Safeco vs Amica: Which is Better 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.

INSURER RATES BY CREDIT SCORE: AMICA VS. SAFECO

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.

INSURER RATES BY VIOLATION: AMICA VS. SAFECO

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..

INSURER RATES BY AGE: AMICA VS. SAFECO

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.