Nationwide vs. American Family: Which offers the cheapest auto insurance rates?

Nationwide vs. American Family: Which one is the cheapest?

Nationwide costs an average of $532 per year for state minimum coverage, while American Family costs $602 annually.

For full coverage with 100/300/100 in liability and $500 deductibles for comprehensive and collision, Nationwide costs an average of $1,548 annually. American Family is more expensive, with an average cost of $1,698.

It's always smart to compare quotes because prices and required coverage can change depending on your state and individual situation.

Company	Average annual rate for full coverage	Average annual rate for state minimum coverage	Average annual premium for liability-only (50/100/50) car insurance
Nationwide	$1,548	$532	$651
American Family	$1,698	$602	$870

Nationwide vs. American Family: Rates by age group

For teens – one of the most expensive age groups to insure – American Family has the cheapest rates, coming in at $4,515 per year. Nationwide costs an average of $5,285 for a teen driver.

Age is a major factor in calculating insurance rates. Companies look at speeding and accident trends as well as distracted driving statistics. Teen drivers are one of the riskiest – and therefore most expensive – age groups to insure. Rates drop as you get older.

For example, adults pay an average of $1,533 at Nationwide, while at American Family the average rate for an adult is $1,701.

Age group	Nationwide	American Family
Teens	$5,285	$4,515
Young adults	$2,556	$2,424
Adults	$1,533	$1,701
Seniors	$1,456	$1,813

Nationwide vs. American Family: Rates for high-risk drivers

American Family has the lowest rates for high-risk drivers. A high-risk driver is someone with several speeding tickets, accidents or a serious offense like a DUI on their record. This can make it hard to get affordable car insurance.

For drivers with a DUI, American Family is more affordable, with average rates of $2,908.

Check the table below to see how Nationwide rates compare to American Family rates.

Type of violation	Nationwide	American Family
1 At-fault property damage accident over $2K	$2,537	$2,447
1 At-fault property damage accident under $2K	$2,481	$2,447
At-fault bodily injury accident	$2,673	$2,542
Careless driving	$2,203	$2,205
DUI	$3,627	$2,908
Reckless driving	$3,221	$2,805
Speeding	$2,347	$2,321

Nationwide vs. American Family: Rates in your state

Insurance rates vary by state. Companies use your ZIP code's weather, crime, and traffic data to assess risk. The table below shows where Nationwide and American Family have the lowest rates. Always compare quotes, as your price also depends on your location, driving history, and personal details.

State	Nationwide	American Family
Alabama	$1,345	N/A
Arizona	$1,726	N/A
Arkansas	$1,503	N/A
California	$2,799	N/A
Connecticut	$1,766	N/A
Delaware	$1,498	$2,709
Florida	$2,150	N/A
Idaho	$1,505	N/A
Indiana	$1,309	N/A
Kansas	$1,316	N/A
Maryland	$1,363	N/A
Minnesota	$1,363	N/A
Mississippi	$1,331	N/A
Missouri	$1,361	N/A
Montana	$1,394	N/A
Nebraska	$1,216	N/A
Nevada	N/A	$2,429
New Hampshire	$1,145	N/A
New Mexico	$1,806	N/A
North Carolina	$1,513	N/A
North Dakota	$1,152	$1,092
Oregon	$1,411	N/A
Pennsylvania	$1,196	N/A
Rhode Island	$1,911	$1,833
South Dakota	$1,526	N/A
Tennessee	$1,632	N/A
Texas	$1,502	N/A
Utah	$1,135	N/A
Vermont	$935	N/A
Washington	$1,658	$1,750
Washington, D.C.	$2,558	N/A
West Virginia	$1,215	N/A
Wisconsin	$1,287	N/A

Nationwide vs. American Family: Which offers better discounts?

Discounts are important to insurance customers and can help you save a lot on your yearly insurance costs. Below are some of the discounts Nationwide and American Family give to their customers.

Discounts	Nationwide	American Family
Payment type	9%	9%
Multi policy	7%	9%
Telematics	8%	N/A
Days advanced purchase	7%	8%
Marital status	7%	11%
Daily commute	N/A	6%
Paperless/electornic documents	4%	5%
Homeowner	5%	4%
Loyalty	4%	5%
Electronic funds transfer	3%	5%
Safety devices	3%	2%
Lower annual mileage	12%	3%
Air bags	2%	2%
Anti-theft device	1%	1%

Always remember to ask about discounts when comparing insurance options to find out what you might qualify for.

Nationwide vs. American Family: The bottom line

Both Nationwide and American Family are solid insurance companies, but if rates are what matter most to you, Nationwide may be the choice for you. However, we always recommend considering more than just rates to find the best car insurance for your needs and comparing quotes from multiple companies.

Methodology

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on: