Allstate vs Amica

Side-by-side car insurance comparison based on rates across all available locations

Allstate

3.9

Avg Monthly

$156/mo

Best Rate

$82/mo

Best For

Bundle savings

Top Discount

Multi-policy 25%

Founded

1931 · Northbrook, Illinois

Available In

14 locations

Lower Avg Rate

Amica

4.8

Avg Monthly

$89/mo

Best Rate

$60/mo

Best For

Best customer service

Top Discount

Loyalty 10%

Available In

5 locations

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Rate Comparison by State

Allstate cheaper: 0Amica cheaper: 0

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Pros & Cons

Allstate

Pros

✓Drivewise telematics rewards safe driving habits
✓Broad network of local agents
✓New car replacement and gap insurance available
✓Deductible rewards programme reduces your excess over time

Cons

✗Rates tend to be above average versus national competitors
✗Some claims processes reported as slow by policyholders

Amica

Detailed profile not yet available for Amica.

Which Should You Choose?

Allstate and Amica are evenly matched — each is cheaper in 0 of 0 states where both operate.

Amica has a higher average customer rating (4.8/5) compared to Allstate (3.9/5). However, ratings can vary by state and coverage type.

Allstate is generally best for bundle savings, while Amica stands out for best customer service. The right choice depends on your priorities — lowest price, best service, or specific discounts.

Get a Allstate Quote Get a Amica Quote

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Allstate vs Amica — FAQs

Is Allstate cheaper than Amica?

Allstate is cheaper in 0 of 0 states where both operate. However, rates vary by location, so Amica may be cheaper in your area. Always compare quotes for your specific state and circumstances.

Which has better ratings — Allstate or Amica?

Allstate has an average rating of 3.9/5, while Amica averages 4.8/5 across all states. Both are well-established insurers with strong financial stability.

What discounts does Allstate offer vs Amica?

Allstate's top discount is "Multi-policy 25%", while Amica offers "Loyalty 10%". Both insurers offer multi-policy, good driver, and other standard discounts — check each insurer's site for the full list.

Can I switch from Allstate to Amica?

Yes. You can switch car insurance at any time, though it's usually best to switch at renewal to avoid cancellation fees. Get quotes from both Allstate and Amica to compare rates for your specific situation.

Which is better for my state?

It depends on where you live. Use the rate comparison table above to see which insurer is cheaper in your state. Factors like your driving record, age, and vehicle also affect your personal quote.

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