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?

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.


Comparing car insurance rates: USAA vs. Amica


USAA vs. Amica: pricing by credit score

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.


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: high-risk insurance rate comparison

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.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: 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 bracket

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.


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

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 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
5 out of 5
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 QuestionsCan my brother use his insurance for damage he caused to my vehicle?

I had a claim filed against my insurance, not my accident, but my brother’s who was insured and was driving ...

Agree to be paid out of pocket with driver with no license

My son was rear-ended by a young woman driving without a license or insurance. Should he agree to let her ...

Can I get USAA insurance from son in law

My son in law has usaa insurance past on from family. He has added me on as a driver. I’m ...

Does USAA membership extend to grandchildren

My grandfather is retired military and is a USAA member. Does membership extend to grandchildren?...

See More Questions
Should I drop my 25yo son from insurance?

My 25-year-old son totaled one of our vehicles. If we drop him off our ins can we reduce/save major premium ...

Should I get my insurance company involved or pay for the damage myself if I backed into a tree?

I was backing out of my driveway and hit a tree while attempting to avoid other parked cars. Apparently I ...

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 USAA vs. SAFECO USAA vs. SafeAuto 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. SAFECO Amica Mutual Insurance vs. SafeAuto 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
Survey: Americans in the Dark about Car Insurance
Survey: Americans in the Dark about Car Insurance
Oct 24, 2017

“What you don’t know can’t hurt you…” … is an entirely false statement in the world of auto insurance. Car...

Editorial: A Need for Optionality in Insurance
Editorial: A Need for Optionality in Insurance
Sep 19, 2017

Today The Zebra announced that we closed a record-breaking $40 million Series B funding round, led by Accel Partners. As...

InsurTech Trends: Industry Experts Discuss Which Are Truly Innovative
InsurTech Trends: Industry Experts Discuss Which Are Truly Innovative
Aug 28, 2017

Insurance technology (also known as InsurTech or InsureTech) is en vogue. Whether it’s a new model of underwriting or new...

Why Tesla is Opting to Insure Its Own Cars
Why Tesla is Opting to Insure Its Own Cars
Apr 13, 2017

As driverless vehicles become less a futuristic dream and more a reality, our current system – which is obviously based...

How Does the Government Affect What You Pay for Car Insurance?
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017

  With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...

Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016

We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...

The Strangest Insurance Policies We’ve Ever Heard Of
The Strangest Insurance Policies We’ve Ever Heard Of
Sep 16, 2016

At The Zebra, insurance is our bread and butter. But in this enormous and complicated industry, there are lines of...

It’s Not You… Or Is It? What Might Cause Your Insurance Company to Drop You
It’s Not You… Or Is It? What Might Cause Your Insurance Company to Drop You
Jul 05, 2016

Car insurance companies may occasionally cancel policies if customers fail to pay the premium, commit insurance fraud, make unapproved modifications that change the...

The Absurd Spectrum of Auto Insurance Fraud
The Absurd Spectrum of Auto Insurance Fraud
May 24, 2016

Far from a victimless crime perpetuated against bloated corporations, insurance fraud reaches into the lives of everyday citizens. It costs the industry...

When Does a Little White Lie Become Insurance Fraud?
When Does a Little White Lie Become Insurance Fraud?
May 09, 2016

In the U.S., drivers are legally required to carry auto insurance. (Even in New Hampshire, the only state where drivers...

Why Your Auto Insurance Rates Could Be Rising This Year
Why Your Auto Insurance Rates Could Be Rising This Year
Feb 01, 2016

Rate increase? Click to find the cheapest rates on car insurance →   Lower gas prices = more road traffic...

Editorial: A Need for Transparency in Car Insurance
Editorial: A Need for Transparency in Car Insurance
Jan 26, 2016

By Alyssa Connolly, The Zebra We have exciting news on The Zebra front! Today we announced that we closed $17...

Will Insurance Companies Turn to Social Media to Assess Your Risk?
Will Insurance Companies Turn to Social Media to Assess Your Risk?
Oct 21, 2015

In the week following October 10, a story of law enforcement cracking down on a drunk driver spread quickly across...

Move Over Millennials: The Auto Industry is Interested in Your Grandparents
Move Over Millennials: The Auto Industry is Interested in Your Grandparents
Oct 16, 2015

The defining characteristics of the 80 million young people currently between the ages 18 and 34 has been much debated....

Drive Less, Pay Less? The Truth About Mileage and Car Insurance
Drive Less, Pay Less? The Truth About Mileage and Car Insurance
Sep 15, 2015

Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...

How to Get Car Insurance for Undocumented Citizens
How to Get Car Insurance for Undocumented Citizens
Aug 27, 2015

Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...

Car Insurance Scams: Are You A Target?
Car Insurance Scams: Are You A Target?
Aug 10, 2015

Sometimes things aren’t what they seem at the scene of a car crash, or even on the repair shop floor....

Insurance Telematics USA 2015: A Conference Looking to the Future
Insurance Telematics USA 2015: A Conference Looking to the Future
Jul 07, 2015

Pop quiz: What’s the largest potential technological disrupter of the car insurance industry? (Besides The Zebra, of course.) Answer: telematics....

When Traffic Tickets Cause Insurance Premiums to Rise
When Traffic Tickets Cause Insurance Premiums to Rise
Jun 30, 2015

A traffic ticket of any kind is bad enough—the extra money, the time spent in traffic court or diversion, the...

Could Your Voting Record Affect Your Car Insurance Rates?
Could Your Voting Record Affect Your Car Insurance Rates?
Jun 12, 2015

Anyone who’s ever searched for an auto insurance company knows by the questions they’re asked—plentiful and at times personal—that a...

Should Price Optimization Be Illegal?
Should Price Optimization Be Illegal?
Feb 23, 2015

If you haven’t had a car accident or made an insurance claim recently, you probably only think about your car...

This Guy Could Revolutionize Insurance Company Reviews
This Guy Could Revolutionize Insurance Company Reviews
Jul 24, 2014

You just can’t try insurance before you buy it—not really. You can read car insurance company reviews via some online...

Chevron right icon