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.
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 |
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 |
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 | ||
| Multiple Policies | ||
| Multiple Vehicles | ||
| Anti-Theft Device(s) | ||
| Anti-Lock Brake System | ||
| Air Bags | ||
| Good Driver | ||
| Defensive Driver | ||
| Student Away at School | ||
| Driver Training | ||
| Green Vehicles | ||
| Affinity Membership Alum | ||
| Advanced Purchase | ||
| Pay in Full | ||
| Home Owner | ||
| eSign or ePay | ||
| Telematics | ||
| New Vehicle | ||
| Annual Mileage | ||
| Military |
| Ratings Comparison | Nationwide | Amica Mutual Insurance |
|---|---|---|
| Financial Strength | Superior | Superior |
| JD Power Rankings | ||
| User Satisfaction | A+ | A+ |
| Other Products | Nationwide | Amica Mutual Insurance |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Nationwide | Amica Mutual Insurance |
|---|---|---|
| About | Auto insurance from Nationwide gives you peace of mind. When you choose an On Your Side Auto Repair Network® facility, you can get a written guarantee on your car repairs. With our On Your Side Claims® Service, you also get personal service like the On Your Side® Review, an annual check-in with your insurance professional to review your coverage. And with multi-policy and other discounts, such as the SmartRide® and SmartMiles® usage-based programs, you get peace of mind and value. | 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. |
| Recent Questions | Can I get an EMT discount with Nationwide? To my knowledge, Nationwide does offer discounts to EMT but I'm not 100% if there are any specifics to the state of California. Because car insurance is regulated at the state, there could be some implications regarding California's state legislator that would prohibit employment status being considered. What's the ADOT code for NationwideThe ADOT code for Nationwide would be listed on your policy documents. But for Nationwide, it is 0014. Is accident forgiveness a good idea for me?You might be a good contender for this policy option. Most lease contracts will require you to keep the vehicle in good condition. See More Questions | Should I drop my 25yo son from insurance? To answer your first question, will removing your son from the policy help decrease your premium, it depends. Some companies are going to charge you because the claim was made on your policy so your rates can still be impacted at renewal, even if you take your son off the policy. Should I get my insurance company involved or pay for the damage myself if I backed into a tree?It will ultimately depend on your deductible and the extent of the damage. Unfortunately, backing into a tree will be considered an "at-fault" accident if you file a claim with your insurance company. See More Questions |
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