American Family vs. Nationwide Car Insurance (2021)

If you're comparing insurers, there are several factors to analyze. Start with their pricing structures. In terms of American Family vs. Nationwide, Nationwide tends to be far cheaper. Furthermore, while both companies are well-reviewed, Nationwide has higher ratings. If you are planning to buy auto insurance from these or any other company, compare quotes to get the best auto insurance rates.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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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 insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jan 20, 2021

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The Highlights

  • You can find special car insurance discount programs from both American Family and Nationwide.
  • American Family offers cheaper prices than almost half of the states’ averages.
  • Nationwide tends to be cheaper than American Family.

If you’re here, you’re probably trying to decide between American Family and Nationwide as your insurer. If that’s the case, and you are trying to find your next insurance provider, you’re in the right place; we’ll be covering American Family vs. Nationwide.

If you’re looking to get more information about Nationwide, you would be well off reading our Nationwide review.

For now, feel free to type your ZIP code into our free and helpful tool above to find affordable auto insurance rates from insurers in your area. You will most likely be able to find rates from Nationwide and American Family. Which auto insurance company is for you? Find out now.

What can American Family Insurance do for you?

When you go about comparing insurers, where should you start? With their prices! Take a look at the following table to see if American Family Insurance’s prices are cheap in your state.

American Family Average Annual Car Insurance Rates Compared to State Average
StateAmerican Family Average Annual RatesState Average Annual RatesHigher/Lower ($) Than State Average Annual RatesHigher/Lower (%) Than State Average Annual Rates
Alaska$4,153.07$3,421.51$731.5517.61%
Colorado$3,733.02$3,876.39-$143.37-3.84%
Iowa$3,021.81$2,981.28$40.531.34%
Idaho$3,728.79$2,979.09$749.7020.11%
Illinois$3,815.31$3,305.48$509.8213.36%
Indiana$3,679.68$3,414.97$264.717.19%
Kansas$2,146.40$3,279.62-$1,133.22-52.80%
Minnesota$3,521.29$4,403.25-$881.97-25.05%
Missouri$3,286.90$3,328.93-$42.03-1.28%
North Dakota$3,812.40$4,165.84-$353.44-9.27%
Nebraska$2,215.13$3,283.68-$1,068.55-48.24%
Nevada$5,441.18$4,861.70$579.4810.65%
Ohio$1,515.17$2,709.71-$1,194.54-78.84%
Oregon$3,527.28$3,467.77$59.511.69%
South Dakota$4,047.47$3,982.27$65.201.61%
Texas$4,848.72$4,043.28$805.4416.61%
Utah$3,698.77$3,611.89$86.882.35%
Washington$3,713.02$3,059.32$653.7017.61%
Wisconsin$1,513.27$3,606.06-$2,092.80-138.30%
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As you can see, American Family is cheaper than the average of almost half of the states shown. In some cases, their prices are significantly cheaper. Just take a look at Wisconsin, where American Family is a massive 138% cheaper than the state average.

No matter which insurer you end up going with, research what standard car insurance discounts they offer. One such discount from American Family is their Dreams Restored Program. This program finds the cheapest and most highly rated auto body shops in your area should the need arise.

A third way to find out if an insurer is the one for you is to analyze their ratings. Let’s take a look at the ratings for American Family Insurance.

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How is American Family Insurance rated?

The two biggest companies for company ratings are the Better Business Bureau and A.M. Best. Let’s take a look at a table showing their ratings for American Family Insurance.

American Family Car Insurance Company Ratings
Ratings AgencyAmerican Family Ratings
A.M. BestA
Better Business BureauA
Moody'sN/A
S&PN/A
NAIC Complaint Index0.69
JD PowerClaims Satisfaction 3/5
Shopping Study 4/5
Consumer Reports89
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As you can see, A.M. Best and the Better Business Bureau gave American Family Insurance a sterling A rating. Should you be considering American Family, this is good to know and should prove comforting.

Let’s get back to pricing. There are more comparisons to make than just with the state average. Let’s look at pricing by coverage type. It stands to reason that the more you’re on the road, the more substantial the risk of a collision.

If you’re going to be on the road a lot, you’ll need a higher level of coverage. Let’s take a look at a table that shows the pricing structure for American Family’s three coverage levels.

