Safeco vs Amica: Which is Better for You?

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

Choosing a car insurance company can be tough: companies' rates vary based on your driving record, age, and location, and insurers offer a variety of perks. Safeco and Amica are two of the most popular insurers, providing competitively priced insurance policies across large portions of America.

In an effort to simplify the process of comparing insurance companies, we gathered average rates from Amica and Safeco. The below cover myriad rating factors, including credit score, driving record, and demographics. Compare rates and find your next car insurance policy today.

Want to learn more? Check out our full reviews of Safeco and Amica.


Safeco vs. Amica: by credit level

If you have very poor credit, Amica could be the best option for you. On average, Amica offers better rates than Safeco for prospective clients with credit scores of less than 580. Insurance shoppers with outstanding credit — a score of 800 or higher — should opt for Check out average insurance rates by credit tier for Amica and Safeco below.

Credit level Safeco avg. annual premium Amica avg. annual premium
Very Poor (300-579) $5,308 $2,010
Fair (580-669) $2,716 $1,389
Good (670-739) $1,967 $1,352
Very Good (740-799) $1,871 $1,174
Exceptional (800-850) $1,655 $1,057

Safeco vs. Amica: by citation

If you're dealing with an at-fault collision, speeding ticket, reckless driving citation, or DWI on your driving record, Amica could be a better choice than Safeco. Each insurer has different post-violation pricing structures, so it's worth comparing quotes to find out which insurer is best for you.

Citation Safeco avg. annual premium Amica avg. annual premium
At-fault accident (damage < $1,000) $2,546 $1,646
At-fault accident (damage > $1,000) $1,969 $1,152
DUI/DWI $2,796 $3,356
Reckless driving $2,853 $2,761
Speeding ticket $2,512 $1,390

Safeco vs. Amica: by age

Insurance companies use age to estimate risk, assigning rates accordingly. An auto insurance policy is often priciest for teen drivers — thanks to their inexperience — and relatively affordable for older drivers. Because every insurance company rates ages in a different way, it's worth comparing rates and shopping around.

As a general rule, teen drivers should choose Amica over Safeco: the former's average annual rates are $2,399 less than the latter's..

Age tier Safeco avg. annual premium Amica avg. annual premium
Teens $7,765 $5,366
20s $2,566 $1,631
30s $2,111 $1,631
40s $2,128 $1,151
50s $1,745 $1,105
60s $1,687 $1,066

Affordability aside, Safeco and Amica each have pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Dive into the data before making your decision.

Discount Comparison Safeco Amica Mutual Insurance
Good Student supported supported
Multiple Policies supported supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported supported
Anti-Lock Brake System supported
Air Bags supported
Good Driver supported
Defensive Driver supported supported
Student Away at School supported supported
Driver Training supported supported
Green Vehicles supported
Affinity Membership Alum supported
Advanced Purchase
Pay in Full supported supported
Home Owner supported
eSign or ePay
Telematics supported
New Vehicle
Annual Mileage supported
Ratings Comparison Safeco Amica Mutual Insurance
Financial Strength Question mark icon Excellent Superior
JD Power Rankings Question mark icon Average Excellent
User Satisfaction Question mark icon N/A N/A
Other Products Safeco Amica Mutual Insurance
Boat Insurance supported supported
Condo Insurance supported supported
Life Insurance supported
Homeowners Insurance supported supported
Travel Trailer Insurance supported
Renters Insurance supported supported
RV Insurance supported
Motorcycle Insurance supported supported
Mobile Home Insurance
Other Features Safeco Amica Mutual Insurance
About Why customers love Safeco: Whether it’s your car, home, motorcycle, boat, identity, or more, Safeco makes it simple to protect what matters to you. Financial strength you can trust: Safeco Insurance is proud to be part of Liberty Mutual Insurance, a Fortune 100 company, rated “A” by A.M. Best Company. Liberty Mutual is rated “A” by A.M. Best Company. 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 Safeco offers roadside assistance 24/7 as a policy option, including coverage for towing, flat tire, battery service, fuel and fluids, and lockouts. 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 Safeco offers additional discounts such as Advance Quote Discount, New Teen and Preferred Payment. And as a subsidiary of Liberty Mutual, Safeco offers 24/7 claims service. 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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