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.
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|
|Very Good (740-799)||$3,004||$1,174|
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|
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|
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|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Auto Club (AAA)||Amica Mutual Insurance|
|JD Power Rankings||Below average||Excellent|
|Other Products||Auto Club (AAA)||Amica Mutual Insurance|
|Travel Trailer 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.|
I want to get my own car insurance, but my mom won't let me.
Because your mother has an umbrella policy through AAA, she is likely required to have you rated as a driver on her policy. This is a common requirement with insurance carriers who offer umbrella insurance.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 get AAA roadside assistance without having insurance with them?
You should be able to purchase roadside assistance with AAA without switching your insurance coverage to AAA. Their roadside coverage is actually offered separate from their insurance policies for this specific reason.See More Questions
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