Farmers vs Amica: Which is Better for You?

Compare rates from the top car insurance companies in your area.

Location pin icon
No junk mail. No spam calls. Free quotes.

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

Selecting a car insurance company can be hard: every company's rates differ by driving record, age, and location, and insurers offer a variety of perks. Farmers and Amica are two of the top insurance companies, providing affordable policies in most states.

In an effort to make shopping for car insurance easier, we gathered average insurance premiums from Amica and Farmers. These take into consideration a variety of pricing components, including credit, driving record, and age. Examine these figures and find your next car insurance policy today.

Looking for in-depth analysis? Read our comprehensive reviews of Farmers and Amica.


Farmers vs. Amica: by credit level

If you have very poor credit, Amica could be the way to go. Typically, Amica offers lower rates than Farmers for drivers with credit scores of 579 or less. Insurance shoppers with exceptional credit — a score of 800 or higher — should lean toward View average insurance costs by credit tier for Amica and Farmers below.

Credit level Farmers avg. annual premium Amica avg. annual premium
Very Poor (300-579) $2,633 $2,010
Fair (580-669) $1,736 $1,389
Good (670-739) $1,882 $1,352
Very Good (740-799) $1,459 $1,174
Exceptional (800-850) $1,354 $1,057

Farmers vs. Amica: by citation

If you're carrying an at-fault collision, ticket, reckless driving citation, or DUI in your rear view mirror, Amica could be a better choice than Farmers. Each car insurance company will handle driving offenses differently, so always do your due diligence and compare quotes to understand which insurer suits you.

Violation Farmers avg. annual premium Amica avg. annual premium
At-fault accident (damage < $1,000) $2,334 $1,646
At-fault accident (damage > $1,000) $1,699 $1,152
DUI/DWI $3,239 $3,356
Reckless driving $4,636 $2,761
Speeding ticket $2,045 $1,390

Farmers vs. Amica: by age

Insurance companies use a driver's age to indicate risk, assigning rates accordingly. An insurance policy is usually priciest for teen drivers — due to their inexperience — and most affordable for drivers aged 25 or older. Because each insurance company prices age brackets in a different way, it's worth doing some comparison shopping.

As a general rule, teen drivers should choose Amica over Farmers: the former's average annual rates are $1,152 less than the latter's..

Age Farmers avg. annual premium Amica avg. annual premium
Teens $6,518 $5,366
20s $2,020 $1,631
30s $1,543 $1,631
40s $1,511 $1,151
50s $1,507 $1,105
60s $1,402 $1,066

Aside from affordability, Farmers and Amica each carry 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 Farmers Amica Mutual Insurance
Good Student supported 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
Student Away at School supported supported
Driver Training supported
Green Vehicles supported supported
Affinity Membership Alum
Advanced Purchase
Pay in Full supported
Home Owner supported
eSign or ePay
New Vehicle
Annual Mileage
Ratings Comparison Farmers Amica Mutual Insurance
Financial Strength Question mark icon Excellent Superior
JD Power Rankings Question mark icon Excellent Excellent
User Satisfaction Question mark icon 4.3/5 4.3/5
Other Products Farmers 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 Farmers Amica Mutual Insurance
About Farmers Insurance Hawaii knows how important it is for you to protect your vehicle and save money. That’s why they offer discounts and benefits you may want, along with unparalleled customer and claim 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 Farmer's Roadside Assistance provides assistance for reasonable and necessary services up to $150, including towing, roadside winching, locksmith services, flat tire changes, and jump starts. 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 Farmers offers an additional discount for seniors. 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.
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