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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||4 out of 5||4 out of 5|
|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.|
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|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. SafeAuto 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. SafeAuto 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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