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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|
|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.|
|Compare More||Erie vs. 21st Century Erie vs. Allied Erie vs. Allstate Erie vs. American Family Erie vs. Auto Club (AAA) Erie vs. Esurance Erie vs. Farm Bureau Mutual Erie vs. Farmers Erie vs. Foremost Erie vs. GEICO Erie vs. Infinity Erie vs. Liberty Mutual Erie vs. Mercury Erie vs. MetLife Erie vs. Nationwide Erie vs. North Star Mutual Erie vs. Progressive Erie vs. SAFECO Erie vs. Safe Auto Erie vs. State Farm Erie vs. The General Erie vs. The Hartford Erie vs. Titan Erie vs. Travelers Erie vs. USAA||Amica Mutual Insurance vs. 21st Century Amica Mutual Insurance vs. Allied Amica Mutual Insurance vs. Allstate Amica Mutual Insurance vs. American Family Amica Mutual Insurance vs. Auto Club (AAA) 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||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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