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Amica vs State Farm: Who has better car insurance?

Choose between strong agent support or great loyalty perks.

Our top pick: State Farm

State Farm logo
  • Service with a personal feel through dedicated agents
  • Bundle multiple policies or vehicles to save up to 20%
  • No. 1 for personal auto insurance by market share, suggesting satisfied customers
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Roslyn McKenna
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Choosing between Amica vs. State Farm comes down to each company’s discounts, perks and customer service. Amica has a reputation for stellar service and policy perks like no-deductible glass repairs. But State Farm holds an edge on availability with personal agents.

In addition, State Farm’s rates averaged $25 less per month than Amica’s, based on our independent analysis of rates across multiple ZIP codes. Both offer bundling for almost any policy you need, although Amica has the highest bundling discounts.

Compare Amica vs. State Farm car insurance

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. Compare these companies side by side to see which one fits your needs best.

Amica

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State Farm

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OVERVIEW

 OVERVIEW
About the provider
About the brand Enjoy yearly dividends, big discounts and highly rated customer service. Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value. 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 No
Accident forgiveness
Accident forgiveness Yes Yes
Rideshare coverage
Rideshare coverage Yes Yes
SR-22 insurance
SR-22 insurance Yes Yes
Claims methods
Claims methods online
email
phone
 Online
Phone
Payment schedule
Payment schedule 6 months
monthly
 12 months
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
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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
Allstate
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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More Info
Progressive
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Get quotes
More Info
The AARP Auto Insurance Program from The Hartford
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Get quotes
More Info
Liberty Mutual
Liberty Mutual
Optional
30%
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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More Info
Savvy
Savvy
Optional
Depends on provider
Yes
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Get quotes
More Info
Gabi
Gabi
Optional
Optional
Yes
All 50 states except AK & HI
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.
Get quotes
More Info
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