American Family vs. Nationwide: Pros & Cons (2021)

In this article, we will compare American Family vs Nationwide auto insurance. Both companies offer competitive pricing, but on average, Nationwide insurance offers better rates. Both American Family insurance and Nationwide insurance offer many discounts to drivers. A.M. Best rates Nationwide A+ and American Family A. Both companies are strong options. Compare quotes today to learn which auto insurance company covers your needs best.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 18, 2021

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What You Should Know

  • Nationwide offers more competitive annual auto insurance rates than American Life
  • Nationwide has better ratings from A.M. Best and the Better Business Bureau (BBB) than American Family
  • Both American Family insurance and Nationwide insurance offer a wide variety of discounts to drivers

Searching for the right auto insurance company can feel overwhelming. Cost is a huge factor to consider. Rates can vary by many factors including age, geographic location, and driving record. We’ll compare American Family vs Nationwide auto insurance companies to help you with your decision.

Understanding auto insurance and how to find the best rates is important. American Family and Nationwide both offer affordable auto insurance, and both are well rated by A.M. Best. We’ll examine the two companies to see how they match up.

Before we explore more about buying American Family vs Nationwide auto insurance, type your ZIP code into our free and helpful tool above to find affordable auto insurance quotes in your area.

Whose rates are better – American Family vs Nationwide?

This table compares average annual rates across the U.S. for 10 of the biggest auto insurers. If you look at American Family vs Nationwide auto insurance rates, Nationwide insurance is less expensive than American Family insurance and five other large auto insurance companies on this chart.

Average Annual Auto Insurance Rates by Company

CompanyAverage Annual Auto Insurance Rates
Allstate$4,533
American Family$3,699
Farmers$3,910
GEICO$3,074
Liberty Mutual$5,296
Nationwide$3,187
Progressive$3,935
State Farm$2,731
Travelers$3,729
USAA$2,489
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Digging in a bit deeper helps you to understand why average quoted rates may differ from what you might pay. Are you a high-risk driver who has had many tickets or accidents? Do you have a DUI? Do you have great credit? All of these factors and more will determine how much you will pay.

Finding auto insurance quotes online is the best way to quickly narrow down which companies are right for you.

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What discounts are available with American Family vs Nationwide?

Most big auto insurance companies offer many discounts to their customers that cover everything from vehicle safety features to being a member of the military. Be sure to ask about discounts when pricing out policies.

This table shows the discounts possible with American Family vs Nationwide.

Discounts OfferedAmerican Family Nationwide
Advanced PurchaseX
Air BagsX
Anti-Theft DevicesX
Defensive DriverXX
Forward Collision
Warning
X
Good DriverXX
Good StudentXX
Membership GroupX
Multiple PoliciesXX
Multiple VehiclesX
OccupationX
Student Away
at School
X
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Both American Family and Nationwide offer discounts for good students, multiple policies, good drivers, and defensive drivers. Both American Family and Nationwide offer discounts, though in different categories.

Be sure to ask an agent how many discounts you might qualify for when purchasing an affordable auto insurance policy.

American Family vs Nationwide: who does better in third-party ratings?

Several organizations rate auto insurance companies by their financial strength and customer satisfaction. They include the Better Business Bureau (BBB), A.M. Best, and J.D. Power.

Organization NameAmerican FamilyNationwide
Better Business Bureau
(BBB)
AA+
A.M. BestAA+
J.D. Power4 out of 5 stars4 out of 5 stars
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The BBB rates American Family an A, while Nationwide receives an A+,  for the number of customer complaints and how they are resolved.

A.M. Best rates American Family an A (Excellent), while they rate Nationwide an A+ (Superior) in financial strength and how financially sound they are to pay out claims.

J.D. Power rates both American Family and Nationwide 4 out of 5 stars on customer satisfaction for the way they handle claims. J.D. Power scores companies from 2 to 5 stars on customer satisfaction.

Pros and Cons of American Family vs Nationwide

Comparing American Family vs Nationwide auto insurance, Nationwide insurance ranks better on rates, financial stability, and how they resolve customer complaints. American Family gets great ratings by J.D. Power and A.M. Best.

What other pros and cons are there for each auto insurance company?

American Family Pros

  • 24/7 claim support
  • American Family MyAmFam app is a handy way to manage your account on your mobile phone
  • KnowYourDrive technology analyzes driving habits, enabling you to earn a discount of up to 20%

American Family Cons

  • Only available in 19 U.S. states

Nationwide Pros

  • Offer up to 20% off when you bundle home, auto, life, and other policies
  • Offer On Your Side Auto Repair Network which guarantees the workmanship on auto repairs.
  • Big discounts for safe drivers, good students, and military service members

Nationwide Cons

  • Accident forgiveness is not available in every state. Nationwide will only forgive one accident per policy.

Now that you know more about American Family vs Nationwide auto insurance, be sure to type your ZIP code into our free and helpful tool below to find affordable auto insurance quotes in your area.

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Frequently Asked Questions

1. Is American Family Care part of American Family?

American Family Care is a separate company that focuses on urgent care, Family Care, and primary medical care facilities.

2. Does Nationwide offer pet insurance?

Nationwide pet insurance is offered through Nationwide agents.

3. Does Nationwide insurance offer retirement plans?

Nationwide retirement plans are available to help people in all phases of their lives plan financially towards their retirement.

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