State Farm vs Amica Mutual Insurance Car Insurance

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

Choosing an auto insurance company can be tough: rates vary based on your driving record, location, and age, and companies offer an array of discounts. State Farm and Amica are two of the US' top insurance companies, selling high-quality policies across large swaths of the US.

To make insurance shopping seamless, we've gathered average premiums from Amica and State Farm. These take into consideration a variety of rating factors, including credit quality, driving history, and age. Check out the below rates and find your next car insurance policy today.

Looking for additional insights? Consult our comprehensive reviews of State Farm and Amica.


Comparing car insurance rates: State Farm vs. Amica


State Farm vs. Amica: by credit level

If you have very poor credit, Amica could be a better option for you. Typically, Amica offers more affordable rates than State Farm for drivers with credit scores of 579 or less. Drivers with excellent credit — a score of 800-plus — should consider View typical insurance rates by credit tier for Amica and State Farm below.


CREDIT SCORE INSURANCE RATE COMPARISON: Amica VS. State Farm
Credit scoreState Farm avg. annual premiumAmica avg. annual premium
Very Poor (300-579)$3,522$2,010
Fair (580-669)$2,003$1,389
Good (670-739)$1,613$1,352
Very Good (740-799)$1,451$1,174
Exceptional (800-850)$1,260$1,057

State Farm vs. Amica: costs for high-risk drivers

If you have an at-fault crash, ticket, reckless driving violation, or DUI on your driving record, Amica could be a better choice than State Farm. Every insurer prices policies differently after a violation, so don't be afraid to shop around to understand which insurance company suits you.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: Amica VS. State Farm
InfractionState Farm avg. annual premiumAmica avg. annual premium
At-fault accident (damage < $1,000)$2,849$1,646
At-fault accident (damage > $1,000)$1,524$1,152
DUI/DWI$3,854$3,356
Reckless driving$2,895$2,761
Speeding ticket$1,983$1,390

State Farm vs. Amica: rates by age

Insurance companies rely on age as an indicator of potential risk, assigning rates accordingly. Car insurance is commonly more expensive for teen drivers — due to their inexperience — and more affordable for older drivers. Since every insurance company evaluates ages uniquely, it's wise to compare rates and find a suitable policy.

As a general rule, teen drivers should choose Amica before State Farm: the former's average annual rates are $454 less than the latter's..


COMPARING AUTO INSURANCE RATES BY AGE: Amica VS. State Farm
Age tierState Farm avg. annual premiumAmica avg. annual premium
Teens$5,820$5,366
20s$2,379$1,631
30s$1,585$1,631
40s$1,587$1,151
50s$1,558$1,105
60s$1,485$1,066

Aside from affordability, State Farm and Amica each carry pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount ComparisonState FarmAmica 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 ComparisonState FarmAmica Mutual Insurance
Financial Strength SuperiorSuperior
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 ProductsState FarmAmica Mutual Insurance
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Other FeaturesState FarmAmica Mutual Insurance
AboutGet the protection you need at a price you can afford with State Farm; offering packaged options, discounts and custom coverage to meet any driver's needs.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 AssistanceState Farm's Emergency Road Service offers mechanical labor at the place of breakdown, the towing of your vehicle to a repair facility, removal of a stuck vehicle, delivery of gas or oil, assistance with changing a tire or a jumpstart, and locksmith services.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 DiscountsState Farm offers an additional discount for vehicles made in 1994 or later, depending on the loss experience of the vehicle make and model.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 QuestionsMy car was towed by an apartment complex, will State Farm reimburse me for the towing cost?
Roadside assistance covers towing but it won't cover your car being towed by someone else. Your insurance company will not cover the cost of your car being towed from parking in the wrong location.
What could be the reason State Farm increased my premium?
Since it is policy-specific, State Farm will be the only one who can answer why the rate increased by 39%. I am not aware of any insurance law in California that would cause an increase of 39%.
I started a claim but canceled it with no payout. Why is it on my CLUE report?
Unfortunately, if you start the claims process, the insurance company can list it on your CLUE report through LexisNexis which contains your claims history — even if there was no payout or resolution. You can dispute with State Farm to see if they will remove it, but at this point, that is really the only option which is definitely frustrating.
Does State Farm match auto insurance quotes with other companies?
In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.
See More Questions
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State Farm vs Amica Mutual Insurance

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