Choosing an auto insurance company is complex: the rates each insurer offers can vary widely based on your driving history, location, and age, and every company's discounts differ. American Family and Amica are two of the most popular insurance companies, providing affordable insurance policies across large portions of America.
In an effort to take the sting out of shopping for car insurance, we gathered average prices from Amica and American Family. The below cover myriad rating factors, including credit quality, driving history, and age. Take a look at these rates and find the right policy for you.
Want to learn more? Read our full reviews of American Family and Amica.
If you have very poor credit, American Family could be the way to go. On average, American Family offers better rates than Amica for drivers with credit scores of 579 or less. Those with exceptional credit — a score of 800 or better — should opt for American Family, which typically beats Amica by $116 annually. View typical insurance rates by credit score for Amica and American Family below.
| Credit score | American Family avg. annual premium | Amica avg. annual premium |
| Very Poor (300-579) | $1,931 | $2,010 |
| Fair (580-669) | $1,294 | $1,389 |
| Good (670-739) | $1,220 | $1,352 |
| Very Good (740-799) | $1,009 | $1,174 |
| Exceptional (800-850) | $941 | $1,057 |
If you are saddled with an at-fault collision, speeding violation, reckless driving citation, or DUI offense on your driving résumé, Amica could be a better choice than American Family. Every insurance company prices its policies differently, so don't hesitate to shop around to figure out which insurer is best for you.
| Infraction | American Family avg. annual premium | Amica avg. annual premium |
| At-fault accident (damage < $1,000) | $1,763 | $1,646 |
| At-fault accident (damage > $1,000) | $990 | $1,152 |
| DUI/DWI | $1,857 | $3,356 |
| Reckless driving | $1,857 | $2,761 |
| Speeding ticket | $1,270 | $1,390 |
Insurers use a driver's age to indicate risk, pricing policies accordingly. An auto insurance policy is often priciest for young drivers — due to their inexperience — and relatively affordable for drivers aged 25 or older. Since every insurance company evaluates age brackets differently, it's wise to compare rates and find a great fit.
As a general rule, teen drivers should choose American Family over Amica: AMERICAN FAMILY offers average yearly savings of $1,556 versusAmica.
| Age | American Family avg. annual premium | Amica avg. annual premium |
| Teens | $3,810 | $5,366 |
| 20s | $1,685 | $1,631 |
| 30s | $1,101 | $1,631 |
| 40s | $1,089 | $1,151 |
| 50s | $1,089 | $1,105 |
| 60s | $986 | $1,066 |
Cost aside, American Family and Amica both have pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to shop around before settling on an option.
| Discount Comparison | American Family | 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 | American Family | Amica Mutual Insurance |
|---|---|---|
| Financial Strength | Excellent | Superior |
| JD Power Rankings | ||
| User Satisfaction | A | A+ |
| Other Products | American Family | 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 | American Family | Amica Mutual Insurance |
|---|---|---|
| About | American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships. | 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 | American Family’s Emergency Roadside Service covers reasonable costs you can incur if you're car breaks down. These costs may include mechanical labor for up to one hour at the place of your vehicle’s breakdown, towing to the nearest place where the necessary repairs can be made, delivery of gas and oil, the cost of labor for a tire change or battery charge (not including the cost of any delivered item), and the cost of labor for locksmith services (not including the cost to replace locks or keys). | 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 | None Available | 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 | Are some insurance providers better suited to my needs than others to get the best rate? Because most coverage options can be matched across insurance companies, I think what you are really looking for is the best customer service/claims support for the best cost. Right off the bat, I know Geico probably wouldn't be an option for you with a leased vehicle. 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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