Amica vs. State Farm: Which Insurance Company Is Better in 2026?
With its low premiums and excellent customer satisfaction scores in every region, State Farm is the top insurance company.
Secure. Free. Easy-to-use.
Excellent
)
Written byElizabeth Rivelli
)
Elizabeth Rivelli
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
Featured in
){kind=small}
){kind=logo}
){kind=small}
)
Edited byBecky Helzer
)
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
)
Reviewed byMacKenzie Korris
)
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
)
Data reviewed byKonstantin Halachev
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
State Farm is the nation’s largest car insurance company, with nearly 19% of the market share, according to the National Association of Insurance Commissioners (NAIC). In contrast, Amica has a much smaller market share than State Farm, with less than 14%.[1]
While State Farm stands out for its low premiums and excellent customer satisfaction scores, it offers a limited selection of add-ons. Amica has numerous discounts and a few more endorsements than State Farm, but also very high premiums.
In this article, we’ll compare insurance companies based on price, coverage, discounts, customer satisfaction, and other important factors.
Quick Facts
Amica and State Farm both receive high marks in the J.D. Power claims satisfaction study.
Amica offers gap insurance, but State Farm doesn’t.
Eligible Amica customers can receive an annual dividend of up to 20%.
Amica vs. State Farm: Our verdict
If you’re interested in cheap car insurance, State Farm is the better insurer to consider. State Farm has below-average rates — even for young drivers — whereas Amica’s rates are well above average. But Amica has more car insurance discounts than State Farm, which could help you lower your premium.
In terms of coverage, Amica is a slightly better choice than State Farm. Amica has a few more add-ons to choose from, including auto glass coverage and gap insurance.
While both companies have strong financial strength ratings, each company has its pros and cons. Before you choose the best car insurance company for you, it’s important to get personalized insurance quotes to see which one can offer you the coverage you need at the lowest rate.
Amica vs. State Farm
 |  |
|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $350/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $82/mo* |
Overall rating 4.5 | Overall rating 4.0 |
Value for money 3.5/5 | Value for money 3.6/5 |
Customer service 3.8/5 | Customer service 4.2/5 |
Claims handling 4.1/5 | Claims handling 4.1/5 |
Special highlight 24/7 claims serviceAI-generated from 100 user reviews | Special highlight Customer serviceAI-generated from 6862 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Amica: Best for discounts
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.6 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $269/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $431/mo |
4.5
Best choiceBased on 176 verified guest reviews and ratings
How drivers feel about Amica
Customers appreciate the excellent customer service and claims processing but are frustrated by the frequent and significant premium increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
24/7 claims service
Bundling discounts
High customer satisfaction
How drivers feel about Amica
Customers appreciate the excellent customer service and claims processing but are frustrated by the frequent and significant premium increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
24/7 claims service
Bundling discounts
High customer satisfaction
Reviews (100)
Ronald
Verified Review
Not Happy with Amica
Reviewed in Georgia on December 2025
Too expensive and goes up with every renewal.
Rachel
Verified Review
Typical Bait and Switch
Reviewed in Nebraska on December 2025
Constantly raising rates despite no claims filed and having a perfect credit and driving record.
Dennis
Verified Review
AMICA - A Wonderful Insurance Company
Reviewed in Massachusetts on November 2025
They are terrific. I just wish the premiums were less.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
709NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.57A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Amica offers 19 discounts to help lower your car insurance costs. In comparison, State Farm offers 14 discounts, with availability varying by state.
Amica’s selection of endorsements is slightly better than State Farm’s, so it may be a better choice if you want to customize your policy. But the biggest downside of Amica is that its premiums are much higher, on average, than State Farm’s.
Pros
Many available discounts
Multiple available add-ons
Policyholders can be eligible for dividends
Cons
High insurance premiums
Telematics program available in only 27 states
No overnight customer support
State Farm: Best for affordability
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $108/mo |
4.0
Best choiceBased on 13,958 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,862)
Carol
Verified Review
Average
Reviewed in Missouri on January 2026
The agent fee is high, which drives the premium up needlessly. It's difficult to reach the agent in the office at times.
Brent
Verified Review
Good service but cost keeps going up even with no claims.
Reviewed in Wisconsin on January 2026
Initially saved me a big chunk of money with better coverage. Unfortunately, significant price increases almost quarterly. I’m retired and it’s hard to keep up with costs.
