State Farm, founded in 1922, is now the largest personal auto insurance provider in the U.S. Because of the sheer size of State Farm, the carrier is able to offer a variety of channels for customer service, including via telephone, robust mobile app, online portal or working directly with one of the 19,000 local agents nationwide. State Farm also offers a number of insurance products, with everything from boat insurance to motorhomes and small businesses.

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Amica is a mutual company and was founded in 1907. This makes Amica the oldest mutual insurer of vehicles in the U.S. A mutual company is structured so dividends can be returned to policyholders on an annual basis if certain financial metrics are met. Amica offers unique dividend policies that could help you recoup some of your annual premium each year. If you are interested in getting a quote from Amica, you can visit its website at

State Farm vs Amica: car insurance rates comparison

Both State Farm and Amica are included on Bankrate’s list of best car insurance companies. Both earn high financial strength ratings, with an A++ and A+ rating through AM Best, and above-average claims satisfaction scores from J.D. Power. A comparison of average rates from Quadrant Information Services shows State Farm is slightly less expensive than Amica, but remember that rates are highly dependent on personal factors. We combined all these metrics into a Bankrate Score on a 5.0 scale. State Farm edges out Amica in the Bankrate Score calculations.

Car insurance company Bankrate Score AM Best J.D. Power Average annual premium for minimum coverage Average annual premium for full coverage
State Farm 4.7 A++ 892/1,000 $456 $1,397
Amica 4.5 A+ 895/1,000 $444 $1,495

Rates by credit score

The following annual premiums show the impact that credit scores could have on premiums in states where credit is used as a rating factor. However, in California, Hawaii, Massachusetts and Michigan, your credit should not affect your premium. When comparing State Farm vs. Amica, Amica offers lower rates to those with poor or average credit, but State Farm’s rates are lower for the good and excellent credit tiers.

Average annual full coverage premiums

Car insurance company Poor Average Good Excellent
State Farm $3,584 $1,614 $1,397 $1,107
Amica $2,255 $1,572 $1,495 $1,418

Rates by age

Age is a significant consideration for premiums with State Farm and Amica. Drivers who are 18-years-old pay the highest amount of premiums on average. Fortunately, rates may drastically improve once a driver turns 25.

Car insurance company Age 16* Age 18 Age 25 Age 30 Age 40 Age 60
State Farm $2,077 $4,137 $1,694 $1,494 $1,457 $1,327
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

Both State Farm and Amica, like most insurance companies, increase premiums when incidents occur, due to drivers presenting a higher risk of a claim. The biggest increase is seen with a DUI conviction, where annual premiums more than double in some cases.

Car insurance company Clean driving record Speeding ticket Accident DUI conviction
State Farm $1,397 $1,606 $1,769 $2,293
Amica $1,495 $1,820 $1,782 $3,998

State Farm vs Amica: discounts

Both State Farm and Amica offer a generous amount of car insurance discounts. Savings opportunities include bundling, adding multiple vehicles, being a good student and taking part in defensive driving training. Each carrier offers other discounts too, although bear in mind that discount availability will vary by state.

State Farm

  • Safety equipment: If your vehicle is equipped with airbags, anti-lock brakes or an anti-theft system, then you may be eligible for a safety equipment discount.
  • Accident-free: If you remain accident-free for a certain number of years, you may be rewarded with lower premiums.
  • Student away at school: If you insure a young driver who goes to college without taking their vehicle, you might be able to lower your rate.


  • Parent’s loyalty: Drivers under 30 years old might qualify for this discount if their parent has had an Amica policy for at least five years.
  • Defensive driving: If you take a defensive driving course that’s been approved by Amica, you could save on your auto premium.
  • Homeownership: If you own a home, even if you don’t insure it with Amica, you could save money on your auto policy.

State Farm vs Amica: online and mobile experience comparison

Both State Farm and Amica give you a full suite of features with the online portal and mobile app. You can manage almost every aspect of your policy through both and contact customer service through the app for more detailed needs. Amica allows you to pay your policy online without registering an account if you prefer to checkout as a guest.

State Farm

  • App store — 4.8/5: The iOS app includes a full list of features such as bill pay, access to ID cards and claims filing. There are thousands of positive reviews, with many customers enjoying the app’s ease of use and numerous functions.
  • Google Play — 4.6/5: The Android version has the same features and also allows you to walk step by step through the claims process or summon roadside assistance. The functionality is a bit lower than on the iOS version though, with some users complaining of frequent glitches.


  • App Store — 4.8/5: The Amica mobile app gives you access to the claims center, customer service and online bill payment. You can even add additional coverage types to your existing policy through the app.
  • Google Play — 4.2/5: The Android version offers all the same features as the iOS version, but has reports of glitches and bugs, which result in a lower overall score.

Frequently asked questions


Bankrate utilizes Quadrant Information Services to analyze 2022 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 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 2020 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 the use of credit-based insurance scores as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts, and Michigan. Washington’s ban on factoring credit in premiums is currently on hold in the courts.

Age: Rates were calculated by evaluating our 2021 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.

Incidents: 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 and lapse in coverage.

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.