Choosing an auto insurance company can be tough: companies' rates differ by driving record, location, and age, and every company's discounts vary. Amica and Allied are two of America's most popular insurance companies, selling affordable insurance policies in many states.
In an effort to simplify the insurance-shopping process, we gathered average premiums from Allied and Amica. The below cover myriad pricing components, including credit score, driving history, and demographics. Examine these rates and find an affordable policy today.
Looking for additional insights? Check out our reviews of Amica and Allied.
If you have very bad credit, Allied could be the best option for you. Typically, Allied offers lower rates than Amica for prospective clients with credit scores of 579 or less. Insurance shoppers with exceptional credit — a score of 800 or higher — should favor Check out typical insurance rates by credit score for Allied and Amica below.
| Credit level | Amica avg. annual premium | Allied avg. annual premium |
| Very Poor (300-579) | $2,010 | $1,483 |
| Fair (580-669) | $1,389 | $1,097 |
| Good (670-739) | $1,352 | $1,104 |
| Very Good (740-799) | $1,174 | $920 |
| Exceptional (800-850) | $1,057 | $857 |
If you have an at-fault collision, speeding ticket, reckless driving violation, or DWI on your record, Amica could be a better choice than Allied. Each insurance company has different post-violation pricing structures, so it's worth comparing quotes to figure out which insurer is best for you.
| Violation | Amica avg. annual premium | Allied avg. annual premium |
| At-fault accident (damage < $1,000) | $1,646 | $1,662 |
| At-fault accident (damage > $1,000) | $1,152 | $1,221 |
| DUI/DWI | $3,356 | $2,708 |
| Reckless driving | $2,761 | $2,708 |
| Speeding ticket | $1,390 | $1,232 |
Insurance companies rely on a driver's age to estimate risk, assigning rates accordingly. Auto insurance is commonly priciest for young drivers — due to their increased odds of being involved in an accident — and more affordable for middle-aged drivers. Because every car insurance company prices age tiers differently, it's worth comparing rates and shopping around.
As a general rule, teen drivers should choose Allied over Amica: the former's average annual rates are $1,840 less than the latter's..
| Age bracket | Amica avg. annual premium | Allied avg. annual premium |
| Teens | $5,366 | $3,526 |
| 20s | $1,631 | $1,392 |
| 30s | $1,165 | $1,392 |
| 40s | $1,151 | $959 |
| 50s | $1,105 | $915 |
| 60s | $1,066 | $832 |
Cost aside, Amica and Allied come with pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
| Discount Comparison | Amica Mutual Insurance | Allied |
|---|---|---|
| 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 | Amica Mutual Insurance | Allied |
|---|---|---|
| Financial Strength | Superior | Excellent |
| JD Power Rankings | Excellent | N/A |
| User Satisfaction | N/A | N/A |
| Other Products | Amica Mutual Insurance | Allied |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |