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 | Excellent | Excellent |
| User Satisfaction | 4.5/5 | 4.5/5 |
| Other Products | Erie | Amica Mutual Insurance |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| 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. |
| Recent Questions |
Will Erie reinstate my policy after non-payment?
It's very likely they will reinstate your policy if you pay the amount past due and any potential fees associated with the cancellation. Because each company has their own administrative rules regarding reinstatement, it's very likely for you to be able to get your policy active again.
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