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

Nationwide vs. American Family car insurance

Our top pick: Nationwide

  • A+ Superior rating
  • On Your Side auto repair network
  • Plenti rewards program
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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.


American Family


About the provider
About the brand Nationwide is among the nation’s top ten car insurance providers, offering the full range of service and a promise to be “on your side” with stellar service. American Family Insurance aims to gain the trust of their customers through top-notch customer service and protection.
States served
States served All states except AK, HI, LA, MA AZ, CO, GA, ID, IL, IN, IA, KS, MN, MO, NE, NV, ND, OH, OR, SD, UT, WA, WI


Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness Yes Yes
Rideshare coverage
Rideshare coverage No Yes
SR-22 insurance
SR-22 insurance Yes Yes
Claims methods
Claims methods Online
Payment schedule
Payment schedule 12 months
6 months
12 months


Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount No No
Military discount
Military discount No Yes
Multi car discount
Multi car discount No Yes
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes Yes
Safe driver discount
Safe driver discount Yes Yes, up to 10%
Special employment discount
Special employment discount No No
Student discount
Student discount Yes Yes
Usage based discount
Usage based discount Yes, 5-40% Yes
Learn more
Learn more

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 your car insurance options to find the best insurance company for you.

Compare alternatives to Nationwide and American Family

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Liberty Mutual
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Depends on provider
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
All 50 states except AK & HI
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.

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