Nationwide vs. Amica: Auto and home insurance bundling

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

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.

Key Takeaways

Nationwide has cheaper bundled auto and home rates on average than Amica.
Amica offers cheaper home insurance rates on average, which may impact how much you pay overall if your auto insurance is cheaper than average.
Nationwide has higher customer satisfaction and claims handling ratings

Insure.com compares Nationwide vs. Amica for auto and home bundling

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.

Insure.com rating comparison for Nationwide vs. Amica

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

Nationwide vs. Amica: Pros and cons

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 vs. Amica: Which has the most affordable rates?

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

Nationwide vs. Amica: Customer satisfaction

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 vs. Amica: Claims handling

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%

The bottom line: Nationwide vs. Amica for auto and home bundling

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.

Tonya Sisler