Selecting a car insurance company is complex: rates fluctuate based on your driving history, age, and location, and companies offer an array of perks. Auto Club (AAA) and Amica are two of the most popular insurance companies, providing competitively priced insurance policies in most American states.
In an effort to simplify the comparison process, we gathered average policy rates from Amica and Auto Club (AAA). These rates cover an array of rating factors, chief among which are credit history, driving history, and demographics. Examine these figures and find your next car insurance policy today.
If you have very poor credit, Amica could be the way to go. Typically, Amica offers better rates than Auto Club (AAA) for drivers with credit scores of lower than 580. Insurance shoppers with excellent credit — a score of 800-plus — should consider Check out average insurance costs by credit level for Amica and Auto Club (AAA) below.
| Credit level | Auto Club (AAA) avg. annual premium | Amica avg. annual premium |
| Very Poor (300-579) | $6,569 | $2,010 |
| Fair (580-669) | $4,023 | $1,389 |
| Good (670-739) | $3,723 | $1,352 |
| Very Good (740-799) | $3,004 | $1,174 |
| Exceptional (800-850) | $2,814 | $1,057 |
If you're carrying an at-fault accident, speeding violation, reckless driving citation, or DWI in your recent history, Amica could be a better choice than Auto Club (AAA). Each insurer will handle driving offenses differently, so don't hesitate to shop around to find out which insurer is best for you.
| Infraction | Auto Club (AAA) avg. annual premium | Amica avg. annual premium |
| At-fault accident (damage < $1,000) | $4,078 | $1,646 |
| At-fault accident (damage > $1,000) | $4,002 | $1,152 |
| DUI/DWI | $5,530 | $3,356 |
| Reckless driving | $5,530 | $2,761 |
| Speeding ticket | $4,078 | $1,390 |
Insurance companies use a driver's age to indicate risk, assigning rates accordingly. An insurance policy is often priciest for teen drivers — due to their increased odds of being involved in an accident — and more affordable for middle-aged drivers. Because each insurance company prices age brackets in a different way, it's a smart move to shop around.
As a general rule, teen drivers should choose Amica instead of Auto Club (AAA): the former's average annual rates are $4,890 less than the latter's..
| Age tier | Auto Club (AAA) avg. annual premium | Amica avg. annual premium |
| Teens | $10,256 | $5,366 |
| 20s | $4,644 | $1,631 |
| 30s | $3,248 | $1,631 |
| 40s | $3,195 | $1,151 |
| 50s | $3,083 | $1,105 |
| 60s | $2,887 | $1,066 |
Aside from affordability, Auto Club (AAA) and Amica each have pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.
| Discount Comparison | Auto Club (AAA) | Amica 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 Comparison | Auto Club (AAA) | Amica Mutual Insurance |
|---|---|---|
| Financial Strength | Good | Superior |
| JD Power Rankings | ||
| User Satisfaction | N/A | A+ |
| Other Products | Auto Club (AAA) | Amica Mutual Insurance |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
