American Family vs Amica Mutual Insurance Car Insurance

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American Family or Amica Mutual Insurance:
Which Company is Best for You?

Choosing an auto insurance company is complex: the rates each insurer offers can vary widely based on your driving history, location, and age, and every company's discounts differ. American Family and Amica are two of the most popular insurance companies, providing affordable insurance policies across large portions of America.

In an effort to take the sting out of shopping for car insurance, we gathered average prices from Amica and American Family. The below cover myriad rating factors, including credit quality, driving history, and age. Take a look at these rates and find the right policy for you.

Want to learn more? Read our full reviews of American Family and Amica.


Compare American Family vs. Amica auto insurance rates


American Family vs. Amica: by credit level

If you have very poor credit, American Family could be the way to go. On average, American Family offers better rates than Amica for drivers with credit scores of 579 or less. Those with exceptional credit — a score of 800 or better — should opt for American Family, which typically beats Amica by $116 annually. View typical insurance rates by credit score for Amica and American Family below.


CREDIT SCORE INSURANCE RATE COMPARISON: Amica VS. American Family
Credit scoreAmerican Family avg. annual premiumAmica avg. annual premium
Very Poor (300-579)$1,931$2,010
Fair (580-669)$1,294$1,389
Good (670-739)$1,220$1,352
Very Good (740-799)$1,009$1,174
Exceptional (800-850)$941$1,057

American Family vs. Amica: costs for high-risk drivers

If you are saddled with an at-fault collision, speeding violation, reckless driving citation, or DUI offense on your driving résumé, Amica could be a better choice than American Family. Every insurance company prices its policies differently, so don't hesitate to shop around to figure out which insurer is best for you.


RATES BY VIOLATION: Amica VS. American Family
InfractionAmerican Family avg. annual premiumAmica avg. annual premium
At-fault accident (damage < $1,000)$1,763$1,646
At-fault accident (damage > $1,000)$990$1,152
DUI/DWI$1,857$3,356
Reckless driving$1,857$2,761
Speeding ticket$1,270$1,390

American Family vs. Amica: rates by age bracket

Insurers use a driver's age to indicate risk, pricing policies accordingly. An auto insurance policy is often priciest for young drivers — due to their inexperience — and relatively affordable for drivers aged 25 or older. Since every insurance company evaluates age brackets differently, it's wise to compare rates and find a great fit.

As a general rule, teen drivers should choose American Family over Amica: American Family offers average yearly savings of $1,556 versusAmica.


AGE BRACKET INSURANCE RATE COMPARISON: Amica VS. American Family
AgeAmerican Family avg. annual premiumAmica avg. annual premium
Teens$3,810$5,366
20s$1,685$1,631
30s$1,101$1,631
40s$1,089$1,151
50s$1,089$1,105
60s$986$1,066

Cost aside, American Family and Amica both have pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to shop around before settling on an option.

Discount ComparisonAmerican FamilyAmica 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 ComparisonAmerican FamilyAmica Mutual Insurance
Financial Strength ExcellentSuperior
JD Power Rankings
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
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

A

A+

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Other FeaturesAmerican FamilyAmica Mutual Insurance
AboutAmerican 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 AssistanceAmerican 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 DiscountsNone AvailableAmica 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
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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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American Family vs Amica Mutual Insurance

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