- Nationwide vs. American Family: Which one is the cheapest?
- Nationwide vs. American Family: Rates by age group
- Nationwide vs. American Family: Rates for high-risk drivers
- Nationwide vs. American Family: Rates in your state
- Nationwide vs. American Family: Which offers better discounts?
- Nationwide vs. American Family: The bottom line
- Methodology
Nationwide vs. American Family: Which one is the cheapest?
Nationwide state minimum coverage costs an average of $532 annually, while American Family costs $602.
For full coverage with 100/300/100 in liability coverage and $500 deductibles for comprehensive and collision insurance, Nationwide costs an average of $1,548. American Family costs more at an average of $1,698.
It's always a good idea to shop around for quotes, however, because prices and coverage vary from state to state and depend on your individual situation.
| Company | Average annual rate for full coverage | Average annual rate for state minimum coverage | Average annual premium for liability-only (50/100/50) car insurance |
|---|---|---|---|
| Nationwide | $1,548 | $532 | $651 |
| American Family | $1,698 | $602 | $870 |
Nationwide vs. American Family: Rates by age group
For teens - one of the most expensive age groups to insure - American Family has the cheapest rates, coming in at $4,515 per year. Nationwide costs an average of $5,285 for a teen driver.
Age plays a major role in calculating insurance rates. Companies look at things like speeding, accidents and distracted driving. Teen drivers are seen as high-risk, which makes them one of the most expensive age groups to insure. Rates usually go down as you get older.
For example, adults pay an average of $4,515 with American Family, while Nationwide charges an average of $5,285 for an adult.
| Age group | Nationwide | American Family |
|---|---|---|
| Teens | $5,285 | $4,515 |
| Young adults | $2,556 | $2,424 |
| Adults | $1,533 | $1,701 |
| Seniors | $1,456 | $1,813 |
Nationwide vs. American Family: Rates for high-risk drivers
American Family has the lowest rates for high-risk drivers. A high-risk driver is someone with several speeding tickets, accidents or a serious offense like a DUI on their record. This can make it hard to get affordable car insurance.
For drivers with a DUI, American Family is more affordable, with average rates of $2,908.
Check the table below to see how Nationwide rates compare to American Family rates.
| Type of violation | Nationwide | American Family |
|---|---|---|
| 1 At-fault property damage accident over $2K | $2,537 | $2,447 |
| 1 At-fault property damage accident under $2K | $2,481 | $2,447 |
| At-fault bodily injury accident | $2,673 | $2,542 |
| Careless driving | $2,203 | $2,205 |
| DUI | $3,627 | $2,908 |
| Reckless driving | $3,221 | $2,805 |
| Speeding | $2,347 | $2,321 |
Nationwide vs. American Family: Rates in your state
Insurance rates vary from state to state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where you'll find the cheapest rates for Nationwide and American Family. Remember, always shop around for multiple quotes as prices will ultimately be determined by your personal situation and driving record in addition to your location.
| State | Nationwide | American Family |
|---|---|---|
| Alabama | $1,345 | N/A |
| Arizona | $1,726 | N/A |
| Arkansas | $1,503 | N/A |
| California | $2,799 | N/A |
| Connecticut | $1,766 | N/A |
| Delaware | $1,498 | $2,709 |
| Florida | $2,150 | N/A |
| Idaho | $1,505 | N/A |
| Indiana | $1,309 | N/A |
| Kansas | $1,316 | N/A |
| Maryland | $1,363 | N/A |
| Minnesota | $1,363 | N/A |
| Mississippi | $1,331 | N/A |
| Missouri | $1,361 | N/A |
| Montana | $1,394 | N/A |
| Nebraska | $1,216 | N/A |
| Nevada | N/A | $2,429 |
| New Hampshire | $1,145 | N/A |
| New Mexico | $1,806 | N/A |
| North Carolina | $1,513 | N/A |
| North Dakota | $1,152 | $1,092 |
| Oregon | $1,411 | N/A |
| Pennsylvania | $1,196 | N/A |
| Rhode Island | $1,911 | $1,833 |
| South Dakota | $1,526 | N/A |
| Tennessee | $1,632 | N/A |
| Texas | $1,502 | N/A |
| Utah | $1,135 | N/A |
| Vermont | $935 | N/A |
| Washington | $1,658 | $1,750 |
| Washington, D.C. | $2,558 | N/A |
| West Virginia | $1,215 | N/A |
| Wisconsin | $1,287 | N/A |
Nationwide vs. American Family: Which offers better discounts?
Discounts are important to insurance customers and can help you save a lot on your yearly insurance costs. Below are some of the discounts Nationwide and American Family give to their customers.
| Discounts | Nationwide | American Family |
|---|---|---|
| Payment type | 9% | 9% |
| Multi policy | 7% | 9% |
| Telematics | 8% | N/A |
| Days advanced purchase | 7% | 8% |
| Marital status | 7% | 11% |
| Daily commute | N/A | 6% |
| Paperless/electornic documents | 4% | 5% |
| Homeowner | 5% | 4% |
| Loyalty | 4% | 5% |
| Electronic funds transfer | 3% | 5% |
| Safety devices | 3% | 2% |
| Lower annual mileage | 12% | 3% |
| Air bags | 2% | 2% |
| Anti-theft device | 1% | 1% |
Always remember to ask about discounts when comparing insurance options to find out what you might qualify for.
Nationwide vs. American Family: The bottom line
Both Nationwide and American Family are good insurance companies, but if cheaper rates are your top priority, Nationwide might be the best option for you. Still, it's a good idea to look at more than just price and compare quotes from different companies to find the best car insurance for your needs.
Methodology
Insurance.com commissioned car insurance rates from Quadrant Data Services for state minimum coverage and full coverage with liability limits of 100/300/100 with $500 deductibles. Base sample rates are based on a 40-year-old male driver with a clean record and good credit driving a 2023 Honda Accord LX. Rates were also fielded for multiple age groups and driver profiles compared the base sample rate.
Company ratings were gathered from third-party sources including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). We also gathered data from the Insure.com annual survey of car insurance customers.
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