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American Family vs. Nationwide: Which Car Insurance Is Cheaper?

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: May 25, 2021

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Key Takeaways

  • Comparing American Family vs. Nationwide is easy, as the companies offer similar insurance policies
  • American Family has an A.M. Best rating of A
  • Both companies offer an array of personal and business home, life, and car insurance policies
  • Nationwide’s A.M. Best rating is an A++

Buying car insurance can be a daunting task. With so many car insurance companies and policies out there, finding the right fit can feel a little overwhelming.

Which company will provide the best and cheapest car insurance for you?

To make the process easier for you, we’re comparing American Family vs. Nationwide, two leading car insurance companies.

American Family Insurance specializes in property, casualty, and auto insurance, while Nationwide specializes in auto, homeowners, and a few other insurance policies.

Keep reading to compare affordable American Family vs. Nationwide car insurance quotes, or enter your ZIP code to start comparing multiple companies in your area.

American Family vs. Nationwide: Which company has better rates?

As with any insurance, car insurance rates are dependent on a range of factors. Where you live, your driving record, age, gender, and more determine how much you will pay for car insurance.

Let’s take a closer look at American Family vs. Nationwide car insurance rates by driver demographics.

American Family vs. Nationwide Average Annual Car Insurance Rates by Demographic
DemographicAmerican Family Average Annual RatesNationwide Average Annual Rates
Single 17-year-old female$5,997$5,756
Single 17-year-old male$8,131$7,175
Single 25-year-old female$2,289$2,686
Single 25-year-old male$2,695$2,889
Married 35-year-old female$2,203$2,360
Married 35-year-old male$2,224$2,387
Married 60-year-old female$1,993$2,130
Married 60-year-old male$2,014$2,215
Clean driving record$2,694$2,746
With one speeding violation$3,026$3,114
With one accident$3,723$3,397
With one DUI$4,330$4,543
Good Credit (670-739)$2,692$2,926
Fair Credit Score (580-669)$3,170$3,255
Poor Credit Score (300-579)$4,468$4,083
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You may live in a state where basing car insurance on credit score is illegal. Be sure to check out our car insurance by state page before judging American Family vs. Nationwide car insurance rates based on credit score alone.

It’s always a good idea to compare companies’ sample car insurance rates because it gives you a snapshot of what each company has to offer and helps you find the right coverage for an affordable price.

American Family vs. Nationwide: What discounts do they offer?

All car insurance companies are different, and that extends to the discounts they offer. Below is a list of the discounts offered by American Family and Nationwide.

American Family vs. Nationwide Car Insurance Discounts
DiscountsAmerican FamilyNationwide
Adaptive Cruise Controln/an/a
Adaptive Headlightsn/an/a
Anti-lock Brakesyes5
Anti-Theftyes25
Claim Freeyes10
Continuous Coverageyesn/a
Daytime Running Lightsn/a5
Defensive Driver105
Distant Studentn/a10
Driver's Edn/an/a
Driving Device/App4040
Early Signingn/a8
Electronic Stability Controln/an/a
Emergency Deploymentyesn/a
Engaged Coupleyesn/a
Family Legacyyesn/a
Family Planyes25
Farm Vehicleyesn/a
Fast 5yesn/a
Federal Employeeyesn/a
Forward Collision Warningn/an/a
Full Paymentn/an/a
Further Educationyes15
Garaging/Storingyesn/a
Good Creditn/an/a
Good Studentn/a10
Green Vehiclen/an/a
Homeowneryes5
Lane Departure Warningn/an/a
Life Insurancen/an/a
Low Mileagen/an/a
Loyaltyyes5
Marriedn/an/a
Membership/Groupn/a7
Militaryyesn/a
Military Garagingyesn/a
Multiple Driversn/an/a
Multiple Policiesn/a10
Multiple Vehiclesn/a20
New Addressn/an/a
New Customer/New Plann/an/a
New Graduateyesn/a
Newer Vehicleyesn/a
Newly Licensedn/an/a
Newlywedsn/an/a
Non-Smoker/Non-Drinkern/an/a
Occasional Operatorn/an/a
Occupationn/a15
On Time Paymentsn/an/a
Online Shoppern/an/a
Paperless Documentsn/a5
Paperless/Auto Billingn/a$30
Passive Restraint3020
Recent Retireesyesn/a
Renteryesn/a
Roadside Assistanceyesn/a
Safe Drivern/a35
Seat Belt Usen/an/a
Senior Drivern/an/a
Stable Residenceyesn/a
Students & Alumnin/a7
Switching Providern/an/a
Utility Vehiclen/an/a
Vehicle Recoveryyes25
VIN Etchingyesn/a
Volunteeryesn/a
Young Drivern/an/a
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Don’t forget, you could save on your car insurance by bundling insurance policies.

American Family vs. Nationwide: Which company has better consumer ratings?

You may be wondering, “But is American Family good insurance? What about Nationwide?”

A great way we can judge this is by comparing ratings for Nationwide insurance vs. American Family’s ratings. Check out the table below to see how each company fared in a Consumer Reports car insurance study.

