SAFECO vs Amica Mutual Insurance Car Insurance

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

Choosing a car insurance company can be tough: companies' rates vary based on your driving record, age, and location, and insurers offer a variety of perks. Safeco and Amica are two of the most popular insurers, providing competitively priced insurance policies across large portions of America.

In an effort to simplify the process of comparing insurance companies, we gathered average rates from Amica and Safeco. The below cover myriad rating factors, including credit score, driving record, and demographics. Compare rates and find your next car insurance policy today.

Want to learn more? Check out our full reviews of Safeco and Amica.


Compare Safeco vs. Amica auto insurance rates


Safeco vs. Amica: pricing by credit score

If you have very poor credit, Amica could be the best option for you. On average, Amica offers better rates than Safeco for prospective clients with credit scores of less than 580. Insurance shoppers with outstanding credit — a score of 800 or higher — should opt for Check out average insurance rates by credit tier for Amica and Safeco below.


RATES BY CREDIT LEVEL: Amica VS. Safeco
Credit levelSafeco avg. annual premiumAmica avg. annual premium
Very Poor (300-579)$5,308$2,010
Fair (580-669)$2,716$1,389
Good (670-739)$1,967$1,352
Very Good (740-799)$1,871$1,174
Exceptional (800-850)$1,655$1,057

Safeco vs. Amica: high-risk driver rates

If you're dealing with an at-fault collision, speeding ticket, reckless driving citation, or DWI on your driving record, Amica could be a better choice than Safeco. Each insurer has different post-violation pricing structures, so it's worth comparing quotes to find out which insurer is best for you.


RATES BY VIOLATION: Amica VS. Safeco
CitationSafeco avg. annual premiumAmica avg. annual premium
At-fault accident (damage < $1,000)$2,546$1,646
At-fault accident (damage > $1,000)$1,969$1,152
DUI/DWI$2,796$3,356
Reckless driving$2,853$2,761
Speeding ticket$2,512$1,390

Safeco vs. Amica: rates by age

Insurance companies use age to estimate risk, assigning rates accordingly. An auto insurance policy is often priciest for teen drivers — thanks to their inexperience — and relatively affordable for older drivers. Because every insurance company rates ages in a different way, it's worth comparing rates and shopping around.

As a general rule, teen drivers should choose Amica over Safeco: the former's average annual rates are $2,399 less than the latter's..


COMPARING AUTO INSURANCE RATES BY AGE: Amica VS. Safeco
Age tierSafeco avg. annual premiumAmica avg. annual premium
Teens$7,765$5,366
20s$2,566$1,631
30s$2,111$1,631
40s$2,128$1,151
50s$1,745$1,105
60s$1,687$1,066

Affordability aside, Safeco and Amica each have pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Dive into the data before making your decision.

Discount ComparisonSafecoAmica 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 ComparisonSafecoAmica Mutual Insurance
Financial Strength ExcellentSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
User Satisfaction

A+

A+

Other ProductsSafecoAmica Mutual Insurance
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesSafecoAmica Mutual Insurance
AboutWhy customers love us: Whether it’s your car, home, motorcycle, boat, identity, or more, Safeco makes it simple to protect what matters to you. Financial strength you can trust - Safeco Insurance is a proud part of Liberty Mutual Insurance, a Fortune 100 company. Liberty Mutual is rated “A” by A.M. Best Company.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 AssistanceSafeco offers roadside assistance 24/7 as an option to your policy and includes coverage for towing, flat tire, battery service, fuel and fluids, and lockouts.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 DiscountsSafeco is a subsidiary of Liberty Mutual and offers claim service 24/7.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 QuestionsWhat can I do about fixing incorrect information on my driving record?
It really depends on where the accidents are listed. Insurance companies look at 2 different reports to verify your driving history.
If my teenager rear ended another car but we aren't filing a claim, will my insurance rate go up?
The tricky part about this situation is the police report. Since your current insurance company is unlikely to re-run your driving records after you become a customer, avoiding a claim should keep the rate with your current company from increasing.
Should I file a claim if my repair cost is $1,500?
In New Mexico, our State of Insurance report shows that an at fault accident increases rates by an average of $596 additionally per year. Since accidents impact your rate for at least 3 years, you would be paying an extra $1,788 in premium over that time frame.
Can I put my insurance on hold due to temporary disability?
Technically, you can cancel your car insurance at any time. However, canceling your policy will result in the loss of a Prior Insurance discount when you go to purchase another policy in the future.
See More Questions
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SAFECO vs Amica Mutual Insurance

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