21st Century vs. Amica

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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 level21st Century avg. annual premiumAmica 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
Violation21st Century avg. annual premiumAmica avg. annual premium
At-fault accident (damage < $1,000)$2,440$1,646
At-fault accident (damage > $1,000)$1,273$1,152
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 bracket21st Century avg. annual premiumAmica avg. annual premium

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 Comparison21st CenturyAmica 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
New Vehicle
Annual Mileage
Ratings Comparison21st CenturyAmica Mutual Insurance
Financial Strength ExcellentSuperior
JD Power Rankings N/AAbove average
User Satisfaction N/AN/A
Other Products21st CenturyAmica Mutual Insurance
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other Features21st CenturyAmica Mutual Insurance
About21st 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 Assistance21st 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 Discounts21st 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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