AAA vs. Amica

Compare rates from the top car insurance companies in your area.

Location pin icon
glyph-shield-checkmark No junk mail. No spam calls. Free quotes.

Auto Club (AAA) or Amica Mutual Insurance:
Which Company is Best for You?

Deciding on a car insurance company can be difficult: the rates each insurer offers can vary widely based on your driving record, age, and location, and companies offer an array of perks. AAA and Amica are two of America's most popular insurers, providing affordable coverage across most of the US.

In an effort to simplify the process of comparing insurance companies, we pulled average policy prices from Amica and AAA. These cover a variety of pricing components, including credit rating, driving behavior, and age. Examine these figures and find your next car insurance policy today.

Seeking more information? Check out our comprehensive reviews of AAA and Amica.


Comparing car insurance rates: AAA vs. Amica


AAA vs. Amica: by credit level

If you have very poor credit, Amica could be preferable to AAA. On average, Amica offers cheaper premiums than AAA for drivers with credit scores of 579 or less. Drivers with exceptional credit — a score of 800 or higher — should consider View common insurance rates by credit score for Amica and AAA below.

Credit level AAA avg. annual premium Amica avg. annual premium
Very Poor (300-579) $6,569 $2,010
Fair (580-669) $4,023 $1,389
Good (670-739) $3,723 $1,352
Very Good (740-799) $3,004 $1,174
Exceptional (800-850) $2,814 $1,057

AAA vs. Amica: high-risk driver rates

If you're carrying an at-fault crash, speeding ticket, reckless driving violation, or DUI on your record, Amica could be a better choice than AAA. Each auto insurance company prices its policies differently, so always do your due diligence and compare quotes to understand which insurer is best for you.

Violation AAA avg. annual premium Amica avg. annual premium
At-fault accident (damage < $1,000) $4,078 $1,646
At-fault accident (damage > $1,000) $4,002 $1,152
DUI/DWI $5,530 $3,356
Reckless driving $5,530 $2,761
Speeding ticket $4,078 $1,390

AAA vs. Amica: rates by age

Car insurance companies use age as an estimator of risk, assigning rates accordingly. A car insurance policy is commonly most expensive for young drivers — due to their inexperience — and relatively affordable for drivers aged 25 or older. Because every car insurance company prices ages differently, it's wise to compare rates and find a great fit.

As a general rule, teen drivers should choose Amica instead of AAA: the former's average annual rates are $4,890 less than the latter's..

Age tier AAA avg. annual premium Amica avg. annual premium
Teens $10,256 $5,366
20s $4,644 $1,631
30s $3,248 $1,631
40s $3,195 $1,151
50s $3,083 $1,105
60s $2,887 $1,066

Aside from affordability, AAA and Amica each carry pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.

Discount Comparison Auto Club (AAA) 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
New Vehicle
Annual Mileage
Ratings Comparison Auto Club (AAA) Amica Mutual Insurance
Financial Strength Superior Superior
JD Power Rankings Below average Excellent
User Satisfaction 4.2/5 4.2/5
Other Products Auto Club (AAA) 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 Auto Club (AAA) Amica Mutual Insurance
About Auto Club provides its customers with customizable payment options, competitive rates and excellent features. 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 AAA offers three tiers of 24-hour Road Service: Classic, Plus and Premier, which all include towing, emergency starting, battery service, flat tire assistance, locksmith service, fuel delivery, and extrication/winching service. AAA membership covers you, not your vehicle, so you can call whether you are in your own car, a friend’s car, or a rental. Each AAA cardholder is entitled to four Roadside Assistance service calls or reimbursements per membership year at no charge. 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 AAA offers an additional Garage Parking Discount Original Owner Discount, and maintains a wide-ranging rewards program for AAA members. 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 Can a bank add insurance to my loan when I already have insurance?
This sounds like a processing error. Short of that, I would say that this issue is unfortunately too specific to your policy for me to accurately advise.
How do i dispute a driving record with AAA
The only way you can dispute a claim on your driving history is to contact LexisNexis. That is the database that reports accidents to other companies.
Can I bundle my renters and new car insurance?
We have several companies that will be able to fit your needs. At this time, we do not quote renters insurance on our site but we can quote you with our agency.
Customer service for AAA roadside assistance only versus AAA auto insurance?
Insurance companies are regulated at a state commissioner level and in theory, are supposed to be neutral. But, it's hard to say for sure any being is entirely neutral.
See More Questions
Compare More Auto Club (AAA) vs. 21st Century Auto Club (AAA) vs. Allied Auto Club (AAA) vs. Allstate Auto Club (AAA) vs. American Family Auto Club (AAA) vs. Erie Auto Club (AAA) vs. Esurance Auto Club (AAA) vs. Farm Bureau Mutual Auto Club (AAA) vs. Farmers Auto Club (AAA) vs. Foremost Auto Club (AAA) vs. GEICO Auto Club (AAA) vs. Infinity Auto Club (AAA) vs. Liberty Mutual Auto Club (AAA) vs. Mercury Auto Club (AAA) vs. MetLife Auto Club (AAA) vs. Metromile Auto Club (AAA) vs. Nationwide Auto Club (AAA) vs. North Star Mutual Auto Club (AAA) vs. Progressive Auto Club (AAA) vs. Safe Auto Auto Club (AAA) vs. Safeco Auto Club (AAA) vs. State Farm Auto Club (AAA) vs. The General Auto Club (AAA) vs. The Hartford Auto Club (AAA) vs. Titan Auto Club (AAA) vs. Travelers Auto Club (AAA) vs. USAA Amica 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. Erie Amica Mutual Insurance vs. Esurance Amica Mutual Insurance vs. Farm Bureau Mutual Amica Mutual Insurance vs. Farmers 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. Safe Auto Amica Mutual Insurance vs. Safeco 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
Top States Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas