Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 6, 2021

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Just What's Essential

  • American Family and Nationwide car insurance both offer competitive rates
  • Both American Family and Nationwide offer a variety of insurance products to fit your needs
  • American Family and Nationwide car insurance discounts can make your rates much more affordable

When you’re debating between American Family vs. Nationwide car insurance, you might ask yourself, “Is American Family insurance good?” or, “How much is Nationwide car insurance?” We’ll answer these questions and more to help you find the right car insurance company.

You can look over a full Nationwide car insurance review to gain some valuable information. However, comparing two companies can help you figure out what you do and don’t want in an insurer.

Both of these top-rated companies have a lot to offer by way of discounts and insurance products. However, depending on your situation, your rates for each company may vary drastically.

Read on for the details on how affordable American Family vs. Nationwide car insurance might be for you. You can also see rates from top-rated companies near you by entering your ZIP code here.

Does American Family or Nationwide offer better rates?

Your American Family Insurance auto quote may be quite different than your quote from Nationwide. This is because each company determines how risky it is to insure you using a slightly different process. After figuring out the risk they are taking, they set your rates.

There are several factors that help insurance companies determine risk level. They include:

  • Age
  • Annual mileage
  • Driving record
  • Education
  • Credit history
  • Claims history

Keep in mind that the rate you are quoted does not always include discounts. Discounts can help lower your monthly cost significantly. So, figuring out which company offers better rates will depend, because rates are personalized.

American Family vs. Nationwide Car Insurance Rates by Age

Because your age will play a fairly major role in your car insurance rates, we thought it was important to give you a breakdown of the average rates by age from these two companies. 

Young drivers are less experienced and more likely to be involved in an accident. This is why they pay considerably more than older drivers.

Here is a look at the average monthly rates based on age for American Family and Nationwide.

American Family vs. Nationwide Average Monthly Rates by Age
AgeAmerican Family Average Monthly PremiumNationwide Average Monthly Premium
Teens$317.50$302.00
20's$140.42$131.83
30's$140.42$96.92
40's$90.75$95.92
50's$90.75$92.83
60's$82.17$85.67

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As you can see, in some age groups, American Family is more affordable, while in others, Nationwide is the place to go. Keep in mind, these rates are not including any discounts you may qualify for.

American Family vs. Nationwide Car Insurance Rates for High-Risk Drivers

Let’s face it, accidents and mistakes happen when you drive. You might be considered a high-risk driver if you have at-fault accidents, multiple tickets, reckless driving violations, or a DUI/DWI on your driving record.

Both American Family and Nationwide car insurance offer high-risk car insurance coverage. However, the cost can vary quite a bit. Let’s take a look at what you may be paying based on the types of infractions on your driving record.

American Family vs. Nationwide Monthly Car Insurance Rates by Driving History
Citation TypeAmerican Family Average Monthly PremiumNationwide Average Monthly Premium
At-fault accident with less than $1,000 damage$82.50$122.92
At-fault accident with more than $1,000 damage$146.92$153.00
DWI/DUI$154.75$224.25
Reckless Driving$154.75$331.42
Speeding Ticket$105.83$122.42

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Nationwide’s rates are a bit higher for those that have a less than stellar driving record. So, if you have some negative driving marks, American Family may be the way to go.

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Which company offers better discounts when looking at American Family vs. Nationwide?

While all of the best car insurance companies offer discounts, not all of them offer the same ones. The more discounts you qualify for, the more affordable your car insurance rates will be.

Let’s take a look at the discounts provided by the American Family and Nationwide car insurance companies.

Available Discounts from American Family and Nationwide Car Insurance Companies
DiscountAmerican FamilyNationwide
Advanced PurchaseYesNo
Air BagYesNo
Anti-Lock BrakesNoNo
Anti-Theft DevicesNoYes
Auto PayYesYes
BundlingYesYes
Defensive DriverYesYes
Driver's TrainingNoNo
Good StudentYesYes
Good/Safe DriverYesYes
Green VehicleNoNo
Home OwnerNoNo
Know Your DriveYesNo
Low Annual MileageYesYes
LoyaltyYesNo
Multi-PolicyYesYes
Multi-VehicleYesNo
Paid in FullNoNo
PaperlessNoNo
Student Away at SchoolYesNo

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American Family offers more discounts, which may mean more affordable rates for you. However, getting a quote from both companies will ensure you end up with the car insurance company that is the most affordable.

What other insurance products are offered from American Family and Nationwide?

Having all of your insurance products with the same company is not only convenient but can also help you save money on your monthly rates. So, finding out whether or not you can get Nationwide motorcycle insurance and keep all your policies together is advantageous.

Both of these companies offer a plethora of insurance products to help you keep your life simple. Let’s take a look at the different types of insurance policies that are available from these two companies.

American Family vs. Nationwide Other Products Offered
ProductsAmerican FamilyNationwide
Boat InsuranceYesYes
Condo InsuranceYesYes
Homeowners InsuranceYes Yes
Life InsuranceYesYes
Mobile Home InsuranceYesNo
Motorcycle InsuranceYesYes
Renters InsuranceYesYes
RV InsuranceYesYes
Travel Trailer InsuranceYesYes

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Unless you’re looking for mobile home insurance, both companies offer the same products. You’ll be able to find pretty much anything you might need from either of these well-known insurance companies.

Both American Family and Nationwide are excellent insurance companies. American Family has an A from A.M. Best, while Nationwide has an A+. One will likely fit your needs a little better than the other. While their rates are comparable, your situation will determine which is the most affordable.

Hopefully, you now have enough information to decide if you want to buy American Family or Nationwide car insurance. Don’t forget to enter your ZIP code and compare rates from insurance companies near you.