Farmers vs Amica Mutual Insurance Car Insurance

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

Picking an auto insurance company can be tough: companies' rates may vary by driving history, age, and location, and every company provides a different set of discounts. Farmers and Amica are two of America's most popular car insurance companies, providing competitively priced insurance policies across large swaths of the US.

To help simplify the comparison process, we've pulled average policy prices from Amica and Farmers. These take into account myriad rating factors, including credit rating, driving behavior, and age. Take a look at these rates and find your next car insurance policy today.

 

Farmers vs. Amica: insurance rate comparison

 

Farmers vs. Amica: prices by credit level

If you have extremely bad credit, Amica could be the best option for you. On average, Amica offers better premiums than Farmers for prospective clients with credit scores of 579 or less. Drivers with exceptional credit — a score of 800 or better — should lean toward View typical insurance costs by credit tier for Amica and Farmers below.

 

RATES BY CREDIT LEVEL: Amica VS. Farmers
Credit levelFarmers avg. annual premiumAmica avg. annual premium
Very Poor (300-579)$2,633$2,010
Fair (580-669)$1,736$1,389
Good (670-739)$1,882$1,352
Very Good (740-799)$1,459$1,174
Exceptional (800-850)$1,354$1,057

 

Farmers vs. Amica: rates for bad drivers

If you're carrying an at-fault accident, speeding ticket, reckless driving citation, or DUI offense on your résumé, Amica could be a better choice than Farmers. Every insurer prices its policies differently, so don't hesitate to shop around to find out which insurer is best for you.

 

COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: Amica VS. Farmers
ViolationFarmers avg. annual premiumAmica avg. annual premium
At-fault accident (damage < $1,000)$2,334$1,646
At-fault accident (damage > $1,000)$1,699$1,152
DUI/DWI$3,239$3,356
Reckless driving$4,636$2,761
Speeding ticket$2,045$1,390

 

Farmers vs. Amica: rates by age bracket

Auto insurance companies rely on a driver's age to outline risk potential, pricing policies accordingly. An insurance policy is commonly expensive for drivers younger than 25 — thanks to their inexperience — and most affordable for middle-aged drivers. Because every insurance company evaluates age tiers in a different way, it's worth comparing rates and shopping around.

As a general rule, teen drivers should choose Amica over Farmers: the former's average annual rates are $1,152 less than the latter's..

 

COMPARING AUTO INSURANCE RATES BY AGE: Amica VS. Farmers
Age bracketFarmers avg. annual premiumAmica avg. annual premium
Teens$6,518$5,366
20s$2,020$1,631
30s$1,543$1,631
40s$1,511$1,151
50s$1,507$1,105
60s$1,402$1,066

 

Aside from affordability, Farmers and Amica each come with pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonFarmersAmica 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 ComparisonFarmersAmica Mutual Insurance
Financial Strength ExcellentSuperior
JD Power Rankings
3 out of 5
4 out of 5
User Satisfaction

A+

A+

Other ProductsFarmersAmica Mutual Insurance
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesFarmersAmica Mutual Insurance
AboutFarmers Auto Insurance knows that protecting your vehicle is more than just a basic obligation, which is why they provide all the value and flexibility you need, along with unparalleled customer and claim 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 AssistanceFarmer's Roadside Assistance provides assistance for reasonable and necessary services up to $150, including towing, roadside winching, locksmith services, flat tire changes, and jump starts.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 DiscountsFarmers offers an additional discount for seniors.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 QuestionsAre some insurance providers better suited to my needs than others to get the best rate?

I am 25 years old and currently drive a 2015 BMW 328i xDrive. It’s leased and i’m about to lease ...

Does Farmers allow exclusions?

Can I exclude my boyfriend on my Farmer’s car insurance policy?...

Will my farmers insurance cover my towing off the the NJ turnpike

Car was towed to the nearest exit off of the turnpike...

Will insurance cover someone other than the insured?

My dad and I live separately. But if I were to borrow this vehicle and get into an accident, would ...

See More Questions
Should I drop my 25yo son from insurance?

My 25-year-old son totaled one of our vehicles. If we drop him off our ins can we reduce/save major premium ...

Should I get my insurance company involved or pay for the damage myself if I backed into a tree?

I was backing out of my driveway and hit a tree while attempting to avoid other parked cars. Apparently I ...

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

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