American Family vs Nationwide Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

American Family
89
What is this?

Insurify Composite Score

Nationwide
89
What is this?

Insurify Composite Score

American Family VS Nationwide
89
89
What is this?
User Ratings
OptionsAmerican Family Nationwide
Rating/Reviews
138 reviews
3,848 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAmerican Family Nationwide
Call Center Representative--The rest
Insurer Website--Among the best
Local AgentBetter than mostBetter than most
Overall SatisfactionBetter than mostAbout average
Policy OfferingsBetter than mostBetter than most
PricingBetter than mostAbout average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAmerican Family Nationwide
Claim ServicingAbout averageAbout average
Estimation ProcessAbout averageBetter than most
First Notice of Loss (FNOL)About averageBetter than most
Overall SatisfactionAbout averageAbout average
Rental ExperienceAbout averageBetter than most
Repair ProcessAbout averageBetter than most
SettlementAbout averageAbout average
J.D. Power Ratings by Region (out of 1000)
RegionAmerican Family Nationwide
California--796 pt
About average
Central823 pt
About average
803 pt
The rest
Florida--793 pt
The rest
Mid-Atlantic--823 pt
The rest
New England--817 pt
About average
New York--806 pt
The rest
North Central820 pt
About average
815 pt
The rest
Northwest826 pt
Better than most
782 pt
The rest
Southeast--823 pt
About average
Southwest819 pt
About average
805 pt
The rest
Texas--813 pt
The rest
Mobile App Ratings
RegionAmerican Family Nationwide
Android
1,081 Reviews
1,829 Reviews
iOS
6,200 Reviews
40 Reviews
Financial Ratings
OptionsAmerican Family Nationwide
A.M. BestAA+
FitchA+--
Moody'sAa3A1
Standard & Poor'sA+A+

Auto Insurance Quotes

For Married Drivers

CityAmerican Family Nationwide
Austin--$73
Chicago$76$184
Philadelphia--$87
Phoenix$82--
Santa Monica--$96

For Single Drivers

CityAmerican Family Nationwide
Austin--$99
Chicago$76$183
Philadelphia--$96
Phoenix$82--
Santa Monica--$231

For Male Drivers

CityAmerican Family Nationwide
Austin--$84
Chicago$76$185
Philadelphia--$90
Phoenix$82--
Santa Monica--$215

For Female Drivers

CityAmerican Family Nationwide
Austin--$88
Chicago$76$182
Philadelphia--$93
Phoenix$82--
Santa Monica--$112

For Drivers with Speeding Ticket

CityAmerican Family Nationwide
Austin--$115
Chicago$102$285
Philadelphia--$102
Phoenix$121--
Santa Monica--$270

For Drivers with No Speeding Ticket

CityAmerican Family Nationwide
Austin--$80
Chicago$70$161
Philadelphia--$90
Phoenix$74--
Santa Monica--$141

For Drivers Age Between 18-40

CityAmerican Family Nationwide
Austin--$97
Chicago$76$185
Philadelphia--$94
Phoenix$81--
Santa Monica--$262

For Drivers Age Between 40-65

CityAmerican Family Nationwide
Austin--$70
Chicago$72$172
Philadelphia--$82
Phoenix$77--
Santa Monica--$85

For Drivers Age of 65+

CityAmerican Family Nationwide
Austin--$108
Chicago$89$217
Philadelphia--$112
Phoenix$104--
Santa Monica--$88

For Drivers with Average Credit

CityAmerican Family Nationwide
Austin--$105
Chicago$80$207
Philadelphia--$104
Phoenix$87--
Santa Monica--$147

For Drivers with Fair Credit

CityAmerican Family Nationwide
Austin--$87
Chicago$82$185
Philadelphia--$91
Phoenix$89--
Santa Monica--$117

For Drivers with Good Credit

CityAmerican Family Nationwide
Austin--$70
Chicago$73$197
Philadelphia--$90
Phoenix$80--
Santa Monica--$106

For Drivers with Excellent Credit

CityAmerican Family Nationwide
Austin--$83
Chicago$68$144
Philadelphia--$80
Phoenix$72--
Santa Monica--$285

