Amica vs. Allied

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Amica Mutual Insurance or Allied: Which Company is Best for You?

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.


Compare Amica vs. Allied auto insurance rates


Amica vs. Allied: by credit level

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

Amica vs. Allied: high-risk insurance rates

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

Amica vs. Allied: rates by age bracket

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
New Vehicle
Annual Mileage
Ratings Comparison Amica Mutual Insurance Allied
Financial Strength Question mark icon Superior Excellent
JD Power Rankings Question mark icon Excellent N/A
User Satisfaction Question mark icon 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
Other Features Amica Mutual Insurance Allied
About 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. Allied Insurance, a Nationwide company, offers a variety of packages with customizable coverages, discounts, benefits and rewards to make sure your insurance is right for you.
Roadside Assistance 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. Allied offers roadside assistance to you and your household members while they are driving and even while they are passengers in other vehicles. The roadside coverage offered by Allied includes towing up to 15 miles from the disablement, fuel delivery, lockout coverage, and jump starts.
Additional Discounts 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. Allied is a subsidiary of Nationwide Insurance and offers additional discounts for being previously insured with Farm Bureau and a policy feature to lock in your rates annually.
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