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Amica vs Farmers

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

VS

Farmers

4

Avg Monthly

$109/mo

Best Rate

$62/mo

Best For

Rural coverage

Top Discount

Good student 20%

Available In

14 locations

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Rate Comparison by State

Amica cheaper: 0Farmers cheaper: 0

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Which Should You Choose?

Amica and Farmers 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 Farmers (4/5). However, ratings can vary by state and coverage type.

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

Get a Amica QuoteGet a Farmers Quote

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Amica vs Farmers — FAQs

Is Amica cheaper than Farmers?
Amica is cheaper in 0 of 0 states where both operate. However, rates vary by location, so Farmers may be cheaper in your area. Always compare quotes for your specific state and circumstances.
Which has better ratings — Amica or Farmers?
Amica has an average rating of 4.8/5, while Farmers averages 4/5 across all states. Both are well-established insurers with strong financial stability.
What discounts does Amica offer vs Farmers?
Amica's top discount is "Loyalty 10%", while Farmers offers "Good student 20%". Both insurers offer multi-policy, good driver, and other standard discounts — check each insurer's site for the full list.
Can I switch from Amica to Farmers?
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 Amica and Farmers 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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