Nationwide vs. American Family: Which provider is right for you?

Nationwide vs. American Family: Which provider is right for you?

Nationwide vs. American Family

Having a hard time deciding between getting car insurance through Nationwide or American Family?

It can be frustrating trying to choose, as most providers offer similar discounts and similar rates. For example, both Nationwide and American Family offer a defensive driver discount. And both companies do well in the customer satisfaction department. So how is one to choose?

We’ve lined up the two companies side by side in a comprehensive comparison so you can get the facts you need to make the best decision for your personal situation.

NationwideNationwideAmerican FamilyAmerican Family
AboutNationwide 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.For 90 years, American Family has worked hard to give quality rates and services. In addition to auto insurance, it offers home, life, business, and farm and ranch insurance with a strong commitment to protect its customers.
PricePolicy costs depend your personal situation. Visit Nationwide for a quote based on your specific needs.Policy costs depend your personal situation. Visit American Family for a quote based on your specific needs.
States served4619
User satisfaction*AB+
J.D. Power ratings**3/5 on overall claims satisfaction4/5 on overall claims satisfaction
Driver discountsView driver discounts
Vehicle discountsView vehicle discounts

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


Driver discounts

NationwideNationwideAmerican FamilyAmerican Family
Good studentVaries (full-time student, B average or higher, 16 to 24)Varies. Teen Safe Driver Discount + Generational Discount (18-24 with a parent who is an American Family customer)
Defensive driverYes5-10% (55+, completed defensive driving course)
Good driverUp to 10% (no at-fault accidents and free of major violations for at least 5 years)Yes
Pay in full discountNoNo
Multi carNoYes
MilitaryNoNo
HomeownerNoNo
Other discounts
  • 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
  • Loyalty discount Early-bird discount
  • Steer into Savings discount
  • Low mileage discount – Drive less than 7,500 miles per year
  • Teen Safe Driver discount – Enroll teen in free program
  • Young volunteer discount – Under 25, 40+ hours per year volunteering for non-profit
  • Generational discount – 18-24 with a parent who is an American Family customer
  • KnowYourDrive discount – Up to 40% on your car insurance (based on evaluation during KnowYourDrive periods)

Vehicle discounts

NationwideNationwideAmerican FamilyAmerican Family
Anti-theft deviceVaries (factory-installed deterrents)No
Anti-lock brakeNoNo
Passive restraintsN/ANo
Air bagNoYes
Other discounts

 

  • Auto safety equipment – 10-30%

Bottom line

Both companies have been in the insurance industry for a long time and have solid reputations. When comparing discounts, remember to keep your personal situation in mind. The company that offers the most discounts won’t necessarily be the best choice for you. It’s the one that has the most discounts that apply to you that will provide the most cost savings.

Also keep in mind that American Family only provides insurance in 19 states. If you don’t live in one of those states, it’s not even an option for you.

Compare all car insurance companies at once

Compare 7+ car insurance companies. Enter your zip code below and click ‘Compare Now’ to begin.

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