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.
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.
|Credit score||State Farm avg. annual premium||Amica avg. annual premium|
|Very Poor (300-579)||$3,522||$2,010|
|Very Good (740-799)||$1,451||$1,174|
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.
|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|
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..
|Age tier||State Farm avg. annual premium||Amica avg. annual premium|
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|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||State Farm||Amica Mutual Insurance|
|JD Power Rankings||Above average||Excellent|
|Other Products||State Farm||Amica Mutual Insurance|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||State Farm||Amica Mutual Insurance|
|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.|
Should I file a claim through State Farm?
These kinds of situations are going to depend greatly on your current finances and insurance premiums. If you've previously had a clean record, an accident will typically increase your rates by about 20 to 30%.My car was towed by an apartment complex, will State Farm reimburse me for the towing cost?
Roadside assistance covers towing but it won't cover your car being towed by someone else. Your insurance company will not cover the cost of your car being towed from parking in the wrong location.What could be the reason State Farm increased my premium?
Since it is policy-specific, State Farm will be the only one who can answer why the rate increased by 39%. I am not aware of any insurance law in California that would cause an increase of 39%.I started a claim but canceled it with no payout. Why is it on my CLUE report?
Unfortunately, if you start the claims process, the insurance company can list it on your CLUE report through LexisNexis which contains your claims history — even if there was no payout or resolution. You can dispute with State Farm to see if they will remove it, but at this point, that is really the only option which is definitely frustrating.See More Questions
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