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.
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|
|Very Good (740-799)||$1,174||$920|
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|
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|
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|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Amica Mutual Insurance||Allied|
|JD Power Rankings||Above average||N/A|
|Other Products||Amica Mutual Insurance||Allied|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Amica Mutual Insurance||Allied|
|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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|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|