Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Aug 4, 2021

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Key Takeaways

  • Comparing American Family vs. Nationwide is easy as the companies offer similar insurance policies
  • American Family has an A.M. Best rating of A
  • Both companies offer an array of personal and business home, life, and car insurance policies
  • Nationwide’s A.M. Best rating is A++

Buying car insurance is a big task and often requires a lot of emotional and physical energy. With so many car insurance companies and policies out there, finding the right fit for you can be overwhelming.

To ease the process for you, we’re comparing American Family vs. Nationwide, two leading car insurance companies.

American Family Insurance specializes in property, casualty, and auto insurance, while Nationwide specializes in auto, homeowners, and a few other insurance policies.

Keep reading to learn more about each company’s offerings and to help you decide which company is best for you.

Before you compare American Family vs. Nationwide’s quotes, enter your ZIP code into our free online tool for affordable car insurance rates from companies in your area.

American Family vs. Nationwide: Which types of car insurance policies are offered?

Finding the right car insurance coverage for your needs is tricky at times. A basic, car insurance 101 explanation of coverages would help tremendously in deciding which policy is right for you.

Fortunately, almost any type of coverage you need is found at either of these leading insurance companies. To help ease your insurance-buying process, we’ve clarified which types of car insurance policies American Family and Nationwide offer.

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What are car insurance policies offered by American Family?

American Family has a long list of car insurance policies available to its members. Of course, the company offers basic car insurance coverage like collision, comprehensive, and liability insurance.

Apart from basic coverage, American Family insurance options include:

  • Underinsured and Uninsured Motorist Insurance
  • Classic Car Insurance
  • Commercial Insurance
  • Rideshare Insurance
  • Gap/Lease & Loan Insurance
  • Medical Payments Insurance
  • 24/7 Roadside Assistance Insurance
  • Accident Forgiveness Insurance
  • Auto Rental Reimbursement Insurance
  • Original Equipment Manufacturer (OEM) Insurance
  • Travel Insurance
  • ForeverCar

American Family’s ForeverCar vehicle service plan covers extra repair costs in the event of an accident. It is designed to adapt to your needs over time, which differentiates this plan from an extended warranty.

American Family also has an A.M. Best rating of A.

American Family has more than enough insurance options to choose from, which can be overwhelming when buying your car insurance policy. A great place to start is knowing the minimum state auto insurance requirements for your area.

What are car insurance policies offered by Nationwide?

Similar to American Family, Nationwide offers a wide variety of insurance policies to choose from. However, Nationwide provides both personal and business coverage options.

Nationwide Personal Insurance Options

Nationwide’s personal insurance policies consist of car, home, life, and specialty insurance coverage.

Apart from standard and full coverage auto insurance, Nationwide car insurance policies include:

  • Classic car insurance
  • Boat insurance
  • Snowmobile insurance
  • ATV insurance
  • Motorcycle insurance
  • RV, motorhome, travel trailer & camper insurance
  • Personal watercraft
  • Scooter insurance
  • Golf cart insurance

Nationwide offers an even greater variety of property, life, and specialty insurance policies outside of car insurance policies. Nationwide property policies include:

  • Homeowners insurance
  • Renters insurance
  • Condo insurance
  • Flood insurance

Nationwide life insurance policies include:

  • Term life insurance
  • Universal life insurance
  • Whole life insurance
  • Variable life insurance

Lastly, Nationwide’s specialty insurance offerings consist of:

  • Personal umbrella insurance
  • Travel insurance
  • Nationwide pet insurance
  • Wedding insurance
  • Specialty liability insurance
  • Identity theft insurance
  • Accidental medical insurance
  • Dental insurance

Nationwide Business Car Insurance

Nationwide offers some business insurance policies, including a commercial auto insurance policy that covers employee vehicles. Other business policies offered by Nationwide include:

  • Businessowners insurance
  • Business liability insurance
  • Commercial property insurance

Under each of these are more detailed insurance options that help tailor your policy to fit your specific business insurance needs.

Nationwide also has an A.M. Best rating of A+.

For more detailed information on Nationwide, check out our Nationwide car insurance review.

We highly recommend that you compare American Family vs. Nationwide’s rates before buying any insurance policy. This will ensure that you get the best insurance policy or policies for your specific needs.

American Family vs. Nationwide: Which company has better rates?

As with any insurance, car insurance rates are dependent on a range of factors. Where you live, your driving record, age, gender, and more determine whether you will have less or more expensive car insurance rates.

