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Amica vs USAA: Who has better car insurance?

Both insurers have a long history, but USAA stands out for exceptional customer support year after year.

Our top pick: USAA

  • USAA won Finder's best pick for military drivers 3 years in a row
  • Some of the lowest rates and highest customer satisfaction
  • Geared for military, including overseas car-buying support and flexible payments
  • 24/7 online policy management from bills to claims
  • Earn dividends from company profits
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Founded in 1907, Amica is the oldest insurer of cars in the US. Amica is known for good customer service and offering free perks other insurers don’t offer, like free lock replacement. And the company gets an A+ from the Better Business Bureau.

Founded in 1922, USAA serves members of the military and their families by offering competitive rates on car insurance and many other financial products. Like Amica, USAA receives an A+ from the BBB, and it is one of the highest-ranking companies in customer satisfaction year after year.

USAA’s highly rated customer support and cheap rates make it the best pick for military-affiliated drivers, but Amica is still a great option if you don’t qualify for USAA.

If you qualify for both insurers, compare USAA and Amica side by side to get the details you need to pick the best car insurance for you.

Amica

USAA

OVERVIEW

OVERVIEW
About the provider
About the brand Enjoy yearly dividends, big discounts and highly rated customer service. Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
States served
States served All 50 states All 50 states & DC

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 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
custom

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 Yes
Multi car discount
Multi car discount Yes, up to 25% Yes
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes Yes
Safe driver discount
Safe driver discount Yes Yes
Special employment discount
Special employment discount No Yes
Student discount
Student discount Yes Yes
Usage based discount
Usage based discount No Yes
Learn more
Learn more

Bottom line

If you’ve served in the military or are currently serving, or if you qualify through a family member, USAA is by far the clear winner. With a 5 out of 5 rating from J.D. Power and an A+ from the BBB, its customer service can’t be beat. And its many discounts make car insurance affordable. But if you don’t qualify for insurance through USAA, Amica is a solid choice.

If neither one’s right for you, compare car insurance companies to find the best policy for you.

Compare alternatives to Amica and USAA

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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.
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.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
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.
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