USAA vs Amica Mutual Insurance Car Insurance

Compare rates from the top car insurance companies in your area.

Location pin icon
Your information is secure.

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

Choosing an auto insurance company is sometimes difficult: rates fluctuate based on your driving record, location, and age, and companies offer an array of discounts. USAA and Amica are two of the most popular car insurance companies, selling affordable policies in most states across the US.

In an effort to make insurance shopping seamless, we've collected typical policy prices from Amica and USAA. These take into account myriad pricing factors, including credit history, driving history, and demographics. Take a look at these rates and find an affordable policy today.

Go in-depth: Check out our reviews of USAA and Amica.


USAA vs. Amica: insurance rate comparison


USAA vs. Amica: prices by credit level

If you have very bad credit, Amica could be preferable to USAA. On average, Amica offers cheaper premiums than USAA for drivers with credit scores of less than 580. Insurance shoppers with exceptional credit — a score of 800 or higher — should favor USAA, which typically beats Amica by $217 per year. View typical insurance rates by credit tier for Amica and USAA:


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Amica VS. USAA
Credit levelUSAA avg. annual premiumAmica avg. annual premium
Very Poor (300-579)$2,682$2,010
Fair (580-669)$1,247$1,389
Good (670-739)$1,057$1,352
Very Good (740-799)$910$1,174
Exceptional (800-850)$840$1,057

USAA vs. Amica: rates for high-risk drivers

If you are carrying an at-fault crash, speeding ticket, reckless driving violation, or DUI on your driving record, USAA could be a better choice than Amica. Each insurer will handle driving offenses differently, so don't hesitate to shop around to understand which insurer is best for you.


HIGH-RISK INSURANCE RATE COMPARISON: Amica VS. USAA
CitationUSAA avg. annual premiumAmica avg. annual premium
At-fault accident (damage < $1,000)$1,304$1,646
At-fault accident (damage > $1,000)$947$1,152
DUI/DWI$1,952$3,356
Reckless driving$1,472$2,761
Speeding ticket$1,124$1,390

USAA vs. Amica: rates by age

Auto insurance companies rely on a driver's age to estimate risk, pricing premiums accordingly. Car insurance is commonly most expensive for young drivers — due to their inexperience — and relatively affordable for drivers aged 25 or older. Since every insurance company rates ages uniquely, it's worth doing some comparison shopping.

As a general rule, teen drivers should choose USAA over Amica: USAA offers average yearly savings of $2,502 versusAmica.


RATES BY AGE: Amica VS. USAA
Age tierUSAA avg. annual premiumAmica avg. annual premium
Teens$2,864$5,366
20s$1,261$1,631
30s$963$1,631
40s$957$1,151
50s$889$1,105
60s$845$1,066

Aside from affordability, USAA and Amica each have pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonUSAAAmica 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 ComparisonUSAAAmica Mutual Insurance
Financial Strength SuperiorSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon
5 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 ProductsUSAAAmica Mutual Insurance
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesUSAAAmica Mutual Insurance
AboutUSAA is known for their award-winning service, distinguished products and making their customers' needs a priority.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 Assistance24-hour roadside assistance is included in all of USAA's Extended Vehicle Protection programs. Pricing varies depending on which plan you select. Roadside assistance will pay up to $100 per occurrence of the following: towing service, flat tire change, emergency gas delivery, battery jump, and locksmith services. Substitute Transportation is available up to $250 per occurrence. Travel/Lodging Reimbursement is available up to $300 per occurrence.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 DiscountsUSAA offers additional discounts for vehicles with daytime running lights and vehicles in storage, as well as a legacy discount for members under 25 years old whose parents have had USAA auto insurance.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 QuestionsOur son-in-law is a USAA member (Navy). Can we join also?
Parents are not eligible for USAA. I believe USAA eligibility flows "downstream" — so descendants, i.e.
Can my brother use his insurance for damage he caused to my vehicle?
Unfortunately, car insurance follows the vehicle, not the driver. In this case, he cannot use his own insurance to cover the damage he caused to your vehicle.
Agree to be paid out of pocket with driver with no license
To sum, having her pay out of pocket might be your best option. Let me explain.
Can I get USAA insurance from son in law
Although I am not a licensed agent for USAA, it is my understanding that you need to be a child or spouse of an established members to get a policy. Meaning, you wouldn't be eligible to get your own policy away from your son-in-law.
See More Questions
Compare MoreUSAA vs. 21st Century USAA vs. Allied USAA vs. Allstate USAA vs. American Family USAA vs. Auto Club (AAA) USAA vs. Erie USAA vs. Esurance USAA vs. Farmers USAA vs. Foremost USAA vs. GEICO USAA vs. Infinity USAA vs. Liberty Mutual USAA vs. Mercury USAA vs. MetLife USAA vs. Nationwide USAA vs. Progressive USAA vs. Root Insurance USAA vs. Safe Auto USAA vs. Safeco USAA vs. State Farm USAA vs. The General USAA vs. The Hartford USAA vs. Titan USAA vs. TravelersAmica 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. Farm Bureau Mutual 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. North Star Mutual Amica Mutual Insurance vs. Progressive Amica Mutual Insurance vs. Safe Auto Amica Mutual Insurance vs. Safeco 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
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
Additional Resources:

USAA vs Amica Mutual Insurance

Chevron left icon
Chevron right icon