Ameriprise vs. Nationwide Car Insurance [2021]

When you debate Ameriprise vs. Nationwide car insurance, you will find that Nationwide is more affordable in most situations. Discounts from Ameriprise or Nationwide will help reduce rates. Nationwide car insurance rates are already relatively low, so adding discounts will likely make them the most affordable. For example, Nationwide's bundling discount could save you up to $700 per year.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Aug 3, 2021

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Here's What You Need to Know

  • Ameriprise and Nationwide offer excellent insurance products
  • Ameriprise is now called CONNECT
  • To get Ameriprise insurance, a Costco membership is required
  • Ameriprise and Nationwide look at a number of factors to determine base rates
  • Discounts can help you save money on your Ameriprise or Nationwide car insurance

Deciding to switch insurance companies is common when you are trying to save some money. Comparing Ameriprise vs. Nationwide car insurance is a great place to start. Sure, looking over the Ameriprise Financial car insurance review will give you good information.

However, comparing this company against others is the best way to make sure you are getting great rates. Finding affordable Ameriprise or Nationwide car insurance is easy when you get a glance at what different driving situations will cost.

Continue reading to see if you will get the best rates from Ameriprise or Nationwide. You can also enter your ZIP code here to see free quotes from top car insurance companies in your area.

Does Ameriprise or Nationwide offer better rates?

When you start to look for cheaper Ameriprise or Nationwide car insurance quotes, you need to understand that various factors will impact what you pay. Car insurance companies determine how much risk is taken to insure you and then set your rates.

When insurers are figuring out your risk level, they look at you:

  • Location
  • Annual mileage
  • Driving record
  • Credit report
  • Age
  • Education
  • Claims history

Each one of these categories holds a different weight with each insurance company. So what seems to cost an arm and a leg with one company may not be that big of a deal for another. This is where comparing companies side-by-side comes in handy.

Now we will go through a variety of different driving situations and what the average costs for policies with Ameriprise or Nationwide will cost.

Ameriprise vs. Nationwide: Average Rates Based on Age

It’s not surprising to most people to find out that your age will impact your car insurance rates. Whether reading the Ameriprise or Nationwide car insurance review, you will find that age plays a significant role in how much you pay.

The reason age is so critical in rates is due to experience. Teenage car insurance coverage is very pricey because they are more likely to be involved in an accident. So, if you have a teen driver, comparing rates is essential when trying to save money.

Ameriprise vs. Nationwide Average Monthly Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusAmeriprise (CONNECT) Average Monthly RatesNationwide Average Monthly Rates
Single 17-year-old female$774$480
Single 17-year-old male$887$598
Single 25-year-old female$285$224
Single 25-year-old male$298$241
Married 35-year-old female$263$197
Married 35-year-old male$260$199
Married 60-year-old female$166$178
Married 60-year-old male$168$185
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Unless you are married and over 60-years-old, Nationwide car insurance is more affordable in every category. Keep in mind that once you add discounts, these rates could drop significantly.

Ameriprise vs. Nationwide: Average Rates Based on Credit Score

While your credit score doesn’t impact your rates as much as your age, it still plays a significant role in how much you pay. Car insurance companies believe that the higher your credit score is, the less risky it is to insure you. This means that good credit will equal lower car insurance rates.

So, an easy way to reduce the cost of your car insurance is to work on your credit. If your score improves, you can reach out to your car insurance company and let them know, and it could lead to some decent savings.

Now, here is a look at what your rates may be based on different credit situations. This may help you decide to buy Ameriprise or Nationwide car insurance.

Credit History SummaryAmeriprise Average Monthly RatesNationwide Average Monthly Rates
Poor Credit Score (300-579)$372$133
Fair Credit Score (580-669)$264$105
Good Credit (670-739)$224$103
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Ameriprise vs. Nationwide Average Monthly Car Insurance Rates Based on Credit Score

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Regardless of your credit score, Nationwide is much cheaper. So far, Nationwide offers better rates than Ameriprise in both categories and may be the best choice if you are looking to save money.

Ameriprise vs. Nationwide: Average Rates Based on Driving Record

Your driving record is one of the most crucial points when determining car insurance rates. The fewer infractions you have, the more affordable your rates will be. Each company puts different levels of importance on different types of violations.

We’re going to look at some of the most common driving violations and what Ameriprise and Nationwide may end up charging you for each one.

Ameriprise vs. Nationwide Average Monthly Rates Based on Driving Record
Driving Record Ameriprise Average Monthly RatesNationwide Average Monthly Rates
Clean Driving Record$224$229
With 1 Speeding Violation$252$259
With 1 Accident$310$357
With 1 DUI/DWI$361$478
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There is no clear winner in this category. For some infractions, Ameriprise is more forgiving. In comparison, other offenses are less frowned upon by Nationwide. So, depending on what is on your driving record will help you determine where you will get the better rate.

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Which company has better customer satisfaction ratings, Ameriprise or Nationwide?

When you choose the Ameriprise or Nationwide car insurance company, you want to know they will be in your corner. From finding Ameriprise advisors near you or locating the Nationwide auto insurance phone number, you want it to be simple.

Both of these companies have decent reviews when it comes to customer satisfaction. However, people seem to be happier with their experiences with Ameriprise.

It has been noted that Ameriprise customer service is easy to get ahold of, and they genuinely seem to care about whatever issues you are facing. This leads consumers to feel confident in reaching out to Ameriprise for help.

Consumers also seem fairly happy with their experience with Nationwide. While they don’t rank quite as highly as Ameriprise, there is a lot of positive feedback about customer service experiences. This includes times when customers were trying to file claims or need general help.

Now that you have compared Ameriprise vs. Nationwide car insurance rates, you should be able to decide if either of these companies is for you.

Now that you’ve finished this Ameriprise vs. Nationwide car insurance review, check out free quotes from some of the best insurance companies near you by entering your ZIP code here.

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