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?

Deciding on a car insurance company can be difficult: the rates each insurer offers can vary widely based on your driving record, age, and location, and companies offer an array of perks. Auto Club (AAA) and Amica are two of America's most popular insurers, providing affordable coverage across most of the US.

In an effort to simplify the process of comparing insurance companies, we pulled average policy prices from Amica and Auto Club (AAA). These cover a variety of pricing components, including credit rating, driving behavior, and age. Examine these figures and find your next car insurance policy today.

Seeking more information? Check out our comprehensive reviews of AAA and Amica.


Comparing car insurance rates: Auto Club (AAA) vs. Amica


Auto Club (AAA) vs. Amica: by credit level

If you have very poor credit, Amica could be preferable to Auto Club (AAA). On average, Amica offers cheaper premiums than Auto Club (AAA) for drivers with credit scores of 579 or less. Drivers with exceptional credit — a score of 800 or higher — should consider View common insurance rates by credit score for Amica and Auto Club (AAA) below.


RATES BY CREDIT LEVEL: 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: high-risk driver rates

If you're carrying an at-fault crash, speeding ticket, reckless driving violation, or DUI on your record, Amica could be a better choice than Auto Club (AAA). Each auto insurance company prices its policies differently, so always do your due diligence and compare quotes to understand which insurer is best for you.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: Amica VS. Auto Club (AAA)
ViolationAuto 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

Car insurance companies use age as an estimator of risk, assigning rates accordingly. A car insurance policy is commonly most expensive for young drivers — due to their inexperience — and relatively affordable for drivers aged 25 or older. Because every car insurance company prices ages differently, it's wise to compare rates and find a great fit.

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..


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 carry pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.

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
100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon 0% filled Star icon
2 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
User Satisfaction

N/A

A+

Other ProductsAuto Club (AAA)Amica Mutual Insurance
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Homeowners Insurance
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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 QuestionsCan I bundle my renters and new car insurance?
We have several companies that will be able to fit your needs. At this time, we do not quote renters insurance on our site but we can quote you with our agency.
Does roadside assistance cover people not on your policy
I haven't heard of a roadside assistance program that doesn't extend to anyone using the vehicle that has been given permission to do so. While most companies prefer any driver using the vehicle to be listed on the policy, they do have previsions in the policy that extend to infrequent users.
Customer service for AAA roadside assistance only versus AAA auto insurance?
Insurance companies are regulated at a state commissioner level and in theory are supposed to be neutral. But, it's hard to say for sure any being is entirely neutral.
What do I do if my vehicle was totaled while parked?
I would definitely involve your insurance company and let them know about the situation. The other driver's insurance company should be paying for your damage up to the limit of that policy, but if it doesn't cover everything then your current company should be able to help cover the rest.
See More Questions
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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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