American Family vs. Nationwide Auto Insurance (2021)

American Family vs. Nationwide auto insurance quotes vary based on age, driving record, and credit score, so which company is cheaper depends on your situation. Nationwide rates are cheaper for teens and those with a low credit score, but American Family rates are cheaper for those 25 and older. Nationwide and American Family ratings are both strong with A.M. Best.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 28, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • American Family and Nationwide have excellent customer satisfaction and a strong financial future
  • American Family has a higher customer complaint ratio
  • Nationwide insurance rates for teen drivers are 10% cheaper
  • American Family insurance rates for those 25 and older are 10% cheaper
  • Nationwide has better rates for drivers with a low credit score and offers more discounts than American Family

Is American Family good insurance? What about Nationwide? Both American Family, also known as AmFam, and Nationwide are good choices based on financial strength, but if you have a teen driver, you should keep reading.

In this guide, we’ll compare American Family vs. Nationwide auto insurance companies. Both are on the list of the best auto insurance companies, but how do they stack up when it comes to rates, discounts, consumer satisfaction, complaints, mobile apps, and financial strength?

This review discusses Nationwide Insurance and American Family Insurance, not American Family Care, which is an urgent care facility.

Before jumping into this American Family vs. Nationwide auto insurance review, enter your ZIP code to start comparing multiple companies in your area.

Is American Family auto insurance or Nationwide auto insurance cheaper based on age?

The more we drive in a variety of situations, the safer and more aware we become behind the wheel. For this reason, auto insurance companies use age as one of the most influential factors in quoting auto insurance rates.

Let’s compare affordable American Family vs. Nationwide auto insurance rates based on age, gender, and marital status.

American Family vs. Nationwide Average Annual Auto Insurance Rates by Age
DemographicAmerican Family Average Annual RatesNationwide Average Annual Rates
Single 17-year-old female$5,997$5,756
Single 17-year-old male$8,131$7,175
Single 25-year-old female$2,289$2,686
Single 25-year-old male$2,695$2,889
Married 35-year-old female$2,203$2,360
Married 35-year-old male$2,224$2,387
Married 60-year-old female$1,993$2,130
Married 60-year-old male$2,014$2,215
Get Your Rates Quote Now

Compare RatesStart Now →

Overall, Nationwide auto insurance rates for teen drivers are about 10% cheaper than American Family rates. On the other hand, American Family has rates for drivers 25 and older that are 10% cheaper than Nationwide’s.

It may seem like 10% is not that much of a difference, but it can be once you stack some additional discounts onto it. Without considering possible discounts, Nationwide is a good option if you have a young driver in your household.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Is American Family auto insurance or Nationwide auto insurance cheaper based on driving record?

Speeding tickets, accidents, or DUIs on your driving record will raise your auto insurance rates no matter what company you pick because these infractions make you look like a high-risk driver.

American Family vs. Nationwide Average Annual Auto Insurance Rates by Driving Record
InfractionAmerican Family Average Annual RatesNationwide Average Annual Rates
Clean record$2,694$2,746
With one speeding violation$3,026$3,114
With one accident$3,723$3,397
With one DUI$4,330$4,543
Get Your Rates Quote Now

Compare RatesStart Now →

Nationwide has slightly higher rates than American Family when it comes to having a bad driving record. Both companies also show about the same percentage increase from a clean driving record to each type of infraction.

Compared to a driver with a clean record, both American Family rates and Nationwide rates increase by 12%-65% if you get a speeding ticket, have an accident, or get a DUI.

Is American Family auto insurance or Nationwide auto insurance cheaper based on credit score?

If you experience some type of financial trauma, such as incurring medical debt or going through a divorce, your good credit score can drop in a matter of months.

In most states, it’s legal for auto insurance companies to factor in your credit score when determining your rates; however, some are banning this practice along with factoring in gender and marital status.

Auto insurance companies justify using your credit score to determine your rates based on the assumption that those with higher credit scores are more responsible and less likely to file a claim.

Let’s take a look at how American Family and Nationwide set rates for drivers with varying credit scores.

American Family vs. Nationwide Average Annual Auto Insurance Rates by Credit Score
Credit HistoryAmerican Family Average Annual RatesNationwide Average Annual Rates
Good Credit (670-739)$2,692$2,926
Fair Credit Score (580-669)$3,170$3,255
Poor Credit Score (300-579)$4,468$4,083
Get Your Rates Quote Now

Compare RatesStart Now →

American Family auto insurance rates are cheaper than Nationwide rates for drivers with good or fair credit. However, Nationwide is more lenient than American Family when it comes to drivers with a low credit score.

If you have a bad credit history, Nationwide is a better choice than American Family.

Before you choose American Family or Nationwide, read about auto insurance laws in your state and examine rates from a variety of companies.

It may be that basing auto insurance rates on gender, marital status, and/or credit score has been outlawed in your state.

Does American Family or Nationwide have better auto insurance discounts?

