21st Century vs Amica Mutual Insurance Car Insurance

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21st Century or Amica Mutual Insurance:
Which Company is Best for You?

Choosing an auto insurance company can be difficult: companies' rates may vary based on your driving record, location, and age, and every company's discounts vary. 21st Century and Amica are two of the most popular insurance companies, providing competitively priced policies in many states.

To make insurance shopping seamless, we've gathered average costs from Amica and 21st Century. These cover an array of rating factors, chief among which are credit rating, driving history, and age. Examine these figures and find the right policy for you.

 

Compare 21st Century vs. Amica auto insurance rates

 

21st Century vs. Amica: prices by credit level

If you have very poor credit, 21st Century could be the best option for you. On average, 21st Century offers cheaper prices than Amica for drivers with credit scores of less than 580. Drivers with exceptional credit — a score of 800 or better — should lean toward View average insurance rates by credit tier for Amica and 21st Century below.

 

RATES BY CREDIT SCORE: Amica VS. 21st Century
Credit level21st Century avg. annual premiumAmica avg. annual premium
Very Poor (300-579)$1,363$2,010
Fair (580-669)$1,363$1,389
Good (670-739)$1,657$1,352
Very Good (740-799)$1,363$1,174
Exceptional (800-850)$1,363$1,057

 

21st Century vs. Amica: rates for high-risk drivers

If you're carrying an at-fault crash, speeding ticket, reckless driving citation, or DWI on your driving record, Amica could be a better choice than 21st Century. Every insurer enacts rate penalties differently, so always do your due diligence and compare quotes to understand which insurance company suits you.

 

RATES BY CITATION: Amica VS. 21st Century
Citation21st Century avg. annual premiumAmica avg. annual premium
At-fault accident (damage < $1,000)$2,440$1,646
At-fault accident (damage > $1,000)$1,273$1,152
DUI/DWI$3,949$3,356
Reckless driving$3,949$2,761
Speeding ticket$1,781$1,390

 

21st Century vs. Amica: rates by age

Insurers use a driver's age as an estimator of risk, pricing premiums on a sliding scale. An insurance policy is usually most expensive for teen drivers — due to their inexperience — and relatively affordable for middle-aged drivers. Since every insurance company prices age brackets uniquely, it's wise to compare rates and find great coverage.

As a general rule, teen drivers should choose 21st Century before Amica: 21st Century offers average yearly savings of $133 versusAmica.

 

COMPARING AUTO INSURANCE RATES BY AGE: Amica VS. 21st Century
Age bracket21st Century avg. annual premiumAmica avg. annual premium
Teens$5,233$5,366
20s$1,795$1,631
30s$1,342$1,631
40s$1,313$1,151
50s$1,244$1,105
60s$1,117$1,066

 

Finances aside, 21st Century and Amica come with pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Dive into the data before making your decision.

Discount Comparison21st CenturyAmica Mutual Insurance
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings Comparison21st CenturyAmica Mutual Insurance
Financial Strength ExcellentSuperior
JD Power Rankings
3 out of 5
4 out of 5
User Satisfaction

A+

A+

Other Products21st CenturyAmica Mutual Insurance
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other Features21st CenturyAmica Mutual Insurance
About21st Century, part of the Farmers Insurance Group, is a leading US insurer of automobiles, dedicated to providing customers with superior coverage and service.At Amica Mutual Insurance, you'll be protected with an affordable auto policy that's customized to fit your needs, complete with unbeatable customer service.
Roadside Assistance21st Century customers are automatically enrolled in the 21st Roadside Assistance program at no additional cost. 21st Roadside Assistance provides 24/7 towing, lock-out service and other emergency services, limited to five service calls per vehicle per calendar year. 21st Roadside Assistance coverage is provided for up to $75 ($80 in TX, $100 in NC) in roadside services. Service applies to labor only. Parts (tires, batteries, belts, etc.) and gasoline are not included.Amica's roadside assistance program is available 24 hours a day to help with jump-starting a dead battery, changing a flat tire, delivering fuel if you run out of gas, and a towing up to 15 miles to the nearest repair facility.
Additional Discounts21st Century offers an additional discount for seniors in select states.Amica offers additional discounts for "loyalty", a "tenure" discount for the length of time you were with your prior company, and a legacy discount to drivers under 30 who were covered by Amica on a family member's policy.
Recent QuestionsCan I group multiple accidents into one claim?

I backed into a poll and damaged my rear panel and bumper last night. I also have minor scratches and ...

If my car was damaged at a gas station due to bad weather, who pays for the repair?

I was getting gas when it started to rain, and the wind was blowing really hard. A piece of metal ...

What should I do if I damaged an old car and don’t want the insurance company to total the vehicle?

My son’s friend left his vehicle parked at my house while he was on vacation. I drove it to the ...

What should I do after a minor accident?

While driving down a dark street last night I was involved in an accident where I hit someone’s car door ...

See More Questions
Should I drop my 25yo son from insurance?

My 25-year-old son totaled one of our vehicles. If we drop him off our ins can we reduce/save major premium ...

Should I get my insurance company involved or pay for the damage myself if I backed into a tree?

I was backing out of my driveway and hit a tree while attempting to avoid other parked cars. Apparently I ...

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Compare More21st Century vs. Allied 21st Century vs. Allstate 21st Century vs. American Family 21st Century vs. Auto Club (AAA) 21st Century vs. Erie 21st Century vs. Esurance 21st Century vs. Farm Bureau Mutual 21st Century vs. Farmers 21st Century vs. Foremost 21st Century vs. GEICO 21st Century vs. Infinity 21st Century vs. Liberty Mutual 21st Century vs. Mercury 21st Century vs. MetLife 21st Century vs. Nationwide 21st Century vs. North Star Mutual 21st Century vs. Progressive 21st Century vs. SAFECO 21st Century vs. SafeAuto 21st Century vs. State Farm 21st Century vs. The General 21st Century vs. The Hartford 21st Century vs. Titan 21st Century vs. Travelers 21st Century vs. USAAAmica Mutual Insurance vs. Allied Amica Mutual Insurance vs. Allstate Amica Mutual Insurance vs. American Family Amica Mutual Insurance vs. Auto Club (AAA) Amica Mutual Insurance vs. Erie Amica Mutual Insurance vs. Esurance Amica Mutual Insurance vs. Farm Bureau Mutual Amica Mutual Insurance vs. Farmers Amica Mutual Insurance vs. Foremost Amica Mutual Insurance vs. GEICO Amica Mutual Insurance vs. Infinity Amica Mutual Insurance vs. Liberty Mutual Amica Mutual Insurance vs. Mercury Amica Mutual Insurance vs. MetLife Amica Mutual Insurance vs. Nationwide Amica Mutual Insurance vs. North Star Mutual Amica Mutual Insurance vs. Progressive Amica Mutual Insurance vs. SAFECO Amica Mutual Insurance vs. SafeAuto Amica Mutual Insurance vs. State Farm Amica Mutual Insurance vs. The General Amica Mutual Insurance vs. The Hartford Amica Mutual Insurance vs. Titan Amica Mutual Insurance vs. Travelers Amica Mutual Insurance vs. USAA
States OfferedCaliforniaArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
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21st Century vs Amica Mutual Insurance

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