Amica vs Nationwide
Last updated July 2026
Amica
One of America's most highly rated insurance companies
Advantages
- Consistently top-tier J.D. Power scores for claims and customer satisfaction
- Dividend policies return a portion of your premium each year, typically 5-20%
- Platinum Choice Auto adds identity fraud, glass, and rental car coverage as standard
- Available in all 50 states
- Straightforward pricing without heavy telematics dependency
Drawbacks
- Base rates are higher than direct-to-consumer carriers like Geico or Progressive
- No mobile-first quoting experience, digital tools are functional but not slick
- Limited discount stacking compared to State Farm or Allstate
Nationwide
On your side, and increasingly online
Advantages
- SmartRide telematics gives up to 40% off for consistently safe drivers
- Vanishing Deductible cuts your deductible by $100 each claim-free year
- Multi-policy discounts stack well when bundling auto with home or renters
- Accident forgiveness available as an add-on for eligible drivers
- Roadside assistance and rental car coverage are affordable add-ons
Drawbacks
- Not available in every state, notably Alaska, Hawaii, Louisiana, and Massachusetts
- Base rates can trail Geico or Progressive for younger or single-policy drivers
- Agent quality varies widely by region
Amica and Nationwide both play in auto insurance, but they're aimed at different buyers. Amica is built for civilian drivers who prioritize claims service and want dividend returns over ultra-low base rates. Nationwide is built for drivers who want strong telematics savings and plan to bundle multiple policies. Which one fits depends on which of those descriptions sounds more like you.
Feature Comparison
| Feature | Amica | Nationwide |
|---|---|---|
| Typical Monthly Cost | Avg $140-$200/mo before dividends | Avg $130-$185/mo before bundling |
| Quote Process | Online, phone, or independent agent | Local agent, online, or phone |
| Available Discounts | Multi-policy, loyalty, homeowner, good student, safe driver | SmartRide, multi-policy, safe driver, accident-free, good student |
| Claims Experience | 24/7 phone or online, agent-assisted | 24/7 phone, app, and agent-assisted |
| Customer Support | Phone, online, limited chat | Local agents, phone, app, online chat |
| Coverage Options | Liability, collision, comprehensive, glass, identity fraud, rental | Liability, collision, comprehensive, gap, roadside, rental car |
| Mobile App Quality | Good, ID cards, claims, payments | Good, ID cards, claims, payments, SmartRide |
| Bundling Options | Auto, home, renters, life, umbrella | Auto, home, renters, life, pet, umbrella |
Amica Wins
Amica takes it overall (9/10 vs 8/10), but Nationwide is still the sharper pick for drivers who want strong telematics savings and plan to bundle multiple policies.
Amica's standout strength: Consistently top-tier J.D. Power scores for claims and customer satisfaction. Its biggest drawback (base rates are higher than direct-to-consumer carriers like Geico or Progressive) is easier to live with than Nationwide's (not available in every state, notably Alaska, Hawaii, Louisiana, and Massachusetts). Nationwide isn't out of the running though — its own standout strength is smartRide telematics gives up to 40% off for consistently safe drivers. If you fit the profile of drivers who want strong telematics savings and plan to bundle multiple policies, that alone can flip the decision.
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