Selecting an auto insurance company is difficult: rates fluctuate by driving record, location, and age, and companies offer an array of discounts. Safe Auto and Amica are two of America's top insurance companies, providing high-quality coverage across most of America.
In an effort to make insurance shopping seamless, we collected average costs from Amica and Safe Auto. The below rates cover a variety of pricing components, including credit quality, driving behavior, and demographics. Compare rates and find your next car insurance policy today.
Want to find out more? Consult our comprehensive reviews of Safe Auto and Amica.
If you have very poor credit, Amica could be the way to go. Typically, Amica offers more affordable prices than Safe Auto for prospective clients with credit scores of less than 580. Drivers with exceptional credit — a score of 800-plus — should lean toward Check out average insurance rates by credit tier for Amica and Safe Auto:
| Credit level | Safe Auto avg. annual premium | Amica avg. annual premium |
| Very Poor (300-579) | $3,799 | $2,010 |
| Fair (580-669) | $2,483 | $1,389 |
| Good (670-739) | $3,358 | $1,352 |
| Very Good (740-799) | $1,937 | $1,174 |
| Exceptional (800-850) | $1,921 | $1,057 |
If you have an at-fault accident, ticket, reckless driving citation, or DUI in your recent history, Amica could be a better choice than Safe Auto. Every insurer enacts rate penalties differently, so always do your due diligence and compare quotes to understand which insurer is best for you.
| Infraction | Safe Auto avg. annual premium | Amica avg. annual premium |
| At-fault accident (damage < $1,000) | $2,867 | $1,646 |
| At-fault accident (damage > $1,000) | $2,837 | $1,152 |
| DUI/DWI | $2,867 | $3,356 |
| Reckless driving | $2,867 | $2,761 |
| Speeding ticket | $2,738 | $1,390 |
Insurance companies rely on a driver's age to outline potential risk, pricing policies accordingly. Auto insurance is often priciest for teens — due to their inexperience — and most affordable for middle-aged drivers. Because every car insurance company rates ages in a different way, it's wise to compare rates and find a suitable policy.
As a general rule, teen drivers should choose Amica over Safe Auto: the former's average annual rates are $2,896 less than the latter's..
| Age bracket | Safe Auto avg. annual premium | Amica avg. annual premium |
| Teens | $8,262 | $5,366 |
| 20s | $2,764 | $1,631 |
| 30s | $2,183 | $1,631 |
| 40s | $2,053 | $1,151 |
| 50s | $1,862 | $1,105 |
| 60s | $1,707 | $1,066 |
Cost aside, Safe Auto and Amica both have pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.
| Discount Comparison | Safe Auto | 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 | Safe Auto | Amica Mutual Insurance |
|---|---|---|
| Financial Strength | N/A | Superior |
| JD Power Rankings | N/A | Above average |
| User Satisfaction | N/A | N/A |
| Other Products | Safe Auto | 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 | Safe Auto | Amica Mutual Insurance |
|---|---|---|
| About | Safe Auto strives to provide affordable insurance to every driver, no matter the situation. | 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 | Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable. | 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 | Safe Auto specializes in providing minimum, state required coverage and full coverage to drivers who have had some trouble getting affordable rates due to tickets, accidents, and license issues. | 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 I get full coverage from a less well-known insurer? Whether or not the company is a "mainstream" provider doesn't mean that you would have a bad claims experience. There are several companies out there that have been around for several years and just don't advertise like other companies. Do I pay a deductible for a liability claim?You are not responsible for a deductible unless you have comprehensive and collision coverage. Since you only have liability, the damages to your car will not be covered which means there is no deductible. 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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