Auto insurance discounts vary widely, and they are typically focused on the principles and ideology of a company. That’s why, particularly if you have a poor driving record or a low credit score, it pays to shop around. Discounts can help counter high costs.

Unfortunately, our source includes only three American Family auto insurance discounts: the defensive driver discount, the discount for having airbags, and the discount for using the company’s driving device or app.

American Family vs. Nationwide Auto Insurance Discounts
DiscountsAmerican FamilyNationwide
Adaptive Cruise Controln/an/a
Adaptive Headlightsn/an/a
Anti-lock Brakesyes5
Anti-Theftyes25
Claim Freeyes10
Continuous Coverageyesn/a
Daytime Running Lightsn/a5
Defensive Driver105
Distant Studentn/a10
Driver's Edn/an/a
Driving Device/App4040
Early Signingn/a8
Electronic Stability Controln/an/a
Emergency Deploymentyesn/a
Engaged Coupleyesn/a
Family Legacyyesn/a
Family Planyes25
Farm Vehicleyesn/a
Fast 5yesn/a
Federal Employeeyesn/a
Forward Collision Warningn/an/a
Full Paymentn/an/a
Further Educationyes15
Garaging/Storingyesn/a
Good Creditn/an/a
Good Studentn/a10
Green Vehiclen/an/a
Homeowneryes5
Lane Departure Warningn/an/a
Life Insurancen/an/a
Low Mileagen/an/a
Loyaltyyes5
Marriedn/an/a
Membership/Groupn/a7
Militaryyesn/a
Military Garagingyesn/a
Multiple Driversn/an/a
Multiple Policiesn/a10
Multiple Vehiclesn/a20
New Addressn/an/a
New Customer/New Plann/an/a
New Graduateyesn/a
Newer Vehicleyesn/a
Newly Licensedn/an/a
Newlywedsn/an/a
Non-Smoker/Non-Drinkern/an/a
Occasional Operatorn/an/a
Occupationn/a15
On Time Paymentsn/an/a
Online Shoppern/an/a
Paperless Documentsn/a5
Paperless/Auto Billingn/a$30
Passive Restraint3020
Recent Retireesyesn/a
Renteryesn/a
Roadside Assistanceyesn/a
Safe Drivern/a35
Seat Belt Usen/an/a
Senior Drivern/an/a
Stable Residenceyesn/a
Students & Alumnin/a7
Switching Providern/an/a
Utility Vehiclen/an/a
Vehicle Recoveryyes25
VIN Etchingyesn/a
Volunteeryesn/a
Young Drivern/an/a
Get Your Rates Quote Now

Compare RatesStart Now →

American Family and Nationwide both offer 40% off for using their driving app or driving device.

If you don’t wish to use a driving app, you can still save 25%-40% with Nationwide if you have an anti-theft system, vehicle recovery system, have a good driving record, or if you put everyone in your household on the same policy.

The discounts provided by auto insurance companies also target particular categories of drivers, so be sure to ask if there are any extra discounts by calling American Family or Nationwide customer service at the American Family or Nationwide phone number.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Does American Family or Nationwide have better auto insurance mobile apps?

Usage-based auto insurance has become a hot trend in the auto insurance industry in the last decade or so, and all of the larger auto insurance companies have a driving app that uses your mobile phone or a device installed into your vehicle.

A more general app is also offered by major auto insurance providers to allow you to access your policy, make adjustments, and pay your bill. Usually, in both the general app and the driving app, your American Family login or Nationwide insurance login would be the same.

You can even access American Family or Nationwide roadside assistance through the companies’ apps.

How do American Family and Nationwide auto insurance compare in financial strength and customer satisfaction?

Purchasing auto insurance is an important financial responsibility, so you want to make sure you’re selecting the appropriate company that will be there for you when you need it most.

Before you buy auto insurance, examine the company’s financial strength, customer satisfaction with the claims process, and customer complaints.

The following three agencies provide insight into these factors:

A.M. Best scores companies based on their ability to meet ongoing insurance obligations, such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.

Consumer Reports collects annual data from its subscribers regarding customer satisfaction of the claims process, step by step. And the National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers vs. the total number of complaints.

American Family vs. Nationwide Company Ratings
Rating AgencyAmerican FamilyNationwide
AM Best RatingAA+
Consumer Reports8988
NAIC Company Complaint Ratio0.790.28
NAIC Total Complaints7325
Get Your Rates Quote Now

Compare RatesStart Now →

Both companies have a solid financial future. Additionally, both American Family and Nationwide are highly rated when it comes to customer satisfaction with the claims process.

American Family has a larger customer complaint ratio, meaning it receives more complaints than Nationwide, but it still receives fewer complaints than many competitors.

In what states is American Family insurance available? The best way to find out if this insurance is available near you is to use our quote tool below.

Before you buy American Family vs. Nationwide auto insurance, enter your ZIP code to start comparing multiple auto insurance companies in your area.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption