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.
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.
| 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 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.
| Violation | 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 |
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..
| 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 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 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 |
| Other Features | Auto Club (AAA) | Amica Mutual Insurance |
|---|---|---|
| About | Auto 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 Assistance | AAA 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 Discounts | AAA 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 Questions | Can 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 policyI 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 Offered | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas |
