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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.
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.
|Credit score||Farmers avg. annual premium||Nationwide avg. annual premium|
|Very Poor (300-579)||$2,633||$1,593|
|Very Good (740-799)||$1,459||$1,109|
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.
|Infraction||Farmers avg. annual premium||Nationwide avg. annual premium|
|At-fault accident (damage < $1,000)||$2,334||$1,836|
|At-fault accident (damage > $1,000)||$1,699||$1,475|
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..
|Age tier||Farmers avg. annual premium||Nationwide avg. annual premium|
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.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|About||Farmers 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 Assistance||Farmer'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 Discounts||Farmers 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 Questions||Are some insurance providers better suited to my needs than others to get the best rate?|
Because most coverage options can be matched across insurance companies, I think what you are really looking for is the best customer service/claims support for the best cost. Right off the bat, I know Geico probably wouldn't be an option for you with a leased vehicle.Does Farmers allow exclusions?
While I do not work for Farmers, it has been my experience that they do allow exclusions. Usually, you will need to call your agent or a customer service representation at their call sent and request an exclusion form.Will my farmers insurance cover my towing off the the NJ turnpike
Although I am not a Farmers insurance agent, my understanding of Farmer's Roadside Assistance program is you can either call their roadside service while your vehicle is inoperable and they will tow you up to $150 or you can be reimbursed for your troubles. However, this is all dependent on having towing and roadside on your policy.Will insurance cover someone other than the insured?
While it can vary by company, insurance will follow the car rather than the driver. So, in the event you get into an accident in your dad's vehicle, his insurance would be primary and yours would be secondary.See More Questions
|What's the ADOT code for Nationwide|
The ADOT code for Nationwide would be listed on your policy documents. But for Nationwide, it is 0014.Will an insurance company tell me if someone has paid a loan off?
Unfortunately an insurance company is not able to get information on another person's loan status due to privacy laws. Typically when a loan is fully paid off for a vehicle, then the title is transferred to the owner, who should then turn it over to you with the vehicle.I was rear-ended but the driver drove off before we exchanged information
The safest course of action would be to contact your insurance company with all the information possible. Including the police report and the at-fault driver's license plate information.If I hit an uninsured driver, can he go after me for damages?
Georgia isn't a "No-Pay No-Play" state, so if the insured driver is considered to be at-fault for the crash then the not at-fault party's insurance status does not have a bearing on any claims payout. Long story short, they can claim their vehicle damage and injuries if the other driver is at-fault.See More Questions
|Compare More||Farmers 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. Safe Auto Farmers vs. Safeco Farmers vs. State Farm Farmers vs. The General Farmers vs. The Hartford Farmers vs. Titan Farmers vs. Travelers Farmers vs. USAA||Nationwide 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 Insurance Nationwide vs. Safe Auto Nationwide vs. Safeco Nationwide vs. State Farm Nationwide vs. The General Nationwide vs. The Hartford Nationwide vs. Travelers Nationwide vs. USAA|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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