State Farm vs Amica: Which is Better for You?
Compare rates from the top car insurance companies in your area.
State Farm or Amica Mutual Insurance: Which company is best for you?
Choosing an auto insurance company can be tough: rates vary based on your driving record, location, and age, and companies offer an array of discounts. State Farm and Amica are two of the US' top insurance companies, selling high-quality policies across large swaths of the US.
To make insurance shopping seamless, we've gathered average premiums from Amica and State Farm. These take into consideration a variety of rating factors, including credit quality, driving history, and age. Check out the below rates and find your next car insurance policy today.
Looking for additional insights? Consult our comprehensive reviews of State Farm and Amica.
State Farm vs. Amica: by credit level
If you have very poor credit, Amica could be a better option for you. Typically, Amica offers more affordable rates than State Farm for drivers with credit scores of 579 or less. Drivers with excellent credit — a score of 800-plus — should consider View typical insurance rates by credit tier for Amica and State Farm below.
INSURER RATES BY CREDIT SCORE: AMICA VS. STATE FARM
| Credit score | State Farm avg. annual premium | Amica avg. annual premium |
| Very Poor (300-579) | $3,522 | $2,010 |
| Fair (580-669) | $2,003 | $1,389 |
| Good (670-739) | $1,613 | $1,352 |
| Very Good (740-799) | $1,451 | $1,174 |
| Exceptional (800-850) | $1,260 | $1,057 |
State Farm vs. Amica: by citation
If you have an at-fault crash, ticket, reckless driving violation, or DUI on your driving record, Amica could be a better choice than State Farm. Every insurer prices policies differently after a violation, so don't be afraid to shop around to understand which insurance company suits you.
INSURER RATES BY VIOLATION: AMICA VS. STATE FARM
| Infraction | State Farm avg. annual premium | Amica avg. annual premium |
| At-fault accident (damage < $1,000) | $2,849 | $1,646 |
| At-fault accident (damage > $1,000) | $1,524 | $1,152 |
| DUI/DWI | $3,854 | $3,356 |
| Reckless driving | $2,895 | $2,761 |
| Speeding ticket | $1,983 | $1,390 |
State Farm vs. Amica: by age
Insurance companies rely on age as an indicator of potential risk, assigning rates accordingly. Car insurance is commonly more expensive for teen drivers — due to their inexperience — and more affordable for older drivers. Since every insurance company evaluates ages uniquely, it's wise to compare rates and find a suitable policy.
As a general rule, teen drivers should choose Amica before State Farm: the former's average annual rates are $454 less than the latter's..
INSURER RATES BY AGE: AMICA VS. STATE FARM
| Age tier | State Farm avg. annual premium | Amica avg. annual premium |
| Teens | $5,820 | $5,366 |
| 20s | $2,379 | $1,631 |
| 30s | $1,585 | $1,631 |
| 40s | $1,587 | $1,151 |
| 50s | $1,558 | $1,105 |
| 60s | $1,485 | $1,066 |
Aside from affordability, State Farm and Amica each carry pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
| Discount Comparison | State Farm | Amica Mutual Insurance |
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| Good Student |
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| Multiple Policies |
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| Multiple Vehicles |
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| Anti-Theft Device(s) |
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| Air Bags |
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| Good Driver |
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| Defensive Driver |
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| Student Away at School |
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| Driver Training |
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| Green Vehicles |
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| Affinity Membership Alum | ||
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| Pay in Full |
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| eSign or ePay | ||
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| New Vehicle | ||
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| Military |
| Ratings Comparison | State Farm | Amica Mutual Insurance |
|---|---|---|
| Financial Strength | Excellent | Superior |
| JD Power Rankings | Above average | Excellent |
| User Satisfaction | 4.5/5 | 4.5/5 |
| Other Products | State Farm | Amica Mutual Insurance |
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| Travel Trailer Insurance |
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| Motorcycle Insurance |
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| Mobile Home Insurance |
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| Other Features | State Farm | Amica Mutual Insurance |
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| About | Get the protection you need at a price you can afford with State Farm; offering packaged options, discounts and custom coverage to meet any driver's needs. | 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 | State Farm's Emergency Road Service offers mechanical labor at the place of breakdown, the towing of your vehicle to a repair facility, removal of a stuck vehicle, delivery of gas or oil, assistance with changing a tire or a jumpstart, and locksmith services. | 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 | State Farm offers an additional discount for vehicles made in 1994 or later, depending on the loss experience of the vehicle make and model. | 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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