Nationwide vs American Family Car Insurance

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Nationwide or American Family:
Which Company is Best for You?

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.


Comparing car insurance rates: Nationwide vs. American Family


Nationwide vs. American Family: pricing by credit score

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 INSURANCE RATE COMPARISON: American Family VS. Nationwide
Credit scoreNationwide avg. annual premiumAmerican Family avg. annual premium
Very Poor (300-579)$1,593$1,931
Fair (580-669)$1,262$1,294
Good (670-739)$1,283$1,220
Very Good (740-799)$1,109$1,009
Exceptional (800-850)$1,037$941

Nationwide vs. American Family: high-risk insurance rate comparison

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.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: American Family VS. Nationwide
ViolationNationwide avg. annual premiumAmerican Family avg. annual premium
At-fault accident (damage < $1,000)$1,836$1,763
At-fault accident (damage > $1,000)$1,475$990
DUI/DWI$2,691$1,857
Reckless driving$2,508$1,857
Speeding ticket$1,469$1,270

Nationwide vs. American Family: rates by age

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.


RATES BY AGE: American Family VS. Nationwide
Age bracketNationwide avg. annual premiumAmerican Family avg. annual premium
Teens$3,624$3,810
20s$1,582$1,685
30s$1,163$1,685
40s$1,151$1,089
50s$1,114$1,089
60s$1,028$986

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 ComparisonNationwideAmerican Family
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 ComparisonNationwideAmerican Family
Financial Strength SuperiorExcellent
JD Power Rankings
4 out of 5
4 out of 5
User Satisfaction

A+

A

Other ProductsNationwideAmerican Family
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesNationwideAmerican Family
AboutNationwide 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 AssistanceNationwide'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 DiscountsNationwide offers additional savings through a Family Discount, which allows you to share discounts with members of your family.None Available
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Compare MoreNationwide 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. USAAAmerican 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 OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
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Nationwide vs American Family

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