Farmers vs Amica: Which is Better 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.

INSURER RATES BY CREDIT SCORE: AMICA VS. FARMERS

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.

INSURER RATES BY VIOLATION: AMICA VS. FARMERS

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..

INSURER RATES BY AGE: AMICA VS. FARMERS

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.