Farmers vs. Nationwide insurance

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Farmers or Nationwide:
Which Company is Best for You?

Choosing an auto insurance company can be tricky: rates vary based on your driving history, age, and location, and every company provides a different set of discounts. Farmers and Nationwide are two of the most popular car insurance companies, offering competitively priced coverage in most American states.

To take the sting out of shopping for car insurance, we gathered typical premiums from Nationwide and Farmers. The below cover a variety of rating factors, including credit, driving history, and age. Compare rates and find an affordable policy today.

Find out more: Check out our comprehensive reviews of Farmers and Nationwide.


Farmers vs. Nationwide: insurance rate comparison


Farmers vs. Nationwide: rates by credit level

If you have very poor credit, Nationwide could be preferable to Farmers. Typically, Nationwide offers cheaper rates than Farmers for drivers with credit scores of lower than 580. Insurance shoppers with exceptional credit — a score of 800 or higher — should consider View average insurance rates by credit level for Nationwide and Farmers below.


CREDIT SCORE INSURANCE RATE COMPARISON: Nationwide VS. Farmers
Credit levelFarmers 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: high-risk insurance rate comparison

If you have an at-fault accident, ticket, reckless driving citation, or DUI offense on your résumé, Nationwide could be a better choice than Farmers. Every auto insurance company has different post-violation pricing structures, so don't hesitate to shop around to figure out which insurance company suits you.


RATES BY CITATION: Nationwide VS. Farmers
ViolationFarmers 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 bracket

Car insurance companies use age to outline risk potential, assigning rates accordingly. An insurance policy is typically more expensive for teen drivers — because of their inexperience — and most affordable for middle-aged drivers. Since every insurance company rates age tiers uniquely, it's wise to compare rates and find a suitable policy.

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


AGE BRACKET INSURANCE RATE COMPARISON: Nationwide VS. Farmers
AgeFarmers 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

Finances aside, Farmers and Nationwide each carry pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.

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
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
User Satisfaction

A+

A+

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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?
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.
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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.
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