Doug
Verified Review
Rate Increases
Reviewed in Michigan on January 2026
They are always raising rates even without claims or tickets.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm’s auto insurance premiums are much lower than Amica’s, according to Insurify rate data. The company offers a variety of discounts, including those for bundling car insurance with home, renters, or life insurance.
J.D. Power rates State Farm above average for overall customer satisfaction in every U.S. region. But Amica has a higher customer satisfaction score than State Farm in New England.
Pros
Low average car insurance premiums
Impressive customer satisfaction ratings
Generous bundling discounts
Cons
Limited selection of endorsements
No accident forgiveness
Not available in Massachusetts or Rhode Island
State Farm vs. Amica: Which is cheaper?
On average, State Farm has much cheaper premiums than Amica for all policy types.
The table below shows how the two companies compare on cost for various driver profiles. Rates shown are for full coverage unless otherwise specified.
Driver Type  | Amica | State Farm |
|---|---|---|
| Adult drivers | $417 | $99 |
| Liability-only coverage | $269 | $55 |
| Full coverage | $431 | $108 |
| Drivers with a speeding ticket | $629 | $138 |
| Drivers with a DUI | $662 | $159 |
| Drivers with an at-fault accident | $593 | $141 |
| Poor credit drivers | $522 | $175 |
| Good credit drivers | $356 | $85 |
| Teen drivers | $816 | $222 |
| Senior drivers | $305 | $77 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Cheap Car Insurance
Check quotes from 120+ top insurance companies
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Amica vs. State Farm car insurance discounts
Amica offers a larger selection of car insurance discounts than State Farm. Since Amica has significantly higher premiums, these discounts could help reduce your premium.
The following table shows each company’s discounts.
Discount | Amica | State Farm |
|---|---|---|
| Safe driver | ✔ | ✔ |
| Defensive driving course | ✔ | ✔ |
| Multi-policy | ✔ | ✔ |
| Multi-car | ✔ | ✖ |
| Low mileage | ✖ | ✔ |
| Telematics | ✔ | ✔ |
| Anti-theft device | ✔ | ✔ |
| New car | ✖ | ✖ |
| Military/affiliation | ✖ | ✖ |
| Good student | ✔ | ✔ |
| Loyalty | ✔ | ✔ |
| Auto pay | ✔ | ✖ |
| Student away at school | ✔ | ✔ |
| Homeowner | ✔ | ✖ |
| Alternative fuel | ✖ | ✖ |
| Pay in full | ✔ | ✖ |
Compare customer satisfaction and financial strength
Amica and State Farm both have excellent customer satisfaction and strong financial strength ratings.
Both companies have A+ financial strength ratings from AM Best, indicating a superior ability to pay claims and meet other policyholder obligations. They also have above-average ratings in the J.D. Power 2025 U.S. Auto Insurance Study.[2]
The NAIC reports that both companies receive fewer complaints than expected for their size. But State Farm and Amica both have very low Better Business Bureau (BBB) customer ratings.
Based on customer reviews, Amica policyholders appreciate the friendly agents and ease of claim handling, but many people complain about frequent rate hikes. State Farm customers consistently praise the company’s customer service and local agents, but they’re less satisfied with the claims process.
Score | Amica | State Farm |
|---|---|---|
| IQ Score | 8.6 | 9.3 |
| Customer reviews | 4.5/5 (176 reviews) | 4.1/5 (13,867 reviews) |
| J.D. Power | Above-average customer satisfaction in New England | Above-average customer satisfaction in every region |
| AM Best rating | A+ | A+ |
| NAIC complaint index | 0.54 (fewer complaints than expected) | 0.85 (fewer complaints than expected) |
| BBB customer reviews | 1.4 out of 5 | 1.23 out of 5 |
Recent customer reviews of Amica car insurance
When shoppers compare quotes through Insurify, Insurify asks them to rate their current insurance company. These reviews help other shoppers understand what real customers think about their insurance companies.
Check out recent Amica car insurance reviews to help you decide if it’s the right insurer for your needs.
Ronald
Verified Review
Not Happy with Amica
Reviewed in Georgia on December 2025
Too expensive and goes up with every renewal.
Rachel
Verified Review
Typical Bait and Switch
Reviewed in Nebraska on December 2025
Constantly raising rates despite no claims filed and having a perfect credit and driving record.
Dennis
Verified Review
AMICA - A Wonderful Insurance Company
Reviewed in Massachusetts on November 2025
They are terrific. I just wish the premiums were less.
