USAA vs. Amica

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USAA or Amica Mutual Insurance:
Which Company is Best for You?

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.


USAA vs. Amica: insurance rate comparison


USAA vs. Amica: prices by credit level

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 levelUSAA avg. annual premiumAmica 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

USAA vs. Amica: rates for high-risk drivers

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.

CitationUSAA avg. annual premiumAmica avg. annual premium
At-fault accident (damage < $1,000)$1,304$1,646
At-fault accident (damage > $1,000)$947$1,152
Reckless driving$1,472$2,761
Speeding ticket$1,124$1,390

USAA vs. Amica: rates by age

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 tierUSAA avg. annual premiumAmica avg. annual premium

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 ComparisonUSAAAmica 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
New Vehicle
Annual Mileage
Ratings ComparisonUSAAAmica Mutual Insurance
Financial Strength SuperiorSuperior
JD Power Rankings ExcellentAbove average
User Satisfaction 4.6/54.6/5
Other ProductsUSAAAmica Mutual Insurance
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesUSAAAmica Mutual Insurance
AboutUSAA 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 Assistance24-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 DiscountsUSAA 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 QuestionsAm 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 license
To sum, having her pay out of pocket might be your best option. Let me explain.
See More Questions
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