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Farmers or Nationwide: Which company is best for you?

Farmers and Nationwide are some of the most popular insurance companies in America. Both insurers offer a variety of insurance lines and coverage types to suit the needs of homeowners and drivers across the country. Read on for an in-depth comparison of the two companies. 

Farmers car insurance

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4.0 Rating from The Zebra

Farmers Insurance offers customers highly-customizable coverage options and a variety of discounts. In general, they receive fewer customer complaints than average, though customer satisfaction is not the strongest overall. Through Farmers, customers can combine their car insurance coverage with a homeowners, renters or life insurance policy, adding convenience and potentially leading to savings.

Pros Cons
  • Customizable coverage options
  • Bundling opportunities
  • Lots of discount options
  • Overall customer satisfaction scores are poor
  • Higher than average rates                          
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Nationwide car insurance

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3.5 Rating from The Zebra

Nationwide customers should expect affordable rates, many discount options and a wide selection of coverages available for bundling. Nationwide customers can easily combine auto insurance with homeowners, renters and life insurance policies.

Pros Cons
  • Wide-ranging coverage options
  • Multiple telematics options
  • Affordable rates
  • Plentiful discount options
  • Poor customer satisfaction scores
  • Relatively frequent customer complaints (according to the NAIC)                          
Learn more

Which company comes out on top?

Tie


Farmers and Nationwide each have some things in common: each provides ample opportunities to find discounts, along with reasonable rates and bundling availability. However, neither company has the best customer satisfaction ratings. Get quotes from each company to see which one best fits your needs and budget.


Farmers vs. Nationwide: car insurance rate comparison

Car insurance rates differ based on a driver's vehicle, location, driving history and other factors, so insurance quotes are highly individualized. To streamline the comparison process, we collected average insurance rates from Nationwide and Farmers. These numbers take into consideration credit history, driving record and age. Take a look at how rates stack up below.

Cheapest average rates
Cheapest average rates

The cheaper of the two auto insurance companies is Nationwide, at $90 per month, whereas the average rate is $131 per month with Farmers


Farmers vs. Nationwide: pricing by credit score

If you have a low credit score, Nationwide is among the cheapest insurers. Farmers' rates are higher for drivers across each of the credit tiers, meaning even a driver with exceptional credit could save around $300 per year by opting for Nationwide. See below insurance rates by credit tier for the two companies.

 

RATES BY CREDIT LEVEL: NATIONWIDE VS. FARMERS
Credit level Farmers avg. annual premium Nationwide 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

Auto insurance data methodology

The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.

In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.

Farmers vs. Nationwide: rates for high-risk drivers

If you have a recent citation on your driving record, Nationwide is likely to be more affordable than Farmers. See rates by violation category below for the two companies.

RATES BY CITATION: NATIONWIDE VS. FARMERS
Citation 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
DUI/DWI $3,239 $2,691
Reckless driving $4,636 $2,508
Speeding ticket $2,045 $1,469

Farmers vs. Nationwide: rates by age

Car insurance companies depend on a driver's age as a measure of risk and a way to price policies. Insurance is typically much more expensive for young drivers and cheaper for drivers in middle age. 

Budget-minded teen drivers should consider Nationwide before Farmers. In fact, Nationwide is among the cheapest choices for most drivers.

 

RATES BY AGE: NATIONWIDE VS. FARMERS
Age tier Farmers avg. annual premium Nationwide avg. annual premium
Teens $6,518 $3,624
20s $2,020 $1,582
30s $2,020 $1,582
40s $1,511 $1,151
50s $1,507 $1,114
60s $1,402 $1,028

Aside from the head-to-head rates comparisons above, Farmers and Nationwide each come with important pros and cons worth weighing as you make your insurance decision. Before settling on an auto insurance company, get quotes and compare policy options.

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Ratings comparison: Farmers vs. Nationwide

Leading third-party information sources — along with The Zebra — evaluate the customer service and claims satisfaction standards of Farmers and Nationwide each year. We've collected these ratings to provide a head-to-head comparison of the companies that goes beyond rates to give you a better picture of what to expect as a customer.

Farmers vs. Nationwide
Ratings comparison Farmers Nationwide
Financial strength (A.M. Best) Excellent Superior
JD Power (claims satisfaction) Excellent Average
JD Power (customer satisfaction) Below average Poor
NAIC rating Above average Below Average
The Zebra's editorial review score 4/5 3.5/5
The Zebra's Customer Satisfaction Survey 4.3/5 4.3/5

Which company scores best?

