USAA vs Amica: Which is Better for You?
Compare rates from the top car insurance companies in your area.
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: 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:
INSURER RATES BY CREDIT SCORE: AMICA VS. 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 |
USAA vs. Amica: by citation
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.
INSURER RATE BY VIOLATION: AMICA VS. USAA
| 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 |
USAA vs. Amica: 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.
INSURER RATES BY AGE: AMICA VS. USAA
| 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 |
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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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| Anti-Lock Brake System |
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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 | ||
| Advanced Purchase | ||
| Pay in Full |
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| Home Owner | ||
| eSign or ePay | ||
| Telematics |
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| New Vehicle |
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| Annual Mileage |
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| Military |
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| Ratings Comparison | USAA | Amica Mutual Insurance |
|---|---|---|
| Financial Strength | Superior | Superior |
| JD Power Rankings | Excellent | Excellent |
| User Satisfaction | 4.6/5 | 4.6/5 |
| Other Products | USAA | Amica Mutual Insurance |
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| Condo Insurance |
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| Homeowners Insurance |
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| Travel Trailer Insurance |
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| Renters Insurance |
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| RV Insurance |
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| Motorcycle Insurance |
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| Mobile Home Insurance |
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| 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. |
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