Farmers vs Nationwide Car Insurance

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Farmers or Nationwide:
Which Company is Best for You?

Selecting an auto insurance company is difficult: rates can fluctuate based on your location, age, and driving history, and every company's discounts vary. Farmers and Nationwide are two of the most popular insurance companies, providing competitively priced policies across large swaths of the US.

In an effort to simplify the insurance-shopping process, we've collected average insurance rates from Nationwide and Farmers. These rates cover myriad rating factors, including credit score, driving history, and age. Check out the below rates and find the right policy for you.

 

Compare Farmers vs. Nationwide auto insurance rates

 

Farmers vs. Nationwide: by credit level

If you have very poor credit, Nationwide could be the way to go. On average, Nationwide offers lower rates than Farmers for drivers with credit scores of 579 or less. Drivers with exceptional credit — a score of 800-plus — should consider View typical insurance costs by credit score for Nationwide and Farmers below.

 

COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Nationwide VS. Farmers
Credit scoreFarmers avg. annual premiumNationwide avg. annual premium
Very Poor (300-579)$2,633$1,593
Fair (580-669)$1,736$1,262
Good (670-739)$1,882$1,283
Very Good (740-799)$1,459$1,109
Exceptional (800-850)$1,354$1,037

 

Farmers vs. Nationwide: rates after infractions

If you are saddled with an at-fault collision, speeding violation, reckless driving violation, or DUI offense on your résumé, Nationwide could be a better choice than Farmers. Every car insurance company prices policies differently after a violation, so it's worth comparing quotes to understand which insurance company suits you.

 

HIGH-RISK INSURANCE RATE COMPARISON: Nationwide VS. Farmers
InfractionFarmers avg. annual premiumNationwide avg. annual premium
At-fault accident (damage < $1,000)$2,334$1,836
At-fault accident (damage > $1,000)$1,699$1,475
DUI/DWI$3,239$2,691
Reckless driving$4,636$2,508
Speeding ticket$2,045$1,469

 

Farmers vs. Nationwide: rates by age

Auto insurance companies use a driver's age as an estimator of risk, pricing policies accordingly. A car insurance policy is commonly priciest for young drivers — due to their inexperience — and relatively affordable for middle-aged drivers. Since every insurance company prices age brackets uniquely, it's worth doing some comparison shopping.

As a general rule, teen drivers should choose Nationwide before Farmers: the former's average annual rates are $2,894 less than the latter's..

 

COMPARING AUTO INSURANCE RATES BY AGE: Nationwide VS. Farmers
Age tierFarmers avg. annual premiumNationwide avg. annual premium
Teens$6,518$3,624
20s$2,020$1,582
30s$1,543$1,582
40s$1,511$1,151
50s$1,507$1,114
60s$1,402$1,028

 

Costs aside, Farmers and Nationwide each come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Dive into the data before making your decision.

Discount ComparisonFarmersNationwide
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonFarmersNationwide
Financial Strength ExcellentSuperior
JD Power Rankings
3 out of 5
4 out of 5
User Satisfaction

A+

A+

Other ProductsFarmersNationwide
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesFarmersNationwide
AboutFarmers Auto Insurance knows that protecting your vehicle is more than just a basic obligation, which is why they provide all the value and flexibility you need, along with unparalleled customer and claim service.Nationwide demonstrates customer appreciation and respect through dedicated, licensed professionals and superior claim service.
Roadside AssistanceFarmer's Roadside Assistance provides assistance for reasonable and necessary services up to $150, including towing, roadside winching, locksmith services, flat tire changes, and jump starts.Nationwide's Roadside Assistance is available in select states. Two levels of emergency Roadside Assistance coverage—Basic and Plus—are available. Nationwide Roadside Assistance Basic applies to everyone on your policy, in any car you might occupy with coverage that includes towing up to 15 miles, ditch extraction service, emergency fuel, battery jump-start, locksmith services up to $100 and tire changes. Nationwide Roadside Assistance Plus includes all the previously listed services in addition to a tow up to 100 miles and trip interruption coverage that may reimburse your expenses up to $500 for alternate transportation, lodging and meals if you find yourself broken down 100 or more miles from home.
Additional DiscountsFarmers offers an additional discount for seniors.Nationwide offers additional savings through a Family Discount, which allows you to share discounts with members of your family.
Recent QuestionsAre some insurance providers better suited to my needs than others to get the best rate?

I am 25 years old and currently drive a 2015 BMW 328i xDrive. It’s leased and i’m about to lease ...

Does Farmers allow exclusions?

Can I exclude my boyfriend on my Farmer’s car insurance policy?...

Will my farmers insurance cover my towing off the the NJ turnpike

Car was towed to the nearest exit off of the turnpike...

Will insurance cover someone other than the insured?

My dad and I live separately. But if I were to borrow this vehicle and get into an accident, would ...

See More Questions
What’s the ADOT code for Nationwide

I need the ADOT code for Nationwide....

Will an insurance company tell me if someone has paid a loan off?

I’m buying a vehicle from somebody but there’s a loan on it. I’d like to verify that it’s already paid ...

I was rear-ended but the driver drove off before we exchanged information

Luckily, their license plate was attached to my bumper. What’s the best way to handle it? Visit the address the ...

If I hit an uninsured driver, can he go after me for damages?

I live in Georgia and got into an accident. But the driver I hit didn’t have insurance. Can he still ...

See More Questions
Compare MoreFarmers vs. 21st Century Farmers vs. Allied Farmers vs. Allstate Farmers vs. American Family Farmers vs. Amica Mutual Insurance Farmers vs. Auto Club (AAA) Farmers vs. Erie Farmers vs. Esurance Farmers vs. Farm Bureau Mutual Farmers vs. GEICO Farmers vs. Infinity Farmers vs. Liberty Mutual Farmers vs. Mercury Farmers vs. MetLife Farmers vs. North Star Mutual Farmers vs. Progressive Farmers vs. SAFECO Farmers vs. Safe Auto Farmers vs. State Farm Farmers vs. The General Farmers vs. The Hartford Farmers vs. Titan Farmers vs. Travelers Farmers vs. USAANationwide vs. 21st Century Nationwide vs. Allstate Nationwide vs. American Family Nationwide vs. Amica Mutual Insurance Nationwide vs. Auto Club (AAA) Nationwide vs. Erie Nationwide vs. Esurance Nationwide vs. Farm Bureau Mutual Nationwide vs. Foremost Nationwide vs. GEICO Nationwide vs. Infinity Nationwide vs. Liberty Mutual Nationwide vs. Mercury Nationwide vs. MetLife Nationwide vs. North Star Mutual Nationwide vs. Progressive Nationwide vs. Root Nationwide vs. SAFECO Nationwide vs. Safe Auto Nationwide vs. State Farm Nationwide vs. The General Nationwide vs. The Hartford Nationwide vs. Travelers Nationwide vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
Additional Resources:

Farmers vs Nationwide

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