The Zebra doesn't support your browser version, so please give us a call or upgrade your browser to the latest version.
Picking an auto insurance company can be tricky: rates fluctuate based on your location, vehicle, and driving record, and every company provides a different set of discounts. American Family and Amica are two of the US' most popular insurers, providing high-quality coverage across most of America.
In an effort to simplify the process of comparing insurance companies, we have pulled average rates from Amica and American Family. The below rates cover an array of rating factors, including credit history, driving record, and age. Take a look at these rates and find the perfect policy for you.
If you have very poor credit, American Family could be the way to go. Typically, American Family offers better prices than Amica for prospective clients with credit scores of 579 or less. Drivers with excellent credit — a score of 800-plus — should favor American Family, which typically beats Amica by $116 per year. View typical insurance costs by credit level for Amica and American Family below.
|Credit score||American Family avg. annual premium||Amica avg. annual premium|
|Very Poor (300-579)||$1,931||$2,010|
|Very Good (740-799)||$1,009||$1,174|
If you've got an at-fault collision, ticket, reckless driving violation, or DWI on your driving résumé, Amica could be a better choice than American Family. Each insurer prices its policies differently, so it's worth comparing quotes to figure out which insurer suits you.
|Citation||American Family avg. annual premium||Amica avg. annual premium|
|At-fault accident (damage < $1,000)||$1,763||$1,646|
|At-fault accident (damage > $1,000)||$990||$1,152|
Car insurance companies use a driver's age to indicate risk, assigning rates accordingly. Auto insurance is typically expensive for young drivers — due to their increased odds of being involved in an accident — and most affordable for older drivers. Since every insurance company rates age brackets uniquely, it's smart to shop around and find a great rate.
As a general rule, teen drivers should choose American Family over Amica: American Family offers average yearly savings of $1,556 versusAmica.
|Age bracket||American Family avg. annual premium||Amica avg. annual premium|
Aside from finances, American Family and Amica each carry pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
|Discount Comparison||American Family||Amica Mutual Insurance|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||American Family||Amica Mutual Insurance|
|JD Power Rankings|
|Other Products||American Family||Amica Mutual Insurance|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||American Family||Amica Mutual Insurance|
|About||American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships.||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||American Family’s Emergency Roadside Service covers reasonable costs you can incur if you're car breaks down. These costs may include mechanical labor for up to one hour at the place of your vehicle’s breakdown, towing to the nearest place where the necessary repairs can be made, delivery of gas and oil, the cost of labor for a tire change or battery charge (not including the cost of any delivered item), and the cost of labor for locksmith services (not including the cost to replace locks or keys).||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||None Available||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||Are some insurance providers better suited to my needs than others to get the best rate?|
If I accidentally drove my car through a neighbor’s fence, will my insurance company pay for the damage?
I am 25 years old and currently drive a 2015 BMW 328i xDrive. It’s leased and i’m about to lease ...
How soon am I required to insure a vehicle I bought through a private sale?
My foot slipped on the clutch when I was parked in the street and I damaged my neighbor’s fence. Is ...
What’s the difference between an insurance carrier and an insurance agency?
I just bought my first car and have never had insurance. Do I have to be insured to take the ...
See More Questions
I have a local agent and he talks about the “carriers” that he works with. What is the difference?...
|Should I drop my 25yo son from insurance?|
Should I get my insurance company involved or pay for the damage myself if I backed into a tree?
My 25-year-old son totaled one of our vehicles. If we drop him off our ins can we reduce/save major premium ...
See More Questions
I was backing out of my driveway and hit a tree while attempting to avoid other parked cars. Apparently I ...
|Compare More||American Family vs. 21st Century American Family vs. Allied American Family vs. Allstate American Family vs. Auto Club (AAA) American Family vs. Erie American Family vs. Esurance American Family vs. Farm Bureau Mutual American Family vs. Farmers American Family vs. Foremost American Family vs. GEICO American Family vs. Infinity American Family vs. Liberty Mutual American Family vs. Mercury American Family vs. MetLife American Family vs. Nationwide American Family vs. North Star Mutual American Family vs. Progressive American Family vs. SAFECO American Family vs. Safe Auto American Family vs. State Farm American Family vs. The General American Family vs. The Hartford American Family vs. Titan American Family vs. Travelers American Family vs. USAA||Amica Mutual Insurance vs. 21st Century Amica Mutual Insurance vs. Allied Amica Mutual Insurance vs. Allstate Amica Mutual Insurance vs. Auto Club (AAA) 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. 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|
“What you don’t know can’t hurt you…” … is an entirely false statement in the world of auto insurance. Car...
Today The Zebra announced that we closed a record-breaking $40 million Series B funding round, led by Accel Partners. As...
Insurance technology (also known as InsurTech or InsureTech) is en vogue. Whether it’s a new model of underwriting or new...
As driverless vehicles become less a futuristic dream and more a reality, our current system – which is obviously based...
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
At The Zebra, insurance is our bread and butter. But in this enormous and complicated industry, there are lines of...
Car insurance companies may occasionally cancel policies if customers fail to pay the premium, commit insurance fraud, make unapproved modifications that change the...
Far from a victimless crime perpetuated against bloated corporations, insurance fraud reaches into the lives of everyday citizens. It costs the industry...
In the U.S., drivers are legally required to carry auto insurance. (Even in New Hampshire, the only state where drivers...
Rate increase? Click to find the cheapest rates on car insurance → Lower gas prices = more road traffic...
By Alyssa Connolly, The Zebra We have exciting news on The Zebra front! Today we announced that we closed $17...
In the week following October 10, a story of law enforcement cracking down on a drunk driver spread quickly across...
The defining characteristics of the 80 million young people currently between the ages 18 and 34 has been much debated....
Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...
Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...
Sometimes things aren’t what they seem at the scene of a car crash, or even on the repair shop floor....
Pop quiz: What’s the largest potential technological disrupter of the car insurance industry? (Besides The Zebra, of course.) Answer: telematics....
A traffic ticket of any kind is bad enough—the extra money, the time spent in traffic court or diversion, the...
Anyone who’s ever searched for an auto insurance company knows by the questions they’re asked—plentiful and at times personal—that a...
If you haven’t had a car accident or made an insurance claim recently, you probably only think about your car...
You just can’t try insurance before you buy it—not really. You can read car insurance company reviews via some online...