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.
Compare Allstate vs. Amica auto insurance rates
Allstate vs. Amica: pricing by credit score
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.
RATES BY CREDIT LEVEL: AMICA VS. ALLSTATE
| 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: high-risk insurance rate comparison
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.
HIGH-RISK INSURANCE RATE COMPARISON: AMICA VS. ALLSTATE
| 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: rates 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..
COMPARING AUTO INSURANCE RATES BY AGE: AMICA VS. ALLSTATE
| 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 |
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| Multiple Policies |
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| Multiple Vehicles |
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| Anti-Theft Device(s) |
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| Anti-Lock Brake System |
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| Air Bags |
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| Good Driver |
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| Defensive Driver |
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| Student Away at School |
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| Driver Training |
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| Green Vehicles |
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| Affinity Membership Alum | ||
| Advanced Purchase |
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| Pay in Full |
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| eSign or ePay | ||
| Telematics |
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| New Vehicle |
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| 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 |
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| Travel Trailer Insurance |
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| Motorcycle Insurance |
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| Mobile Home Insurance |
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| 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 |
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.
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