Picking a car insurance company can be tricky: rates can fluctuate by driving history, age, and location, and every company provides a different set of discounts. Nationwide and American Family are two of America's most popular insurance companies, offering competitively priced policies in most American states.
In an effort to make insurance shopping seamless, we've gathered average policy rates from American Family and Nationwide. These take into consideration a number of pricing components, including credit rating, driving behavior, and age. Compare rates and find an affordable policy today.
If you have very poor credit, Nationwide could be a better option for you. Typically, Nationwide offers cheaper premiums than American Family for drivers with credit scores of lower than 580. Drivers with exceptional credit — a score of 800-plus — should consider Check out average insurance rates by credit score for American Family and Nationwide below.
|Credit score||Nationwide avg. annual premium||American Family avg. annual premium|
|Very Poor (300-579)||$1,593||$1,931|
|Very Good (740-799)||$1,109||$1,009|
If you have an at-fault accident, speeding violation, reckless driving violation, or DUI offense in your recent history, American Family could be a better choice than Nationwide. Every car insurance company prices its policies differently, so it's worth comparing quotes to find out which insurer is best for you.
|Violation||Nationwide avg. annual premium||American Family avg. annual premium|
|At-fault accident (damage < $1,000)||$1,836||$1,763|
|At-fault accident (damage > $1,000)||$1,475||$990|
Insurers use age to outline potential risk, assigning rates accordingly. Insurance is typically more expensive for teen drivers — because of their inexperience — and more affordable for middle-aged drivers. Because every insurance company evaluates ages differently, it's smart to shop around and find the perfect policy for you.
As a general rule, teen drivers should choose Nationwide before American Family: Nationwide offers average yearly savings of $186 versusAmerican Family.
|Age bracket||Nationwide avg. annual premium||American Family avg. annual premium|
Aside from finances, Nationwide and American Family each have pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
|Discount Comparison||Nationwide||American Family|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Nationwide||American Family|
|JD Power Rankings||4 out of 5||4 out of 5|
|Other Products||Nationwide||American Family|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Nationwide||American Family|
|About||Nationwide demonstrates customer appreciation and respect through dedicated, licensed professionals and superior claim service.||American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships.|
|Roadside Assistance||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.||American Family’s Emergency Roadside Service covers reasonable costs you can incur if you're car breaks down. These costs may include mechanical labor for up to one hour at the place of your vehicle’s breakdown, towing to the nearest place where the necessary repairs can be made, delivery of gas and oil, the cost of labor for a tire change or battery charge (not including the cost of any delivered item), and the cost of labor for locksmith services (not including the cost to replace locks or keys).|
|Additional Discounts||Nationwide offers additional savings through a Family Discount, which allows you to share discounts with members of your family.||None Available|
|Recent Questions||What’s the ADOT code for Nationwide|
Will an insurance company tell me if someone has paid a loan off?
I need the ADOT code for Nationwide....
I was rear-ended but the driver drove off before we exchanged information
I’m buying a vehicle from somebody but there’s a loan on it. I’d like to verify that it’s already paid ...
If I hit an uninsured driver, can he go after me for damages?
Luckily, their license plate was attached to my bumper. What’s the best way to handle it? Visit the address the ...
See More Questions
I live in Georgia and got into an accident. But the driver I hit didn’t have insurance. Can he still ...
|Are some insurance providers better suited to my needs than others to get the best rate?|
If I accidentally drove my car through a neighbor’s fence, will my insurance company pay for the damage?
I am 25 years old and currently drive a 2015 BMW 328i xDrive. It’s leased and i’m about to lease ...
How soon am I required to insure a vehicle I bought through a private sale?
My foot slipped on the clutch when I was parked in the street and I damaged my neighbor’s fence. Is ...
What’s the difference between an insurance carrier and an insurance agency?
I just bought my first car and have never had insurance. Do I have to be insured to take the ...
See More Questions
I have a local agent and he talks about the “carriers” that he works with. What is the difference?...
|Compare More||Nationwide vs. 21st Century Nationwide vs. Allstate Nationwide vs. Amica Mutual Insurance Nationwide vs. Auto Club (AAA) Nationwide vs. Erie Nationwide vs. Esurance Nationwide vs. Farm Bureau Mutual Nationwide vs. Farmers 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||American Family vs. 21st Century American Family vs. Allied American Family vs. Allstate American Family vs. Amica Mutual Insurance American Family vs. Auto Club (AAA) American Family vs. Erie American Family vs. Esurance American Family vs. Farm Bureau Mutual American Family vs. Farmers American Family vs. Foremost American Family vs. GEICO American Family vs. Infinity American Family vs. Liberty Mutual American Family vs. Mercury American Family vs. MetLife American Family vs. North Star Mutual American Family vs. Progressive American Family vs. SAFECO American Family vs. Safe Auto American Family vs. State Farm American Family vs. The General American Family vs. The Hartford American Family vs. Titan American Family vs. Travelers American Family 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|
“What you don’t know can’t hurt you…” … is an entirely false statement in the world of auto insurance. Car...
Today The Zebra announced that we closed a record-breaking $40 million Series B funding round, led by Accel Partners. As...
Insurance technology (also known as InsurTech or InsureTech) is en vogue. Whether it’s a new model of underwriting or new...
As driverless vehicles become less a futuristic dream and more a reality, our current system – which is obviously based...
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
At The Zebra, insurance is our bread and butter. But in this enormous and complicated industry, there are lines of...
Car insurance companies may occasionally cancel policies if customers fail to pay the premium, commit insurance fraud, make unapproved modifications that change the...
Far from a victimless crime perpetuated against bloated corporations, insurance fraud reaches into the lives of everyday citizens. It costs the industry...
In the U.S., drivers are legally required to carry auto insurance. (Even in New Hampshire, the only state where drivers...
Rate increase? Click to find the cheapest rates on car insurance → Lower gas prices = more road traffic...
By Alyssa Connolly, The Zebra We have exciting news on The Zebra front! Today we announced that we closed $17...
In the week following October 10, a story of law enforcement cracking down on a drunk driver spread quickly across...
The defining characteristics of the 80 million young people currently between the ages 18 and 34 has been much debated....
Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...
Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...
Sometimes things aren’t what they seem at the scene of a car crash, or even on the repair shop floor....
Pop quiz: What’s the largest potential technological disrupter of the car insurance industry? (Besides The Zebra, of course.) Answer: telematics....
A traffic ticket of any kind is bad enough—the extra money, the time spent in traffic court or diversion, the...
Anyone who’s ever searched for an auto insurance company knows by the questions they’re asked—plentiful and at times personal—that a...
If you haven’t had a car accident or made an insurance claim recently, you probably only think about your car...
You just can’t try insurance before you buy it—not really. You can read car insurance company reviews via some online...