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

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21st Century or Amica Mutual Insurance: Which company is best 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.

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 supported supported
Multiple Policies supported supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported supported
Anti-Lock Brake System supported supported
Air Bags supported supported
Good Driver supported
Defensive Driver supported supported
Student Away at School supported supported
Driver Training supported supported
Green Vehicles supported supported
Affinity Membership Alum supported
Advanced Purchase supported
Pay in Full supported supported
Home Owner supported
eSign or ePay
New Vehicle supported
Annual Mileage
Ratings Comparison 21st Century Amica Mutual Insurance
Financial Strength Question mark icon Excellent Superior
JD Power Rankings Question mark icon N/A Excellent
User Satisfaction Question mark icon N/A N/A
Other Products 21st Century Amica Mutual Insurance
Boat Insurance supported
Condo Insurance supported
Life Insurance supported
Homeowners Insurance supported
Travel Trailer Insurance
Renters Insurance supported
RV Insurance
Motorcycle Insurance supported
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.
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