Quotes & Discounts

Discount typeAmerican Family Nationwide
Passive RestraintUp to 30%--
Good StudentUp to 25%Up to 15%
MilitaryUp to 25%--
Senior AdultUp to 25%--
Student Away at SchoolUp to 25%--
Multiple PolicyUp to 15%Up to 25%
Multiple VehicleUp to 13%Up to 20%
OccupationUp to 10%--
Low MileageUp to 8%--
Anti-lock BrakeUp to 5%--
Driving HabitsUp to 5%Varies
Early QuoteUp to 5%--
Electronic Stability ControlUp to 5%--
Home OwnerUp to 5%--
LoyaltyUp to 5%--
New GraduateUp to 5%--
Paid in fullUp to 5%--
Preferred paymentUp to 5%Varies
Provider SwitchUp to 5%--
Sponsored MarketingUp to 5%--
TravelinkUp to 5%--
Accident FreeUp to 3%Varies
Daytime Running LightsUp to 3%--
Paperless documentsUp to 3%Varies
Accident ForgivenessVariesVaries
Anti-Theft DeviceVariesUp to 5%
Defensive DriverVariesUp to 10%
teenSMARTVaries--
Affinity group--Varies
Family--Up to 25%
Farm Bureau--Up to 10%
Good Driver--Up to 10%
Organization--Up to 10%
SmartRide--Up to 10%

Payment Methods

Discount typeAmerican Family Nationwide
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yes--
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
--yes
Mail Payment
yesyes
Mobile App Payments
yes--
Multi-Payment Installment Plans
yesyes
Online Payment
yesyes
Person 2 Person Payment --yes
Phone Payment
yesyes

Features and Services

Features and ServicesAmerican Family Nationwide
24/7 serviceyes--
Enhanced towing & substitute coverageyes--
Mobile appyes--
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAmerican Family Nationwide
Accident Forgiveness
--yes
Accidental Death, Dismemberment, Disability
yes--
Antique or Collector Car Insurance
yesyes
Comprehensive Claim Forgiveness
yes--
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
yes--
Gap Insurance
yesyes
Legal Defense Costs Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
SR-22 Coverage
yes--
Umbrella Policy
yes--
Vanishing Deductible
--yes
Work Loss Coverage
yes--

Online Quoting by State

  • American Family
  • Nationwide
  • Both

Uber and Lyft driver insurance

  • American Family
  • Nationwide
  • Both

Compare Insurance Products

ProductAmerican Family Nationwide
ATV InsuranceATV Insuranceyes--
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyes--
Business InsuranceBusiness Insuranceyes--
Condo InsuranceCondo Insuranceyes--
Farm InsuranceFarm Insuranceyes--
Flood InsuranceFlood Insuranceyes--
Health InsuranceHealth Insuranceyes--
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insuranceyes--
Motorcycle InsuranceMotorcycle Insuranceyes--
Pet InsurancePet Insurance--yes
Renters InsuranceRenters Insuranceyes--
RV InsuranceRV Insuranceyes--
Snowmobile insuranceSnowmobile insuranceyes--
Travel InsuranceTravel Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyes--

User Reviews

  • American Family Reviews
  • Nationwide Reviews
3.4
5 Stars
37 %
4 Stars
12 %
3 Stars
23 %
2 Stars
9 %
1 Star
19 %

Most Positive Review

By Theresa
They have been honest, personable,and easy to communicate with. Their rates are reasonable and automatic payments are a nice way to pay. I only am planning to switch because the location I'm moving to isn't covered by American Family.

Most Critical Review

By dmack
They base adjuster salaries on steering. In the adjuster performance reviews they have a required goal on steering vehicles to CRP shops and if the vehicles aren't repaired at the AmFam shop the adjuster will received a poor performance rating which ties directly to salary and promotional opportunities. Some adjusters will hang up on customers who are reporting a loss if they don't select a CRP as they don't want their performance rating impacted.

All Reviews

Showing 1 - 10 out of 138 Reviews
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Read reviews that mention

Charles
aholes
Tun
Patrick
Melvin
they help me out when nobody else would
Suzanne
We have been satisfied with their service but they are expensive.
Felicia
When I filled a claim I had no follow up from the claim adjuster. I am still waiting for my deductible to be paid back.
Stephanie
They have horrible customer service and the lack of integrity that my insurance agent has is 0
Daile
The customer service
Julia
Very good insurance and have been really happy with my agent and was originally the least expensive. Ive had a couple issues with the call center but not enough for me to really care. Looking to switch only because other companies are having lower prices for me now.
Michael
Price
Showing 1 - 10 out of 138 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.