Farmers vs. Nationwide: Which provider is better for you?

Farmers vs. Nationwide: Which provider is better for you?

Farmers vs. Nationwide

Are you considering Farmers and Nationwide for auto insurance? They’re both well-known insurance companies. Farmers has been around since 1928, and Nationwide was established two years earlier.

Farmers and Nationwide earn an A- and A, respectively, from the Better Business Bureau. And both provide ways to bring the cost of your insurance down through vehicle and driver discounts. With all of these similarities, which one should you choose? Take a look at our comprehensive comparison below and you’ll find the info you need to make your decision.

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Farmers insuranceFarmersNationwideNationwide
About“Serving America since 1928,” Farmers is one of the top names in car insurance with close to 20 million policies throughout all of America. With several different types of insurance to choose from, Farmers aims to insure that customers have peace of mind with its award-winning Farmers Claim Services.Nationwide is not just an auto insurance company, it is also one of the largest financial services companies in America. Its flexible options and member resources are among a few of the reasons people have chosen Nationwide since 1926.
PricePolicy costs depend your personal situation. Visit Farmers for a quote based on your specific needs.Policy costs depend your personal situation. Visit Nationwide for a quote based on your specific needs.
States servedAll 50 states46
User satisfaction*A-A
J.D. Power ratings**3/5 on overall claims satisfaction3/5 on overall claims satisfaction
Driver discountsView driver discounts
Vehicle discountsView vehicle discounts


* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study


Driver discounts

Farmers insuranceFarmersNationwideNationwide
Good studentYes (B average or 3.0 GPA or higher)Varies (full-time student, B average or higher, 16 to 24)
Defensive driverNoYes
Good driverYesUp to 10% (no at-fault accidents and free of major violations for at least 5 years)
Pay in full discountNoNo
Multi carNo
MilitaryNoNo
HomeownerYesNo
Other discounts
  • Distant students – 23 or younger, 100+ miles away from home
  • Teen driver – Single licensed driver under 19
  • Youthful driver – Driver under 25 in the household
  • Transfer discount – Switch to Farmers with no lapse in coverage
  • Multi policy discount – Up to 20%
  • SmartRide discount – 5-40% (usage based discount using plug-in device)
  • Nationwide Family Plan – Up to 25%
  • Easy-Pay sign-up discount
  • Affinity car insurance discounts – For members of partner business or organization
  • Paperless documents discount – Varies

Vehicle discounts

Farmers insuranceFarmersNationwideNationwide
Anti-theft deviceYesVaries (factory-installed deterrents)
Anti-lock brakeYesNo
Passive restraintsYesN/A
Air bagYesNo
Other discounts
  • Alternative fuel – Vehicle is fueled by new alternative resources like electric / gasoline hybrid, electric, ethanol, methanol

Bottom line

Farmers beats Nationwide in the total amount of discounts it provides, but if those discounts don’t apply to you, there’s no real benefit. Keep your personal situation in mind when deciding, and you’ll make the right choice.

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Enter your ZIP code below and click Compare Now to start comparing and finding the best rate near you.

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