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 | Superior | Superior |
| JD Power Rankings | ||
| User Satisfaction | A+ | A+ |
| 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 | Allstate gives quality protection at a great price, complete with personal attention and service you need to choose coverage that makes the most sense for you. | 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 | Every Allstate customer has access to Allstate's 24/7 Roadside network with no annual fee. This pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $99 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). For prepaid options, you may choose Allstate Motor Club for full coverage or elect to add Towing & Labor Coverage to your auto policy. | 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 | Can you make your child a permissive user in order to get a discount? You are not required to make your son a permissive user, so that seems off. You may want to get in touch with Allstate's customer service or your agent. 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 driveThere's a couple of ways to go about handling this. First, you need to be careful about your mother's registration. Can a claim be denied if I have scheduled personal property coverage for a home where I'm no longer living?The issue might be that the policy covering your wife's ring was intended to provide coverage for your primary residence. Most standard homeowners policies require that you actually live full time in the house for which the policy applies. See More Questions | Should I drop my 25yo son from insurance? To answer your first question, will removing your son from the policy help decrease your premium, it depends. Some companies are going to charge you because the claim was made on your policy so your rates can still be impacted at renewal, even if you take your son off the policy. Should I get my insurance company involved or pay for the damage myself if I backed into a tree?It will ultimately depend on your deductible and the extent of the damage. Unfortunately, backing into a tree will be considered an "at-fault" accident if you file a claim with your insurance company. See More Questions |
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