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 is complex: rates fluctuate based on your driving history, age, and location, and every company's discounts differ. SAFECO and Amica are counted among the most popular car insurance companies, providing competitively priced coverage across large swaths of the US.

In an effort to take the sting out of shopping for car insurance, we gathered average insurance premiums from Amica and SAFECO. These take into account a number of rating factors, chief among which are credit score, driving infractions, and age. Examine these figures and find the right policy for you.


Compare SAFECO vs. Amica auto insurance rates


SAFECO vs. Amica: by credit level

If you have very poor credit, Amica could be the way to go. Typically, Amica offers better premiums than SAFECO for prospective clients with credit scores of 579 or less. Drivers with extraordinary credit — a score of 800 or better — should favor Check out common insurance rates by credit score for Amica and SAFECO below.


RATES BY CREDIT LEVEL: Amica VS. SAFECO
Credit scoreSAFECO 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: rates for bad drivers

If you are dealing with an at-fault accident, ticket, reckless driving violation, or DUI offense in your recent history, Amica could be a better choice than SAFECO. Every car insurance company has different post-violation pricing structures, so it's worth comparing quotes to figure out which insurance company suits you.


RATES BY VIOLATION: Amica VS. SAFECO
ViolationSAFECO 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 a driver's age as an estimator of risk, pricing policies on a sliding scale. Insurance is typically expensive for teen drivers — because of their inexperience — and more affordable for middle-aged drivers. Because every car insurance company prices age brackets uniquely, it's worth shopping around and finding the best rate for you.

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


AGE BRACKET INSURANCE RATE COMPARISON: Amica VS. SAFECO
Age bracketSAFECO 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

Aside from finances, there are myriad pros and cons of both SAFECO and Amica, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

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
3 out of 5
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
AboutAt Safeco Insurance, we promise to make it easy for you, to provide the coverage you need, to connect you with local agents who offer personal advice, and most important of all - to be there for you when you need us most. When you have a claim, we take care of it. It’s that simple. We’re backed by the financial strength of Liberty Mutual Insurance, ranked on the Fortune 100 list of the largest U.S. corporations. Trust Safeco with your auto investment, today!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?

I called to get an insurance quote to see if I could get a lower rate and was told there ...

If my teenager rear ended another car but we aren’t filing a claim, will my insurance rate go up?

My daughter hit a car at a red light. The vehicle is worth less than a $1,000, but we are ...

Should I file a claim if my repair cost is $1,500?

I made a left turn with the flow of traffic and hit a dip; breaking my front suspension on my ...

Can I put my insurance on hold due to temporary disability?

I am going on disability for about 4 months. The disability check is not enough to pay for my car ...

See More Questions
Compare MoreSAFECO vs. 21st Century SAFECO vs. Allied SAFECO vs. Allstate SAFECO vs. American Family SAFECO vs. Auto Club (AAA) SAFECO vs. Erie SAFECO vs. Esurance SAFECO vs. Farmers SAFECO vs. Foremost SAFECO vs. GEICO SAFECO vs. Infinity SAFECO vs. Mercury SAFECO vs. MetLife SAFECO vs. Nationwide SAFECO vs. Progressive SAFECO vs. Safe Auto SAFECO vs. State Farm SAFECO vs. The General SAFECO vs. The Hartford SAFECO vs. Titan SAFECO vs. Travelers SAFECO vs. USAAAmica 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. 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. Progressive Amica Mutual Insurance vs. Safe Auto 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 Amica Mutual Insurance vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
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SAFECO vs Amica Mutual Insurance

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