Can't-Miss Facts

  • Both auto insurance companies are on the cheaper side in terms of the main insurers, but Nationwide is slightly cheaper than American Family
  • Both companies offer a wide array of discounts, but Nationwide insurance offers more
  • Nationwide is more well-reviewed than American Family by companies such as A.M. Best and the Better Business Bureau

Are you looking for a new insurance company? Auto insurance comparison is a complicated process, and we’re focusing on American Family vs. Nationwide auto insurance to make it easier.

If you’d like to learn more about American Family, we suggest reading our American Family review. Both reviews cover American Family Insurance and not American Care, which is an emergency clinic.

Type your ZIP code into our free tool above to find affordable auto insurance quotes in your area.

We can’t promise you’ll find quotes for Nationwide retirement rates, or Nationwide pet insurance premiums, but you’ll find the best local insurance companies in your area.

Let’s get back to Nationwide vs. American Family insurance and find out which company is best in 2021.

American Family vs. Nationwide: Which is cheaper?

When you begin comparing insurers, you probably want to start with what is most important: pricing. Let’s take a look at a table that will show the average annual premiums not just for American Family and Nationwide, but for all of the main insurers.

Average Annual Auto Insurance Rates by Company
CompanyAverage Annual Rates
State Farm$3,269.80
American Family$3,544.37
Liberty Mutual$6,058.57

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As you can see, of the 10 insurers shown, American Family is cheaper than five of its competitors: Progressive, Farmers, Travelers, Allstate, and Liberty Mutual.

Nationwide, however, is cheaper than American Family, Progressive, Farmers, Travelers, Allstate, and Liberty Mutual. American Family and Nationwide are very close in terms of price.

Nationwide auto insurance rates are about $95 cheaper than American Family annually.

So, Nationwide wins in terms of pricing, but barely. If you’d like to learn more about Nationwide, be sure to read our Nationwide company review.

American Family vs. Nationwide: Which has better discounts?

If you get anything out of this, let it be the importance of discounts. When you are speaking to your assigned insurance representative, don’t be afraid to ask about which discounts you might apply for.

If you stack up discounts, you’ll watch your premiums dissipate. Let’s take a look at a table that shows a vast amount of discounts offered by these big insurers.

Auto Insurance Discounts Available by Company
Discounts21st Century Discounts OfferedAAA Discounts OfferedAllstate Discounts OfferedAmerican Family Discounts OfferedAmeriprise Discounts OfferedAmica Discounts OfferedCountry Financial Discounts OfferedEsurance Discounts OfferedFarmers Discounts OfferedGeico Discounts OfferedLiberty Mutual Discounts OfferedMetLife Discounts OfferedNationwide Discounts OfferedProgressive Discounts Offered
Adaptive Cruise ControlNoNoNoNoNoNoNoNoNoNoYesYesYesYes
Adaptive HeadlightsNoNoNoNoNoYesYesNoYesNoYesYesYesYes
Anti-lock BrakesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Claim FreeYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Continuous CoverageYesYesYesYesNoYesYesYesYesYesNoNoNoYes
Daytime Running LightsYesYesYesYesYesNoYesYesYesYesYesYesYesYes
Defensive DriverYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Distant StudentNoYesYesYesYesYesNoNoYesYesNoNoYesYes
Driver's EdYesYesYesYesNoYesYesYesYesYesYesYesNoYes
Driving Device/AppNoYesYesYesNoYesNoYesNoYesYesYesYesYes
Early SigningYesNoYesYesNoNoYesYesYesYesNoYesYesYes
Electronic Stability ControlNoNoYesYesNoYesYesNoYesNoYesYesYesYes
Emergency DeploymentNoNoNoNoNoNoNoNoNoYesNoNoNoNo
Engaged CoupleNoNoNoNoNoNoYesNoNoNoNoNoNoNo
Family LegacyNoNoNoYesNoYesNoNoNoYesNoYesYesYes
Family PlanNoNoNoYesNoNoYesNoYesNoNoNoYesNo
Farm VehicleNoNoYesNoNoNoNoNoYesYesNoNoNoNo
Fast 5NoNoNoNoNoNoNoYesNoNoNoNoNoNo
Federal EmployeeNoNoNoNoNoNoNoNoYesYesYesYesNoNo
Forward Collision WarningNoNoNoNoNoYesYesNoNoNoYesNoNoYes
Full PaymentNoYesYesYesYesYesYesYesYesYesYesNoNoYes
Further EducationNoNoNoNoYesNoYesYesYesYesYesNoYesNo
Good CreditNoNoNoNoNoNoNoNoNoNoNoNoYesYes
Good StudentYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Green VehicleYesNoYesNoNoNoNoYesYesNoYesNoNoNo
Lane Departure WarningNoNoNoNoNoNoNoNoNoNoYesYesYesYes
Life InsuranceNoNoYesNoNoNoNoNoNoNoNoNoYesNo
Low MileageNoYesYesYesNoYesYesYesYesYesYesYesYesYes
Military GaragingNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Multiple DriversNoNoNoNoNoNoNoNoNoNoNoYesNoNo
Multiple PoliciesYesYesYesYesYesYesYesYesYesNoYesNoNoYes
Multiple VehiclesYesYesNoYesYesYesYesYesYesYesNoYesYesYes
New AddressNoNoNoNoNoNoNoNoNoNoYesNoNoNo
New Customer/New PlanNoNoNoNoNoNoNoNoNoNoYesNoNoNo
New GraduateNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Newer VehicleYesYesYesNoNoNoYesYesYesNoNoNoNoNo
Newly LicensedNoNoNoNoNoNoNoNoNoYesYesYesYesNo
Occasional OperatorNoNoNoNoNoNoNoNoNoNoNoYesYesNo
On Time PaymentsNoNoYesNoNoNoNoNoNoYesYesYesYesNo
Online ShopperNoNoNoNoNoNoNoYesNoNoYesNoNoYes
Paperless DocumentsNoNoYesYesNoYesNoNoYesNoNoYesNoYes
Paperless/Auto BillingNoNoYesYesNoYesNoYesYesNoNoNoYesYes
Passive RestraintYesYesYesYesYesYesYesYesYesYesNoYesYesYes
Recent RetireesNoNoNoNoNoNoNoNoNoYesNoNoNoNo
Roadside AssistanceNoNoNoNoYesNoNoYesNoNoNoNoNoNo
Safe DriverYesYesYesYesYesYesNoYesYesYesNoYesYesYes
Seat Belt UseNoNoNoNoNoNoNoNoNoYesNoYesNoNo
Senior DriverYesNoYesNoNoNoNoYesYesNoNoYes“NoNo
Stable ResidenceNoNoNoNoNoNoNoNoNoNoNoNoYesYes
Students & AlumniNoNoNoYesNoNoNoYesNoYesYesYesYesNo
Switching ProviderYesNoNoYesNoYesNoYesYesNoYesYesNoYes
Utility VehicleNoNoYesNoNoNoNoNoYesYesNoNoNoNo
Vehicle RecoveryYesYesYesYesYesYesNoYesYesYesYesYesYesYes
VIN EtchingNoNoNoNoNoNoNoYesYesNoYesYesYesYes
Young DriverYesNoNoNoNoNoYesNoNoNoYesNoNoYes

