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, while American Family has average rates for state minimum coverage of $602.

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

It’s always a good idea to shop around for quotes, however, because prices and coverage vary from state to state and depend on your individual situation.

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

Nationwide vs. American Family: Rates by age group

For a teen – 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 best rates for high-risk drivers. A high-risk driver is someone who has multiple speeding tickets, accidents or a serious offense like a DUI on their record. This can make it a challenge to find affordable auto insurance.

For the drivers with DUI, American Family is cheaper, with average rates of $2,908.

Take a look at the table below for Nationwide’s rates compared to American Family’s 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 from state to state. Carriers factor in data from your region and ZIP code, including weather, crime and traffic trends to calculate risk. The table below shows where you’ll find the cheapest rates for Nationwide and American Family. Remember, always shop around for multiple quotes as prices will ultimately be determined by your personal situation and driving record in addition to your location.

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

N/A represents data is not available.

Nationwide vs. American Family: Which offers better discounts?

Discounts are a big draw for customers and can offer significant savings on your annual premiums. Below are some of the discounts Nationwide and American Family offer to their customers.

Discounts	Nationwide	American Family
Payment Type	9%	9%
Multi Policy	7%	9%
Telematics	8%	N/A
Primary Use	8%	7%
Days Advanced Purchase	7%	8%
Marital Status	7%	11%
Days Per Week Driven	N/A	6%
Daily Commute	N/A	6%
Electronic Funds Transfer	3%	5%
Loyalty - Years Renewal With Company	4%	5%
Homeowner	5%	4%
Paperless/Electornic Documents	4%	5%
Years Licensed	22%	35%
Safety Devices	3%	2%
Lower Annual Mileage	12%	3%
Air Bags	2%	2%
Years Insured	15%	14%
Anti-Theft Device	1%	1%

N/A represents data is not available.

Always be sure to ask about available discounts when you’re shopping around for insurance to see what you may 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

Insurance.com commissioned car insurance rates from Quadrant Data Services for state minimum coverage and full coverage with liability limits of 100/300/100 with $500 deductibles. Base sample rates are based on a 40-year-old male driver with a clean record and good credit driving a 2023 Honda Accord LX. Rates were also fielded for multiple age groups and driver profiles compared with the base sample rate.

Company ratings were gathered from third-party sources including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). We also gathered data from the Insure.com annual survey of car insurance customers.

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