Choosing an auto insurance company is sometimes difficult: rates fluctuate based on your driving record, location, and age, and companies offer an array of discounts. USAA and Amica are two of the most popular car insurance companies, selling affordable policies in most states across the US.
In an effort to make insurance shopping seamless, we've collected typical policy prices from Amica and USAA. These take into account myriad pricing factors, including credit history, driving history, and demographics. Take a look at these rates and find an affordable policy today.
Go in-depth: Check out our reviews of USAA and Amica.
If you have very bad credit, Amica could be preferable to USAA. On average, Amica offers cheaper premiums than USAA for drivers with credit scores of less than 580. Insurance shoppers with exceptional credit — a score of 800 or higher — should favor USAA, which typically beats Amica by $217 per year. View typical insurance rates by credit tier for Amica and USAA:
| Credit level | USAA avg. annual premium | Amica avg. annual premium |
| Very Poor (300-579) | $2,682 | $2,010 |
| Fair (580-669) | $1,247 | $1,389 |
| Good (670-739) | $1,057 | $1,352 |
| Very Good (740-799) | $910 | $1,174 |
| Exceptional (800-850) | $840 | $1,057 |
If you are carrying an at-fault crash, speeding ticket, reckless driving violation, or DUI on your driving record, USAA could be a better choice than Amica. Each insurer will handle driving offenses differently, so don't hesitate to shop around to understand which insurer is best for you.
| Citation | USAA avg. annual premium | Amica avg. annual premium |
| At-fault accident (damage < $1,000) | $1,304 | $1,646 |
| At-fault accident (damage > $1,000) | $947 | $1,152 |
| DUI/DWI | $1,952 | $3,356 |
| Reckless driving | $1,472 | $2,761 |
| Speeding ticket | $1,124 | $1,390 |
Auto insurance companies rely on a driver's age to estimate risk, pricing premiums accordingly. Car insurance is commonly most expensive for young drivers — due to their inexperience — and relatively affordable for drivers aged 25 or older. Since every insurance company rates ages uniquely, it's worth doing some comparison shopping.
As a general rule, teen drivers should choose USAA over Amica: USAA offers average yearly savings of $2,502 versusAmica.
| Age tier | USAA avg. annual premium | Amica avg. annual premium |
| Teens | $2,864 | $5,366 |
| 20s | $1,261 | $1,631 |
| 30s | $963 | $1,631 |
| 40s | $957 | $1,151 |
| 50s | $889 | $1,105 |
| 60s | $845 | $1,066 |
Aside from affordability, USAA and Amica each have pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.
| Discount Comparison | USAA | Amica Mutual Insurance |
|---|---|---|
| Good Student | ||
| Multiple Policies | ||
| Multiple Vehicles | ||
| Anti-Theft Device(s) | ||
| Anti-Lock Brake System | ||
| Air Bags | ||
| Good Driver | ||
| Defensive Driver | ||
| Student Away at School | ||
| Driver Training | ||
| Green Vehicles | ||
| Affinity Membership Alum | ||
| Advanced Purchase | ||
| Pay in Full | ||
| Home Owner | ||
| eSign or ePay | ||
| Telematics | ||
| New Vehicle | ||
| Annual Mileage | ||
| Military |
| Ratings Comparison | USAA | Amica Mutual Insurance |
|---|---|---|
| Financial Strength | Superior | Superior |
| JD Power Rankings | ||
| User Satisfaction | A++ | A+ |
| Other Products | USAA | Amica Mutual Insurance |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | USAA | Amica Mutual Insurance |
|---|---|---|
| About | USAA is known for their award-winning service, distinguished products and making their customers' needs a priority. | 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 | 24-hour roadside assistance is included in all of USAA's Extended Vehicle Protection programs. Pricing varies depending on which plan you select. Roadside assistance will pay up to $100 per occurrence of the following: towing service, flat tire change, emergency gas delivery, battery jump, and locksmith services. Substitute Transportation is available up to $250 per occurrence. Travel/Lodging Reimbursement is available up to $300 per occurrence. | 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 | USAA offers discounts for vehicles with daytime running lights and vehicles in storage, as well as a legacy discount for drivers under 25 years old whose parents have had USAA auto insurance. | 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 | Am I covered for an accident if my policy had lapsed while without an Uber passenger? Unfortunately, if there was no coverage in place, no company will honor the claim. Uber coverage is in place while the app is active, though this only covers liability. Our son-in-law is a USAA member (Navy). Can we join also?Parents are not eligible for USAA. I believe USAA eligibility flows "downstream" — so descendants, i.e. Can my brother use his insurance for damage he caused to my vehicle?Unfortunately, car insurance follows the vehicle, not the driver. In this case, he cannot use his own insurance to cover the damage he caused to your vehicle. Agree to be paid out of pocket with driver with no licenseTo sum, having her pay out of pocket might be your best option. Let me explain. 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 |
| Compare More | USAA vs. 21st Century USAA vs. Allied USAA vs. Allstate USAA vs. American Family USAA vs. Auto Club (AAA) USAA vs. Erie USAA vs. Esurance USAA vs. Farmers USAA vs. Foremost USAA vs. GEICO USAA vs. Infinity USAA vs. Liberty Mutual USAA vs. Mercury USAA vs. MetLife USAA vs. Nationwide USAA vs. Progressive USAA vs. Root Insurance USAA vs. Safe Auto USAA vs. Safeco USAA vs. State Farm USAA vs. The General USAA vs. The Hartford USAA vs. Titan USAA vs. Travelers | Amica Mutual Insurance vs. 21st Century Amica Mutual Insurance vs. Allied Amica Mutual Insurance vs. Allstate Amica Mutual Insurance vs. American Family Amica Mutual Insurance vs. Auto Club (AAA) Amica Mutual Insurance vs. Erie Amica Mutual Insurance vs. Esurance Amica Mutual Insurance vs. Farm Bureau Mutual Amica Mutual Insurance vs. Farmers Amica Mutual Insurance vs. Foremost Amica Mutual Insurance vs. GEICO Amica Mutual Insurance vs. Infinity Amica Mutual Insurance vs. Liberty Mutual Amica Mutual Insurance vs. Mercury Amica Mutual Insurance vs. MetLife Amica Mutual Insurance vs. Nationwide Amica Mutual Insurance vs. North Star Mutual Amica Mutual Insurance vs. Progressive Amica Mutual Insurance vs. Safe Auto Amica Mutual Insurance vs. Safeco Amica Mutual Insurance vs. State Farm Amica Mutual Insurance vs. The General Amica Mutual Insurance vs. The Hartford Amica Mutual Insurance vs. Titan Amica Mutual Insurance vs. Travelers |
| Top States | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas |