Nationwide vs Amica Mutual Insurance Car Insurance

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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.


Compare Nationwide vs. Amica auto insurance rates


Nationwide vs. Amica: prices 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.


RATES BY CREDIT LEVEL: Amica VS. Nationwide
Credit scoreNationwide avg. annual premiumAmica 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: rates after infractions

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.


HIGH-RISK INSURANCE RATE COMPARISON: Amica VS. Nationwide
ViolationNationwide avg. annual premiumAmica 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: rates 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.


RATES BY AGE: Amica VS. Nationwide
Age bracketNationwide avg. annual premiumAmica 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 ComparisonNationwideAmica 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 ComparisonNationwideAmica Mutual Insurance
Financial Strength SuperiorSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
User Satisfaction

A+

A+

Other ProductsNationwideAmica Mutual Insurance
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Motorcycle Insurance
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Other FeaturesNationwideAmica Mutual Insurance
AboutNationwide demonstrates customer appreciation and respect through dedicated, licensed professionals and superior claim service.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 AssistanceNationwide'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 DiscountsNationwide 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 QuestionsWhat's the ADOT code for Nationwide
The ADOT code for Nationwide would be listed on your policy documents. But for Nationwide, it is 0014.
Will an insurance company tell me if someone has paid a loan off?
Unfortunately an insurance company is not able to get information on another person's loan status due to privacy laws. Typically when a loan is fully paid off for a vehicle, then the title is transferred to the owner, who should then turn it over to you with the vehicle.
I was rear-ended but the driver drove off before we exchanged information
The safest course of action would be to contact your insurance company with all the information possible. Including the police report and the at-fault driver's license plate information.
If I hit an uninsured driver, can he go after me for damages?
Georgia isn't a "No-Pay No-Play" state, so if the insured driver is considered to be at-fault for the crash then the not at-fault party's insurance status does not have a bearing on any claims payout. Long story short, they can claim their vehicle damage and injuries if the other driver is at-fault.
See More Questions
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Nationwide vs Amica Mutual Insurance

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