Picking an auto insurance company is difficult: every company's rates differ based on your driving history, location, and age, and companies offer an array of discounts. Allstate and Amica are two of the most popular car insurance companies, selling competitively priced policies in many states.
In an effort to make insurance shopping seamless, we gathered average insurance rates from Amica and Allstate. The below cover a number of pricing components, including credit quality, driving infractions, and age. Take a look at these rates and find the right policy for you.
If you have very poor credit, Amica could be preferable to Allstate. On average, Amica offers cheaper rates than Allstate for prospective clients with credit scores of less than 580. Drivers with excellent credit — a score of 800 or higher — should favor View average insurance costs by credit level for Amica and Allstate below.
|Credit score||Allstate avg. annual premium||Amica avg. annual premium|
|Very Poor (300-579)||$3,117||$2,010|
|Very Good (740-799)||$1,820||$1,174|
If you have an at-fault accident, speeding ticket, reckless driving violation, or DUI on your record, Amica could be a better choice than Allstate. Every insurance company prices its policies differently, so always do your due diligence and compare quotes to understand which insurance company suits you.
|Violation||Allstate avg. annual premium||Amica avg. annual premium|
|At-fault accident (damage < $1,000)||$3,006||$1,646|
|At-fault accident (damage > $1,000)||$2,290||$1,152|
Insurance companies rely on a driver's age to outline potential risk, assigning rates accordingly. An insurance policy is typically most expensive for beginning and young drivers — because of their inexperience — and more affordable for middle-aged drivers. Since each insurance company evaluates age tiers differently, it's wise to compare rates and find a suitable policy.
As a general rule, teen drivers should choose Amica over Allstate: the former's average annual rates are $1,076 less than the latter's..
|Age tier||Allstate avg. annual premium||Amica avg. annual premium|
Affordability aside, Allstate and Amica each come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Dive into the data before making your decision.
|Discount Comparison||Allstate||Amica Mutual Insurance|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Allstate||Amica Mutual Insurance|
|JD Power Rankings||3 out of 5||4 out of 5|
|Other Products||Allstate||Amica Mutual Insurance|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Allstate||Amica Mutual Insurance|
|About||Allstate gives quality protection at a great price, complete with personal attention and service you need to choose coverage that makes the most sense for you.||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||Every Allstate customer has access to Allstate's 24/7 Roadside network with no annual fee. This pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $99 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). For prepaid options, you may choose Allstate Motor Club for full coverage or elect to add Towing & Labor Coverage to your auto policy.||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||Allstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired.||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 still be on my parent’s car insurance?|
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|Compare More||Allstate vs. 21st Century Allstate vs. Allied Allstate vs. American Family Allstate vs. Auto Club (AAA) Allstate vs. Erie Allstate vs. Esurance Allstate vs. Farmers Allstate vs. Foremost Allstate vs. GEICO Allstate vs. Infinity Allstate vs. Liberty Mutual Allstate vs. Mercury Allstate vs. MetLife Allstate vs. Nationwide Allstate vs. Progressive Allstate vs. Root Allstate vs. SAFECO Allstate vs. Safe Auto Allstate vs. State Farm Allstate vs. The General Allstate vs. The Hartford Allstate vs. Titan Allstate vs. Travelers Allstate vs. USAA||Amica Mutual Insurance vs. 21st Century Amica Mutual Insurance vs. Allied Amica Mutual Insurance vs. American Family Amica Mutual Insurance vs. Auto Club (AAA) Amica Mutual Insurance vs. Erie Amica Mutual Insurance vs. Esurance 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. Progressive Amica Mutual Insurance vs. SAFECO Amica Mutual Insurance vs. Safe Auto 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 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|
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