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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.
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.
|Credit level||21st Century avg. annual premium||Amica avg. annual premium|
|Very Poor (300-579)||$1,363||$2,010|
|Very Good (740-799)||$1,363||$1,174|
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.
|Citation||21st Century avg. annual premium||Amica avg. annual premium|
|At-fault accident (damage < $1,000)||$2,440||$1,646|
|At-fault accident (damage > $1,000)||$1,273||$1,152|
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.
|Age bracket||21st Century avg. annual premium||Amica avg. annual premium|
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 Comparison||21st Century||Amica Mutual Insurance|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||21st Century||Amica Mutual Insurance|
|JD Power Rankings||3 out of 5||4 out of 5|
|Other Products||21st Century||Amica Mutual Insurance|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||21st Century||Amica Mutual Insurance|
|About||21st 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 Assistance||21st 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 Discounts||21st 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.|
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|States Offered||California||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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