Compare Farmers vs. Nationwide Insurance

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Which Company Will Save You the Most Money?

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Farmers and Nationwide are both incredibly popular insurance companies. Both have been around for ages--Nationwide since 1925 and Farmers since 1928--and both are well known for their humorous TV ads and catchy jingles. That’s not to say they’re similar in every way. Nationwide has a great claims process and offers reasonable premiums. Farmers provides a wide range of auto discounts and extensive policy options.

However, American Family isn’t great at responding to complaints and claims, and Farmers is lacking when it comes to online tools. So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Farmers Nationwide
Best If Farmers
  • You want a lot of coverage and vehicle discounts, or if you are accident-prone
Nationwide
  • You want a fast and fair claims process
Worst If Farmers
  • You want slick online tools to manage your policy
Nationwide
  • You want strong online or mobile services

Special Car Insurance Discounts

Farmers Nationwide
Farmers

Farmers Inner Circle is an exclusive information hub for Farmers customers. It provides tips and resources for saving money on insurance and how to keep your premiums from increasing. 

Nationwide

Paperless Documents
Nationwide has a unique discount that saves customers money and saves the company (and the planet) paper. Going paperless simply means transferring all the mail, bills, or documents you’d otherwise receive in the mail over to e-mail. It’s a convenient way to save paper and keep better track of your important insurance documents. Read more about this discount here.

Standard Car Insurance Discounts

Bundling Coverage Discounts Farmers Nationwide
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Farmers Nationwide
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Farmers Nationwide
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Farmers Nationwide
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Farmers Nationwide
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Farmers Nationwide
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Farmers Car Insurance Nationwide Car Insurance
2016 167 53
2015 262 112
2014 237 90
2013 300 134

U.S. Auto Insurance Shopping Study (2016)

Farmers Car Insurance Nationwide Car Insurance
Overall Purchase Experience Average Average
Policy Offerings Average Average
Pricing Average Average
Local Agent Average Average
Call Center Representative -- Average
Insurer Website Below average Average

U.S. Auto Insurance Claims Satisfaction Study (2015)

Farmers Car Insurance Nationwide Car Insurance
Overall Satisfaction Average Above average
First Notice of Loss Average Above average
Service Interaction Above average Above average
Appraisal Average Above average
Repair Process Average Above average
Rental Car Experience Average Average
Settlement Average Average

Financial Strength Ratings

Farmers Car Insurance Nationwide Car Insurance
A.M. Best A A+
Moody's Aa3 A1
S&P's A+ A+

Mobile Apps

Farmers Nationwide
Farmers

The Farmers Insurance Mobile App helps customers manage their insurance on the go. With its quick access, you can instantly view ID cards, connect with your agent, and pay your monthly premiums in one place and with one touch. The app also lets you view the details of your coverage policy, get updates from a message center, and have instant access with a “Keep Me Logged In” feature. Download the app here.

Nationwide

The Nationwide Mobile App allows you to pay your bills, file or view a claim, get in touch with your agent, and much more all with a single touch. To download the app, click here.

Nationwide Mobile Banking App can be downloaded to your web browser or your mobile phone. The app grants you access to your Nationwide bank accounts and lets you stay on top of your insurance related finances. From the comfort of your home or convenience of your phone you can deposit checks or pay insurance bills. For more information and to download the Mobile Banking App, click here.

Roadside Assistance

Farmers Nationwide
Farmers

Farmers Towing & Roadside Assistance

Covers roadside services up to $150

Services covered:

  • Emergency towing
  • Dead battery
  • Tire change
  • Lockout
  • Winching
  • Emergency roadside connect – to access police, fire, and medical assistance

Farmers Towing & Roadside Assistance works with over 20,000 road services facilities. If you choose to select your own roadside service that is out of Farmers network, you will have to file a claim for reimbursement up to $150.

Farmers’ Roadside Emergency Safety is available by calling 1 (800) 435 -7764. Its roadside service is available by clicking here. Its Roadside Emergency Safety program can help you with an emergency tow, jump start, flat tire, lockout assistance, roadside winching, and ambulance services. 

Nationwide

Nationwide Roadside Assistance

Nationwide Roadside Assistance offers two levels of coverage that apply to everyone on your policy, regardless of who's car you might be in.

Nationwide Roadside Assistance Basic

Services covered:

  • Towing up to 15 miles
  • Winching
  • Gas delivery
  • Battery service
  • Lockout service up to $100
  • Tire replacement

Nationwide Roadside Assistance Plus

Covers all the services of the basic plan plus:

  • Towing up to 100 miles
  • Trip interruption coverage that will reimburse the cost

Contact Phone Number

Nationwide’s Roadside Emergency Service is available by calling 1 (800) 421-3535. Its roadside service website is here. This service can help if: you’re locked out, you need a jumpstart, you get a flat tire, you need gas delivered, or if need a tow.