American Family vs. Nationwide Car Insurance (2022)
If you're comparing insurers, there are several factors to analyze. Start with their pricing structures. In terms of American Family vs. Nationwide, Nationwide tends to be far cheaper. Furthermore, while both companies are well-reviewed, Nationwide has higher ratings. If you are planning to buy auto insurance from these or any other company, compare quotes to get the best auto insurance rates.
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Written by
D. Gilson, PhD
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Reviewed by
Leslie Kasperowicz
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UPDATED: Jan 27, 2022
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- You can find special car insurance discount programs from both American Family and Nationwide.
- American Family offers cheaper prices than almost half of the states’ averages.
- Nationwide tends to be cheaper than American Family.
If you’re here, you’re probably trying to decide between American Family and Nationwide as your insurer. If that’s the case, and you are trying to find your next insurance provider, you’re in the right place. We’ll be covering American Family vs. Nationwide. Comparisons can be a wonderful way to find an auto insurance policy that suits the sort of coverage options and budget you’re looking for. Plus, you’ll discover what sort of savings you can get by pricing out the same policy with different insurers. All it takes is a little time.
If you’re looking to get more information about Nationwide, you would be well off reading our Nationwide review. We put a lot of care into our reviews to ensure you get plenty of helpful information from them. Having reviews fresh in your brain can sometimes offer peace of mind when you go to choose a policy.
For now, feel free to type your ZIP code into our free and helpful tool above to find affordable auto insurance rates from insurers in your area. You will most likely be able to find rates from Nationwide and American Family. They may be some of the largest insurance groups out there, but that doesn’t mean they’re always the best fit. Which auto insurance company is for you? Find out now.
Table of Contents
What can American Family Insurance do for you?
When you go about comparing insurers, where should you start? With their prices! Take a look at the following table to see if American Family Insurance’s prices are cheap in your state.
| State | American Family Average Annual Rates | State Average Annual Rates | Higher/Lower ($) Than State Average Annual Rates | Higher/Lower (%) Than State Average Annual Rates |
|---|---|---|---|---|
| Alaska | $4,153.07 | $3,421.51 | $731.55 | 17.61% |
| Colorado | $3,733.02 | $3,876.39 | -$143.37 | -3.84% |
| Iowa | $3,021.81 | $2,981.28 | $40.53 | 1.34% |
| Idaho | $3,728.79 | $2,979.09 | $749.70 | 20.11% |
| Illinois | $3,815.31 | $3,305.48 | $509.82 | 13.36% |
| Indiana | $3,679.68 | $3,414.97 | $264.71 | 7.19% |
| Kansas | $2,146.40 | $3,279.62 | -$1,133.22 | -52.80% |
| Minnesota | $3,521.29 | $4,403.25 | -$881.97 | -25.05% |
| Missouri | $3,286.90 | $3,328.93 | -$42.03 | -1.28% |
| North Dakota | $3,812.40 | $4,165.84 | -$353.44 | -9.27% |
| Nebraska | $2,215.13 | $3,283.68 | -$1,068.55 | -48.24% |
| Nevada | $5,441.18 | $4,861.70 | $579.48 | 10.65% |
| Ohio | $1,515.17 | $2,709.71 | -$1,194.54 | -78.84% |
| Oregon | $3,527.28 | $3,467.77 | $59.51 | 1.69% |
| South Dakota | $4,047.47 | $3,982.27 | $65.20 | 1.61% |
| Texas | $4,848.72 | $4,043.28 | $805.44 | 16.61% |
| Utah | $3,698.77 | $3,611.89 | $86.88 | 2.35% |
| Washington | $3,713.02 | $3,059.32 | $653.70 | 17.61% |
| Wisconsin | $1,513.27 | $3,606.06 | -$2,092.80 | -138.30% |
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As you can see, American Family is cheaper than the average of almost half of the states shown. In some cases, their prices are significantly cheaper. Just take a look at Wisconsin, where American Family is a massive 138% cheaper than the state average.
No matter which insurer you end up going with, research what standard car insurance discounts they offer. One such discount from American Family is their Dreams Restored Program. This program finds the cheapest and most highly rated auto body shops in your area should the need arise.
A third way to find out if an insurer is the one for you is to analyze their ratings. Let’s take a look at the ratings for American Family Insurance.
