Erie vs. Amica Mutual Insurance insurance

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Erie vs. Amica insurance

Erie
$81/mo

Average price per month

5.0 Rating from The Zebra

Amica
$125/mo

Average price per month

4.0 Rating from The Zebra

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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.

 

Compare Erie vs. Amica auto insurance rates

 

Erie vs. Amica: pricing by credit score

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.

 
RATES BY CREDIT LEVEL: AMICA VS. ERIE
Credit levelErie avg. annual premiumAmica 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: rates for high-risk drivers

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.

 
HIGH-RISK INSURANCE RATE COMPARISON: Amica VS. Erie
ViolationErie avg. annual premiumAmica 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: rates by age bracket

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 INSURANCE RATE COMPARISON: Amica VS. Erie
Age bracketErie avg. annual premiumAmica 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 ComparisonErieAmica 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 ComparisonErieAmica Mutual Insurance
Financial Strength SuperiorSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon
5 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
User Satisfaction

A+

A+

Other ProductsErieAmica Mutual Insurance
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Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesErieAmica Mutual Insurance
AboutErie 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 AssistanceErie 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 DiscountsErie 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 QuestionsWill 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.
I was injured in a car accident two months ago, can I still file a claim?
The statute of limitations for filing a bodily injury claim in North Carolina is 3 years. So you are still within your legal time frame to file a claim even though your car's claim was completed.
How long can an insurance company wait to pay out your claim?
Virginia law does not specify an actual time frame for a claim payout but simply requires that insurance companies pay claims in a reasonable time. Most insurance companies want to close claims as quickly as possible, however, so you may want to contact that company directly to ask if they have an estimated date of the payout.
If the person who damaged my vehicle is paying for the repair out of pocket, will the claim show up anywhere on my record?
Unless you notified an insurance company to file a claim or a police officer wrote an incident report of the damage, the repair will not be documented on your driving record or claims history. Insurance companies verify your driving history by looking at your Motor Vehicle Report (MVR) and CLUE report.
See More Questions
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