Farmers vs. Amica

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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.


Compare Farmers vs. Amica auto insurance rates


Farmers vs. Amica: pricing by credit score

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 levelFarmers avg. annual premiumAmica 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: rates for drivers with bad records

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.

ViolationFarmers avg. annual premiumAmica avg. annual premium
At-fault accident (damage < $1,000)$2,334$1,646
At-fault accident (damage > $1,000)$1,699$1,152
Reckless driving$4,636$2,761
Speeding ticket$2,045$1,390

Farmers vs. Amica: rates 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..

AgeFarmers avg. annual premiumAmica avg. annual premium

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 ComparisonFarmersAmica 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
New Vehicle
Annual Mileage
Ratings ComparisonFarmersAmica Mutual Insurance
Financial Strength ExcellentSuperior
JD Power Rankings Below averageAbove average
User Satisfaction 4.3/54.3/5
Other ProductsFarmersAmica Mutual Insurance
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesFarmersAmica Mutual Insurance
AboutFarmers 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 AssistanceFarmer'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 DiscountsFarmers 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 QuestionsShould 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&nbsp;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 turnpike
Although 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
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