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.
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.
|Credit score||SAFECO avg. annual premium||Amica avg. annual premium|
|Very Poor (300-579)||$5,308||$2,010|
|Very Good (740-799)||$1,871||$1,174|
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.
|Violation||SAFECO avg. annual premium||Amica avg. annual premium|
|At-fault accident (damage < $1,000)||$2,546||$1,646|
|At-fault accident (damage > $1,000)||$1,969||$1,152|
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||SAFECO avg. annual premium||Amica avg. annual premium|
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 Comparison||SAFECO||Amica Mutual Insurance|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||SAFECO||Amica Mutual Insurance|
|JD Power Rankings||3 out of 5||4 out of 5|
|Other Products||SAFECO||Amica Mutual Insurance|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||SAFECO||Amica Mutual Insurance|
|About||At 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 Assistance||Safeco 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 Discounts||Safeco 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 Questions||What can I do about fixing incorrect information on my driving record?|
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|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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