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.
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 |
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 |
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 | ||
| 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 | Erie | Amica Mutual Insurance |
|---|---|---|
| Financial Strength | Superior | Superior |
| JD Power Rankings | ||
| User Satisfaction | A+ | A+ |
| Other Products | Erie | Amica Mutual Insurance |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
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| Travel Trailer Insurance | ||
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| Mobile Home Insurance |