AAA vs Amica: Which is Better for You?

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

Location pin icon
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.


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: by citation

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: 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 supported supported
Multiple Policies supported supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported
Anti-Lock Brake System supported
Air Bags supported
Good Driver
Defensive Driver supported
Student Away at School supported supported
Driver Training supported supported
Green Vehicles supported
Affinity Membership Alum supported
Advanced Purchase supported
Pay in Full supported supported
Home Owner
eSign or ePay
Telematics supported
New Vehicle
Annual Mileage supported
Ratings Comparison Auto Club (AAA) Amica Mutual Insurance
Financial Strength Question mark icon Superior Superior
JD Power Rankings Question mark icon Below average Excellent
User Satisfaction Question mark icon 4.2/5 4.2/5
Other Products Auto Club (AAA) Amica Mutual Insurance
Boat Insurance supported supported
Condo Insurance supported supported
Life Insurance supported supported
Homeowners Insurance supported supported
Travel Trailer Insurance
Renters Insurance supported supported
RV Insurance
Motorcycle Insurance supported
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.
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