USAA vs Amica

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USAA, founded in 1922 by Army officers, has grown to become one of the largest auto insurance providers in the U.S. It exclusively focuses on the needs of veterans, current military members and their immediate family members by limiting membership to these groups.

Amica is even older, founded in 1907, and is the oldest mutual automobile insurance provider in the U.S. As a mutual company, Amica returns some dividends to policyholders, depending on the financial metrics of the year. Amica emphasizes customer satisfaction and continuously receives high marks among the J.D. Power overall customer satisfaction survey.

USAA vs Amica: car insurance rates comparison

When comparing USAA vs. Amica, you will notice both are highly rated in multiple areas. Both insurers earn impressive scores on Bankrate’s best insurance companies of 2021. Both earn high marks among the J.D. Power survey for customer service satisfaction and with AM Best financial strength ratings.

Car insurance company Bankrate Score AM Best J.D. Power Average annual premium for minimum coverage Average annual premium for full coverage
USAA 4.7 A++ 890/1,000 $384 $1,225
Amica 4.6 A+ 907/1,000 $405 $1,378

Rates by credit score

Both car insurance companies offer savings on premiums if you have a Good or Excellent credit rating. While credit scores play an important role in determining auto insurance rates, a few states, California, Hawaii, Massachusetts, Michigan and Washington, prohibit this practice with residents.

Car insurance company Poor Average Good Excellent
USAA $2,270 $1,277 $1,225 $1,030
Amica $2,125 $1,478 $1,378 $1,350

Rates by age

Age is another point of consideration from insurance companies impacting your premiums. With both USAA and Amica, 18-year-olds pay the highest rates, but rates drops significantly after age 25.

Car insurance company Age 16* Age 18 Age 25 Age 30 Age 40 Age 60
USAA $2,186 $3,361 $1,510 $1,295 $1,176 $1,073
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

A clean driving record is one of the best ways to secure low premiums. If you have a speeding ticket, accident or DUI conviction on your record, you can expect increased rates with both insurers.

Car insurance company Clean driving record Speeding ticket Accident DUI conviction
USAA $1,225 $1,463 $1,742 $2,177
Amica $1,378 $1,689 $1,665 $3,479

USAA vs Amica: discounts

Discounts are a simple way to save more on premiums. USAA and Amica both offer a menu of auto discounts, including bundling, multi-vehicle savings and good student savings. There are also a few unique discounts each carrier offers, which may help you save more than you would through another insurance company.


  • No payment plan fees — While many insurers offer a monthly payment option, it usually comes with additional fees. USAA does not charge fees for choosing monthly payment installments.
  • Family discount — If you were previously insured on your parents’ or guardians’ USAA policy, it could mean greater savings for you. This discount is worth up to 10% savings off premiums.
  • Military Installation — If you store or garage your vehicle on base, you could save. USAA offers up to 15% savings on comprehensive coverage if you store your vehicle on base. (Not available in NY)


  • Homeownership — If you own a home, you may be eligible for a discount. The best part is, this discount is available even if your homeowners policy is not with Amica.
  • Loyalty — If you have been a policyholder with the same insurer for at least two years, you qualify for a loyalty discount. The discount is based on the number of years as a customer.
  • Parent’s loyalty — If one of your parents has been an Amica policyholder, it may mean more savings for you. Ask about this discount if your parents have been with Amica for at least five years.

USAA vs Amica: online and mobile experience comparison

Both USAA and Amica provide robust online and mobile app support for policyholders. Whether you want to file a claim, call for roadside assistance or make a payment, both auto insurers offer online capabilities.


  • 4.8/5 — The USAA iOS app is highly rated, with customers positively touting the ease of use and design. Using the app gives you access to EVA, a digital voice assistant available for USAA policyholders needing more assistance.
  • 4.5/5 — The ratings for the Android USAA app are lower than the Apple version, although it has the same features. The biggest complaint appears to be the frequent updates and freezes.


  • 4.8/5 — The Amica iOS app is also well-received and provides many policy-management functions. You can even add additional coverages to your policy through the app.
  • 4.4/5 — The Android version has the same features and functions as the Apple version. The ratings are slightly lower than what USAA earns, but customers give positive reviews for an overall great customer experience.

Frequently asked questions

Is USAA cheaper than Amica?

Rates are dependent on a variety of personal factors, so your rates may be higher or lower. Bankrate uses Quadrant Information Services to examine rates and found in many circumstances, USAA is less expensive than Amica.

Can I switch auto insurance companies at any time?

You can switch auto insurance companies at any point; you do not have to wait for your policy renewal. Be sure not to cancel your old policy until your new one is in effect to avoid a lapse in coverage.

How do I start a quote?

Most major insurers, such as USAA and Amica, offer numerous ways to obtain quotes. You can first build a quote online or call the customer service number. Amica also has offices throughout the country if you prefer to meet in person.


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.

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
Sara Coleman
Insurance Contributor
Sara Coleman has three years of experience in writing for insurance domains such as Bankrate, The Simple Dollar,, and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.
Edited by
Senior Insurance Editor