Skip to Main Content

Allstate vs. Amica

Updated Apr 17, 2024

Amica typically offers lower rates and superior customer service compared to Allstate, but customer experiences vary.

Location-Icon

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Founded in 1907, Amica is the oldest mutual auto insurance company in the U.S. In addition to car insurance, Amica also offers home, motorcycle, flood, life and small business insurance and does business in all U.S. states except Hawaii. With just 0.44 percent of the market share in the private auto insurance market, Amica is a smaller carrier. If you’re interested in Amica, you can call 1-800-242-6422 or visit amica.com to learn more or find quotes.

With over 10 percent of the market share for private passenger auto insurance, Allstate is the fourth-largest auto insurer in the U.S. Founded in 1931, the company also owns several smaller carriers like Esurance, Encompass and high-risk insurer National General. Allstate does business in all 50 states and Washington, D.C., and offers a wide range of vehicle, property, life and business insurance in addition to its standard auto coverage.

Lightbulb

Our verdict

Amica generally offers lower average premiums for most drivers compared to Allstate, along with a wider range of available discounts. Amica also scores higher than Allstate in customer experience studies from J.D. Power, such as the 2023 U.S. Auto Claims Satisfaction Study, where it topped the rankings of all U.S. insurers for claims handling. However, Allstate does offer certain options you won’t find with Amica, such as pay-per-mile insurance policies, extended vehicle care and diminishing deductibles. Drivers looking for a robust auto policy including these features may find Allstate to be a better fit, although its coverage is typically more expensive.

The best car insurance company is different for every driver and depends on a variety of factors, from your driver profile to your insurance needs. Before making a decision, you may find it helpful to review a comparison of each company’s strengths and weaknesses.

Allstate vs. Amica comparison

Badge 1 Featured

Allstate

Allstate
Rating: 3.9 stars out of 5
3.9
Caret Down

Cost & ratings

Rating: 3.8 stars out of 5
3.8

Coverage

Rating: 4 stars out of 5
4.0

Support

Rating: 4 stars out of 5
4.0

Amica

Amica
Rating: 4.6 stars out of 5
4.6
Caret Down

Cost & ratings

Rating: 4.5 stars out of 5
4.5

Coverage

Rating: 5 stars out of 5
5.0

Support

Rating: 4.2 stars out of 5
4.2
OVERVIEW
Info
Amica could be a strong choice for those who prioritize outstanding customer service and comprehensive coverage options. It is particularly suitable for policyholders who do not mind potentially higher premiums for various insurance products, valuing instead a robust support and claims process.
STANDOUT FEATURES
Info
Loan
Multiple reward options
Online Reviews
Strong mobile and online tools
Car Outline
Teen driver training program
AVG FULL COV. AUTO RATE
Info
$2,860
AVG MIN COV. AUTO RATE
Info
$713
J.D. POWER AUTO SCORE
Info
909/1000
AM BEST RATING
Info
A+(Superior)

Allstate pros and cons

Pros
  • Safe driving telematics program won’t increase your premium for negative habits

  • Pay-per-mile program available in 17 states

  • Teen safe driving program offers potential discounts for families

  • Above-average 2023 J.D. Power Auto Claims Satisfaction score

Cons
  • Average rates trend higher than Amica

  • Scored below average for customer satisfaction in most regions on J.D. Power’s 2023 U.S. Auto Insurance Study

  • Scored below average in both sections of J.D. Power’s 2023 U.S. Insurance Digital Experience Study

  • Coverage and discount options limited by state availability

Amica pros and cons

Pros
  • Ranked first in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study

  • Ranked first for service in the J.D. Power 2023 U.S. Insurance Digital Experience Study

  • Average rates near the national average

  • Premium coverage package with zero-deductible glass coverage and new car replacement available

Cons
  • Not available in Hawaii, and no online car insurance quotes in Louisiana

  • 24/7 customer service and claims service not available

  • Limited local offices

  • Discount and coverage options limited by state availability

Is Allstate cheaper than Amica?

Based on our research with the latest auto insurance rates available from Quadrant Information Services, Allstate typically has higher rates for auto insurance than Amica. However, individual rates will vary based on driver profile. Underwriters for both companies consider a wide range of rating factors when setting premiums for each driver, resulting in unique price profiles that may diverge from average trends.

If finding a cheap provider is a primary factor in your insurance shopping decisions, comparing quotes based on your personal driver profile is the best way to determine which carrier is better for your budget. However, the average rates compiled in the table below may serve as a general guide to how Allstate and Amica typically price auto insurance for various customer profiles.

Driver profile Allstate avg. full coverage premium Amica avg. full coverage premium
Young driver (age 25) $3,494 $3,526
Good driver, good credit $2,892 $2,860
Good driver, poor credit $2,790 $2,572
Speeding ticket with good credit $3,341 $3,512
At-fault accident with good credit $3,914 $3,416
DUI conviction with good credit $4,804 $8,182
Lightbulb

Bankrate's take

Not all insurance carriers write policies for drivers with DUIs. Because a DUI conviction carries an extremely elevated insurance risk, drivers with DUIs may need to request a personalized quote and provide their driving record in order to find accurate pricing information.

Allstate vs. Amica: discounts

Almost all insurance companies offer discounts, but what’s available and how to qualify may vary from company to company. Although Bankrate’s Allstate insurance review revealed its average premiums are typically higher than the national average, the actual price you pay with either company will depend in part on which discounts you’re eligible to receive from each carrier.

