Updated September 28, 2026 · AssureCue Editorial Team

ERGO Group Deutschland vs Nationwide

ERGO Group Deutschland scores 9.4 and Nationwide 9.1 out of 10. Compare their differences and shared features below.

ERGO Group Deutschland

9.4/10

Facts checked September 26, 2026.

Nationwide

9.1/10

Facts checked September 26, 2026.

Where ERGO Group Deutschland and Nationwide differ

ERGO Group Deutschland vs Nationwide
Compare
ERGO Group DeutschlandERGO Group Deutschland
ReviewVisitVisit
Nationwide
ReviewVisitVisit
Premium from€3.90$35
Insurance typesAuto, Home, Life, Health, Travel, Motorcycle, Dental, Income protectionAuto, Home, Renters, Life, Motorcycle, Pet
Cover limit31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg)USD 50,000 per bike (custom motorcycle insurance)
Claims channelsOnline, PhoneCovers morePhone
Age rangeUnder 36 (13% start bonus for young people)Not confirmed

Same on both: Provider type (Insurer), Monthly payments (Yes).

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Key differences

  • ERGO Group Deutschland scores higher overall: 9.4 vs 9.1.
  • Insurance types: only ERGO Group Deutschland offers Health, Travel, Dental.
  • Insurance types: only Nationwide offers Renters, Pet.
  • Claims channels: only ERGO Group Deutschland offers Online.
  • Support channels: only ERGO Group Deutschland offers Email, Chat.
  • Support channels: only Nationwide offers Help centre.

Our verdict on each

ERGO Group Deutschland

ERGO Group Deutschland suits people who want one insurer for home, car and health cover, with premiums starting at €3.90 on a home policy. The support mix and monthly payment option make the account easy to run, and the price sits below the site median of €8.37.

Read the full ERGO Group Deutschland review

Nationwide

Nationwide suits people in the US who want several policies from a single insurer, covering auto, home, renters, life, motorcycle and pet with monthly payments available. Its listed starting premium is $35, a general entry point rather than a quote for a single policy.

Read the full Nationwide review

Score breakdown

ERGO Group Deutschland vs Nationwide
AreaERGO Group DeutschlandNationwide
Cost9.3HigherPremiums start at €3.90 on the Smart home policy, under the site median of €8.37, with monthly payments available.8.8
Offer9.1Higher8.7
Trust9.69.6

Where each is licensed and available

ERGO Group Deutschland vs Nationwide
CountryERGO Group DeutschlandNationwide
GermanyNot confirmed

Additional countries for ERGO Group Deutschland: 1. Additional countries for Nationwide: 1.

What each covers

ERGO Group Deutschland vs Nationwide
Insurance typesERGO Group DeutschlandNationwide
AutoYesYes
HomeYesYes
RentersNoYes
LifeYesYes
HealthYesNo
TravelYesNo
PetNoYes
MotorcycleYesYes
DentalYesNo
Income protectionYesNo

How they place

ERGO Group Deutschland vs Nationwide
RankingERGO Group DeutschlandNationwide
Car insurance7 of 39419 of 394
Home insurance6 of 27319 of 273
Life insurance5 of 26315 of 263
Motorbike insurance4 of 12012 of 120

Every fact side by side

ERGO Group Deutschland vs Nationwide
FactERGO Group DeutschlandNationwide
Pricing modelMonthlyMonthly
Legal entityERGO Group AGNationwide Mutual Insurance Company
HeadquartersGermanyUnited States
FoundedNot confirmed1925
Support channelsEmail, Chat, PhonePhone, Help centre

Business insurance

ERGO Group Deutschland vs Nationwide
FactERGO Group DeutschlandNationwide
Cover typesPublic liability, Cyber, PropertyNot confirmed

Pros and cons

ERGO Group Deutschland

Pros

  • Premiums start at €3.90 on the Smart home policy, below the site median of €8.37
  • Monthly payments are available, so the cost spreads across the year rather than landing in one bill
  • Support runs on email, chat and phone, so you can reach a person on chat, email or phone

Cons

  • The starting premium of €3.90 belongs to the Smart home policy for a small flat, so it reads as an entry point rather than a price for a larger home
  • The age band shown is Under 36 (13% start bonus for young people), so the starting price applies to a narrower group
  • Support runs on email, chat and phone only, with no branch or broker option listed

Nationwide

Pros

  • Personal lines span auto, home, renters, life, motorcycle and pet (auto, home and renters).
  • Monthly payments available, with monthly as the listed model.
  • An insurer rather than a broker, trading as Nationwide Mutual Insurance Company.

Cons

  • Starting premium of $35 sits above the site median of €8.37.
  • Support runs on phone and help centre only, with no listed chat or email.
  • Health and travel are not among its insurance types (auto, home and renters).

Who each suits

ERGO Group Deutschland

Who it suits

  • Households in Germany who want home, car, health, life, travel, motorbike, dental and income protection from one insurer
  • Renters or flat owners who want monthly payments instead of a single annual bill
  • Small businesses that need public liability, cyber or property cover alongside personal lines

Who should look elsewhere

  • Shoppers whose main need is professional or employers liability, since business cover is limited to public liability, cyber and property
  • People wanting pet or renters insurance, as neither appears in auto, home and life
  • Anyone who wants branch or in person service, since support runs on email, chat and phone only

Nationwide

Who it suits

  • US households wanting auto, home, renters, life, motorcycle or pet from a single provider.
  • Readers who prefer spreading premiums across the year.
  • Bike owners who want claims handled by phone (phone).

Who should look elsewhere

  • bunq suits readers after banking rather than personal insurance.
  • EuroAsia Insurance serves a different market, starting at UZS 60,000.
  • Good Sam Insurance Agency fits readers wanting health and travel types.

Current offers

ERGO Group Deutschland

Current offer

  • Bonus

    13% start bonus for young people on ERGO Hausratversicherung: 13%

    Granted while the policyholder has not yet reached age 36; applied automatically

    Source, checked September 26, 2026

Country by country

ERGO Group Deutschland vs Nationwide
CountryERGO Group DeutschlandNationwide
GermanyYesNo
United StatesNoYes

Questions about each

ERGO Group Deutschland

What does ERGO Group Deutschland cost to start with?+

The published entry price is €3.90, attached to the Smart home policy. The site median for this field is €8.37, and the lower quartile is €2.92, so the starting figure sits in the cheaper part of the market range. It applies to that one home product rather than every policy.

Can I pay monthly instead of in one payment?+

Yes. Monthly payments are available, so the premium can be spread over the year rather than paid as a single sum. That is the payment model listed for this insurer, and it is the norm across the site, where 88.9% is the share of brands offering it.

Nationwide

What kind of company is Nationwide?+

Nationwide is an insurer (insurer) rather than a broker, trading as Nationwide Mutual Insurance Company. Its headquarters sit in US and it was founded in 1925. Policies are underwritten by the company itself, so the contract and the claims both sit with the same firm.

How much does Nationwide cost?+

Premiums start at $35 across the personal lines it sells. That figure is a starting point rather than a quote, and the site median for the same measure is €8.37, so this opening price reads as high on the page.

Other options to compare

Other matchups

ERGO Group Deutschland

ERGO Group Deutschland

Higher score in this comparison

9.4/10Visit

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