American Family Average Annual Car Insurance Rates By Coverage Level
Coverage LevelAmerican Family Average Annual Rates
Low$3,368.49
Medium$3,544.37
High$3,416.40
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Now that we’ve analyzed American Family Insurance, let’s see how Nationwide measures up. If you need more information on American Family, feel free to read our American Family Insurance review.

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What can Nationwide Insurance do for you?

Remember how we started our analysis of American Family with their pricing structure? Let’s do the same with Nationwide.

State By State Average Annual Car Insurance Rates Comparison for Top 10 Companies
StateAllstate Average Annual RatesAmerican Family Average Annual RatesFarmers Average Annual RatesGeico Average Annual RatesLiberty Mutual Average Annual RatesNationwide Average Annual RatesProgressive Average Annual RatesState Farm Average Annual RatesTravelers Average Annual RatesUSAA Average Annual Rates
Alaska$3,145.31$4,153.07$2,879.96$5,295.55$3,062.85$2,228.12$2,454.21
Alabama$3,311.52$4,185.80$2,866.60$4,005.48$2,662.66$4,450.52$4,798.15$3,697.80$2,124.09
Arkansas$5,150.03$4,257.87$3,484.63$3,861.79$5,312.09$2,789.03$5,973.33$2,171.06
Arizona$4,904.10$5,000.08$2,264.71$3,496.08$3,577.50$4,756.25$3,084.74$3,084.29
California$4,532.96$4,998.78$2,885.65$3,034.42$4,653.19$2,849.67$4,202.28$3,349.54$2,693.87
Colorado$5,537.17$3,733.02$5,290.24$3,091.69$2,797.74$3,739.47$4,231.92$3,270.77$3,338.87
Connecticut$5,831.60$3,073.66$7,282.87$3,672.34$4,920.35$2,976.24$6,004.29$3,190.00
District of Columbia$6,468.92$3,692.81$4,848.98$4,970.26$4,074.05$2,580.44
Delaware$6,316.06$3,727.29$18,360.02$4,330.21$4,181.83$4,466.85$4,182.36$2,325.98
Florida$7,440.46$3,783.63$5,368.15$4,339.60$5,583.30$3,397.67$2,850.41
Georgia$4,210.70$2,977.20$10,053.44$6,484.90$4,499.22$3,384.88$3,157.46
Hawaii$2,173.49$4,763.82$3,358.86$3,189.55$2,551.83$2,177.93$1,040.28$1,189.35
Iowa$2,965.86$3,021.81$2,435.72$2,296.16$4,415.28$2,735.44$2,395.50$2,224.51$5,429.38$1,852.57
Idaho$4,088.76$3,728.79$3,168.28$2,770.68$2,301.51$3,032.19$1,867.96$3,226.29$1,877.61
Illinois$5,204.41$3,815.31$4,605.20$2,779.16$2,277.65$2,711.81$3,536.65$2,344.88$2,499.76$2,770.21
Indiana$3,978.81$3,679.68$3,437.55$2,261.07$5,781.35$3,898.00$2,408.94$3,393.75$1,630.86
Kansas$4,010.23$2,146.40$3,703.77$3,220.65$4,784.42$2,475.59$4,144.38$2,720.00$4,341.43$2,382.61
Kentucky$7,143.92$4,633.59$5,930.97$5,503.23$5,547.63$3,354.32$6,551.68$2,897.89
Louisiana$5,998.79$6,154.60$7,471.10$4,579.12$4,353.12
Maine$3,675.59$2,770.15$2,823.05$4,331.39$3,643.59$2,198.68$2,252.97$1,930.79
Maryland$5,233.17$3,832.63$9,297.55$2,915.69$4,094.86$3,960.87$2,744.14
Massachusetts$2,708.53$1,510.17$4,339.35$3,835.11$1,361.86$3,537.94$1,458.99
Michigan$22,902.59$8,503.60$6,430.11$20,000.04$6,327.38$5,364.55$12,565.52$8,773.97$3,620.00
Minnesota$4,532.01$3,521.29$3,137.45$3,498.54$13,563.61$2,926.49$2,066.99$2,861.60
Missouri$4,096.15$3,286.90$4,312.19$2,885.33$4,518.67$2,265.35$3,419.14$2,692.91$2,525.78
Mississippi$4,942.11$4,087.21$4,455.94$2,756.53$4,308.85$2,980.48$3,729.32$2,056.13
Montana$4,672.10$3,907.55$3,602.35$1,326.11$3,478.26$4,330.76$2,417.74$2,031.89
North Carolina$7,190.43$2,936.69$2,182.71$2,848.03$2,382.61$3,078.65$3,132.66