American Family vs. Nationwide Consumer Reports Ratings
Consumer Reports Ratings CriteriaAmerican Family RatingsNationwide Ratings
Excellence of Reaching an AgentExcellentVery Good
Simplicity of the ProcessVery GoodVery Good
Promptness of ResponseVery GoodVery Good
Damage AmountVery GoodExcellent
Agent CourtesyExcellentVery Good
Timely PaymentVery GoodVery Good
Freedom to Select Repair ShopVery GoodVery Good
Being Kept Informed of Claim StatusExcellentVery Good
Reader Score8988
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As you can see, American Family and Nationwide are very close in Consumer Reports’ rankings, with American Family having a very slight edge.

In J.D. Power’s 2020 U.S. auto insurance study on customer satisfaction, American Family tied with GEICO for the highest-ranking auto insurance company in the southwest.

American Family vs. Nationwide: Which types of car insurance policies are offered?

Fortunately, almost any type of coverage you might need can be found at either of these two leading insurance companies.

To make things easier, we’ve outlined which types of car insurance policies American Family and Nationwide offer below.

What car insurance policies are offered by American Family?

American Family has a long list of car insurance policies available to its policyholders. Of course, the company offers basic car insurance coverages like collision, comprehensive, and liability insurance.

Apart from basic coverage, American Family insurance options include:

  • Underinsured and uninsured motorist insurance
  • Classic car insurance
  • Commercial insurance
  • Rideshare insurance
  • Gap/lease & loan insurance
  • Medical payments insurance
  • 24/7 roadside assistance insurance
  • Accident forgiveness insurance
  • Auto rental reimbursement insurance
  • Original equipment manufacturer (OEM) insurance
  • Travel insurance
  • ForeverCar

American Family’s ForeverCar vehicle service plan covers extra repair costs in the event of an accident. It is designed to adapt to your needs over time, which differentiates this plan from an extended warranty.

American Family has more than enough insurance options to choose from, which can be overwhelming when buying your car insurance policy.

A great place to start is looking into your state’s minimum auto insurance requirements.

American Family has a rating of “A” from the credit rating agency A.M. Best, so you can trust that the company is financially stable.

What car insurance policies are offered by Nationwide?

Similar to American Family, Nationwide offers a wide variety of insurance policies to choose from. However, Nationwide provides both personal and business coverage options.

Nationwide Personal Insurance Options

Nationwide’s personal insurance policies consist of car, home, life, and specialty insurance coverage.

Apart from standard and full coverage auto insurance, Nationwide car insurance policies include:

  • Classic car insurance
  • Boat insurance
  • Snowmobile insurance
  • ATV insurance
  • Motorcycle insurance
  • RV, motorhome, travel trailer & camper insurance
  • Personal watercraft insurance
  • Scooter insurance
  • Golf cart insurance

Nationwide offers an even greater variety of property, life, and specialty insurance beyond car insurance policies. Nationwide property policies include:

  • Homeowners insurance
  • Renters insurance
  • Condo insurance
  • Flood insurance

Nationwide life insurance policies include:

  • Term life insurance
  • Universal life insurance
  • Whole life insurance
  • Variable life insurance

Lastly, Nationwide’s specialty insurance offerings consist of:

  • Personal umbrella insurance
  • Travel insurance
  • Nationwide pet insurance
  • Wedding insurance
  • Specialty liability insurance
  • Identity theft insurance
  • Accident medical insurance
  • Dental insurance

But what about its business insurance policies?

Nationwide Business Car Insurance

Nationwide offers some business insurance policies, including a commercial auto insurance policy that covers employee vehicles. Other business policies offered by Nationwide include:

  • Businessowners insurance
  • Business liability insurance
  • Commercial property insurance

Under each of these are more detailed insurance options that allow you to tailor your policy to your specific business insurance needs.

Nationwide has an A.M. Best rating of “A+,” which is slightly better than American Family’s rating of “A.”

We highly recommend that you compare American Family vs. Nationwide rates for every type of coverage you want before buying an insurance policy.

This will ensure that you get the best insurance policy or policies for your specific needs at the best price.

What is American Family?

American Family Insurance is a private mutual insurance company specializing in auto insurance and property and casualty insurance.

Additional services offered by American Family include commercial, health, homeowners, and life insurance.

American Family exists for the benefit of its shareholders (referred to as members) as a mutual insurance company. Its policyholders essentially own the company, and profits are returned to members as dividends.

What states is American Family insurance in? American Family is headquartered in Madison, Wisconsin, and serves customers across the United States.

Apart from American Family’s various insurance offerings, the company also provides investment and retirement-planning services.

It’s important to note that American Family Care is a separate company from American Family Insurance. The former is an urgent care practice, while American Family Insurance is a personal and business insurance company.

What is Nationwide?

Similar to American Family, Nationwide is a United States mutual insurance company, offering a full range of insurance products to members across the U.S.

More than just auto insurance, Nationwide insurance services include motorcycle, homeowners, life, farm, health, pet, and commercial insurance.

The company also provides mutual funds, annuities, Nationwide retirement plans, and specialty health services.

American Family vs. Nationwide: Which company is best for you?

As this comparison of American Family vs. Nationwide car insurance companies has shown, these insurers are very similar in their wide range of policies offered. They also rated similarly with both Consumer Ratings and A.M. Best.

So, should you buy American Family vs. Nationwide car insurance? Hopefully, this information has given you a little insight into which company might be best for your specific needs.

Now that you’ve compared Liberty Mutual vs. American Family car insurance, enter your ZIP code to compare multiple car insurance companies in your area.

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