Amica vs State Farm: Who has better car insurance?

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.

• How we got these rates

  To determine our estimated cost, we aggregated quotes in multiple ZIP codes and states using this driver profile:
  Single
  Good credit
  Sedan
  State minimum
  Currently insured

Our top pick: State Farm

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.

• 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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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.

	Read review	Read review
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.	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	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 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	Read review	Read review

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.

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