Erie vs Amica: Which is Better for You?

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Erie or Amica Mutual Insurance: Which company is best for you?

Choosing a car insurance company can be complicated: rates may vary based on your driving record, location, and age, and every company's discounts vary. Erie and Amica are counted among the most popular insurance companies, providing high-quality coverage in many states.

In an effort to make shopping for car insurance easier, we gathered average rates from Amica and Erie. These cover a variety of rating factors, including credit, driving history, and age. Examine these rates and find an affordable policy today.

Looking for additional insights? Check out our comprehensive reviews of Erie and Amica.


Erie vs. Amica: by credit level

If you have very poor credit, Amica could be the best option for you. On average, Amica offers lower rates than Erie for drivers with credit scores of 579 or less. Drivers with exceptional credit — a score of 800 or higher — should lean toward Erie, which typically beats Amica by $331 per year. Check out common insurance costs by credit tier for Amica and Erie below.

Credit level Erie avg. annual premium Amica avg. annual premium
Very Poor (300-579) $2,402 $2,010
Fair (580-669) $1,040 $1,389
Good (670-739) $894 $1,352
Very Good (740-799) $743 $1,174
Exceptional (800-850) $726 $1,057

Erie vs. Amica: by citation

If you are saddled with an at-fault accident, speeding ticket, reckless driving citation, or DUI offense in your rear view mirror, Erie could be a better choice than Amica. Every insurance company prices its policies differently, so it's worth comparing quotes to find out which insurance company suits you.

Violation Erie avg. annual premium Amica avg. annual premium
At-fault accident (damage < $1,000) $893 $1,646
At-fault accident (damage > $1,000) $772 $1,152
DUI/DWI $1,163 $3,356
Reckless driving $760 $2,761
Speeding ticket $747 $1,390

Erie vs. Amica: by age

Insurance companies use a driver's age to indicate risk, pricing premiums on a sliding scale. Insurance is often most expensive for teen drivers — due to their increased odds of being involved in an accident — and most affordable for middle-aged drivers. Because each insurance company evaluates ages in a different way, it's worth doing some comparison shopping.

As a general rule, teen drivers should choose Erie over Amica: Erie offers average yearly savings of $3,128 versusAmica.

Age bracket Erie avg. annual premium Amica avg. annual premium
Teens $2,238 $5,366
20s $1,108 $1,631
30s $765 $1,631
40s $755 $1,151
50s $692 $1,105
60s $676 $1,066

Setting aside cost, Erie and Amica each have pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.

Discount Comparison Erie Amica Mutual Insurance
Good Student supported
Multiple Policies supported supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported supported
Anti-Lock Brake System supported supported
Air Bags supported supported
Good Driver supported
Defensive Driver supported supported
Student Away at School supported supported
Driver Training supported supported
Green Vehicles supported
Affinity Membership Alum
Advanced Purchase
Pay in Full supported supported
Home Owner
eSign or ePay
New Vehicle
Annual Mileage
Ratings Comparison Erie Amica Mutual Insurance
Financial Strength Question mark icon Superior Superior
JD Power Rankings Question mark icon Excellent Excellent
User Satisfaction Question mark icon 4.5/5 4.5/5
Other Products Erie Amica Mutual Insurance
Boat Insurance supported supported
Condo Insurance supported supported
Life Insurance supported supported
Homeowners Insurance supported supported
Travel Trailer Insurance supported
Renters Insurance supported supported
RV Insurance supported
Motorcycle Insurance supported supported
Mobile Home Insurance supported
Other Features Erie Amica Mutual Insurance
About Erie Insurance provides customers with the flexibility to customize their car insurance by offering over 30 extra policy features, along with the highest levels of customer service. 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 Erie provides 24-hour roadside assistance for an additional fee on your policy that covers reasonable auto towing and required labor cost at the site of your vehicle breakdown. 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 Erie offers an additional discount called "Reduced Usage" that provides a lower rate on your policy if your vehicle is unused for 90 consecutive days during the policy period. 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.
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