Compare American Family vs. Nationwide Auto Insurance in 2021

When comparing American Family vs. Nationwide auto insurance companies, you’ll find that Nationwide offers lower insurance rates to younger drivers and more coverage options. Meanwhile, American Family provides lower rates to older drivers and offers more auto insurance discounts than Nationwide. Comparing American Family vs. Nationwide car insurance against local providers in your area will help you determine the best fit for your budget.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Aug 3, 2021

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A Concise Overview

  • Nationwide has lower rates than American Family for younger drivers
  • American Family has lower rates than Nationwide for older drivers
  • Nationwide is rated better than American Family by A.M. Best

American Family and Nationwide offer various auto insurance coverages to drivers. While Nationwide has lower rates for younger drivers, American Family has lower rates for older drivers.

Comparing American Family vs. Nationwide car insurance is the easiest way to determine which company will best fit your needs. Read now to see how these companies stack up in terms of rates, policy options, discounts, and financial and consumer ratings.

Want to compare more than American Family vs. Nationwide auto insurance? Enter your ZIP code above to start comparing free auto insurance quotes from companies in your area.

American Family vs. Nationwide: What are their annual rates?

Comparing affordable American Family vs. Nationwide auto insurance rates will help you find the most cost-effective option. The following chart shows the annual auto insurance rates for American Family and Nationwide based on age:

American Family vs. Nationwide: Average Annual Rates by Age
AgeAmerican Family Average Annual RatesNationwide Average Annual Rates
20$1,931$1,582
30$1,294$1,163
40$1,220$1,151
50$1,009$1,114
60$941$1,028
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As you can see, the average Nationwide insurance quotes are lower for younger drivers, and American Family car insurance is cheaper for older drivers. Additionally, rates decrease as drivers age with both companies.

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American Family vs. Nationwide: What coverages are available?

Auto insurance companies offer various types of coverage, allowing customers to choose the level of protection they need. Coverage options provided by both American Family and Nationwide auto insurance include:

  • Collision
  • Comprehensive
  • Property damage liability
  • Bodily injury liability
  • Medical expenses
  • Personal injury protection
  • GAP coverage
  • Uninsured/underinsured motorist
  • Rental reimbursement

In addition to these basic coverages, American Family Insurance provides accidental death and dismemberment coverage.

Additional coverages offered by Nationwide include:

  • Towing and labor
  • Accident forgiveness
  • Vanishing deductible
  • Total loss deductible

Nationwide Insurance provides more coverage options than American Family, but which company provides the better auto insurance discounts?

American Family vs. Nationwide: What discounts are available?

Comparing American Family vs. Nationwide auto insurance company discounts will help you determine which company offers the most savings. You can significantly lower your monthly rates by combining company discounts.

American Family auto insurance discounts include:

  • Good student discounts
  • Multi-policy discounts
  • Multi-vehicle discounts
  • Safety feature discounts
  • Good driver discounts
  • Student away at school discounts
  • Advanced purchase

Nationwide auto insurance discounts include:

  • Multi-policy discounts
  • Anti-theft discounts
  • Good driver discounts
  • Good student discounts

American Family insurance discounts outnumber Nationwide, but Nationwide customers can increase their savings with insurance bundles. Drivers must purchase auto insurance coverage and at least one other kind of insurance, such as Nationwide motorcycle insurance, to qualify.

American Family vs. Nationwide: Which company has stronger financial and customer ratings?

Credit rating agencies review and rate insurance companies based on financial strength. These financial ratings inform policyholders of the likelihood that they’ll receive a payout when they file a claim.

American Family has been rated an A by A.M. Best and S&P and an A1 by Moody’s. These are solid ratings and determine that American Family will usually provide a payout when customers file a claim.

Nationwide has been rated an A+ by A.M. Best and S&P and an A1 by Moody’s. These are excellent ratings and tell customers that they can expect a payout whenever they file a claim.

While American Family and Nationwide have been rated the same by Moody’s, Nationwide has been rated better by A.M. Best and S&P. These ratings show that Nationwide has financial superiority over American Family.

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) review complaints made about insurance companies. These complaints determine the quality of service for customers looking to buy American Family or Nationwide auto insurance.

At the time of this comparison, the BBB has received 162 complaints about American Family during the past three years. The NAIC lists American Family’s complaint index ratio as 1.35, indicating more complaints than similarly-sized competitors.

The BBB has received 210 complaints about Nationwide over the past three years. According to the NAIC, Nationwide has a complaint index ratio of 1.48, indicating more complaints than competitors of a similar size.

The number of complaints and complaint index ratios show that American Family has greater customer satisfaction than Nationwide.

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American Family vs. Nationwide: Do they provide roadside assistance?

Auto insurance companies offer roadside assistance to customers as an add-on. Both companies offer this service as an add-on, which will increase your American Family or Nationwide auto insurance quotes.

American Family customers can purchase roadside assistance for $10 to $20 per year. Adding this service to an existing policy allows customers to receive support that includes:

  • Towing
  • Gas delivery
  • Tire change
  • Battery service

American Family customers can request roadside assistance by calling 1-800-692-6326.

Nationwide offers two levels of roadside assistance. The basic plan features:

  • Towing up to 15 miles
  • Winching
  • Gas delivery
  • Battery service
  • Locksmith
  • Tire replacement

The Nationwide roadside assistance premium plan provides the same features as the basic plan, plus towing up to 100 miles and trip interruption coverage. The Nationwide roadside assistance phone number is 1-800-421-3535.

American Family vs. Nationwide: Do they have mobile apps?

Customers can access American Family and Nationwide mobile apps on any mobile device. Customers can use their Nationwide or American Family Insurance login to access digital ID cards, make payments, manage policies, and request roadside assistance.

American Family vs. Nationwide Auto Insurance: The Bottom Line

Nationwide has lower rates for younger drivers, making them a better option for teen drivers, while American Family offers lower rates to older drivers in their 40s, 50s, and 60s. Nationwide also has more coverage options and stronger financial ratings, but American Family has higher customer satisfaction.

Now that you’ve compared American Family vs. Nationwide auto insurance, enter your ZIP code below to compare free auto insurance quotes from the companies in your area and see which is offering the best rates.

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