Choosing an auto insurance company is sometimes difficult: every company's rates differ by location, vehicle, and driving record, and companies offer an array of perks. State Farm and Amica are two of the most popular insurance companies, offering affordable coverage across large portions of the US.
In an effort to simplify the process of comparing insurance companies, we gathered average policy prices from Amica and State Farm. The below rates cover an array of pricing factors, including credit rating, driving history, and age. Examine these rates and find the right policy for you.
If you have very poor credit, Amica could be the best option for you. On average, Amica offers cheaper prices than State Farm for drivers with credit scores of lower than 580. Insurance shoppers with exceptional credit — a score of 800 or better — should consider Check out common insurance rates by credit level for Amica and State Farm:
|Credit level||State Farm avg. annual premium||Amica avg. annual premium|
|Very Poor (300-579)||$3,522||$2,010|
|Very Good (740-799)||$1,451||$1,174|
If you're dealing with an at-fault accident, ticket, reckless driving citation, or DUI on your résumé, 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 figure out which insurer suits you.
|Violation||State Farm avg. annual premium||Amica avg. annual premium|
|At-fault accident (damage < $1,000)||$2,849||$1,646|
|At-fault accident (damage > $1,000)||$1,524||$1,152|
Insurance companies use a driver's age to estimate risk, pricing premiums accordingly. A car insurance policy is usually more expensive for teen drivers — due to their inexperience — and more affordable for middle-aged drivers. Since every insurance company prices age brackets uniquely, it's worth doing some comparison shopping.
As a general rule, teen drivers should choose Amica over State Farm: the former's average annual rates are $454 less than the latter's..
|Age tier||State Farm avg. annual premium||Amica avg. annual premium|
Affordability aside, State Farm and Amica each have pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Dive into the data before making your decision.
|Discount Comparison||State Farm||Amica Mutual Insurance|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||State Farm||Amica Mutual Insurance|
|JD Power Rankings||3 out of 5||4 out of 5|
|Other Products||State Farm||Amica Mutual Insurance|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||State Farm||Amica Mutual Insurance|
|About||Get 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 Assistance||State 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 Discounts||State 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.|
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|Compare More||State Farm vs. 21st Century State Farm vs. Allied State Farm vs. Allstate State Farm vs. American Family State Farm vs. Auto Club (AAA) State Farm vs. Erie State Farm vs. Esurance State Farm vs. Farmers State Farm vs. Foremost State Farm vs. GEICO State Farm vs. Infinity State Farm vs. Liberty Mutual State Farm vs. Mercury State Farm vs. MetLife State Farm vs. Metromile State Farm vs. Nationwide State Farm vs. Progressive State Farm vs. Root State Farm vs. SAFECO State Farm vs. Safe Auto State Farm vs. The General State Farm vs. The Hartford State Farm vs. Titan State Farm vs. Travelers State Farm vs. USAA||Amica 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. SAFECO Amica Mutual Insurance vs. Safe Auto 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 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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