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.
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|
|Very Good (740-799)||$1,871||$1,174|
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|
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|
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|
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|Ratings Comparison||Safeco||Amica Mutual Insurance|
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|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.|
|Recent Questions||Should I stay with my car insurance company even if I'm getting a better quote from elsewhere?|
It's possible that your agent is simply trying to keep your business. However, he may actually be correct.See More Questions
|Should I drop my 25yo son from insurance?|
To answer your first question, will removing your son from the policy help decrease your premium, it depends. Some companies are going to charge you because the claim was made on your policy so your rates can still be impacted at renewal, even if you take your son off the policy.Should I get my insurance company involved or pay for the damage myself if I backed into a tree?
It will ultimately depend on your deductible and the extent of the damage. Unfortunately, backing into a tree will be considered an "at-fault" accident if you file a claim with your insurance company.See More Questions
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