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.
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|
|Very Good (740-799)||$1,009||$1,174|
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|
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|
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|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||American Family||Amica Mutual Insurance|
|JD Power Rankings||Below average||Above average|
|Other Products||American Family||Amica Mutual Insurance|
|Travel Trailer 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
|Compare More||American Family vs. 21st Century American Family vs. Allied American Family vs. Allstate American Family vs. Auto Club (AAA) American Family vs. Erie American Family vs. Esurance American Family vs. Farm Bureau Mutual American Family vs. Farmers American Family vs. Foremost American Family vs. GEICO American Family vs. Infinity American Family vs. Liberty Mutual American Family vs. Mercury American Family vs. MetLife American Family vs. Nationwide American Family vs. North Star Mutual American Family vs. Progressive American Family vs. Safe Auto American Family vs. Safeco American Family vs. State Farm American Family vs. The General American Family vs. The Hartford American Family vs. Titan American Family vs. Travelers American Family vs. USAA||Amica Mutual Insurance vs. 21st Century Amica Mutual Insurance vs. Allied Amica Mutual Insurance vs. Allstate 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|