book — below the credibility floor on its own)01,1480.0 (TDI index)
TX · 2024NATIONWIDE ASSURANCE COMPANY (NAIC 10723) (tiny book — below the credibility floor on its own)02140.0 (TDI index)
TX · 2024NATIONWIDE INSURANCE COMPANY OF FLORIDA (NAIC 10948) (tiny book — below the credibility floor on its own)0880.0 (TDI index)
TX · 2024CRESTBROOK INSURANCE COMPANY (NAIC 18961) (tiny book — below the credibility floor on its own)01,4330.0 (TDI index)
TX · 2024ALLIED PROPERTY AND CASUALTY INSURANCE COMPANY (NAIC 42579) (tiny book — below the credibility floor on its own)02930.0 (TDI index)
TX · 2024DEPOSITORS INSURANCE COMPANY (NAIC 42587) (tiny book — below the credibility floor on its own)0650.0 (TDI index)
TX · 2024COLONIAL COUNTY MUTUAL INSURANCE COMPANY (NAIC 29262)234,0430.55 (TDI index)
CA · 2025/2024/2023NATIONWIDE INSURANCE COMPANY OF AMERICA (CDI rank 5)16 (3yr)218,2522025: 0.5, 2024: 3.0, 2023: 2.3 (per 100k)
NY · 2024Nationwide Mutual Insurance Company (NAIC 23787)0 (upheld, of 8 total)$38.8M (premiums)0.0 (DFS ratio, rank 5)
NY · 2024Nationwide Insurance Company of America (NAIC 25453) (tiny book — below the credibility floor on its own)0 (upheld, of 4 total)$19.9M (premiums)0.0 (DFS ratio, rank 10)
NY · 2024Nationwide General Insurance Company (NAIC 23760)1 (upheld, of 31 total)$122.3M (premiums)0.008176299 (DFS ratio, rank 52)
NY · 2024Nationwide Affinity Insurance Company of America (NAIC 26093)1 (upheld, of 14 total)$57.0M (premiums)0.017557482 (DFS ratio, rank 60)
NY · 2024Nationwide Assurance Company (NAIC 10723) (tiny book — below the credibility floor on its own)0 (upheld, of 1 total)$2.4M (premiums)0.0 (DFS ratio, rank 41)
NY · 2024Harleysville Insurance Company (NAIC 23582) (tiny book — below the credibility floor on its own)0 (upheld, of 2 total)$4.7M (premiums)0.0 (DFS ratio, rank 31)
NY · 2023Nationwide Mutual Insurance Company (NAIC 23787)0 (upheld, of 3 total)$39.7M (premiums)0.0 (DFS ratio, rank 4)
NY · 2023Nationwide Insurance Company of America (NAIC 25453) (tiny book — below the credibility floor on its own)1 (upheld, of 2 total)$20.6M (premiums)0.048646862 (DFS ratio, rank 91)
NY · 2023Nationwide General Insurance Company (NAIC 23760)1 (upheld, of 23 total)$130.9M (premiums)0.007639965 (DFS ratio, rank 55)
NY · 2023Nationwide Affinity Insurance Company of America (NAIC 26093)0 (upheld, of 10 total)$58.9M (premiums)0.0 (DFS ratio, rank 3)
NY · 2023Nationwide Assurance Company (NAIC 10723) (tiny book — below the credibility floor on its own)0 (upheld, of 0 total)$2.7M (premiums)0.0 (DFS ratio, rank 46)
NY · 2023Harleysville Insurance Company (NAIC 23582) (tiny book — below the credibility floor on its own)0 (upheld, of 0 total)$5.3M (premiums)0.0 (DFS ratio, rank 30)

Homeowners: B score 56.8/100 · composite relative index 0.76 · 5 signals

Signals

SignalYear Group complaintsGroup exposure base Market complaintsMarket exposure base Relative indexWeight
TX Homeowners20251575,6331,1539,068,5181.56[tx]0.3
TX Homeowners20242198,8157339,050,7532.62[tx]0.12
CA Homeowners20252192,12350111,946,3010.25[ca_home]0.2
CA Homeowners20246192,1231,26511,946,3010.29[ca_home]0.12
CA Homeowners20236192,12367911,946,3010.55[ca_home]0.08

Relative index = (group share of complaints) ÷ (group share of exposure base); 1.00 = market average, lower is better. CA prior-year indices reuse the latest-year exposure mix (CDI publishes exposures for the most recent year only). CA market = the ~50 largest writers CDI studies.

