Picking an auto insurer can be tough: rates can fluctuate by driving history, location, and age, and companies offer an array of discounts. USAA and Amica are two of the nation's top auto insurance companies, offering affordable coverage across large swaths of the US.
In an effort to make insurance shopping seamless, we pulled average insurance premiums from Amica and USAA. These cover a variety of rating factors, including credit, driving history, and demographics. Examine these figures and find an affordable policy today.
If you have very poor credit, Amica could be a better option for you. Typically, Amica offers cheaper premiums than USAA for drivers with credit scores of less than 580. Insurance shoppers with outstanding credit — a score of 800-plus — should lean toward USAA, which typically beats Amica by $217 per year. Check out typical insurance rates by credit tier for Amica and USAA below.
|Credit level||USAA avg. annual premium||Amica avg. annual premium|
|Very Poor (300-579)||$2,682||$2,010|
|Very Good (740-799)||$910||$1,174|
If you're saddled with an at-fault accident, ticket, reckless driving citation, or DUI in your recent history, USAA could be a better choice than Amica. Every insurance company prices its policies differently, so don't hesitate to shop around to find out which insurer is best for you.
|Citation||USAA avg. annual premium||Amica avg. annual premium|
|At-fault accident (damage < $1,000)||$1,304||$1,646|
|At-fault accident (damage > $1,000)||$947||$1,152|
Insurance companies use a driver's age as an indicator of potential risk, assigning rates accordingly. An auto insurance policy is commonly priciest for young drivers — due to their increased odds of being involved in an accident — and most affordable for middle-aged drivers. Because every insurance company prices age brackets in a different way, it's a smart move to shop around.
As a general rule, teen drivers should choose USAA over Amica: USAA offers average yearly savings of $2,502, compared to Amica.
|Age tier||USAA avg. annual premium||Amica avg. annual premium|
Costs aside, USAA 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 Comparison||USAA||Amica Mutual Insurance|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||USAA||Amica Mutual Insurance|
|JD Power Rankings||5 out of 5||4 out of 5|
|Other Products||USAA||Amica Mutual Insurance|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||USAA||Amica Mutual Insurance|
|About||USAA 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 Assistance||24-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 Discounts||USAA 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 Questions||Can my brother use his insurance for damage he caused to my vehicle?|
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|Compare More||USAA 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 USAA vs. SAFECO USAA vs. Safe Auto USAA vs. State Farm USAA vs. The General USAA vs. The Hartford USAA vs. Titan USAA vs. Travelers||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. 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 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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