Nationwide vs Shelter Insurance

Side-by-side car insurance comparison based on rates across all available locations

Nationwide

4.3

Avg Monthly

$98/mo

Best Rate

$84/mo

Best For

Full coverage

Top Discount

SmartRide 40%

Founded

1926 · Columbus, Ohio

Available In

5 locations

Lower Avg Rate

Shelter Insurance

4.5

Avg Monthly

$81/mo

Best Rate

$70/mo

Best For

Oklahoma residents

Top Discount

Multi-policy 15%

Available In

5 locations

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Rate Comparison by State

Nationwide cheaper: 0Shelter Insurance cheaper: 0

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Pros & Cons

Nationwide

Pros

✓SmartRide telematics can save up to 40% for safe drivers
✓Strong life insurance and financial services arm
✓Pet insurance available through Nationwide
✓Good multi-policy discount when bundling products

Cons

✗Not available in all 50 states for all products
✗Average rates are not always the most competitive

Shelter Insurance

Detailed profile not yet available for Shelter Insurance.

Which Should You Choose?

Nationwide and Shelter Insurance are evenly matched — each is cheaper in 0 of 0 states where both operate.

Shelter Insurance has a higher average customer rating (4.5/5) compared to Nationwide (4.3/5). However, ratings can vary by state and coverage type.

Nationwide is generally best for full coverage, while Shelter Insurance stands out for oklahoma residents. The right choice depends on your priorities — lowest price, best service, or specific discounts.

Get a Nationwide Quote

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Nationwide vs Shelter Insurance — FAQs

Is Nationwide cheaper than Shelter Insurance?

Nationwide is cheaper in 0 of 0 states where both operate. However, rates vary by location, so Shelter Insurance may be cheaper in your area. Always compare quotes for your specific state and circumstances.

Which has better ratings — Nationwide or Shelter Insurance?

Nationwide has an average rating of 4.3/5, while Shelter Insurance averages 4.5/5 across all states. Both are well-established insurers with strong financial stability.

What discounts does Nationwide offer vs Shelter Insurance?

Nationwide's top discount is "SmartRide 40%", while Shelter Insurance offers "Multi-policy 15%". Both insurers offer multi-policy, good driver, and other standard discounts — check each insurer's site for the full list.

Can I switch from Nationwide to Shelter Insurance?

Yes. You can switch car insurance at any time, though it's usually best to switch at renewal to avoid cancellation fees. Get quotes from both Nationwide and Shelter Insurance to compare rates for your specific situation.

Which is better for my state?

It depends on where you live. Use the rate comparison table above to see which insurer is cheaper in your state. Factors like your driving record, age, and vehicle also affect your personal quote.

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