Amica Mutual vs. Nationwide: Which Company is the Best Fit for You?

So, you're in the market for a new insurance policy. You may have even narrowed down your search to Amica Mutual and Nationwide. But which of these two companies is the best one for you? Read on to find which carrier has the best premiums and biggest discounts.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for car insurance, Nationwide offers significantly less expensive prices than Amica Mutual
  • Nationwide has cheaper rates for policyholders who don't have any speeding tickets, DUIs, or at-fault collisions on their record
  • Nationwide tends to be a much less expensive option for policyholders who have a short commute


Amica Mutual or Nationwide: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering big savings. But exactly how much can you save by switching?

You might have narrowed it down to Amica Mutual or Nationwide, but which one will save you the most?

Amica Mutual Nationwide
$359$170

Looking at the national average rates for both carriers, Nationwide has average rates that are around 55% a month cheaper than those from Amica Mutual.

Even so, that doesn't necessarily mean Nationwide will be the more affordable option for each driver. Auto insurance companies vary their premiums depending on things like how good your credit score is, how old you are, how clean your driving record is, where you live, and tons of other factors, so prices will change quite a bit from person to person.

Luckily, we've broken down average rates from both Amica Mutual and Nationwide by a range of different rate factors, so read on to find out which company is the best for you.

Amica Mutual vs. Nationwide: Average Car Insurance Rates by State

State Amica Mutual Nationwide
CT$287$229
RI$403$241

Amica Mutual and Nationwide only compete against each other in two states, with Nationwide offering less expensive prices to the average driver in all of them. Rhode Island has the most noticable difference, where Nationwide rates are $162 cheaper than insurance premiums at Amica Mutual.

There are plenty of other factors that go into your car insurance payment than just where you live. Read on to find out more.


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Which is the Best Company For Young Drivers?

Amica Mutual Nationwide
18-year-old drivers$700$380
25-year-old drivers$288$148

Teen drivers will almost always have the most expensive auto insurance prices of any other group of drivers. It's generally because teen drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

That being said, that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of over 45% less per month by choosing Nationwide over Amica Mutual.

But both carriers will offer you dramatically lower rates by the time you turn 25. For example, average premiums for Amica Mutual policyholders decrease about $400 and Nationwide's rates drop around $250 over that time.

Which is the Best Company for Retired Drivers?

Amica Mutual Nationwide
65+-year-old drivers$345$125

Once you approach retirement age, you'll typically enjoy the lowest auto insurance premiums you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for insurance.

When looking at Amica Mutual and Nationwide specifically, which carrier is best for retired drivers? Nationwide gets the edge, with rates for drivers 65 and older $220 more affordable than the national average for Amica Mutual.

Which is the Best Company for Married Drivers?

Amica Mutual Nationwide
Single$386$201
Married$323$129

Did you know that car insurance premiums are usually more expensive for single drivers than they are for married couples? This usually boils down to married policyholders having more than one vehicle on their policy -- something quite a few auto insurance companies will reward with discounts.

For those who are single, the difference in average prices between these two carriers is significant, with Nationwide rates coming in at about half of Amica Mutual's. The advantage for married drivers with Nationwide is also obvious, where drivers save more than 60% a month.

Amica Mutual or Nationwide: Average Rates by Gender

Amica Mutual Nationwide
Male$362$176
Female$356$164

Because women are less likely to get into collisions and get tickets, they are less likely to file a claim with insurance. So, insurance companies will tend to charge women less than men.

With Amica Mutual, men normally pay around 2% more per month than women., and about 7% more with Nationwide.

When it comes to the most affordable premiums for each gender, Nationwide offers the cheapest average prices for both men and women, with average rates 51% less for men and 54% cheaper for women.


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Amica Mutual vs. Nationwide: Compare State Minimum vs. Full Coverage Rates

Amica Mutual Nationwide
State Minimum*$210$112
Full Coverage**$508$229

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

It's no secret that insurance can be pretty complicated. Everyone needs car insurance, but there are so many different terms and limits that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers and their passengers if you cause a collision) and full coverage (which generally refers to having collision and comprehensive coverages in addition to what you get with a liability policy).

Looking specifically at state minimum limits for liability insurance, Nationwide has the significant edge, with average monthly premiums coming in at $112. If you want a full coverage policy with the same state minimum limits, Nationwide again has the edge, with policies averaging around $229 a month to Amica Mutual's $508.

Is Amica Mutual or Nationwide Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance carriers offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that speeding tickets and accidents lead to higher premiums, but which company -- Amica Mutual or Nationwide -- has the most affordable rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Amica Mutual Nationwide
Clean Record$215$125
1 Speeding Ticket$268$149

Policyholders who use Amica Mutual for their insurance can typically expect their monthly bill to go up about 20% after getting a speeding ticket. Nationwide policyholders can expect a less drastic increase of around 16%.

However, Nationwide tends to offer the best prices for both drivers who have clean records and those with a recent ticket, offering prices that are 42% and 44% cheaper, respectively, compared to Amica Mutual Insurance.

Which Company is Best for Drivers After an Accident?

Amica Mutual Nationwide
Clean Record$215$125
1 At-Fault Accident$254$178

Amica Mutual drivers who get in an accident can expect to see their premiums climb by over 15%, while those who have insurance through Nationwide will see about a 30% increase.

