Nationwide vs. Amica: Auto and home insurance bundling

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.

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.

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 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).”

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.

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.

How to choose the right insurance bundle for you

Finding the right bundle really comes down to what you need most. If you value convenience, bundling home and auto under one insurer can save you time by cutting down on paperwork and giving you a single point of contact for claims. If your top priority is saving money, look closely at the discount being offered and compare it to stand-alone policies — sometimes bundling saves a lot, and other times the savings aren’t as big as they sound.

It also helps to think about your long-term plans. If you expect to add another car, move, or buy a second property, a bundle could make those changes easier to manage. On the other hand, if you like to shop around every renewal, you’ll want to make sure a bundle doesn’t limit your flexibility.

Pros and cons of bundling home and auto insurance

Bundling comes with some clear upsides. You can often qualify for a solid discount, and managing your policies through one company makes life simpler. You might even get perks like a single deductible if the same event damages both your home and car.

But there are trade-offs to keep in mind. Bundling can sometimes lock you in with one insurer, even if their rates creep up over time. And while the discount is nice, it’s not guaranteed to be the lowest price available — splitting policies with two different insurers could still come out cheaper.

Bundling is worth considering, but it’s smart to compare bundled and separate quotes before you decide.

What to know before bundling home and auto insurance

Before you commit, take a close look at the details. Ask how much the bundle actually saves compared to buying policies separately, and check whether that discount lasts beyond the first year. It’s also worth asking about claim handling — some insurers make bundled claims smoother, while others keep the processes separate.

Don’t forget to review coverage itself. A bundle should still meet your needs for both home and auto, not just deliver a discount. If one policy looks weaker than what you could get elsewhere, the bundle may not be the better deal.

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.

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