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How is American Family Insurance rated?
The two biggest companies for company ratings are the Better Business Bureau and A.M. Best. Let’s take a look at a table showing their ratings for American Family Insurance.
| Ratings Agency | American Family Ratings |
|---|---|
| A.M. Best | A |
| Better Business Bureau | A |
| Moody's | N/A |
| S&P | N/A |
| NAIC Complaint Index | 0.69 |
| JD Power | Claims Satisfaction 3/5 Shopping Study 4/5 |
| Consumer Reports | 89 |
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As you can see, A.M. Best and the Better Business Bureau gave American Family Insurance a sterling A rating. Should you be considering American Family, this is good to know and should prove comforting.
Let’s get back to pricing. There are more comparisons to make than just with the state average. Let’s look at pricing by coverage type. It stands to reason that the more you’re on the road, the more substantial the risk of a collision.
If you’re going to be on the road a lot, you’ll need a higher level of coverage. Let’s take a look at a table that shows the pricing structure for American Family’s three coverage levels.
| Coverage Level | American Family Average Annual Rates |
|---|---|
| Low | $3,368.49 |
| Medium | $3,544.37 |
| High | $3,416.40 |
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Now that we’ve analyzed American Family Insurance, let’s see how Nationwide measures up. If you need more information on American Family, feel free to read our American Family Insurance review.
What can Nationwide Insurance do for you?
Remember how we started our analysis of American Family with their pricing structure? Let’s do the same with Nationwide.
| State | Allstate Average Annual Rates | American Family Average Annual Rates | Farmers Average Annual Rates | Geico Average Annual Rates | Liberty Mutual Average Annual Rates | Nationwide Average Annual Rates | Progressive Average Annual Rates | State Farm Average Annual Rates | Travelers Average Annual Rates | USAA Average Annual Rates |
|---|---|---|---|---|---|---|---|---|---|---|
| Alaska | $3,145.31 | $4,153.07 | – | $2,879.96 | $5,295.55 | – | $3,062.85 | $2,228.12 | – | $2,454.21 |
| Alabama | $3,311.52 | – | $4,185.80 | $2,866.60 | $4,005.48 | $2,662.66 | $4,450.52 | $4,798.15 | $3,697.80 | $2,124.09 |
| Arkansas | $5,150.03 | – | $4,257.87 | $3,484.63 | – | $3,861.79 | $5,312.09 | $2,789.03 | $5,973.33 | $2,171.06 |
| Arizona | $4,904.10 | – | $5,000.08 | $2,264.71 | – | $3,496.08 | $3,577.50 | $4,756.25 | $3,084.74 | $3,084.29 |
| California | $4,532.96 | – | $4,998.78 | $2,885.65 | $3,034.42 | $4,653.19 | $2,849.67 | $4,202.28 | $3,349.54 | $2,693.87 |
| Colorado | $5,537.17 | $3,733.02 | $5,290.24 | $3,091.69 | $2,797.74 | $3,739.47 | $4,231.92 | $3,270.77 | – | $3,338.87 |
| Connecticut | $5,831.60 | – | – | $3,073.66 | $7,282.87 | $3,672.34 | $4,920.35 | $2,976.24 | $6,004.29 | $3,190.00 |
| District of Columbia | $6,468.92 | – | – | $3,692.81 | – | $4,848.98 | $4,970.26 | $4,074.05 | – | $2,580.44 |
| Delaware | $6,316.06 | – | – | $3,727.29 | $18,360.02 | $4,330.21 | $4,181.83 | $4,466.85 | $4,182.36 | $2,325.98 |
