Farmers vs Nationwide
Last updated July 2026
Farmers
We know a thing or two because we've seen a thing or two
Advantages
- Signal by Farmers telematics offers discounts up to 15% for safe driving
- Rideshare coverage available in most states without a separate policy
- Strong farm, ranch, and specialty vehicle coverage where competitors are thin
- Accident forgiveness and diminishing deductible available
- Deep bundling with home, renters, life, and umbrella
Drawbacks
- Base rates tend to be higher than State Farm for most driver profiles
- J.D. Power satisfaction scores trail State Farm in most regions
- Not available in every state, notably not in Alaska, Hawaii, or most of the Northeast
Nationwide
On your side, and increasingly online
Advantages
- SmartRide telematics gives up to 40% off for consistently safe drivers
- Vanishing Deductible cuts your deductible by $100 each claim-free year
- Multi-policy discounts stack well when bundling auto with home or renters
- Accident forgiveness available as an add-on for eligible drivers
- Roadside assistance and rental car coverage are affordable add-ons
Drawbacks
- Not available in every state, notably Alaska, Hawaii, Louisiana, and Massachusetts
- Base rates can trail Geico or Progressive for younger or single-policy drivers
- Agent quality varies widely by region
Farmers and Nationwide both play in auto insurance, but they're aimed at different buyers. Farmers is built for drivers with specialty vehicles, farm coverage needs, or existing Farmers bundles. Nationwide is built for drivers who want strong telematics savings and plan to bundle multiple policies. Which one fits depends on which of those descriptions sounds more like you.
Feature Comparison
| Feature | Farmers | Nationwide |
|---|---|---|
| Typical Monthly Cost | Avg $155-$210/mo before bundling | Avg $130-$185/mo before bundling |
| Quote Process | Local agent, online, or phone | Local agent, online, or phone |
| Available Discounts | Signal, multi-policy, homeowner, good student, safe driver | SmartRide, multi-policy, safe driver, accident-free, good student |
| Claims Experience | 24/7 phone, app, or agent-assisted | 24/7 phone, app, and agent-assisted |
| Customer Support | Local agents, phone, app, online | Local agents, phone, app, online chat |
| Coverage Options | Liability, collision, comprehensive, custom equipment, rideshare | Liability, collision, comprehensive, gap, roadside, rental car |
| Mobile App Quality | Good, ID cards, claims, Signal, payments | Good, ID cards, claims, payments, SmartRide |
| Bundling Options | Auto, home, renters, life, umbrella, farm, small business | Auto, home, renters, life, pet, umbrella |
Nationwide Wins
Nationwide takes it overall (8/10 vs 7/10), but Farmers is still the sharper pick for drivers with specialty vehicles, farm coverage needs, or existing Farmers bundles.
Nationwide's standout strength: SmartRide telematics gives up to 40% off for consistently safe drivers. Its biggest drawback (not available in every state, notably Alaska, Hawaii, Louisiana, and Massachusetts) is easier to live with than Farmers's (base rates tend to be higher than State Farm for most driver profiles). Farmers isn't out of the running though — its own standout strength is signal by Farmers telematics offers discounts up to 15% for safe driving. If you fit the profile of drivers with specialty vehicles, farm coverage needs, or existing Farmers bundles, that alone can flip the decision.
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