Farmers


While Nationwide's rates may be cheaper, Farmers comes out on top in overall ratings. The company scored better in the NAIC complaint index and J.D. Power's claims satisfaction study. The companies scored similarly in The Zebra's original survey of customers, which you can read more about below.


The Zebra's Customer Satisfaction Survey

The Zebra conducted an in-house survey of insurance consumers to discover how they viewed their insurance companies across a number of topics. See below how each of these companies performed.

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Farmers

Farmers consistently ranked near the lower third of companies included in our survey. However, the company ranked 6th overall for claims satisfaction, indicating that customers are happy overall with the process. Among respondents, Farmers did best among younger drivers.

  • Farmers auto insurance placed 10th overall
  • Millennial and Gen X respondents rated Farmers higher overall
  • Scored highest for claims satisfaction
survey logo
Nationwide

Nationwide earned middling reviews from customers in most categories. Out of the 15 companies for which we gathered data, Nationwide auto insurance placed 9th overall with a score of 4.3. 

  • Nationwide car insurance placed 9th overall
  • Millennial and Gen X respondents rated Nationwide highly for ease of interaction
  • Scored poorly for claims satisfaction and online satisfaction

The Zebra Customer Satisfaction Survey methodology

Findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2021.


Farmers vs. Nationwide: discount comparison

To which company offers the best opportunities for savings, see our head-to-head comparison of each carriers' discount options below.

Farmers vs. Nationwide: discount comparison
Discount comparison Farmers Nationwide
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

Telematics options: Farmers vs. Nationwide

Both insurers offer telematics-powered policies, providing drivers the opportunity to save through low monthly mileage or safe driving practices. See more information about each company's mobile app below. 

Farmers logo
Farmers Insurance Signal

Signal is the telematics option from Farmers. The company advertises a 5% discount for signing up, with the promise of up to 15% savings for qualifying drivers. The company also offers an additional 10% savings for drivers under the age of 25 who enroll.

Unique amongst telematics programs, drivers enrolled in Farmers Signal — with a driving score of at least 80% — are also eligible to win up to $100 in rewards every month. Signal is not available in every state, and further restrictions may be imposed depending on where you live. 

nationwide logo
Nationwide SmartRide

SmartRide is Nationwide's telematics app. Nationwide's mobile application tracks customers' driving habits and provides feedback in an effort to help drivers avoid risk (and claims).

Zebra Tip: Check out telematics options from both carriers


Telematics programs from both Farmers and Nationwide are checking out if you are a safe driver.


Roadside assistance: Farmers vs. Nationwide

Many insurers offer roadside assistance as an optional add-on, though it may not be built into basic coverage. See what's included in the roadside assistance programs from Nationwide and Farmers below.

Farmers

The optional Farmers roadside assistance program covers up to $150 per incident (with special limits in North Carolina, Texas and Virginia) for the following services:

  • Towing
  • Battery jump start
  • Flat-tire change
  • Winching services
  • Lock-out services

To contact Farmers Roadside Service, call 1-800-435-7764.

 

Nationwide

Nationwide partners with Agero to provide roadside assistance services. Drivers who add roadside assistance receive access to:

  • Towing
  • Battery jump start
  • Fuel delivery
  • Flat-tire change
  • Winching services
  • Lock-out services
tow truck

Farmers vs. Nationwide: home insurance

In addition to selling car insurance, both companies have a large presence in the homeowners insurance market. Most often, homeowners policies can be paired with your auto insurance or other insurance lines for potential savings. See our in-depth home insurance comparison below to learn more about Farmers and Nationwide. 

Farmers homeowners insurance review

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4 Rating from The Zebra

Farmers continues to be a popular option for homeowners insurance primarily because of its robust coverage options and plentiful add-ons and endorsements. The company earned roughly average reviews from various third-party reviewers and consumers and placed 7th overall for homeowners insurance in The Zebra's Customer Satisfaction Survey.

  • The Zebra Customer Satisfaction Survey — 4.3/5: Farmers placed 7th overall in The Zebra's homeowners insurance customer survey. 
  • Claims satisfaction (J.D. Power) — Average: J.D. Power's property claims satisfaction study for 2021 gave Farmers an average score of 884 out of 1,000.
  • Customer satisfaction — (J.D. Power) — Average: Farmers earned an average score in J.D. Power's study of customer satisfaction. 
  • Financial strength — Excellent: AM Best rates Farmers highly, meaning the company is in good financial shape.
  • NAIC Rating — Above Average: Farmers received fewer complaints than did other major homeowners insurance companies.
Learn more

Nationwide homeowners review

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4.0 Rating from The Zebra

Nationwide is a popular option for homeowners insurance, due to its solid product offerings and relatively affordable rates. The company earned roughly average reviews from various third-party reviewers and consumers, placing 10th in The Zebra's Customer Satisfaction Survey. 

