If you’re looking for new car insurance, State Farm and Amica are both good options. Both offer auto insurance nationwide and provide high levels of quality customer service. So, the best choice between the two comes down to your needs.
Amica offers more car insurance add-ons to customize your policy, but its monthly premiums are higher than the national average of $150. State Farm provides affordable rates for many drivers but has a short list of coverage and discount options.
Amica vs. State Farm: The verdict
Both companies offer home, renters, and life insurance, allowing you to save by bundling insurance products. Amica wins in coverage options, while State Farm offers lower rates. So, drivers looking to add the standard coverages to their policy at an affordable price may prefer State Farm. People who have more complex insurance needs may want to work with Amica.
While Amica mainly sells its policies online, State Farms sells policies through a network of independent agents across the country. If you want to work with an insurance agent in person, there’s likely an office near you. The best insurer for you depends on your insurance needs and personal preferences.
|
Factor
|
Amica
|
State Farm
|
|---|---|---|
| IQ Score | 8.6 | 9.3 |
| J.D. Power customer satisfaction score | 833 out of 1,000 | 833 out of 1,000 |
| Average quote: liability only | $56 | $56 |
| Number of discounts | 18 | 10 |
| Number of states where it operates | 49 | 48 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Amica
Amica placed No. 2 in New England in the 2023 J.D. Power U.S. Auto Insurance Study, which measures the level of customer satisfaction a company provides during the claims process.
State Farm
In 2022, State Farm was the largest auto insurer for direct premiums written in the United States. It also finished in the top three in most regions in the 2023 J.D. Power U.S. Auto Insurance Study.
Amica StreetSmart vs. State Farm Drive Safe & Save
Amica StreetSmart and State Farm Drive Safe & Save are mobile apps that use telematics technology to track a policyholder’s driving. Both programs offer an up-front discount at enrollment, which may increase as the user practices safe and good driving. Amica members can also earn rewards to cash in as gift cards or charity donations.
Neither company will increase your premiums for poor driving recorded by the app.
StreetSmart isn’t available in all states. Drive Safe & Safe is offered in all states except California, Massachusetts, and Rhode Island.
Amica vs. State Farm: Which is the cheapest?
The monthly average rate for a State Farm liability car insurance policy sits at $56, which is significantly lower than an average Amica policy at $323. Your car insurance premium will vary based on factors like your age, gender, location, claims history, and more.
State Farm: Cheapest for drivers with a clean driving record
Among both insurers, State Farm offers lower car insurance rates for people with a clean driving record.
|
Driver Type
|
Amica
|
State Farm
|
|---|---|---|
| Clean driving record | $323 | $56 |
Disclaimer: Table data sourced from real-time quotes from Insurify’s 500+ partner insurance providers. Actual quotes may vary based on the policy buyer’s unique driver profile.
State Farm: Cheapest for drivers with a speeding ticket
Moving violations, such as at-fault accidents and speeding tickets, will likely increase your auto insurance rates. State Farm provides the lowest car insurance rates for drivers with a speeding ticket on their record.
|
Driver Type
|
Amica
|
State Farm
|
|---|---|---|
| Drivers with a speeding ticket | $452 | $67 |
State Farm: Cheapest for teen drivers
Among all age groups, teen drivers see the highest rates on their auto insurance policies. With the lowest rates for young drivers, State Farm is the go-to insurance company for big savings.
|
Driver Type
|
Amica
|
State Farm
|
|---|---|---|
| 18-year-old | $609 | $108 |
State Farm: Cheapest for drivers with bad credit
Drivers with less-than-perfect credit pay more for car insurance coverage. If you have poor credit, State Farm may be a cost-effective option for you.
|
Driver Type
|
Amica
|
State Farm
|
|---|---|---|
| Drivers with bad credit | $389 | $86 |
State Farm: Cheapest for senior drivers
Seniors in their 70s may start to see their premiums increase. If you’re a senior driver, State Farm is the budget-friendly choice.
|
Driver Type
|
Amica
|
State Farm
|
|---|---|---|
| Senior drivers | $229 | $40 |
Compare coverages: Amica vs. State Farm
Both insurance companies offer the state-minimum liability auto insurance, collision, and comprehensive coverage. They also offer medical payments, personal injury protection, and uninsured/underinsured motorist coverage. Amica offers more coverage options than State Farm for added protection.
State Farm and Amica insurance offer the following coverages:
|
Coverage
 |
Amica
|
State Farm
|
|---|---|---|
| Gap insurance | Yes | No |
| Full glass coverage | Yes | No |
| Roadside assistance | Yes | Yes |
| Rental reimbursement | Yes | Yes |
| Rideshare insurance | Yes | Yes |
| New-car replacement | Yes | No |
| Travel expenses coverage | No | Yes |
Compare discounts: Amica vs. State Farm
Although Amica has higher rates, it offers more savings opportunities, including loyalty and homeowner discounts. The table below illustrates discount options for both car insurance companies.
|
Discount
|
Amica
|
State Farm
|
|---|---|---|
| Clean driving record | Yes | Yes |
| Defensive driving course | Yes | Yes |
| Multi-policy | Yes | Yes |
| Multi-car | Yes | Yes |
| Low mileage | No | No |
| Telematics (safe driving app) | Yes | Yes |
| Anti-theft device | Yes | Yes |
| New car | No | No |
| Military/affiliation | No | No |
| Good student | Yes | Yes |
| Loyalty | Yes | No |
| Auto pay | Yes | No |
| Student away at school | Yes | Yes |
| Homeowner | Yes | No |
| Alternative fuel | No | No |
Amica vs. State Farm FAQs
Below, you’ll find answers to some of the most common questions asked about Amica and State Farm insurance.
-
How good is Amica at paying claims?
Amica offers superior claims handling service, ranking No. 1 in J.D. Power’s 2023 U.S. Auto Insurance Claims Satisfaction survey. -
Who is State Farm’s biggest competitor?
Amica is a worthy competitor when it comes to coverage options, customer service, and financial strength ratings. However, its car insurance policies cost significantly more than State Farm’s. Progressive is another competitor with more affordable rates than Amica, ranking second in highest direct written premiums after State Farm. -
What is the best alternative to State Farm?
State Farm competitors GEICO, Progressive, and Allstate provide reliable car insurance at affordable rates, but the best car insurance company for you will offer the coverage you need at the best rate. It’s a good idea to compare quotes from different companies to make the most informed decision on your insurance policy. -
Is Amica a good auto insurance company?
Yes. Amica ranks highly in customer satisfaction, claims handling, and financial stability. However, its rates are higher than the industry average.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
