American Family vs. Nevada General: Which Company is the Best Fit for You?

Quick Facts

• In general, American Family offers significantly more affordable rates than Nevada General
• American Family tends to be a much cheaper option for policyholders who live in rural neighborhoods
• Nevada General has less expensive premiums in NV

American Family or Nevada General: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering big savings. But exactly how much can you save by switching?

You might have narrowed your search down to American Family or Nevada General as potential options, but which carrier will save you the most?

Looking at nationwide averages, American Family has average rates that are around 45% a month cheaper than those from Nevada General.

However, American Family may not be the most affordable or best option for every driver out there. Auto insurance carriers use all sorts of complex algorithms to determine rates, so depending on where you live or how old you are (among a bunch of other factors), you could see wildly different premiums from the ones above.

Wanting to know if American Family or Nevada General is really the right carrier for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

American Family vs. Nevada General: Average Car Insurance Rates by State

American Family and Nevada General only compete against each other in Nevada, where Nevada General offers the cheaper average rates. Nevada General drivers tend to pay about $31 per month less on average compared to drivers who use American Family for their car insurance.

There's a lot more that goes into your auto insurance payment than just where you live. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for insurance compared to older drivers. The reason is that teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

That being said, that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of almost 50% less a month by choosing American Family over Nevada General. It's worth noting that American Family offers insurance in 16 different states compared to Nevada General's one, which can skew the average premiums a bit, but the difference here is still considerable.

But both companies will lower prices by the time you turn 25. Nevada General offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, American Family still has the lowest premiums at $121 a month.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the cheapest auto insurance prices you can find. After all, they've likely been driving for quite some time, which normally lowers their chances of collisions and other infractions that can raise rates.

When looking at American Family and Nevada General specifically, which company is best for retired drivers? American Family gets the edge here, with average premiums coming in at about $107 per month compared to Nevada General's $188.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly less expensive insurance rates than single drivers. That's typically because married couples tend to own and insure more than one vehicle, which can often earn you a discount.

For those who are single, the difference in average prices between these two carriers is significant, with American Family premiums coming in at around half of Nevada General's. The advantage is also clear for married policyholders - American Family offers the lowest average rates.

American Family or Nevada General: Average Rates by Gender

Because women are less likely to get tickets and get into accidents, they have a decreased chance of filing a claim with insurance. So, insurance companies will often charge women less than men.

Normally, men see prices about $5 per month higher with American Family, but with Nevada General, the difference is closer to $5 a month.

Looking at the data for each carrier specifically, American Family comes out on top for both men and women. On average, male drivers save about $108 per month and women save around $108 with American Family compared to the average Nevada General policyholder.

American Family vs. Nevada General: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Car insurance can be a complicated subject for most people. There are a bunch of different coverages that account for a range of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

Even so, most policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers and passengers if you cause an accident) and full coverage (which normally refers to having collision and comprehensive coverages alongside what you get with a liability policy).

Looking specifically at state minimum liability limits, American Family has the significant edge, with average monthly premiums coming in at $96. If you want a full coverage policy with the same state minimum limits, American Family again has the edge, with policies averaging about $185 a month to Nevada General's $348.

Is American Family or Nevada General Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that speeding tickets and accidents lead to higher rates, but which company -- American Family or Nevada General -- has the most affordable prices for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use American Family for their insurance can typically expect their monthly bill to go up around 20% after getting a speeding ticket. Nevada General policyholders can expect a less drastic increase of about 10%.

However, American Family has more affordable rates for drivers in both categories, offering prices that are 44% and 36% cheaper, respectively, compared to Nevada General Insurance Company.

Which Company is Best for Drivers After an Accident?

American Family drivers who get in a collision can expect to see their premiums increase by $20, while those who have insurance through Nevada General will see around a $50 increase.

At the end of the day, American Family offers the cheapest rates for drivers with an at-fault collision on their records, with average premiums coming in at $138 compared to Nevada General Insurance Company's $257.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your car insurance bill. Nevada General drivers usually see a 30% raise in their auto insurance prices after a DUI charge, while American Family will usually increase rates by about 25%.