Unfortunately, neither company displays its rates on the company website. So, it isn’t easy to compare American Family vs. Nationwide rates.

However, below are sample monthly and yearly full coverage car insurance rates by state. This will hopefully give you an idea of what you may pay for car insurance in your area.

Average Yearly & Monthly Full Coverage Auto Insurance Rates by State
StateAverage Annual Car Insurance RatesAverage Monthly Car Insurance Rates
District of Columbia$1,208.77$100.73
New Hampshire$795.50$66.29
New Jersey$1,379.20$114.93
New Mexico$920.42$76.70
New York$1,327.82$110.65
North Carolina$768.28$64.02
North Dakota$768.09$64.01
Rhode Island$1,257.40$104.78
South Carolina$936.69$78.06
South Dakota$744.28$62.02
West Virginia$1,032.45$86.04
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It’s always a good idea to compare companies’ sample car insurance rates because it gives you a fuller scope of what each company has to offer. It also helps you find the right coverage for an affordable price.

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What are discounts offered by American Family vs. Nationwide?

Because each of these companies is so diverse in its offerings, the discounts offered by each are also diverse. Below is a list of the different discounts offered by both American Family and Nationwide.

American Family Car Insurance Discounts

American Family currently offers the following discounts on car insurance:

  • Auto Safety Equipment
  • Away at School
  • Loyalty
  • Defensive Driver
  • Early-Bird
  • Generational
  • Good Driving
  • Good Student
  • KnowYourDrive
  • Low Mileage
  • Multi-Product
  • Multi-Vehicle
  • Steer into Savings
  • Teen Safe Driver
  • Young Volunteer

Drivers can save up to 29% on their car insurance by bundling or adding a discount to their insurance policy.

For more information about American Family Insurance, check out our American Family Car Insurance Review.

Nationwide Car Insurance Discounts

Nationwide’s website shows that it offers a multi-policy discount, however, it does not include an entire list of its available discounts.

American Family vs. Nationwide: Which company has better consumer ratings?

Another great way to know which car insurance company is for you is to compare American Family vs. Nationwide consumer ratings. Check out the table below to see how each company rated in a Consumer Report car insurance study.

American Family vs. Nationwide Consumer Report Ratings
Consumer Report Ratings CriteriaAmerican Family RatingsNationwide Ratings
Excellence of Reaching an AgentExcellentVery Good
Simplicity of the ProcessVery GoodVery Good
Promptness of ResponseVery GoodVery Good
Damage AmountVery GoodExcellent
Agent CourtesyExcellentVery Good
Timely PaymentVery GoodVery Good
Freedom to Select Repair ShopVery GoodVery Good
Being Kept Informed of Claim StatusExcellentVery Good
Reader Score8988
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As you can see, both American Family and Nationwide are very close in Consumer Report rankings. These rankings show American Family vs. Nationwide’s reliability and help you know which can work best for you.

In J.D. Power’s 2020 U.S. auto insurance study on customer satisfaction, American Family tied with GEICO for the highest-ranking auto insurance company in the southwest.

What is American Family?

American Family Insurance is a private mutual insurance company specializing in auto insurance and property and casualty insurance. Additional services offered by American Family include commercial, health, homeowners, and life insurance.

American Family exists for its shareholders’ (referred to as members) benefit as a mutual insurance company. Its policyholders essentially own it, and profits are returned to members as dividends.

American Family is headquartered in Madison, Wisconsin, and serves customers across the United States.

Apart from American Family’s various insurance offerings, the company also offers investment and retirement-planning services.

It’s important to note that American Family Care is a separate company from American Family Insurance. The former is an urgent care practice, while American Family Insurance is a personal and business insurance company.

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What is Nationwide?

Similar to American Family, Nationwide is a United States mutual insurance company, offering a full range of insurance products to members across the U.S.

More than just auto insurance, Nationwide insurance services extend to motorcycle, homeowners, life, farm, health, pet, and commercial insurance. The company also covers mutual funds, annuities, Nationwide retirement plans, and specialty health services.

American Family vs. Nationwide: Which company is best for you?

These leading car insurance companies are very similar in their wide range of insurance policies offered. They also rated similarly in both Consumer Ratings and A.M. Best ratings.

As both American Family and Nationwide are close, the decision is really up to which company you like best.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!

Hopefully, this American Family vs. Nationwide comparison helped you. Now, get started with your shopping. Enter your ZIP code into our free online tool for instant car insurance rates from companies in your area.