  • The Zebra Customer Satisfaction Survey — 4.3/5: Nationwide placed 10th in The Zebra's homeowners insurance customer survey. 
  • Claims satisfaction (J.D. Power) — Above average: J.D. Power's property claims satisfaction study for 2021 gave Nationwide an above-average score of 892 out of 1,000.
  • Customer satisfaction — (J.D. Power) — Below average: Nationwide earned below-average marks in J.D. Power's study of customer satisfaction. 
  • Financial strength — Superior: AM Best rates Nationwide an A+.
  • NAIC Rating — Above Average: Nationwide received fewer complaints than did other major homeowners insurance companies.
Learn more

Which company comes out on top?

Tie


Farmers and Nationwide are both worth considering for your new home insurance policy. Each has its pros and cons, so be sure to get quotes from each company and compare rates, discounts and coverage options to find the best policy for your situation.


Farmers vs. Nationwide: home insurance rate comparison

Farmers' average homeowners insurance rates are $1,455. Nationwide is more affordable on average, coming in at $1,236 per year.

Just like auto insurance rates, homeowners insurance prices vary by situation, so be sure to get quotes from multiple companies to compare your options comprehensively. 

Cheapest average rates
Cheapest average rates

The cheaper of the two options is Nationwide, at $103 per month. The average monthly home insurance rate for Farmers isn't too much more expensive, at an average of $121 per month.

Homeowners insurance data methodology

The homeowners insurance rates published in this guide are based on The Zebra's analysis of the cost of home insurance in every U.S. ZIP code. These rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:

  • $200,000 for the dwelling
  • $20,000 for other structures
  • $100,000 for personal property
  • $100,000 for personal liability
  • $1,000 deductible

To generate pricing for particular rating factors, we adjusted the homeowner profile based on common pricing factors used by major home insurance companies. These factors include location, coverage limits, claims record and others.


Farmers vs. Nationwide: homeowners discount comparison

Nationwide and Farmers both offer home insurance discounts for eligible customers. See how these discounts stack up below.

FARMERS VS. NATIONWIDE: HOMEOWNERS DISCOUNT COMPARISON
Discount comparison Farmers Nationwide
Claims free
Recent home buyer
Multi-policy
Early signing
Newer/more durable roof
Protective devices (smoke/burglar alarms, etc...)
Paid in full
Auto pay
New home construction
Career-based
Non-smoking
Smart home

Other insurance products and bundling options

Farmers and Nationwide offer a variety of insurance products, along with the possibility of bundling policies for additional savings. Compare bundling and multi-line offerings from the two carriers below.

Nationwide vs. Farmers: other insurance products
Other products Farmers Nationwide
Boat insurance
Condo insurance
Life insurance
Homeowners insurance
Travel trailer insurance
Renters insurance
RV insurance
Motorcycle insurance
Mobile home insurance
Umbrella
ATV insurance
Pet insurance
Commercial insurance

Find the best insurance policy for your needs.

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RECENT QUESTIONS

Will my Farmers insurance roadside assistance provide towing up to 250 miles?

Roadside assistance varies by insurance company. From my understanding, most towing and roadside assistance coverage offered as part of an auto policy either has a set dollar amount to cover a tow, covers towing up to 15 miles from your breakdown, or covers towing to the nearest repair facility.
Jul 20, 2017 Oakdale, CA

If I am planning to buy a car in the US as a tourist, will I be able to get insurance?

Even if you don't have a US driver license,&nbsp;you should still be able to find coverage with most insurance companies. You mentioned that you will be traveling around the US so it's important to note that US insurance companies require a "permanent" address before they will issue a policy.
Feb 5, 2017 Tuscon, AZ

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.
May 3, 2018 Harlingen, TX

Can I get an EMT discount with Nationwide?

To my knowledge, Nationwide does offer discounts to EMT but I'm not 100% if there are any specifics to the state of California. Because car insurance is regulated at the state, there could be some implications regarding California's state legislation that would prohibit employment status from being considered.
Aug 27, 2018 Los Alamitos, CA

Ross Martin photo
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.