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Amica vs State Farm: Who has better car insurance?

Choose between strong agent support or great loyalty perks.

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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.
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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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.

Compare alternatives to Amica and State Farm

Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
AARP Auto Insurance Program from The Hartford
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Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
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The Zebra
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Progressive
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Snapshot
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Pretected
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Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
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USAA
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SafePilot
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Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
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Branch
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Benefit from this online-based startup’s steep savings and convenient online quotes and claims.
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