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.
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|
|Very Good (740-799)||$1,459||$1,174|
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|
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|
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|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Farmers||Amica Mutual Insurance|
|JD Power Rankings|
|Other Products||Farmers||Amica Mutual Insurance|
|Travel Trailer 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||Are some insurance providers better suited to my needs than others to get the best rate?|
Because most coverage options can be matched across insurance companies, I think what you are really looking for is the best customer service/claims support for the best cost. Right off the bat, I know Geico probably wouldn't be an option for you with a leased vehicle.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.Will insurance cover someone other than the insured?
While it can vary by company, insurance will follow the car rather than the driver. So, in the event you get into an accident in your dad's vehicle, his insurance would be primary and yours would be secondary.See More Questions
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|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|