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 | Excellent |
| User Satisfaction | N/A | N/A |
| Other Products | Safe Auto | Amica Mutual Insurance |
|---|---|---|
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| Condo Insurance | ||
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| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
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| Mobile Home Insurance |