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.
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 level||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 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.
|Violation||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|
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||Farmers avg. annual premium||Nationwide avg. annual premium|
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.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings||Below average||Above average|
|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.||Auto insurance from Nationwide gives you peace of mind. When you choose an On Your Side Auto Repair Network® facility, you can get a written guarantee on your car repairs. With our On Your Side Claims® Service, you also get personal service like the On Your Side® Review, an annual check-in with your insurance professional to review your coverage. And with multi-policy and other discounts, such as the SmartRide® and SmartMiles® usage-based programs, you get peace of mind and value.|
|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||Should senior citizens carry collision insurance?|
Thanks for the question! Comprehensive and collision are not state-mandated coverages. Though if she is financing the vehicle she would need to carry these coverages for her loan in most cases.Will PIP pay for my medical bills?
Yes, personal injury protection (PIP) should cover any injuries resulting from an accident regardless of whether or not it was a single-vehicle accident. I would file a claim as soon as possible.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.See More Questions
|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 legislator that would prohibit employment status being considered.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.Is accident forgiveness a good idea for me?
You might be a good contender for this policy option. Most lease contracts will require you to keep the vehicle in good condition.See More Questions
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