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Deciding on an auto insurance company can be complicated: companies' rates differ by driving record, age, and location, and every company's discounts differ. Safe Auto and Amica are counted among the nation's most popular insurance companies, providing competitively priced coverage across most of America.
To help make insurance shopping seamless, we gathered average policy rates from Amica and Safe Auto. The below cover a number of rating factors, including credit rating, driving history, and demographics. Examine these figures and find the right policy for you.
If you have very poor credit, Amica could be preferable to Safe Auto. On average, Amica offers lower rates than Safe Auto for drivers with credit scores of lower than 580. Insurance shoppers with exceptional credit — a score of 800-plus — should favor Check out typical insurance rates by credit tier for Amica and Safe Auto below.
|Credit level||Safe Auto avg. annual premium||Amica avg. annual premium|
|Very Poor (300-579)||$3,799||$2,010|
|Very Good (740-799)||$1,937||$1,174|
If you're dealing with an at-fault accident, speeding ticket, reckless driving citation, or DUI on your driving record, Amica could be a better choice than Safe Auto. Every insurance company has different post-violation pricing structures, so it's worth comparing quotes to find out which insurer suits you.
|Citation||Safe Auto avg. annual premium||Amica avg. annual premium|
|At-fault accident (damage < $1,000)||$2,867||$1,646|
|At-fault accident (damage > $1,000)||$2,837||$1,152|
Insurance companies rely on a driver's age as an indicator of potential risk, pricing premiums accordingly. Auto insurance is often most expensive for teen drivers — due to their increased odds of being involved in an accident — and more affordable for middle-aged drivers. Since every insurance company prices ages uniquely, it's worth comparing rates and shopping around.
As a general rule, teen drivers should choose Amica over Safe Auto: the former's average annual rates are $2,896 less than the latter's..
|Age||Safe Auto avg. annual premium||Amica avg. annual premium|
Aside from affordability, Safe Auto and Amica each come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to weigh these elements before deciding.
|Discount Comparison||SafeAuto||Amica Mutual Insurance|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||SafeAuto||Amica Mutual Insurance|
|JD Power Rankings||3 out of 5||4 out of 5|
|Other Products||SafeAuto||Amica Mutual Insurance|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||SafeAuto||Amica Mutual Insurance|
|About||At SafeAuto, we strive to provide affordable insurance to every driver, no matter the situation.||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||Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable.||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||Safe Auto specializes in providing minimum, state required coverage and full coverage to drivers who have had some trouble getting affordable rates due to tickets, accidents, and license issues.||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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|States Offered||Arizona Georgia Illinois Indiana Louisiana Missouri Ohio Pennsylvania Texas Virginia||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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