Amica vs State Farm

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

State Farm

4.5

Avg Monthly

$101/mo

Best Rate

$56/mo

Best For

Overall value

Top Discount

Multi-policy 17%

Founded

1922 · Bloomington, Illinois

Available In

50 locations

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Rate Comparison by State

Amica cheaper: 4State Farm cheaper: 1


Massachusetts	$108/mo	$122/mo	Amica saves $14/mo
Connecticut	$128/mo	$138/mo	Amica saves $10/mo
Rhode Island	$86/mo	$96/mo	Amica saves $10/mo
New Hampshire	$62/mo	$66/mo	Amica saves $4/mo
Vermont	$60/mo	$58/mo	State Farm saves $2/mo

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Pros & Cons

Amica

Detailed profile not yet available for Amica.

State Farm

Pros

✓Largest agent network in the US for local, in-person service
✓Consistently high customer satisfaction scores
✓Competitive rates for multi-policy bundles
✓Broad product range: auto, home, life, health, business

Cons

✗Premiums can be above average in some states
✗Digital tools lag behind online-first competitors

Which Should You Choose?

Amica is the cheaper option in 4 of 5 states where both insurers operate, saving an average of $10/month. State Farm is cheaper in 1 states.

Amica has a higher average customer rating (4.8/5) compared to State Farm (4.5/5). However, ratings can vary by state and coverage type.

Amica is generally best for best customer service, while State Farm stands out for overall value. The right choice depends on your priorities — lowest price, best service, or specific discounts.

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Amica vs State Farm — FAQs

Is Amica cheaper than State Farm?

Amica is cheaper in 4 of 5 states where both operate. However, rates vary by location, so State Farm may be cheaper in your area. Always compare quotes for your specific state and circumstances.

Which has better ratings — Amica or State Farm?

Amica has an average rating of 4.8/5, while State Farm averages 4.5/5 across all states. Both are well-established insurers with strong financial stability.

What discounts does Amica offer vs State Farm?

Amica's top discount is "Loyalty 10%", while State Farm offers "Multi-policy 17%". 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 State Farm?

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 State Farm 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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