American Family has the overall most affordable prices for drivers with a DUI on their records at $158 monthly, but it's worth noting that American Family's average rates come from 16 states compared to just one for Nevada General, so the data may be skewed slightly.

How does Credit Score Impact American Family and Nevada General Rates?

You may not realized it, but your credit score can be used as one of the variables to calculate your monthly car insurance premiums. Certain states and carriers do not allow for credit score to be used as a car insurance factor, but it might come into play for lots of policyholders.

The reasoning auto insurance companies use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will generally be forced to pay more.

So, which carrier offers the lowest rates for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, American Family will normally reward you the most. For drivers with "excellent" credit scores, American Family comes in nearly 59.84 more affordable. Drivers with "good" credit scores typically save around 52% with American Family compared to average premiums from Nevada General.

Which Company is Best for Drivers with Bad Credit?

American Family typically offers lower prices than Nevada General when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 43% per month less with American Family compared to Nevada General, and those with "poor" scores generally save an average of around 19% a month.

Is American Family or Nevada General Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a pretty big impact on how much insurance carriers will charge for coverage? Usually, the more milage you put on your car each year, the more you can expect to pay for coverage.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Nevada General charges. However, there's a small difference in monthly rates for American Family, with policyholders who drive 6,000 miles yearly paying about $5 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, American Family is the less expensive company.

American Family or Nevada General: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a considerable impact on your monthly car insurance cost. Normally, those who live in urban areas will pay more than policyholders in rural areas since there are a lot more vehicles on the road where they live, which increases the chances of an accident.

American Family boasts the cheapest average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, American Family Insurance's average premiums are around $181 less than Nevada General Insurance Company. People who live in suburban areas pay about $57 less with American Family compared to Nevada General. Those in rural areas can expect to save around $88 with American Family compared to Nevada General.

American Family vs. Nevada General Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can. That's where insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be hard to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both American Family and Nevada General so that you can see which company can save you the most money each month.

American Family knocks Nevada General out of the park when it comes to the sheer number of discounts available, offering 21 different discounts to Nevada General's nine.

There are a couple discounts both companies offer, but American Family also offers discounts for advance quote, anti-theft, connect partner, and more.

On the other hand, Nevada General has a few proprietary discounts of their own for things like agency transfer discounts, driver training discounts, online quote discounts, and more.

Final Thoughts: Is American Family or Nevada General Best for You?

So, we've broken down the average prices for many of the factors auto insurance carriers look at, and walked through the different discounts each carrier offers, too. That's all well and good, but at the end of the day, which company is the best one for you and your specific profile and needs?

American Family might be best for you if....

• You will be the only person on the insurance policy.
• You're looking for the best rates on liability only coverage.
• You're married and plan to have both of your names on the vehicle's car insurance policy.

Nevada General might be best for you if...

• You live in one of the following states: Nevada.

Hopefully, this guide helps you get a good idea of the differences between American Family and Nevada General. We also hope we've given you the information you need to make the best decision when it comes to your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several companies, not just American Family and Nevada General. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.

American Family vs. Nevada General FAQs

Is American Family or Nevada General cheaper?

American Family is the cheaper of the two companies when looking at national average premiums, with policies averaging $140 a month with American Family and $249 for Nevada General. That being said, that doesn't mean American Family will be the lowest carrier for everyone, since there are several different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, American Family or Nevada General?

Sadly, the answer truly is "it depends.". No one company is "better" for everyone -- it all depends on what your unique auto insurance profile looks like.

Why do American Family and Nevada General offer me different rates?

Car insurance carriers use many different factors when determining the prices they charge. Variables like age, gender, your driving record, where you call home, and sometimes even things like your credit score can all be taken into consideration. Both American Family and Nevada General calculate premiums using different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from multiple different companies.

How do I know if American Family or Nevada General is right for me?

The only way to find the insurance company that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the cheapest rate. And maybe you'll find that the best carrier for you isn't American Family or Nevada General at all, but another you hadn't even thought of!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.