Why you should trust Insurance.com
Insurance.com is dedicated to informing, educating, and empowering you to make confident insurance decisions. Our content is carefully reviewed by insurance experts, and we rely on a data-driven approach to create unbiased, accurate insurance recommendations. Insurance.com maintains editorial integrity through strict independence from insurance companies.

Nationwide and American Family are two of the popular insurance companies in the U.S. Both the insurers have a lot to offer, making it difficult for you to choose between them. However, Nationwide offers the lowest insurance rates compared to American Family.

To make insurance shopping easy for you we have gathered quotes from both the insurance companies as well as analyzed the carriers based on several rating factors. Find the right insurance policy for you today.

Key takeaways

  • The state minimum coverage offered by Nationwide costs $535 per year, and American Family offers state minimum coverage for $631 annually.
  • For customer service, American Family and Nationwide earned 3.5 stars out of 5.
  • Both American Family and Nationwide offer coverage options such as - mobile app, usage-based telematics, new car replacement, and accident forgiveness.
  • Multi-vehicle, multi-policy, and safe driver are a few discounts American Family and Nationwide offer.

Nationwide vs American Family: Which one is the cheapest?

If price is what’s most important, Nationwide is likely going to be the better choice. Nationwide usually offers lower rates than American Family. Nationwide offers full coverage insurance for an average of $1,252 per year and American Family provides full coverage for $1,496 annually.

The cost of state minimum coverage from Nationwide is $535 per year and American Family offers state minimum coverage for $631 annually. However, it’s still a good idea to get quotes from both companies though to see what’s better for your specific situation.

CompanyAverage annual rate for full coverageAverage annual rate for state minimum coverage
American Family$1,496$631

Nationwide vs American Family: Rates by age group

Nationwide has the cheapest insurance rates for most age groups. Insurance companies have different rates depending on your age. They use it as an indicator to determine how much risk a drive poses and then price policies accordingly.

Car insurance rates are higher for teenagers as they are considered high risk by insurers. Teens should consider buying insurance from American Family, as its rates are lower than Nationwide. Nationwide offers insurance for teenagers at an average of $3,911 per year, whereas American Family provides insurance to teen drivers for $3,611 annually.

Age (group)NationwideAmerican Family
Young adults$1,720$1,872

Nationwide vs American Family: Rates for high-risk drivers

In our study we found that American Family is an affordable insurer for most drivers than Nationwide. American Family is the cheapest for drivers with a DUI/DWI first offense. Its average annual rate is $2,398 and Nationwide's rates after a DUI/DWI offense is $2,609 per year.

When it comes to finding affordable rates for high-risk drivers, Nationwide and American Family are two of the best options out there. Although both companies are viable options for high-risk drivers, one may be a better fit for your specific needs. By examining the rates mentioned in the table below, you can make an informed decision about which insurer offers the best rates for your specific situation.

Profile Value (group)NationwideAmerican Family
1 At-fault property damage accident over $2K$1,931$1,879
1 At-fault property damage accident under $2K$1,823$1,879
At-fault bodily injury accident$1,979$1,928
Careless driving$1,738$2,118
DUI/DWI first offense$2,609$2,398
Reckless driving$2,524$2,630

Nationwide vs American Family: Customer service and tech friendly

For customer service, Nationwide earned 3.5 stars out of 5, while American Family earned 3.5 stars.

Which insurance company provides a better online experience? Both Nationwide and American Family offer online quotes comparison. Apart from that, they have easy to use mobile apps that allow you to pay bills, view your profile and file insurance claims.

Nationwide vs American Family: Which has better coverage options?

Every state has different requirements for car insurance, this is because the laws surrounding driving vary from place to place. However, each insurer offers standard coverage such as liability, comprehensive and collision coverage to make sure you're protected if anything goes wrong.

Both Nationwide and American Family have a wide range of coverage options. Below table shows the different coverages offered by Nationwide and American Family:

Nationwide vs American Family: Which offers better discounts?

Insurance companies offer a variety of discounts to help you save money on your car insurance. While they may not seem like much, these dollar amounts add up to trim your insurance costs. Check out what discount options Nationwide and American Family offer to policyholders, and which carrier fits your needs.

Helpful Auto Insurance Articles & Guides