Amica vs Nationwide Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

Amica
95
What is this?

Insurify Composite Score

Nationwide
89
What is this?

Insurify Composite Score

Amica VS Nationwide
95
89
What is this?
User Ratings
OptionsAmica Nationwide
Rating/Reviews
251 reviews
3,848 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAmica Nationwide
Call Center RepresentativeAbout averageThe rest
Insurer WebsiteAbout averageAmong the best
Local AgentAmong the bestBetter than most
Overall SatisfactionBetter than mostAbout average
Policy OfferingsBetter than mostBetter than most
PricingBetter than mostAbout average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAmica Nationwide
Claim ServicingAmong the bestAbout average
Estimation ProcessBetter than mostBetter than most
First Notice of Loss (FNOL)Among the bestBetter than most
Overall SatisfactionAmong the bestAbout average
Rental ExperienceAbout averageBetter than most
Repair ProcessBetter than mostBetter than most
SettlementAmong the bestAbout average
J.D. Power Ratings by Region (out of 1000)
RegionAmica Nationwide
California--796 pt
About average
Central--803 pt
The rest
Florida--793 pt
The rest
Mid-Atlantic--823 pt
The rest
New England879 pt
Among the best
817 pt
About average
New York--806 pt
The rest
North Central--815 pt
The rest
Northwest--782 pt
The rest
Southeast--823 pt
About average
Southwest--805 pt
The rest
Texas--813 pt
The rest
Mobile App Ratings
RegionAmica Nationwide
Android
361 Reviews
1,829 Reviews
iOS
9 Reviews
40 Reviews
Financial Ratings
OptionsAmica Nationwide
A.M. BestA+A+
Moody's--A1
Standard & Poor's--A+

Auto Insurance Quotes

For Married Drivers

CityAmica Nationwide
Austin--$73
Chicago--$184
Philadelphia--$87
Santa Monica--$96

For Single Drivers

CityAmica Nationwide
Austin--$99
Chicago--$183
Philadelphia--$96
Santa Monica--$231

For Male Drivers

CityAmica Nationwide
Austin--$84
Chicago--$185
Philadelphia--$90
Santa Monica--$215

For Female Drivers

CityAmica Nationwide
Austin--$88
Chicago--$182
Philadelphia--$93
Santa Monica--$112

For Drivers with Speeding Ticket

CityAmica Nationwide
Austin--$115
Chicago--$285
Philadelphia--$102
Santa Monica--$270

For Drivers with No Speeding Ticket

CityAmica Nationwide
Austin--$80
Chicago--$161
Philadelphia--$90
Santa Monica--$141

For Drivers Age Between 18-40

CityAmica Nationwide
Austin--$97
Chicago--$185
Philadelphia--$94
Santa Monica--$262

For Drivers Age Between 40-65

CityAmica Nationwide
Austin--$70
Chicago--$172
Philadelphia--$82
Santa Monica--$85

For Drivers Age of 65+

CityAmica Nationwide
Austin--$108
Chicago--$217
Philadelphia--$112
Santa Monica--$88

For Drivers with Average Credit

CityAmica Nationwide
Austin--$105
Chicago--$207
Philadelphia--$104
Santa Monica--$147

For Drivers with Fair Credit

CityAmica Nationwide
Austin--$87
Chicago--$185
Philadelphia--$91
Santa Monica--$117

For Drivers with Good Credit

CityAmica Nationwide
Austin--$70
Chicago--$197
Philadelphia--$90
Santa Monica--$106

For Drivers with Excellent Credit

CityAmica Nationwide
Austin--$83
Chicago--$144
Philadelphia--$80
Santa Monica--$285

Quotes & Discounts

Discount typeAmica Nationwide
Multiple VehicleUp to 25%Up to 20%
Anti-Theft DeviceUp to 15%Up to 5%
Good StudentUp to 10%Up to 15%
Low MileageUp to 10%--
Multiple PolicyUp to 10%Up to 25%
Student Away at SchoolUp to 10%--
Anti-lock BrakeUp to 5%--
Accident ForgivenessVariesVaries
Claims Free RenewalVaries--
Defensive DriverVariesUp to 10%
Driving trainingVaries--
E-billingVaries--
Electronic Stability ControlVaries--
FamilyVariesUp to 25%
Good DriverVariesUp to 10%
LoyaltyVaries--
Paid in fullVaries--
Paperless documentsVariesVaries
Preferred paymentVariesVaries
Provider SwitchVaries--
Accident Free--Varies
Affinity group--Varies
Driving Habits--Varies
Farm Bureau--Up to 10%
Organization--Up to 10%
SmartRide--Up to 10%

Payment Methods

Discount typeAmica Nationwide
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yes--
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
--yes
Mail Payment
yesyes
Multi-Payment Installment Plans
--yes
Online Payment
yesyes
Person 2 Person Payment --yes
Phone Payment
yesyes

