21st Century vs Amica: Which is Better for You?

Choosing a car insurer can be hard: rates can vary by driving history, age, and location, and every company's discounts differ. 21st Century and Amica are two of the most popular insurance companies, providing affordable coverage in many states.

To help simplify the insurance-shopping process, we gathered average rates from Amica and 21st Century. These take into account myriad rating factors, including credit score, driving history, and age. Examine these figures and find the perfect policy for you.

Take a deep dive: Read our reviews of 21st Century and Amica.

Comparing car insurance rates: 21st Century vs. Amica

21st Century vs. Amica: prices by credit level

If you have very poor credit, 21st Century could be preferable to 21st Century. On average, 21st Century offers cheaper premiums than Amica for prospective clients with credit scores of lower than 580. Drivers with outstanding credit — a score of 800 or higher — should lean toward View typical insurance rates by credit score for Amica and 21st Century:

RATES BY CREDIT SCORE: Amica VS. 21st Century

Credit level	21st Century avg. annual premium	Amica avg. annual premium
Very Poor (300-579)	$1,363	$2,010
Fair (580-669)	$1,363	$1,389
Good (670-739)	$1,657	$1,352
Very Good (740-799)	$1,363	$1,174
Exceptional (800-850)	$1,363	$1,057

21st Century vs. Amica: high-risk driver rates

If you've got an at-fault accident, speeding ticket, reckless driving citation, or DUI offense on your record, Amica could be a better choice than 21st Century. Every car insurance company enacts rate penalties differently, so always do your due diligence and compare quotes to understand which insurance company suits you.

RATES BY CITATION: Amica VS. 21st Century

Violation	21st Century avg. annual premium	Amica avg. annual premium
At-fault accident (damage < $1,000)	$2,440	$1,646
At-fault accident (damage > $1,000)	$1,273	$1,152
DUI/DWI	$3,949	$3,356
Reckless driving	$3,949	$2,761
Speeding ticket	$1,781	$1,390

21st Century vs. Amica: rates by age

Insurers rely on age as an indicator of potential risk, pricing premiums accordingly. Car insurance is commonly expensive for teen drivers — thanks to their inexperience — and relatively affordable for middle-aged drivers. Since each insurance company evaluates age tiers differently, it's wise to compare rates and find great coverage.

As a general rule, teen drivers should choose 21st Century before Amica: 21st Century offers average yearly savings of $133 versusAmica.

COMPARING AUTO INSURANCE RATES BY AGE: Amica VS. 21st Century

Age bracket	21st Century avg. annual premium	Amica avg. annual premium
Teens	$5,233	$5,366
20s	$1,795	$1,631
30s	$1,342	$1,631
40s	$1,313	$1,151
50s	$1,244	$1,105
60s	$1,117	$1,066

Aside from affordability, 21st Century and Amica each have pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Dive into the data before making your decision.