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.
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 |
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 |
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 | ||
| 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 | Farmers | Amica Mutual Insurance |
|---|---|---|
| Financial Strength | Excellent | Superior |
| JD Power Rankings | Below average | Above average |
| User Satisfaction | 4.3/5 | 4.3/5 |
| Other Products | Farmers | 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 | Farmers | Amica Mutual Insurance |
|---|---|---|
| About | Farmers Auto Insurance knows that protecting your vehicle is more than just a basic obligation, which is why they provide all the value and flexibility you need, 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. |
| Recent Questions | Should senior citizens carry collision insurance? Thanks for the question! Comprehensive and collision are not state-mandated coverages. Though if she is financing the vehicle she would need to carry these coverages for her loan in most cases. Will PIP pay for my medical bills?Yes, personal injury protection (PIP) should cover any injuries resulting from an accident regardless of whether or not it was a single-vehicle accident. I would file a claim as soon as possible. Does Farmers allow exclusions?While I do not work for Farmers, it has been my experience that they do allow exclusions. Usually, you will need to call your agent or a customer service representation at their call sent and request an exclusion form. Will my farmers insurance cover my towing off the the NJ turnpikeAlthough I am not a Farmers insurance agent, my understanding of Farmer's Roadside Assistance program is you can either call their roadside service while your vehicle is inoperable and they will tow you up to $150 or you can be reimbursed for your troubles. However, this is all dependent on having towing and roadside on your policy. See More Questions | Should I drop my 25yo son from insurance? To answer your first question, will removing your son from the policy help decrease your premium, it depends. Some companies are going to charge you because the claim was made on your policy so your rates can still be impacted at renewal, even if you take your son off the policy. Should I get my insurance company involved or pay for the damage myself if I backed into a tree?It will ultimately depend on your deductible and the extent of the damage. Unfortunately, backing into a tree will be considered an "at-fault" accident if you file a claim with your insurance company. See More Questions |
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| 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 |