| Florida | $7,440.46 | – | – | $3,783.63 | $5,368.15 | $4,339.60 | $5,583.30 | $3,397.67 | – | $2,850.41 |
| Georgia | $4,210.70 | – | – | $2,977.20 | $10,053.44 | $6,484.90 | $4,499.22 | $3,384.88 | – | $3,157.46 |
| Hawaii | $2,173.49 | – | $4,763.82 | $3,358.86 | $3,189.55 | $2,551.83 | $2,177.93 | $1,040.28 | – | $1,189.35 |
| Iowa | $2,965.86 | $3,021.81 | $2,435.72 | $2,296.16 | $4,415.28 | $2,735.44 | $2,395.50 | $2,224.51 | $5,429.38 | $1,852.57 |
| Idaho | $4,088.76 | $3,728.79 | $3,168.28 | $2,770.68 | $2,301.51 | $3,032.19 | – | $1,867.96 | $3,226.29 | $1,877.61 |
| Illinois | $5,204.41 | $3,815.31 | $4,605.20 | $2,779.16 | $2,277.65 | $2,711.81 | $3,536.65 | $2,344.88 | $2,499.76 | $2,770.21 |
| Indiana | $3,978.81 | $3,679.68 | $3,437.55 | $2,261.07 | $5,781.35 | – | $3,898.00 | $2,408.94 | $3,393.75 | $1,630.86 |
| Kansas | $4,010.23 | $2,146.40 | $3,703.77 | $3,220.65 | $4,784.42 | $2,475.59 | $4,144.38 | $2,720.00 | $4,341.43 | $2,382.61 |
| Kentucky | $7,143.92 | – | – | $4,633.59 | $5,930.97 | $5,503.23 | $5,547.63 | $3,354.32 | $6,551.68 | $2,897.89 |
| Louisiana | $5,998.79 | – | – | $6,154.60 | – | – | $7,471.10 | $4,579.12 | – | $4,353.12 |
| Maine | $3,675.59 | – | $2,770.15 | $2,823.05 | $4,331.39 | – | $3,643.59 | $2,198.68 | $2,252.97 | $1,930.79 |
| Maryland | $5,233.17 | – | – | $3,832.63 | $9,297.55 | $2,915.69 | $4,094.86 | $3,960.87 | – | $2,744.14 |
| Massachusetts | $2,708.53 | – | – | $1,510.17 | $4,339.35 | – | $3,835.11 | $1,361.86 | $3,537.94 | $1,458.99 |
| Michigan | $22,902.59 | – | $8,503.60 | $6,430.11 | $20,000.04 | $6,327.38 | $5,364.55 | $12,565.52 | $8,773.97 | $3,620.00 |
| Minnesota | $4,532.01 | $3,521.29 | $3,137.45 | $3,498.54 | $13,563.61 | $2,926.49 | – | $2,066.99 | – | $2,861.60 |
| Missouri | $4,096.15 | $3,286.90 | $4,312.19 | $2,885.33 | $4,518.67 | $2,265.35 | $3,419.14 | $2,692.91 | – | $2,525.78 |
| Mississippi | $4,942.11 | – | – | $4,087.21 | $4,455.94 | $2,756.53 | $4,308.85 | $2,980.48 | $3,729.32 | $2,056.13 |
| Montana | $4,672.10 | – | $3,907.55 | $3,602.35 | $1,326.11 | $3,478.26 | $4,330.76 | $2,417.74 | – | $2,031.89 |
| North Carolina | $7,190.43 | – | – | $2,936.69 | $2,182.71 | $2,848.03 | $2,382.61 | $3,078.65 | $3,132.66 | – |
| North Dakota | $4,669.31 | $3,812.40 | $3,092.49 | $2,668.24 | $12,852.83 | $2,560.35 | $3,623.06 | $2,560.53 | – | $2,006.80 |
| Nebraska | $3,198.83 | $2,215.13 | $3,997.29 | $3,837.49 | $6,241.52 | $2,603.94 | $3,758.01 | $2,438.71 | – | $2,330.78 |
| New Hampshire | $2,725.01 | – | – | $1,615.02 | $8,444.41 | $2,491.10 | $2,694.45 | $2,185.46 | – | $1,906.96 |
| New Jersey | $5,713.58 | – | $7,617.00 | $2,754.94 | $6,766.62 | – | $3,972.72 | $7,527.16 | $4,254.49 | – |
| New Mexico | $4,200.65 | – | $4,315.53 | $4,458.30 | – | $3,514.38 | $3,119.18 | $2,340.66 | – | $2,296.77 |
| Nevada | $5,371.62 | $5,441.18 | $5,595.56 | $3,662.09 | $6,201.55 | $3,477.14 | $4,062.57 | $5,796.34 | $5,360.41 | $3,069.07 |
| New York | $4,740.97 | – | – | $2,428.24 | $6,540.73 | $4,012.93 | $3,771.15 | $4,484.58 | $4,578.79 | $3,761.69 |
| Ohio | $3,197.22 | $1,515.17 | $3,423.01 | $1,867.19 | $4,429.74 | $3,300.89 | $3,436.96 | $2,507.88 | $3,135.16 | $1,478.46 |
