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Amica vs Shelter Insurance

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

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
Lower Avg Rate

Shelter Insurance

4.5

Avg Monthly

$81/mo

Best Rate

$70/mo

Best For

Oklahoma residents

Top Discount

Multi-policy 15%

Available In

5 locations

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Rate Comparison by State

Amica cheaper: 0Shelter Insurance cheaper: 0

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Which Should You Choose?

Amica and Shelter Insurance 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 Shelter Insurance (4.5/5). However, ratings can vary by state and coverage type.

Amica is generally best for best customer service, while Shelter Insurance stands out for oklahoma residents. The right choice depends on your priorities — lowest price, best service, or specific discounts.

Get a Amica Quote

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Amica vs Shelter Insurance — FAQs

Is Amica cheaper than Shelter Insurance?
Amica is cheaper in 0 of 0 states where both operate. However, rates vary by location, so Shelter Insurance may be cheaper in your area. Always compare quotes for your specific state and circumstances.
Which has better ratings — Amica or Shelter Insurance?
Amica has an average rating of 4.8/5, while Shelter Insurance averages 4.5/5 across all states. Both are well-established insurers with strong financial stability.
What discounts does Amica offer vs Shelter Insurance?
Amica's top discount is "Loyalty 10%", while Shelter Insurance offers "Multi-policy 15%". 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 Shelter Insurance?
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 Shelter Insurance 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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