Amica vs USAA
Side-by-side car insurance comparison based on rates across all available locations
Lower Avg Rate
Amica
4.8Avg Monthly
$89/mo
Best Rate
$60/mo
Best For
Best customer service
Top Discount
Loyalty 10%
Available In
5 locations
VS
USAA
4.9Avg Monthly
$94/mo
Best Rate
$50/mo
Best For
Military families
Top Discount
Loyalty 10%
Available In
11 locations
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Rate Comparison by State
Amica cheaper: 0USAA cheaper: 0
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Which Should You Choose?
Amica and USAA are evenly matched — each is cheaper in 0 of 0 states where both operate.
USAA has a higher average customer rating (4.9/5) compared to Amica (4.8/5). However, ratings can vary by state and coverage type.
Amica is generally best for best customer service, while USAA stands out for military families. The right choice depends on your priorities — lowest price, best service, or specific discounts.
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Amica vs USAA — FAQs
Is Amica cheaper than USAA?
Amica is cheaper in 0 of 0 states where both operate. However, rates vary by location, so USAA may be cheaper in your area. Always compare quotes for your specific state and circumstances.
Which has better ratings — Amica or USAA?
Amica has an average rating of 4.8/5, while USAA averages 4.9/5 across all states. Both are well-established insurers with strong financial stability.
What discounts does Amica offer vs USAA?
Amica's top discount is "Loyalty 10%", while USAA 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 Amica to USAA?
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 USAA 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.