Nationwide vs Amica Mutual Insurance Car Insurance

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Nationwide or Amica Mutual Insurance:
Which Company is Best for You?

Choosing an auto insurance company is sometimes difficult: rates may vary by location, age, and driving history, and every company provides a different set of discounts. Nationwide and Amica are among the most popular insurance companies, offering competitively priced coverage across many states.

To help simplify the process of comparing insurance companies, we've gathered average premiums from Amica and Nationwide. These cover myriad pricing components, chief among which are credit, driving behavior, and age. Check out the below rates and find the right policy for you.


Compare Nationwide vs. Amica auto insurance rates


Nationwide vs. Amica: pricing by credit score

If you have very poor credit, Nationwide could be preferable to Nationwide. On average, Nationwide offers more affordable rates than Amica for drivers with credit scores of less than 580. Drivers with exceptional credit — a score of 800 or better — should lean toward Nationwide, which typically beats Amica by $20 annually. Check out average insurance rates by credit score for Amica and Nationwide below.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Amica VS. Nationwide
Credit levelNationwide 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're dealing with an at-fault accident, ticket, reckless driving citation, or DWI on your driving résumé, Amica could be a better choice than Nationwide. Every insurance company prices policies differently after a violation, so it's worth comparing quotes to understand which insurance company suits you.


HIGH-RISK INSURANCE RATE COMPARISON: Amica VS. Nationwide
InfractionNationwide 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 bracket

Insurers rely on age to outline risk potential, pricing policies on a sliding scale. Auto insurance is often priciest for teens — due to their increased odds of being involved in an accident — and most affordable for middle-aged drivers. Because every car insurance company evaluates age brackets uniquely, it's worth comparing rates and shopping around.

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


COMPARING AUTO INSURANCE RATES BY AGE: Amica VS. Nationwide
Age tierNationwide 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

Aside from finances, Nationwide and Amica come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Dive into the data before making your decision.

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
4 out of 5
4 out of 5
User Satisfaction

A+

A+

Other ProductsNationwideAmica Mutual Insurance
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
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.
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Compare MoreNationwide vs. 21st Century Nationwide vs. Allstate Nationwide vs. American Family Nationwide vs. Auto Club (AAA) Nationwide vs. Erie Nationwide vs. Esurance Nationwide vs. Farmers Nationwide vs. Foremost Nationwide vs. GEICO Nationwide vs. Infinity Nationwide vs. Liberty Mutual Nationwide vs. Mercury Nationwide vs. MetLife Nationwide vs. Progressive Nationwide vs. Root Nationwide vs. SAFECO Nationwide vs. Safe Auto Nationwide vs. State Farm Nationwide vs. The General Nationwide vs. The Hartford Nationwide vs. Travelers Nationwide vs. USAAAmica Mutual Insurance vs. 21st Century Amica Mutual Insurance vs. Allied Amica Mutual Insurance vs. Allstate Amica Mutual Insurance vs. American Family Amica Mutual Insurance vs. Auto Club (AAA) Amica Mutual Insurance vs. Erie Amica Mutual Insurance vs. Esurance Amica Mutual Insurance vs. Farmers Amica Mutual Insurance vs. Foremost Amica Mutual Insurance vs. GEICO Amica Mutual Insurance vs. Infinity Amica Mutual Insurance vs. Liberty Mutual Amica Mutual Insurance vs. Mercury Amica Mutual Insurance vs. MetLife Amica Mutual Insurance vs. Progressive Amica Mutual Insurance vs. SAFECO Amica Mutual Insurance vs. Safe Auto Amica Mutual Insurance vs. State Farm Amica Mutual Insurance vs. The General Amica Mutual Insurance vs. The Hartford Amica Mutual Insurance vs. Titan Amica Mutual Insurance vs. Travelers Amica Mutual Insurance vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
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Nationwide vs Amica Mutual Insurance

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