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 levelAmica avg. annual premiumAllied 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.

ViolationAmica avg. annual premiumAllied avg. annual premium
At-fault accident (damage < $1,000)$1,646$1,662
At-fault accident (damage > $1,000)$1,152$1,221
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 bracketAmica avg. annual premiumAllied avg. annual premium

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 ComparisonAmica Mutual InsuranceAllied
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 ComparisonAmica Mutual InsuranceAllied
Financial Strength SuperiorExcellent
JD Power Rankings Above averageN/A
User Satisfaction N/AN/A
Other ProductsAmica Mutual InsuranceAllied
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesAmica Mutual InsuranceAllied
Roadside Assistance
Additional DiscountsAmica 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.
Recent Questions
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