Amica vs. Nationwide Car Insurance Comparison [2025]

Nationwide and Amica both have important advantages for customers to consider.

Each company offers specific benefits to customers, and the distinct differences in coverage and customer service are aspects that should be considered before an individual chooses one company over the other.

Be sure to read through this comparison and then enter your zip code to compare quotes from many of the best car insurance companies today!

Amica Started as Horseless Carriages Began

A.T. Vigneron started the Automobile Mutual Insurance Company of America (Amica) in 1907 as automobiles first entered the American market.

It has become the oldest mutual insurance company in the United States.

Amica’s policyholders have received dividends every year on most policies including during the 1929 economic crash.

Amica has 39 offices across the United States and has 3,000 employees.

It was originally based in Providence, Rhode Island. In 1994, Amica relocated its headquarters to a bigger corporate complex close to Lincoln, Rhode Island.

Learn how to get an Amica Mutual car insurance quote online here.

What Does Amica Provide?

Amica offers these insurance product lines and financial services:

• Condominium
• Automobile
• Homeowners
• Renters
• Life
• Annuities
• Umbrella personal liability

Amica Customer Service Ratings

Amica has been awarded by J. D. Power & Associates research firm as being the “Highest in Customer Satisfaction Among National Auto Insurers” for 10 continuous years and the “Highest in Customer Satisfaction Among National Homeowner Insurers” for 8 straight years.

J. D. Power & Associates performs a National Auto Insurance Study annually. The study uses a rating scale of 1 (under the rest) to 5 (among the best).

The company’s customer satisfaction ratings are as follows:

1. Overall Satisfaction – 4
2. Policy Offerings – 3
3. Pricing – 4
4. Call Center Representative – 4
5. Website – N/A

Nationwide Began with Help From Farmers

Nationwide started selling automobile insurance over 80 years ago to farmers in Ohio.

In 1925, Farm Bureaus provided the funds for Nationwide to grow from a small mutual automobile insurance company to one of the biggest insurance providers in the United States.

Nationwide employs about 36,000 people and has over $157 billion in assets. It is still promoted by 8 Farm Bureaus which offer their members discounts on insurance premiums.

Nationwide has expanded into a large network of insurance and financial companies called the Nationwide Mutual Insurance Company & Affiliated Companies.

Its main headquarters are located in Columbus, Ohio.

Learn about Nationwide car insurance discount programs here.

What Nationwide Offers

Nationwide offers a variety of insurance, banking and investment products. Their product lines include:

• Automobile
• Motorcycle
• Boat
• Pet
• Homeowners
• Renters
• Condominium
• Life
• Flood
• Annuities
• Home equity loans

If you get multiple different policies with Nationwide, you may be able to qualify for a multiple line insurance discount.

Read more: Is Nationwide motorcycle insurance right for you?

Nationwide’s Customer Satisfaction

Customers have reported that the policyholder often ends up managing the car repair and other required arrangements.

Nationwide is also reported to be slow to pay on a claim if the accident is considered the policyholder’s fault.

The results from two studies done by J. D. Power & Associates on Nationwide, along with other major insurers, are below. These ratings went from 1 (less than the rest) to 5 (among the best).

National Auto Insurance Study:

1. Overall Satisfaction – 3
2. Policy Offerings – 3
3. Pricing – 3
4. Call Center Representative – 4
5. Website – 2

National Homeowner’s Insurance Study:

1. Overall Satisfaction – 3
2. Policy Offerings – 3
3. Pricing – 3
4. Call Center Representative – 3
5. Website – 3

Comparing Nationwide and Amica Quotes

Be sure to compare your Amica and Nationwide auto insurance quotes with quotes from many different auto insurers. Enter your zip code to start now!