North Dakota$4,669.31$3,812.40$3,092.49$2,668.24$12,852.83$2,560.35$3,623.06$2,560.53$2,006.80
Nebraska$3,198.83$2,215.13$3,997.29$3,837.49$6,241.52$2,603.94$3,758.01$2,438.71$2,330.78
New Hampshire$2,725.01$1,615.02$8,444.41$2,491.10$2,694.45$2,185.46$1,906.96
New Jersey$5,713.58$7,617.00$2,754.94$6,766.62$3,972.72$7,527.16$4,254.49
New Mexico$4,200.65$4,315.53$4,458.30$3,514.38$3,119.18$2,340.66$2,296.77
Nevada$5,371.62$5,441.18$5,595.56$3,662.09$6,201.55$3,477.14$4,062.57$5,796.34$5,360.41$3,069.07
New York$4,740.97$2,428.24$6,540.73$4,012.93$3,771.15$4,484.58$4,578.79$3,761.69
Ohio$3,197.22$1,515.17$3,423.01$1,867.19$4,429.74$3,300.89$3,436.96$2,507.88$3,135.16$1,478.46
Oklahoma$3,718.62$4,142.40$3,437.34$6,874.62$4,832.35$2,816.80$3,174.15
Oregon$4,765.95$3,527.28$3,753.52$3,220.12$4,334.55$3,176.83$3,629.13$2,731.48$2,892.19$2,587.15
Pennsylvania$3,984.12$2,605.22$6,055.20$2,800.37$4,451.00$2,744.23$7,842.47$1,793.37
Rhode Island$4,959.45$5,602.63$6,184.12$4,409.63$5,231.09$2,406.51$6,909.45$4,323.98
South Carolina$3,903.43$4,691.85$3,178.01$3,625.49$4,573.08$3,071.34$3,424.77
South Dakota$4,723.72$4,047.47$3,768.80$2,940.29$7,515.99$2,737.66$3,752.81$2,306.23
Tennessee$4,828.85$3,430.07$3,283.42$6,206.69$3,424.96$3,656.91$2,639.30$2,738.52$2,739.28
Texas$5,485.44$4,848.72$3,263.28$3,867.55$4,664.69$2,879.94$2,487.89
Utah$3,566.42$3,698.77$3,907.99$2,965.57$4,327.76$2,986.57$3,830.10$4,645.83$2,491.10
Virginia$3,386.80$2,061.53$2,073.00$2,498.58$2,268.95$1,858.38
Vermont$3,190.38$2,195.71$3,621.08$2,128.21$5,217.14$4,382.84$1,903.55
Washington$3,540.52$3,713.02$2,962.00$2,568.65$3,994.73$2,129.84$3,209.52$2,499.78$2,262.16
West Virginia$3,820.68$2,120.80$2,924.39$2,126.32$1,984.62
Wisconsin$4,854.41$1,513.27$3,777.49$3,926.20$6,758.85$5,224.99$3,128.91$2,387.53$2,975.74
Wyoming$4,373.93$3,069.35$3,496.56$1,989.36$3,187.20$4,401.17$2,303.55$2,779.53

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As you can see, with the exception of a handful of states such as Ohio and Wisconsin, Nationwide is cheaper than American Family across the board. In many states, the disparity is substantial.

Now that we’ve seen that Nationwide beats American Family in terms of pricing for the most part, let’s take a look at their ratings.

Nationwide Ratings
Ratings AgencyRatings
A.M. BestA+
Better Business BureauA+
Moody'sA1
S&PA+
NAIC Complaint Index0.44
JD PowerClaims Satisfaction 3/5
Shopping Study 2/5
Consumer Reports88
Consumer Affairs2/5
85 reviews
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As you can see, both A.M. Best and the Better Business Bureau gave Nationwide a perfect A+ rating. Yet again, Nationwide beats out American Family.

To wrap up, we want to stress the importance of comparison shopping. Never take the first insurer who shows you their rates. Furthermore, don’t just find the cheapest insurer. Find the cheapest, most reputable, most highly-rated insurer.

Lastly, keep an eye out for discounts. Inform the insurance agent about your needs and inquire as to whether or not they have discounts to suit your needs.

In the meanwhile, type your ZIP code into our helpful and free tool below to find auto insurance quotes from insurers in your area.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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