Allstate vs Amica: Which is Better for You?

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Allstate or Amica Mutual Insurance: Which company is best for you?

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.


Allstate vs. Amica: by credit level

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

Allstate vs. Amica: by citation

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

Allstate vs. Amica: by age

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 supported supported
Multiple Policies supported supported
Multiple Vehicles supported
Anti-Theft Device(s) supported supported
Anti-Lock Brake System supported supported
Air Bags supported
Good Driver supported
Defensive Driver supported
Student Away at School supported supported
Driver Training supported
Green Vehicles supported
Affinity Membership Alum
Advanced Purchase supported
Pay in Full supported supported
Home Owner
eSign or ePay
Telematics supported
New Vehicle supported
Annual Mileage
Ratings Comparison Allstate Amica Mutual Insurance
Financial Strength Question mark icon Excellent Superior
JD Power Rankings Question mark icon Average Excellent
User Satisfaction Question mark icon 4.3/5 4.3/5
Other Products Allstate Amica Mutual Insurance
Boat Insurance supported supported
Condo Insurance supported supported
Life Insurance supported supported
Homeowners Insurance supported supported
Travel Trailer Insurance supported
Renters Insurance supported supported
RV Insurance supported
Motorcycle Insurance supported supported
Mobile Home Insurance supported
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.
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