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

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.

	Read review	Read review
OVERVIEW			OVERVIEW
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
COVERAGE			COVERAGE
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 Phone	online phone
Payment schedule
Payment schedule	12 months 6 months Monthly	12 months monthly custom
DISCOUNTS			DISCOUNTS
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	Read review	Read review

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.

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