Amica Mutual Insurance vs Allied Car Insurance

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

Choosing an auto insurance company can be tough: companies' rates differ by driving record, location, and age, and every company's discounts vary. Amica and Allied are two of America's most popular insurance companies, selling affordable insurance policies in many states.

In an effort to simplify the insurance-shopping process, we gathered average premiums from Allied and Amica. The below cover myriad pricing components, including credit score, driving history, and demographics. Examine these rates and find an affordable policy today.

Looking for additional insights? Check out our reviews of Amica and Allied.


Compare Amica vs. Allied auto insurance rates


Amica vs. Allied: by credit level

If you have very bad credit, Allied could be the best option for you. Typically, Allied offers lower rates than Amica for prospective clients with credit scores of 579 or less. Insurance shoppers with exceptional credit — a score of 800 or higher — should favor Check out typical insurance rates by credit score for Allied and Amica below.


CREDIT SCORE INSURANCE RATE COMPARISON: Allied VS. Amica
Credit levelAmica avg. annual premiumAllied avg. annual premium
Very Poor (300-579)$2,010$1,483
Fair (580-669)$1,389$1,097
Good (670-739)$1,352$1,104
Very Good (740-799)$1,174$920
Exceptional (800-850)$1,057$857

Amica vs. Allied: high-risk insurance rates

If you have an at-fault collision, speeding ticket, reckless driving violation, or DWI on your record, Amica could be a better choice than Allied. Each insurance company has different post-violation pricing structures, so it's worth comparing quotes to figure out which insurer is best for you.


HIGH-RISK INSURANCE RATE COMPARISON: Allied VS. Amica
ViolationAmica avg. annual premiumAllied avg. annual premium
At-fault accident (damage < $1,000)$1,646$1,662
At-fault accident (damage > $1,000)$1,152$1,221
DUI/DWI$3,356$2,708
Reckless driving$2,761$2,708
Speeding ticket$1,390$1,232

Amica vs. Allied: rates by age bracket

Insurance companies rely on a driver's age to estimate risk, assigning rates accordingly. Auto insurance is commonly priciest for young drivers — due to their increased odds of being involved in an accident — and more affordable for middle-aged drivers. Because every car insurance company prices age tiers differently, it's worth comparing rates and shopping around.

As a general rule, teen drivers should choose Allied over Amica: the former's average annual rates are $1,840 less than the latter's..


COMPARING AUTO INSURANCE RATES BY AGE: Allied VS. Amica
Age bracketAmica avg. annual premiumAllied avg. annual premium
Teens$5,366$3,526
20s$1,631$1,392
30s$1,165$1,392
40s$1,151$959
50s$1,105$915
60s$1,066$832

Cost aside, Amica and Allied come with pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount ComparisonAmica Mutual InsuranceAllied
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 ComparisonAmica Mutual InsuranceAllied
Financial Strength SuperiorSuperior
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 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A+

A+

Other ProductsAmica Mutual InsuranceAllied
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Other FeaturesAmica Mutual InsuranceAllied
AboutAt Amica Mutual Insurance, you'll be protected with an affordable auto policy that's customized to fit your needs, complete with unbeatable customer service.Allied Insurance, a Nationwide company, offers a variety of packages with customizable coverages, discounts, benefits and rewards to make sure your insurance is right for you.
Roadside AssistanceAmica'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.Allied offers roadside assistance to you and your household members while they are driving and even while they are passengers in other vehicles. The roadside coverage offered by Allied includes towing up to 15 miles from the disablement, fuel delivery, lockout coverage, and jump starts.
Additional DiscountsAmica 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.Allied is a subsidiary of Nationwide Insurance and offers additional discounts for being previously insured with Farm Bureau and a policy feature to lock in your rates annually.
Recent QuestionsWill my insurance company cover my vehicle if my cousin was driving my car?
Insurance follows the vehicle, so if you have collision coverage on your vehicle then your insurance company should cover the damage. You will need to contact them to confirm and begin the claims process.
If I claim my injuries after an accident, will that make my rates higher?
Since North Carolina does not fall into the No Fault state category, filing an injury claim is less likely to impact your future rates but that's not exactly guaranteed. You can always shop for a new policy down the road if you do see an increase, but since you weren't actually injured you could always discuss the details with your insurance company and they can advise you of your options.
Should I cancel my policy if I sold my vehicle and won't be getting another car for a month?
<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;Canceling your auto insurance when you sell a vehicle sounds like a good idea until you realize the potential pitfalls of doing so. While it may not make sense to maintain auto insurance when you no longer own a vehicle, consider the fact that you still have to have insurance to test drive a vehicle that you are thinking about purchasing.
How much do car insurance rates go up after a DUI?
<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;Unfortunately there is no way to provide an accurate number or percentage due to the fact that there are so many variables when pricing insurance. One thing to keep in mind is that if he is already insured then the chance of his insurance company finding out about the violation are slim to none.
See More 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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Amica Mutual Insurance vs Allied

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