Discounts available from both carriers

Both Allstate and Amica offer certain basic discounts, including:

  • Bundling discounts: Allstate customers can bundle home or renters insurance with their auto policy for a maximum potential discount of 25 percent. Amica offers up to 30 percent off for customers who bundle home, umbrella or life insurance with car insurance.
  • Student discounts: Both carriers offer discounts for full-time students with a B average or better, college students who attend school away from home without a car and teen drivers who complete an approved driver training program.
  • Safe driving discounts: Amica gives a discount to drivers who remain claim-free for three years. Allstate offers a similar discount for safe drivers, but doesn’t state the exact eligibility requirements on its website.
  • Anti-theft discount: If your vehicle has an anti-theft device such as a car alarm, you may be eligible for a discounted rate from both carriers.
  • Payment method discounts: Paying your premium in full, going paperless and setting up autopay can all qualify drivers for discounts from both Allstate and Amica.

Allstate discounts

Discounts available only from Allstate vs. Amica include:

  • New car discount: If you’re the first owner of a car from the current model year or one year prior, you may be eligible for a discounted rate.
  • Usage-based discounts: Allstate offers two usage-based insurance programs which could save drivers money: Drivewise for safe driving telematics and Milewise for pay-per-mile insurance.
  • Anti-lock brake discount: If your vehicle has an anti-lock braking system (ABS), you could earn a discount on your premium.
  • Early signing discount: Customers who sign their policy at least seven days before it takes effect may earn a discount.
  • Responsible payer discount: Policyholders who have not received a cancellation notice for non-payment in the past 12 months may qualify for a lower rate.

Amica discounts

Amica offers the following additional ways to save on auto insurance:

  • Loyalty discount: Customers who have been with any insurance company for at least two years could qualify for a discount from Amica.
  • Legacy discount: Customers under 30 who purchase a policy of their own from Amica may earn a discount if their parents have had an Amica policy for at least five consecutive years.
  • Homeowner discount: Homeowners may qualify for discounted auto insurance rates, even if their home insurance is not through Amica.
  • Multi-car policy discount: Amica advertises a discount of up to 25 percent for drivers who insure multiple vehicles.
  • Defensive driver discount: Some customers who complete an approved driver safety course may earn a discount, although age eligibility parameters vary by state.
  • Vehicle equipment discounts: Amica customers may earn discounts if their vehicle is equipped with forward collision protection, electronic stability control (ESC), airbags or other passive restraints and/or adaptive headlights.

Allstate and Amica telematics programs

Allstate’s Drivewise telematics program is available in all states except California and Alaska and offers discounted rates for drivers who complete 50 or more trips while tracking their driving with the Drivewise app. Amica’s StreetSmart offers both policy savings and additional rewards in the form of e-gift cards and charitable donations.

Both programs use telematics to track driver behavior and measure driving safety based on factors like speed, braking events, phone usage and time of day.

Allstate’s Drivewise Amica StreetSmart
Device App and in-car device Mobile app
Can it raise your rate? No No
Availability 21 states 22 states
Discount Up to 40 percent Up to 20 percent
What it monitors Driving speed, braking events, time of day, phone activity (not currently used to calculate performance) Phone use, phone screen tapping, hard braking, excessive speeding, road segment type

Allstate vs. Amica: customer experience comparison

Pricing, coverage options and discount programs all play an important role in shopping decisions — but for many drivers, considering the customer experience of current policyholders is key to finding the best auto insurance company for your needs. Customer experience can mean many different things, but for the purposes of our Amica vs. Allstate review, we’ll be focusing primarily on the companies’ mobile app ratings, claims satisfaction scores and customer complaints, as reported by J.D. Power and the National Association of Insurance Commissioners (NAIC).

Both carriers’ mobile apps received 4.8-star ratings in the Apple App Store, while Allstate’s app earned 3.9 stars from Android users in the Google Play Store and Amica’s earned just 3.4 stars. Android customers’ primary complaints with the Allstate app relate to battery drain and other issues with the Drivewise discount program, while Amica customers complain about frequent app bugs, including difficulty making payments.

In the J.D. Power 2023 U.S. Auto Claims Satisfaction Study, both Allstate and Amica scored above the industry average of 878 points, but Amica secured the top spot with a score of 909 out of 1,000.

Allstate Amica
Apple store 4.8 of 5 4.8 of 5
Google play 3.9 of 5 3.4 of 5
J.D. Power claims satisfaction 882 / 1,000 909 / 1,000

Customer complaints

A company’s rate of official complaints can give some insight into its success in meeting customer needs. The National Association of Insurance Commissioners (NAIC) records customer complaints for U.S. insurers and analyzes each carrier’s rate of complaints relative to its size. The resulting number, known as the insurer’s NAIC Complaint Index, indicates how many complaints a company generates compared to the industry baseline of 1.00. Higher numbers correspond to a higher level of complaints, while an index below 1.00 suggests that the company receives fewer complaints than expected.

Allstate complaints

Allstate’s NAIC Complaint Index for private passenger auto insurance in 2023 was close to the industry average at 0.93, indicating that the company receives slightly fewer complaints than average.

Amica complaints

Compared to Allstate, Amica shows a slightly lower rate of complaints, with a 2023 complaint index of 0.72.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze June 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 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 coverage that meets each state’s requirements. Our base profile drivers own a 2022 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-based insurance scores: 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. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.

Age: Rates were calculated by evaluating our base profile with the ages 25-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Bankrate Scores

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
  • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
  • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
  • Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Written by
R.E. Hawley
Senior Writer, Insurance

R.E. Hawley is a senior writer for Bankrate. Prior to joining Bankrate’s insurance editorial team in 2024, they worked as senior writer for a popular car ownership and insurance comparison app, leading a team of over a dozen writers in creating customer-focused financial advice content on topics ranging from insurance to vehicle reliability and auto loan refinance. R.E. holds a personal lines insurance license in the state of New York.

Edited by Editor, Insurance