| Oklahoma | $3,718.62 | – | $4,142.40 | $3,437.34 | $6,874.62 | – | $4,832.35 | $2,816.80 | – | $3,174.15 |
| Oregon | $4,765.95 | $3,527.28 | $3,753.52 | $3,220.12 | $4,334.55 | $3,176.83 | $3,629.13 | $2,731.48 | $2,892.19 | $2,587.15 |
| Pennsylvania | $3,984.12 | – | – | $2,605.22 | $6,055.20 | $2,800.37 | $4,451.00 | $2,744.23 | $7,842.47 | $1,793.37 |
| Rhode Island | $4,959.45 | – | – | $5,602.63 | $6,184.12 | $4,409.63 | $5,231.09 | $2,406.51 | $6,909.45 | $4,323.98 |
| South Carolina | $3,903.43 | – | $4,691.85 | $3,178.01 | – | $3,625.49 | $4,573.08 | $3,071.34 | – | $3,424.77 |
| South Dakota | $4,723.72 | $4,047.47 | $3,768.80 | $2,940.29 | $7,515.99 | $2,737.66 | $3,752.81 | $2,306.23 | – | – |
| Tennessee | $4,828.85 | – | $3,430.07 | $3,283.42 | $6,206.69 | $3,424.96 | $3,656.91 | $2,639.30 | $2,738.52 | $2,739.28 |
| Texas | $5,485.44 | $4,848.72 | – | $3,263.28 | – | $3,867.55 | $4,664.69 | $2,879.94 | – | $2,487.89 |
| Utah | $3,566.42 | $3,698.77 | $3,907.99 | $2,965.57 | $4,327.76 | $2,986.57 | $3,830.10 | $4,645.83 | – | $2,491.10 |
| Virginia | $3,386.80 | – | – | $2,061.53 | – | $2,073.00 | $2,498.58 | $2,268.95 | – | $1,858.38 |
| Vermont | $3,190.38 | – | – | $2,195.71 | $3,621.08 | $2,128.21 | $5,217.14 | $4,382.84 | – | $1,903.55 |
| Washington | $3,540.52 | $3,713.02 | $2,962.00 | $2,568.65 | $3,994.73 | $2,129.84 | $3,209.52 | $2,499.78 | – | $2,262.16 |
| West Virginia | $3,820.68 | – | – | $2,120.80 | $2,924.39 | – | – | $2,126.32 | – | $1,984.62 |
| Wisconsin | $4,854.41 | $1,513.27 | $3,777.49 | $3,926.20 | $6,758.85 | $5,224.99 | $3,128.91 | $2,387.53 | – | $2,975.74 |
| Wyoming | $4,373.93 | – | $3,069.35 | $3,496.56 | $1,989.36 | $3,187.20 | $4,401.17 | $2,303.55 | – | $2,779.53 |
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As you can see, with the exception of a handful of states such as Ohio and Wisconsin, Nationwide is cheaper than American Family across the board. In many states, the disparity is substantial.
Now that we’ve seen that Nationwide beats American Family in terms of pricing for the most part, let’s take a look at their ratings.
| Ratings Agency | Ratings |
|---|---|
| A.M. Best | A+ |
| Better Business Bureau | A+ |
| Moody's | A1 |
| S&P | A+ |
| NAIC Complaint Index | 0.44 |
| JD Power | Claims Satisfaction 3/5 Shopping Study 2/5 |
| Consumer Reports | 88 |
| Consumer Affairs | 2/5 85 reviews |
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As you can see, both A.M. Best and the Better Business Bureau gave Nationwide a perfect A+ rating. Yet again, Nationwide beats out American Family.
To wrap up, we want to stress the importance of comparison shopping. Never take the first insurer who shows you their rates. Furthermore, don’t just find the cheapest insurer. Find the cheapest, most reputable, most highly-rated insurer.
Lastly, keep an eye out for discounts. Inform the insurance agent about your needs and inquire as to whether or not they have discounts to suit your needs.
In the meanwhile, type your ZIP code into our helpful and free tool below to find auto insurance quotes and coverage options from insurers in your area.