Underwriting companies aggregated into this grade

Source · year(s)Company ComplaintsExposure base Regulator's own ratio
TX · 2025NATIONWIDE MUTUAL INSURANCE COMPANY (NAIC 23787)1366,8681.53 (TDI index)
TX · 2025NATIONWIDE INSURANCE COMPANY OF AMERICA (NAIC 25453) (tiny book — below the credibility floor on its own)13,4302.29 (TDI index)
TX · 2025NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY (NAIC 37877) (tiny book — below the credibility floor on its own)15,3341.47 (TDI index)
TX · 2025NATIONWIDE GENERAL INSURANCE COMPANY (NAIC 23760) (tiny book — below the credibility floor on its own)010.0 (TDI index)
TX · 2024NATIONWIDE MUTUAL INSURANCE COMPANY (NAIC 23787)1585,0602.18 (TDI index)
TX · 2024NATIONWIDE INSURANCE COMPANY OF AMERICA (NAIC 25453) (tiny book — below the credibility floor on its own)14,2232.93 (TDI index)
TX · 2024NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY (NAIC 37877) (tiny book — below the credibility floor on its own)16,5961.88 (TDI index)
TX · 2024NATIONWIDE GENERAL INSURANCE COMPANY (NAIC 23760) (tiny book — below the credibility floor on its own)4149515.96 (TDI index)
TX · 2024CRESTBROOK INSURANCE COMPANY (NAIC 18961) (tiny book — below the credibility floor on its own)02,9350.0 (TDI index)
CA · 2025/2024/2023NATIONWIDE MUTUAL INSURANCE COMPANY (CDI rank 7)14 (3yr)192,1232025: 1.0, 2024: 2.6, 2023: 2.2 (per 100k)

HonestPolicy Grades are calculated independently and without the endorsement of the NAIC, the Texas Department of Insurance, the California Department of Insurance, or the New York State Department of Financial Services. Underlying complaint statistics are public records of the named state agencies.

A HonestPolicy Grade is an editorial opinion about relative complaint experience, derived arithmetically from the public records cited on this page. It is not a recommendation to buy or avoid any insurance product. See methodology (v0.2.1) for the exact formula.

Sources & provenance

[tx] Texas Department of Insurance — Complaint indexes and policy counts for insurance companies — Texas Department of Insurance.
https://data.texas.gov/dataset/Complaint-indexes-and-policy-counts-for-insurance-/pa9u-9s9w
Retrieved 2026-07-10T10:07:49+00:00. Published on the Texas Open Data Portal for public reuse. Complaint index values are calculated by TDI.
[ca_auto] California Department of Insurance — 2026 Consumer Complaint Study (Automobile composite) — California Department of Insurance.
https://www.insurance.ca.gov/01-consumers/120-company/03-concmplt/upload/2026-Consumer-Complaint-Study-Auto.pdf
Retrieved 2026-07-10T10:07:51+00:00. Public record of the California Department of Insurance. Ratios are justified complaints per 100,000 earned exposures as calculated by CDI.
[ca_home] California Department of Insurance — 2026 Consumer Complaint Study (Homeowners composite) — California Department of Insurance.
https://www.insurance.ca.gov/01-consumers/120-company/03-concmplt/upload/2026-Consumer-Complaint-Study-Home.pdf
Retrieved 2026-07-10T10:07:51+00:00. Public record of the California Department of Insurance. Ratios are justified complaints per 100,000 earned exposures as calculated by CDI.
[ny] New York State Department of Financial Services — Automobile Insurance Company Complaint Rankings: Beginning 2009 — New York State Department of Financial Services.
https://data.ny.gov/Government-Finance/Automobile-Insurance-Company-Complaint-Rankings-Be/h2wd-9xfe
Retrieved 2026-07-10T10:07:51+00:00. Published on Open Data NY for public reuse. Per DFS: insurers are ranked by upheld consumer complaints (complaints where DFS agreed the insurer made an inappropriate decision) as a share of automobile premiums written in New York State; the ratio column is upheld complaints per $1 million of premium as calculated by DFS.

Full machine-readable provenance for every figure: data/grades.json (methodology v0.2.1, generated 2026-07-10T10:22:02+00:00).