Features and Services

Features and ServicesAmica Nationwide
24/7 serviceyes--
Accident forgivenessyes--
Diminishing deductibleyes--
Enhanced towing & substitute coverageyes--
Flexible / convenient paymentsyes--
Mobile appyes--
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes
Text and email alertsyes--

Optional Coverages

Optional CoveragesAmica Nationwide
Accident Forgiveness
yesyes
Accidental Death, Dismemberment, Disability
yes--
Airbag Replacement Coverage
yes--
Antique or Collector Car Insurance
--yes
Comprehensive Claim Forgiveness
yes--
Electronic Key & Lock Replacement
yes--
Gap Insurance
--yes
Glass Coverage yes--
Platinum Choice Auto
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
yes--
Vanishing Deductible
--yes

Online Quoting by State

  • Amica
  • Nationwide
  • Both

Compare Insurance Products

ProductAmica Nationwide
Car InsuranceCar Insuranceyesyes
Condo InsuranceCondo Insuranceyes--
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyesyes
Marine InsuranceMarine Insuranceyes--
Motorcycle InsuranceMotorcycle Insuranceyes--
Pet InsurancePet Insurance--yes
Renters InsuranceRenters Insuranceyes--
Small Business InsuranceSmall Business Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyes--

User Reviews

  • Amica Reviews
  • Nationwide Reviews
3.6
5 Stars
57 %
4 Stars
6 %
3 Stars
7 %
2 Stars
4 %
1 Star
26 %

Most Positive Review

By Billy
I've NEVER NEVER EVER HAD NO BAD EXPERIENCE WITH ( AMICA ) They've always been kind with the local office an the outside customer service operators when I've ever had a question about my policy. I'm not really looking to change to somewhere else. I do get curious at times just to see if anyone else is cheaper than Amica, so far no one else has been able to beat Amica so I'm sticking with Amica. Thank You For Having the Best an Greatest Coverage on my vehicle an home. Keep up the GREAT WORK :)

Most Critical Review

By Lauren
If I could give zero stars, I would. We spoke with a representative [Michael Young] and he got us set up for a policy on a house we're planning to close on. We waited for confirmation on the policy, and waited, and waited. As the closing date approached, we received a call from him saying to give him a call back, no big deal. We did, no return call. Tried multiple times over the next four days. Nothing. Sent emails, called again. Find out through another call [again still can't get a hold of Michael] that they just need confirmation that we'll handle a small bit of left over mold [which our inspector said was not a problem] withing 30 days of closing. Sure thing! We'll handle that. Meanwhile, our loan officer is trying to get a hold of them as well to finalize details. Finally get a call TWO DAYS before closing to hear they will not be able to insure us. Thanks AMICA for making home buying so stressful! We'll be sure to let everyone know how "helpful" you are.

All Reviews

Showing 1 - 10 out of 251 Reviews
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Read reviews that mention

Cheryl
The service
Justin
Ronnie
To get a cheaper rate.
Jerome
Jerome
hong
Good company ! I was a customer of Amica for 10 + years. I had both auto and home insurance with them. They always always great! Very professional ! Good service
DavidNC
Bought a house last year in Wilmington, NC and insured it with Amica as they had the best premium price for my older home. Hurricane Florence rolled through last fall and now they are trying up my premiums by more than 50% because I made a legitimate claim. Basically they are more or less trying to drop me for fulfilling their obligations. Other people in the area who made claims are experiencing only very minor increases in their insurance rates, or none at all.
Frank T
5 renewal Policies where cancel because over the years the cost increased so much and I had no claims it force me to go out and get it quoted what a surprise I got, I been getting screwed badly, I spoke with Amica 3 times on the phone, cancelation letters were mailed from the new insurance company, I know Amica got the cancelation letters because they called me 3 times to letting me know that after the current Policies expired I was not going to be covered with Amica. The day after the 5 Policies expired my checking account was charger, I never signed the renewals they got cancelation letters and still got withdraw from my account, when I called they confirm everything was canceled and they would mail me a check, this is not acceptable first the withdrawal should of never happen and now I have to wait for a check to be mailed and waste time cashing a check. Let’s hope next month I don’t get charged again. Is unbelievable how fast they can take money out of your account but to pay you back you need to wait.
Alec
Never told you would not renew his insurance
Christian L
Amica used to be good but as of late they are absolutely horrific. Their insurance agents go back on what they say, making changes without informing both parties on the account of the changes like they say they have to. Going through a divorce is stressful enough but having Amica make up rules as they go along doesn't make things easier or any less stressful. No matter what information they were given they went against it 100% and never actually contacted me when changes were made by my exwife. Now, they are claiming that they had consent to make said changes. From who? My exwife made all the changes without my consent. After speaking with a ********* of a representative, I asked to speak to a manager. They are all at lunch yet supposedly their lunches are staggered so there is always a manager free. Absolutely awful company that leaves a very sour taste in your mouth. If you want to get screwed over by a car insurance company (more so than other insurance companies), go with Amica. If you want someone honest, go somewhere else don't waste your time. I will NEVER go back to Amica. They are absolutely horrible.
Showing 1 - 10 out of 251 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.