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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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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.

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

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

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. 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

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
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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