Choosing an auto insurer is sometimes difficult: the rates each insurer offers can vary widely based on your location, age, and driving history, and every company's discounts differ. Erie and Amica are two of the most popular insurers, offering competitively priced policies in most states.
To help simplify the comparison process, we've collected average rates from Amica and Erie. The below rates cover an array of pricing factors, including credit rating, driving behavior, and age. Check out the below rates and find the perfect policy for you.
If you have very poor credit, Amica could be a better option for you. On average, Amica offers more affordable rates than Erie for prospective clients with credit scores of lower than 580. Drivers with exceptional credit — a score of 800 or better — should favor Erie, which typically beats Amica by $331 per year. View common insurance rates by credit level for Amica and Erie below.
|Credit level||Erie avg. annual premium||Amica avg. annual premium|
|Very Poor (300-579)||$2,402||$2,010|
|Very Good (740-799)||$743||$1,174|
If you are carrying an at-fault collision, speeding violation, reckless driving violation, or DUI in your rear view mirror, Erie could be a better choice than Amica. Each car insurance company prices policies differently after a violation, so it's worth comparing quotes to find out which insurer suits you.
|Violation||Erie avg. annual premium||Amica avg. annual premium|
|At-fault accident (damage < $1,000)||$893||$1,646|
|At-fault accident (damage > $1,000)||$772||$1,152|
Insurance companies use age to outline potential risk, assigning rates accordingly. Auto insurance is typically most expensive for teen drivers — because of their inexperience — and relatively affordable for older drivers. Because every insurance company prices age tiers in a different way, it's smart to shop around and find the perfect policy for you.
As a general rule, teen drivers should choose Erie over Amica: Erie offers average yearly savings of $3,128 versusAmica.
|Age||Erie avg. annual premium||Amica avg. annual premium|
Aside from finances, Erie and Amica each carry pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.
|Discount Comparison||Erie||Amica Mutual Insurance|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Erie||Amica Mutual Insurance|
|JD Power Rankings||5 out of 5||4 out of 5|
|Other Products||Erie||Amica Mutual Insurance|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Erie||Amica Mutual Insurance|
|About||Erie Insurance provides customers with the flexibility to customize their car insurance by offering over 30 extra policy features, along with the highest levels of customer service.||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||Erie provides 24-hour roadside assistance for an additional fee on your policy that covers reasonable auto towing and required labor cost at the site of your vehicle breakdown.||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||Erie offers an additional discount called "Reduced Usage" that provides a lower rate on your policy if your vehicle is unused for 90 consecutive days during the policy period.||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||Will Erie reinstate my policy after non-payment?|
I was injured in a car accident two months ago, can I still file a claim?
I have had Erie for 31 years..2 home owners and also auto...
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|Should I drop my 25yo son from insurance?|
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I was backing out of my driveway and hit a tree while attempting to avoid other parked cars. Apparently I ...
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|States Offered||Illinois Indiana Kentucky Maryland New York North Carolina Ohio Pennsylvania Tennessee Virginia||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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