Safe Auto vs Amica: Which is Better for You?

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Safe Auto or Amica Mutual Insurance: Which company is best for you?

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.


Safe Auto vs. Amica: by credit level

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

Safe Auto vs. Amica: by citation

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

Safe Auto vs. Amica: by age

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 supported supported
Multiple Policies supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported supported
Anti-Lock Brake System supported supported
Air Bags supported supported
Good Driver supported
Defensive Driver supported
Student Away at School supported
Driver Training supported
Green Vehicles supported
Affinity Membership Alum
Advanced Purchase
Pay in Full supported supported
Home Owner supported
eSign or ePay
New Vehicle
Annual Mileage
Ratings Comparison Safe Auto Amica Mutual Insurance
Financial Strength Question mark icon N/A Superior
JD Power Rankings Question mark icon N/A Excellent
User Satisfaction Question mark icon N/A N/A
Other Products Safe Auto Amica Mutual Insurance
Boat Insurance supported
Condo Insurance supported
Life Insurance supported
Homeowners Insurance supported
Travel Trailer Insurance
Renters Insurance supported
RV Insurance
Motorcycle Insurance supported
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.
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