Nationwide earned a 3.9 rating from Insure.com, compared to a 4.6 rating for Amica. Nationwide has cheaper bundled rates, but Amica receives far fewer complaints. Compare Nationwide vs. Amica to find the best company for your home and auto insurance bundle.
Written by Tonya Sisler Reviewed by Leslie Kasperowicz
Leslie Kasperowicz
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com.
Posted on : July 30, 2024Why you can trust Insure.com
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Nationwide comes out on top regarding bundled auto and home insurance rates and customer ratings. Around 76% of its customers are happy with the service they receive.
Although Amica offers higher multi-policy savings, Nationwide still has cheaper auto and bundled auto and home coverage rates. However, Amica’s home insurance alone is more affordable than Nationwide, and coverage is more readily available.
Keep reading to compare Nationwide and Amica’s rates and ratings and decide which auto and home bundle fits you best.
Nationwide is one of the country’s top insurers but doesn’t offer coverage in every state. It provides cheaper auto and bundled home and auto coverage and has higher customer satisfaction and claims handling ratings than Amica.
On the other hand, Amica offers cheaper home insurance rates and boasts a higher financial rating than Nationwide. Amica also earns fewer complaints and provides coverage in more states.
Nationwide received a 3.9 Insure.com rating, and Amica scored a 4.6 rating. Nationwide also has cheaper auto and home bundled rates, but coverage isn’t available everywhere. Amica has a higher financial stability rating and offers coverage in more states, but its bundled auto and home coverage is more expensive.
| Comparison metrics | Nationwide | Amica |
|---|---|---|
| Insure.com overall rating | 3.9 | 4.6 |
| Best for | Cheaper bundled auto and home rates | Cheaper home insurance rates |
| Customer satisfaction rating | 4.1 | 4.0 |
| NAIC rating | 0.87 | 0.23 |
| AM Best rating | A | A+ |
| State availability | Auto insurance isn’t available in: AK, HI, LA, OK Home insurance isn’t available in: AK, FL, HI, LA, MA, NJ, NM | Auto insurance isn’t available in: HI Home insurance isn’t available in: AK, HI |
The table below compares the pros and cons of Nationwide and Amica. For example, Nationwide offers cheaper bundled home and auto rates but has more expensive home rates alone. Amica has fewer complaints but more expensive auto and home rates.
| Nationwide | Amica |
|---|---|
| Pros: | Pros: |
| Cheaper auto and home bundled rates | Fewer complaints |
| Higher claims handling rating | Higher financial rating |
| Cons: | Cons: |
| More expensive home insurance rates | More expensive bundled rates |
| Not available in every state | No local agents |
Nationwide has significantly cheaper auto insurance rates than Amica, which is the reason Nationwide provides more affordable home and auto rates, regardless of bundling. Amica offers cheaper home insurance rates on average than Nationwide.
“When comparing insurance rates, it is most important to understand what isn’t covered, what categories have limitations, and if certain types of claims have a separate deductible,” says Zack Pope of David Pope Insurance.
“Deductibles are important to know as I’ve seen people purchase a home insurance policy where they’re told it’s a $1,000 deductible, but not making it clear that the deductible for wind and hail is 5% of the home value (5 figures).”
| Company | Average annual auto premium | Average annual home premium | Total without bundle | Total with bundle | % discount | $ savings |
|---|---|---|---|---|---|---|
| Nationwide | $1,611 | $2,809 | $4,420 | $3,643 | 18% | $777 |
| Amica | $2,621 | $2,131 | $4,752 | $3,924 | 18% | $828 |
The two companies have similar customer satisfaction ratings, although Nationwide’s is a little higher. According to our survey, 76% of Nationwide customers are happy, compared to 71% of Amica customers.
| Company | Percentage of customers who are satisfied |
|---|---|
| Nationwide | 76% |
| Amica | 71% |
Nationwide scores much higher than Amica when it comes to claims handling. While 73% of Nationwide customers are satisfied with claims handling, a lower number (62%) of Amica customers expressed satisfaction.
| Company | Percentage of customers who are satisfied |
|---|---|
| Nationwide | 73% |
| Amica | 62% |
Nationwide has lower bundled home and auto rates and has higher customer satisfaction and claims handling ratings. However, Nationwide is available in fewer states and has more complaints with the NAIC.
Amica, on the other hand, has cheaper home insurance rates and better financial ratings. However, Amica doesn’t use local agents, so you must deal directly with the company.
Either company may be a good choice for your auto and home insurance needs. Because rates vary by location and personal factors, it’s important to compare your own quotes to determine which company has the best price.
