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.
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:
| 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 |
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.
| 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 |
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.
| 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.
| Discount Comparison | 21st Century | Amica 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 Comparison | 21st Century | Amica Mutual Insurance |
|---|---|---|
| Financial Strength | Excellent | Superior |
| JD Power Rankings | N/A | Above average |
| User Satisfaction | N/A | N/A |
| Other Products | 21st Century | Amica Mutual Insurance |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | 21st Century | Amica Mutual Insurance |
|---|---|---|
| About | 21st Century, part of the Farmers Insurance Group, is a leading US insurer of automobiles, dedicated to providing customers with superior coverage and 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 | 21st Century customers are automatically enrolled in the 21st Roadside Assistance program at no additional cost. 21st Roadside Assistance provides 24/7 towing, lock-out service and other emergency services, limited to five service calls per vehicle per calendar year. 21st Roadside Assistance coverage is provided for up to $75 ($80 in TX, $100 in NC) in roadside services. Service applies to labor only. Parts (tires, batteries, belts, etc.) and gasoline are not included. | 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 | 21st Century offers an additional discount for seniors in select states. | 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 | Should I drop my 25yo son from insurance? To answer your first question, will removing your son from the policy help decrease your premium, it depends. Some companies are going to charge you because the claim was made on your policy so your rates can still be impacted at renewal, even if you take your son off the policy. Should I get my insurance company involved or pay for the damage myself if I backed into a tree?It will ultimately depend on your deductible and the extent of the damage. Unfortunately, backing into a tree will be considered an "at-fault" accident if you file a claim with your insurance company. See More Questions | |
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| Top States | California | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas |