Choosing an auto insurance company can be tough: rates can fluctuate based on your driving history, location, and age, and companies offer an array of discounts. Allstate and Amica are two of America's top insurance companies, offering high-quality policies in most regions.
In an effort to simplify the insurance-shopping process, we've pulled average rates from Amica and Allstate. The below cover a variety of pricing factors, including credit rating, driving infractions, and demographics. Examine these rates and find your next car insurance policy today.
Take a deep dive: Check out our full reviews of Allstate and Amica.
If you have very poor credit, Amica could be a better option for you. On average, Amica offers more affordable rates than Allstate for prospective clients with credit scores of 579 or less. Those with excellent credit — a score of 800-plus — should favor Check out typical insurance rates by credit score for Amica and Allstate below.
| Credit level | Allstate avg. annual premium | Amica avg. annual premium |
| Very Poor (300-579) | $3,117 | $2,010 |
| Fair (580-669) | $2,162 | $1,389 |
| Good (670-739) | $2,021 | $1,352 |
| Very Good (740-799) | $1,820 | $1,174 |
| Exceptional (800-850) | $1,743 | $1,057 |
If you have an at-fault collision, speeding violation, reckless driving violation, or DUI in your rear view mirror, Amica could be a better choice than Allstate. Every car insurance company prices its policies differently, so don't be afraid to shop around to understand which insurance company suits you.
| Infraction | Allstate avg. annual premium | Amica avg. annual premium |
| At-fault accident (damage < $1,000) | $3,006 | $1,646 |
| At-fault accident (damage > $1,000) | $2,290 | $1,152 |
| DUI/DWI | $3,637 | $3,356 |
| Reckless driving | $3,388 | $2,761 |
| Speeding ticket | $2,256 | $1,390 |
Insurance companies rely on a driver's age to outline risk potential, pricing policies accordingly. An auto insurance policy is typically expensive for teen drivers — due to their increased odds of being involved in an accident — and more affordable for middle-aged drivers. Because every auto insurance company evaluates age tiers uniquely, it's wise to compare rates and find a great fit.
As a general rule, teen drivers should choose Amica over Allstate: the former's average annual rates are $1,076 less than the latter's..
| Age tier | Allstate avg. annual premium | Amica avg. annual premium |
| Teens | $6,442 | $5,366 |
| 20s | $2,636 | $1,631 |
| 30s | $1,920 | $1,631 |
| 40s | $1,912 | $1,151 |
| 50s | $1,893 | $1,105 |
| 60s | $1,768 | $1,066 |
Aside from affordability, Allstate and Amica both 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 | Allstate | 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 | ||
| Telematics | ||
| New Vehicle | ||
| Annual Mileage | ||
| Military |
| Ratings Comparison | Allstate | Amica Mutual Insurance |
|---|---|---|
| Financial Strength | Excellent | Superior |
| JD Power Rankings | Average | Excellent |
| User Satisfaction | 4.3/5 | 4.3/5 |
| Other Products | Allstate | 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 | Allstate | Amica Mutual Insurance |
|---|---|---|
| About | Insurance doesn’t have to be a compromise. With Allstate you can get the protection you need and the new low rates you want. See how much you can save today. | 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 | Allstate offers three types of roadside service to customers with and without an Allstate insurance plan. Annual roadside membership plans and pay-per-use plans are available, and if you have Allstate insurance, you can add roadside coverage to your policy. The pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $119 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). | 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 | Allstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired. | 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 |
Do I have to list my spouse as a driver?
You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.
Car insurance for elderly car owner who doesn't drive
There's a couple of ways to go about handling this. First, you need to be careful about your mother's registration.
What should I do if I cancelled my insurance policy but the company drafted money out of my account afterward?
While I can't say with a certainty, it sounds like you were set up for EFT (auto-draft) payments with Allstate so you didn't have to worry about calling in or mailing a payment. Unfortunately with EFT options, it may not be possible to stop a scheduled payment draft depending on when the payment is set to be withdrawn.
See More Questions
|
|
| Compare More | Allstate vs. 21st Century Allstate vs. Allied Allstate vs. American Family Allstate vs. Erie Allstate vs. Esurance Allstate vs. Farm Bureau Mutual Allstate vs. Foremost Allstate vs. Infinity Allstate vs. Liberty Mutual Allstate vs. Mercury Allstate vs. MetLife Allstate vs. North Star Mutual Allstate vs. Progressive Allstate vs. Root Insurance Allstate vs. Safe Auto Allstate vs. The General Allstate vs. The Hartford Allstate vs. Titan | Amica Mutual Insurance vs. 21st Century Amica Mutual Insurance vs. Allied Amica Mutual Insurance vs. American Family Amica Mutual Insurance vs. Auto Club (AAA) 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 |