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Amica vs State Farm: Who has better car insurance?

Choose between strong agent support or great loyalty perks.

Updated

Fact checked

State Farm’s nationwide presence marks it as one of the top insurers in the US. If you prefer personalized service to get the best customized policy, then State Farm’s a solid choice. However, Amica could be the way to go if you’re seeking more driver perks and loyalty rewards.

Amica’s reputation for its stellar customer service and policy advantages includes car purchase support and lifetime claim warranty. Both insurers offer numerous financial services, including auto, home and life insurance. You’ll be able to bundle almost anything you need with either provider for convenience or savings. But State Farm has the slight edge for its wide availability and support from your personal agent.

Our top pick: State Farm

Get personalized, one-on-one support to build your policy with your local agent. Start your policy today at 877-745-0232.

  • Excellent rating and top choice in the US
  • Full range of financial options
  • Available in 50 states
  • Excellent rating and top choice in the US
  • Full range of financial options
  • Available in 50 states

Compare Amica vs. State Farm car insurance

 

Amica

State Farm

OVERVIEW

OVERVIEW
About the provider
About the brand From offering yearly dividends for policyholders to multi-car discounts and roadside assistance, consider switching to Amica car insurance. Get personalized, one-on-one support to build your policy with your local agent. Start your policy today at 877-745-0232.
States served
States served All 50 states All 50 states

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness Yes Yes
Rideshare coverage
Rideshare coverage No Yes
SR-22 insurance
SR-22 insurance Yes
Yes
Claims methods
Claims methods online
email
phone
online
email
phone
in-person
Payment schedule
Payment schedule 6 months
monthly
6 months
monthly

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes, up to 15% Yes
Home owner discount
Home owner discount Yes Yes
Military discount
Military discount No No
Multi car discount
Multi car discount Yes, up to 25% Yes, Up to 20%
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes Yes, up to 40%
Safe driver discount
Safe driver discount Yes Yes
Special employment discount
Special employment discount No No
Student discount
Student discount Yes Yes, Up to 25%
Usage based discount
Usage based discount No No
Learn more
Learn more

Bottom line

Both Amica and State Farm are reliable insurers with a history of personalized support, that offer customized car insurance policies for almost any driver. The biggest difference is in the customer service. If you prefer a personalized agent, State Farm can give you that. Looking for perks for customer loyalty? Amica’s your pick. Compare quotes from both providers to choose the right one for you.

Compare alternatives to Amica and State Farm

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Find basic coverage and low rates through its easy online or app-based experience.
Assurance
Optional
Yes
All states except AK & HI
Your broker is your one-stop shop for comparing any coverage you need.
Car Insurance Finder
Optional
Optional
Yes
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Enjoy exclusive savings and benefits designed for experienced drivers over the age of 49.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.
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