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Of the 67 discounts shown, American Family offers 27 and Nationwide offers 35.

What’s great about these discounts is that they’re for many different things. There are discounts for driving safely, paying your bills on time, having safety features in your vehicle, etc.

So again, while it’s close, Nationwide wins in terms of discounts.

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American Family vs. Nationwide: Which is available in more states?

When you compare car insurance companies you’re going to notice some company names pop up more frequently than others. This is because companies like American Family and Nationwide have spent years in the insurance business building a client base and expanding.

Some companies, like Allstate, are available in all 50 states. How about American Family? They operate in 17 states:

  • Arizona
  • Kansas
  • Ohio
  • Minnesota
  • Oregon
  • Idaho
  • Colorado
  • Missouri
  • South Dakota
  • Illinois
  • Nebraska
  • Utah
  • Indiana
  • Nevada
  • Wisconsin
  • Iowa
  • North Dakota

Do you live in one of these states and want American Family insurance coverage? If so, you’re in luck.

How many states does Nationwide write in? Nationwide operates in all but four states. These are Alaska, Hawaii, Louisiana, and Massachusetts.

American Family vs. Nationwide: Which has better ratings?

When you compare insurers, one last thing to look for is the company ratings from organizations such as the Better Business Bureau (BBB) and A.M. Best.

A.M. Best’s rating system is taken quite seriously by insurers because it can either make or break how much business they receive. What’s even better is the fact they have Long-Term Issuer Credit Ratings to instill confidence in regards to the companies’ futures.

A.M. Best’s rating scale ranges from A++ all the way down to D. Currently, American Family has a rating of A from A.M. Best. How did Nationwide do? A.M. Best gave Nationwide an even better rating of A+ (Superior).

In terms of Long-Term Issuer Credit Rating, Nationwide received a score of aa- (Superior), which is the second-highest rating after only AAA. American Family, however, only received a rating of A+ (Excellent) which is still great but a notch below Nationwide.

The BBB’s model is comparable but only goes up to A+. American Family currently has a rating of A and is not accredited by the BBB.

How did Nationwide do with the BBB? Nationwide did much better than American Family in terms of the BBB. Not only are they accredited, but it also has the highest rating of A+.

In short, you have two great choices here, but Nationwide is the clear winner. Before you buy auto insurance, get started with free affordable quotes from local companies by typing your ZIP code below.