At the end of the day, Nationwide offers the cheapest prices for drivers with an at-fault collision on their records, with average rates coming in at $178 compared to Amica Mutual Insurance's $254.

Which Company is Best for Drivers with a DUI?

Amica Mutual Nationwide
Clean Record$215$125
1 DUI$699$230

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even a collision. Amica Mutual drivers usually see a 69% increase in their car insurance premiums after a DUI charge, while Nationwide will usually raise prices by around 46%.


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How does Credit Score Impact Amica Mutual and Nationwide Rates?

Did you know many auto insurance companies take your credit score into account when determining rates? This isn't true for everyone (for example, Massachusetts and Hawaii are two states that ban the practice entirely), but it does affect several policyholders out there.

Insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with more affordable prices.

Looking at Amica Mutual and Nationwide specifically, which company has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Amica Mutual Nationwide
Excellent Credit Score$249$133
Good Credit Score$299$153

Which Company is Best for Drivers with Bad Credit?

Amica Mutual Nationwide
Fair Credit Score$400$179
Poor Credit Score$540$215

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Is Amica Mutual or Nationwide Better for Drivers who Work from Home or Have Short Commutes?

Amica Mutual Nationwide
6,000 Annual Miles$359$170
12,000 Annual Miles$359$171

Did you know that the amount of time you spend in your car have a pretty big impact on your monthly auto insurance bill? That's because the fewer miles you put on your car, the less likely you are to be in an accident and file an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Amica Mutual charges. However, there's a small difference in monthly premiums for Nationwide, with policyholders who drive the least paying about $1 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, Nationwide is the less expensive carrier.

Amica Mutual or Nationwide: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a considerable role in how much you pay for car insurance. Normally, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

Amica Mutual Nationwide
Urban Areas$408$199
Suburban Areas$348$159
Rural Areas$321$151

Nationwide boasts the most affordable average premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

If you live in a rural area, you can expect to pay around $151 monthly with Nationwide and $321 with Amica Mutual. Drivers in suburban ZIP codes pay about $159 with Nationwide compared to Amica Mutual's $348 per month. In urban areas, Nationwide's average rates are around $199 while Amica Mutual offers premiums about $408.

Amica Mutual vs. Nationwide Discounts

You want to save as much money as you can, right? The best way to do that is by utilizing as many auto insurance discounts as possible.

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you qualify for.

Luckily, we did the hard work for you and compared all of the different discounts offered by Amica Mutual and Nationwide so that you can find the carrier that has the most discounts and, therefore, the largest savings.

Amica Mutual Nationwide
Advance Quote Discount 
Agency Transfer Discount 
Anti-Theft Discount 
Defensive Driver Discount 
Distant Student Discount 
Driver Training Discount 
EFT Discount 
Employee Discount 
Good Driving Discount 
Good Student Discount 
Group Discount 
Homeowner Discount 
Intra-Agency Transfer Discount 
Life Policy Discount 
Multi-Policy Discount 
New Vehicle Discount 
Paperless Discount 
Passive Restraint Discount 
Preferred Customer Discount 
Telematics Discount 

Nationwide knocks Amica Mutual out of the park when it comes to the sheer number of discounts available, offering 22 more discounts than Amica Mutual.

There are a couple discounts both companies offer, but Nationwide also offers discounts for advance quote, agency transfer, anti-theft, and more.

Amica Mutual's discounts come through just.


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Final Thoughts: Is Amica Mutual or Nationwide Best for You?

So, you've seen how different variables can affect your insurance prices. We've broken down the different discounts each carrier offers, too. But, at the end of the day, is Amica Mutual or Nationwide the best one for you and your specific needs?

Nationwide might be best for you if....

  • You don't have any speeding tickets, DUIs, or at-fault collisions on your record.
  • You already have a great credit score.
  • You want to save money while purchasing car insurance for a teenager.


Amica Mutual might be best for you if...

  • You have a more unique driver profile than those we mentioned above.

Hopefully, this guide has ben a valuable resource as you compare Amica Mutual and Nationwide and that it aids in making a more informed decision about your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple carriers, not just Amica Mutual and Nationwide. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.


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Amica Mutual vs. Nationwide FAQs

Is Amica Mutual or Nationwide cheaper?

Nationwide is the cheaper of the two carriers when looking at national average rates, with policies averaging $170 per month with Nationwide and $359 for Amica Mutual. That being said, that doesn't mean Nationwide will be the cheapest company for everyone, since there are multiple different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Amica Mutual or Nationwide?

Unfortunately, the only answer we can give you is "it depends.". Neither carrier is necessarily "better" for everyone -- it all depends on the makeup of your unique insurance profile.

Why do Amica Mutual and Nationwide offer me different rates?

Car insurance companies use a lot of different variables when calculating the premiums they charge. Things like age, your driving record, gender, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Amica Mutual and Nationwide calculate prices differently, so it's likely they'll offer different rates. The best way to determine which company is the lowest for you is by comparing personalized quotes from many different carriers.

How do I know if Amica Mutual or Nationwide is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't Amica Mutual or Nationwide at all, but another you hadn't even thought of!


Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.

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