Allstate vs Amica

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Amica, established in 1907, is currently headquartered in Lincoln, Rhode Island. According to the National Association of Insurance Commissioners (NAIC), Amica holds .5% of the total market share, ranking in the top 25 largest auto insurance providers in the U.S.

Allstate, founded in 1931, is based in Northbrook, Illinois. It is the fourth largest auto insurance company, with 9.1% of the market share. Allstate offers a variety of personal and business insurance products nationwide. Allstate also offers some insurance products through its wholly-owned subsidiaries, such as Esurance and Encompass.

Allstate vs Amica: car insurance rates comparison

When you are shopping for car insurance, comparing providers based on their third-party ratings can give you a good sense of their overall customer satisfaction and financial stability. In the table below, you can see the third-party ratings for Allstate vs. Amica, as well as their average annual premiums for full coverage and minimum coverage policies as provided by Quadrant Information Services.

Car insurance company Bankrate Score AM Best J.D. Power Average annual premium for minimum coverage Average annual premium for full coverage
Allstate 3.6 A+ 876/1,000 $696 $1,921
Amica 4.6 A+ 907/1,000 $405 $1,378

Bankrate analyzed third-party agency ratings from J.D. Power and AM Best, along with average annual premiums across more than 35,000 ZIP codes to calculate a Bankrate Score. The higher the score, with the highest being a 5.0, the more likely the insurer can pay claims, provide high customer satisfaction and offer competitive rates.

Rates by credit score

Your credit score will affect your auto insurance premiums in most states. But in Hawaii, California, Washington, Massachusetts, and Michigan, car insurance carriers are prohibited from using your credit score to determine your rate. The table below highlights the national annual average full coverage car insurance rates based on credit score.

Car insurance company Poor Average Good Excellent
Allstate $3,157 $2,312 $1,921 $1,989
Amica $2,125 $1,478 $1,378 $1,350

Rates by age

Young drivers pay the highest rates due to their increased risk, and premiums start to decrease once a driver gains experience behind the wheel. Once a driver turns 25-years-old, generally, rates are noticeably lower. However, according to Bankrate’s assessment, Allstate’s average annual full coverage rates are consistently more expensive for drivers in every age group.

Car insurance company Age 16* Age 18 Age 25 Age 30 Age 40 Age 60
Allstate $2,459 $6,152 $2,629 $2,317 $1,921 $1,986
Amica $2,389 $5,077 $1,701 $1,469 $1,378 $1,401

*16-year-old cost when added to parents’ policy, 18-year-old renter

Rates by driving record

Auto insurers look closely at your driving record to determine your level of risk, and therefore, your insurance premium. Drivers who have a speeding ticket, accident or DUI conviction on their record usually pay much higher rates. The table below shows the average annual full coverage premiums from Amica vs. Allstate based on driving records.

Car insurance company Clean driving record Speeding ticket Accident DUI conviction
Allstate $1,921 $2,519 $2,752 $3,763
Amica $1,378 $1,689 $1,665 $3,479

Allstate vs Amica: discounts

Most car insurance companies offer discounts that can help you save money on your policy. Allstate and Amica both offer generous car insurance discounts, but the exact savings available are unique to each company. Here are some of the best discounts available from Allstate vs. Amica:

Allstate

  • Responsible payer discount — This discount rewards drivers with a lower rate if they did not receive a cancellation notice for non-payment within the past year.
  • New car discount — Allstate may lower your car insurance premium if your vehicle is the latest model year or one year older and you are the first owner.
  • Vehicle safety discount — If your car is equipped with an anti-theft device or anti-lock brakes, Allstate may give you a discount on your policy.

Amica

  • Policy bundling discount — If you bundle your auto and home, condo, renters, life or umbrella insurance policy with Amica, you may save up to 30% on your premium.
  • Accident-free discount — Drivers without insurance claims on their record within the last three years may save money on their car insurance.
  • Young driver training discount — Drivers under 21 who complete an accredited driver training program may qualify for a lower rate with Amica.

Allstate vs Amica: online and mobile experience comparison

Allstate and Amica both stand out for their online experience, with user-friendly websites, online quoting options and various helpful resources. Additionally, these insurers have online claim systems, which makes it easy to file a new claim from your computer.

If you want to manage your policy on the go, Allstate and Amica both have free mobile apps. Both apps have pretty good ratings and share many of the same features. Here is a closer look at the mobile app reviews for Allstate vs. Amica:

Allstate

  • App Store (4.8 stars) — The Allstate iOS mobile app has great reviews and even better features. Policyholders can file a claim, pay their bills, request roadside assistance, download ID cards and contact customer service. Members who are enrolled in the Drivewise program can also track their progress and savings through the app.
  • Google Play (3.1 stars) — If you own an Android device, you can download the Allstate app through the Google Play Store and get all the same features as the iOS app. However, we should note that this app has negative reviews, with many users complaining about slow speeds, freezing and bugs. These issues seem to be the most prevalent for drivers who use the Drivewise feature.

Amica

  • App Store (4.8 stars) — Amica’s iOS app has exceptional reviews and customers are mostly satisfied with the app’s features and ease of use. Through the app, you can report claims, track existing claims, pay your premium, get roadside assistance, view your ID cards, speak to a customer service agent and more.
  • Google Play (4.4 stars) — Amica’s Android app has the same features as the iOS version, but this one has slightly lower ratings. As with Allstate’s Android app, many users wrote negative reviews about the app’s speed and bugs, like buttons that do not work and issues making payments.

Frequently asked questions

What is the best car insurance company?

Based on Bankrate’s assessment, some of the best car insurance companies are USAA, Amica, State Farm, Geico and Erie. However, the best insurance provider is different for everyone, which is why it is important to shop around and compare providers using your personal criteria.

What is the average cost of car insurance?

In the United States, the average cost of car insurance is $1,674 per year for a full coverage policy. Keep in mind that you could pay more or less than the average rate based on unique factors like your state and ZIP code, your age, credit score, driving history and the type of vehicle you drive.

What is the difference between minimum coverage vs. full coverage?

A minimum coverage car insurance policy is the least amount of coverage required in your state to drive legally. It can include bodily injury and property damage liability, personal injury protection (PIP) and uninsured motorist coverage. A full coverage auto policy generally includes optional collision and comprehensive coverage.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Credit: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base), and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining auto insurance rates: California, Hawaii, Massachusetts, Michigan and Washington.

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. 16-year-old rates were factored as the added cost to their parents’ policy; 18-year-old rates were calculated as drivers who rent their primary residence. The exception to this is Hawaii, which bans age being used to determine rates.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction (BAC of >= .08) and lapse in coverage.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth has two years of experience writing for insurance domains such as Bankrate.com, The Simple Dollar, Coverage.com and NextAdvisor, among others. In addition to auto insurance, Elizabeth regularly writes about home insurance, renters insurance and life insurance. She also covers industry trends and general insurance education.
Edited by
Senior Insurance Editor