Auto Club (AAA) vs Amica Mutual Insurance Car Insurance

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Auto Club (AAA) or Amica Mutual Insurance:
Which Company is Best for You?

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.

 

Compare Auto Club (AAA) vs. Amica auto insurance rates

 

Auto Club (AAA) vs. Amica: pricing by credit score

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.

 

COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Amica VS. Auto Club (AAA)
Credit levelAuto Club (AAA) avg. annual premiumAmica 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

 

Auto Club (AAA) vs. Amica: rates for drivers with bad records

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.

 

COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: Amica VS. Auto Club (AAA)
InfractionAuto Club (AAA) avg. annual premiumAmica 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

 

Auto Club (AAA) vs. Amica: rates by age bracket

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..

 

COMPARING AUTO INSURANCE RATES BY AGE: Amica VS. Auto Club (AAA)
Age tierAuto Club (AAA) avg. annual premiumAmica 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 ComparisonAuto 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 ComparisonAuto Club (AAA)Amica Mutual Insurance
Financial Strength GoodSuperior
JD Power Rankings
2 out of 5
4 out of 5
User Satisfaction

N/A

A+

Other ProductsAuto 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
Other FeaturesAuto Club (AAA)Amica Mutual Insurance
AboutAuto Club provides its customers with customizable payment options, competitive rates and excellent features.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 AssistanceAAA offers three tiers of 24-hour Road Service: Classic, Plus and Premier, which all include towing, emergency starting, battery service, flat tire assistance, locksmith service, fuel delivery, and extrication/winching service. AAA membership covers you, not your vehicle, so you can call whether you are in your own car, a friend’s car, or a rental. Each AAA cardholder is entitled to four Roadside Assistance service calls or reimbursements per membership year at no charge.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 DiscountsAAA offers an additional Garage Parking Discount, and maintains a wide-ranging rewards program for AAA members.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 QuestionsDoes roadside assistance cover people not on your policy

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

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