Safe Auto vs Amica: Which is Better 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:

INSURER RATES BY CREDIT SCORE: AMICA VS. 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.

INSURER RATES BY VIOLATION: AMICA VS. SAFE AUTO

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..

INSURER RATES BY AGE: AMICA VS. SAFE AUTO

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.