Nationwide vs Amica: Which is Better for You?

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Nationwide or Amica Mutual Insurance: Which company is best for you?

Picking a car insurer can be tough: companies' rates may vary by location, age, and driving history, and every company's discounts differ. Nationwide and Amica are counted among the US' most popular insurance companies, offering affordable policies across large swaths of the US.

To simplify the process of comparing insurance companies, we gathered average premiums from Amica and Nationwide. These take into consideration a variety of rating factors, including credit rating, driving history, and age. Take a look at these rates and find your next car insurance policy today.

Looking for in-depth analysis? Check out our full reviews of Nationwide and Amica.


Nationwide vs. Amica: by credit level

If you have extremely bad credit, Nationwide could be the way to go. On average, Nationwide offers cheaper premiums than Amica for prospective clients with credit scores of lower than 580. Insurance shoppers with exceptional credit — a score of 800 or better — should lean toward Nationwide, which typically beats Amica by $20 annually. Check out common insurance rates by credit tier for Amica and Nationwide below.

Credit score Nationwide avg. annual premium Amica avg. annual premium
Very Poor (300-579) $1,593 $2,010
Fair (580-669) $1,262 $1,389
Good (670-739) $1,283 $1,352
Very Good (740-799) $1,109 $1,174
Exceptional (800-850) $1,037 $1,057

Nationwide vs. Amica: by citation

If you have an at-fault accident, ticket, reckless driving violation, or DWI on your record, Amica could be a better choice than Nationwide. Every insurer prices policies differently after a violation, so don't be afraid to shop around to figure out which insurer is best for you.

Violation Nationwide avg. annual premium Amica avg. annual premium
At-fault accident (damage < $1,000) $1,836 $1,646
At-fault accident (damage > $1,000) $1,475 $1,152
DUI/DWI $2,691 $3,356
Reckless driving $2,508 $2,761
Speeding ticket $1,469 $1,390

Nationwide vs. Amica: by age

Insurance companies use a driver's age as an estimator of risk, assigning rates accordingly. An auto insurance policy is commonly most expensive for drivers younger than 25 — due to their inexperience — and more affordable for older drivers. Since each insurance company rates age brackets in a different way, it's wise to compare rates and find a suitable policy.

As a general rule, teen drivers should choose Nationwide instead of Amica: NATIONWIDE offers average yearly savings of $1,742 versusAmica.

Age bracket Nationwide avg. annual premium Amica avg. annual premium
Teens $3,624 $5,366
20s $1,582 $1,631
30s $1,163 $1,631
40s $1,151 $1,151
50s $1,114 $1,105
60s $1,028 $1,066

Finances aside, Nationwide and Amica both have pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

Discount Comparison Nationwide Amica Mutual Insurance
Good Student supported supported
Multiple Policies supported supported
Multiple Vehicles supported
Anti-Theft Device(s) supported supported
Anti-Lock Brake System supported
Air Bags supported
Good Driver supported
Defensive Driver supported supported
Student Away at School supported
Driver Training supported
Green Vehicles supported
Affinity Membership Alum supported
Advanced Purchase
Pay in Full supported
Home Owner
eSign or ePay
New Vehicle
Annual Mileage
Ratings Comparison Nationwide Amica Mutual Insurance
Financial Strength Question mark icon Superior Superior
JD Power Rankings Question mark icon Average Excellent
User Satisfaction Question mark icon 4.3/5 4.3/5
Other Products Nationwide Amica Mutual Insurance
Boat Insurance supported supported
Condo Insurance supported supported
Life Insurance supported supported
Homeowners Insurance supported supported
Travel Trailer Insurance supported
Renters Insurance supported supported
RV Insurance supported
Motorcycle Insurance supported supported
Mobile Home Insurance
Other Features Nationwide Amica Mutual Insurance
About Auto Insurance from Nationwide gives you peace of mind when you're on the road. Save money without sacrificing coverage by participating in one of our usage-based discount programs, and save even more with multi-policy discounts. With our On Your Side Claims® Service, you'll get a written guarantee on repairs and a choice of qualified car repair shops you can trust. At Amica Mutual Insurance, you'll be protected with an affordable auto policy that's customized to fit your needs, complete with unbeatable customer service.
Roadside Assistance Nationwide's Roadside Assistance is available in select states. Two levels of emergency Roadside Assistance coverage—Basic and Plus—are available. Nationwide Roadside Assistance Basic applies to everyone on your policy, in any car you might occupy with coverage that includes towing up to 15 miles, ditch extraction service, emergency fuel, battery jump-start, locksmith services up to $100 and tire changes. Nationwide Roadside Assistance Plus includes all the previously listed services in addition to a tow up to 100 miles and trip interruption coverage that may reimburse your expenses up to $500 for alternate transportation, lodging and meals if you find yourself broken down 100 or more miles from home. Amica's roadside assistance program is available 24 hours a day to help with jump-starting a dead battery, changing a flat tire, delivering fuel if you run out of gas, and a towing up to 15 miles to the nearest repair facility.
Additional Discounts Nationwide offers additional savings through a Family Discount, which allows you to share discounts with members of your family. Amica offers additional discounts for "loyalty", a "tenure" discount for the length of time you were with your prior company, and a legacy discount to drivers under 30 who were covered by Amica on a family member's policy.
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