Kevin
Verified Review
All great but prices too high!
Reviewed in Georgia on October 2025
Rates are too high.
…
Recent customer reviews of State Farm car insurance
We collect real reviews from verified State Farm policyholders to help other shoppers learn more about the pros and cons of the company.
See what State Farm customers think about the insurer’s coverage options, customer service, value, and more.
Carol
Verified Review
Average
Reviewed in Missouri on January 2026
The agent fee is high, which drives the premium up needlessly. It's difficult to reach the agent in the office at times.
Brent
Verified Review
Good service but cost keeps going up even with no claims.
Reviewed in Wisconsin on January 2026
Initially saved me a big chunk of money with better coverage. Unfortunately, significant price increases almost quarterly. I’m retired and it’s hard to keep up with costs.
Doug
Verified Review
Rate Increases
Reviewed in Michigan on January 2026
They are always raising rates even without claims or tickets.
Virender
Verified Review
Excellent
Reviewed in Wisconsin on January 2026
Excellent service.
…
Amica StreetSmart vs. State Farm Drive Safe & Save
Amica and State Farm each offer a telematics program, which is a type of usage-based insurance (UBI).
Telematics programs track driving behaviors and reward safe drivers with reduced premiums. These are different from pay-per-mile programs, which set your premium based on the distance you drive each month.
Amica customers can enroll in StreetSmart by Amica, which tracks driving behavior for 91 days through the StreetSmart by Amica mobile app. Specifically, the app tracks these habits: hard braking, speeding, road segment type, phone use, and phone screen tapping.
After the tracking period ends, the app calculates a safe driving score. If you’re eligible for a discount, it’ll take effect when your policy renews. Eligible customers can save 10% when they enroll and up to 20% for driving safely.
Drivers who participate in StreetSmart by Amica can also earn rewards based on their driving. You can redeem safe driving rewards for digital gift cards from retailers like Amazon, Best Buy, Starbucks, and Target. You can also choose to donate your rewards to charity.
State Farm customers get access to Drive Safe & Save. This program uses the State Farm mobile app and a Bluetooth-enabled beacon to track these driving behaviors: acceleration, braking, cornering, phone distraction, speed, and mileage.
You can earn a 10% participation discount and save up to 30% for driving safely. Any discounts you earn take effect when your policy renews (typically every six months) based on your driving data from the prior 12 months.
Feature | Amica StreetSmart | State Farm Drive Safe & Save |
|---|---|---|
| Best for | Drivers who want to earn retailer gift cards in addition to insurance discounts | Drivers who want the biggest potential safe driving discount |
| Savings potential | Up to 20% based on driving behavior | Up to 30% based on driving behavior |
| How it works | Uses a smartphone app to track driving behavior | Uses a smartphone app and a Bluetooth-enabled beacon to track driving habits |
| Availability | 27 states (limited availability) | 47 states (not available in California, Massachusetts, or Rhode Island) |
| Data tracked | Hard braking, speeding, road type, phone use | Acceleration, braking, cornering, phone distraction, mileage |
| App rating (App Store/Google Play) | 4.6/4.3 | 4.8/4.6 |
| Average discount for good drivers | Not advertised | Not advertised |
| Driver feedback tools | See rewards and driving habits in the app | App shows a map of your trips and driving events that occurred on the route |
| Gamified rewards | ✖ | ✔ (drivers can earn rewards and redeem them for e-gift cards) |
| Compatibility | Smartphone app only | Smartphone app plus Bluetooth-enabled beacon (mailed to you upon enrollment) |
Shop for Car Insurance
Let us do the work getting quotes from 120+ companies. You sit back and save!
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Compare coverages: Amica vs. State Farm
Amica and State Farm offer similar insurance coverage, but Amica offers a few more endorsements, including gap insurance and auto glass coverage.
Here’s a side-by-side comparison of the coverage options each company offers.
Coverage | Amica | State Farm |
|---|---|---|
| Bodily injury liability (BI) | ✔ | ✔ |
| Property damage liability (PD) | ✔ | ✔ |
| Personal injury protection (PIP insurance) | ✔ | ✔ |
| Underinsured/uninsured motorist coverage (UIM/UM) | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Comprehensive | ✔ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Gap insurance | ✔ | ✖ |
| Classic car insurance | ✖ | ✔ |
| Rideshare insurance | ✔ | ✔ |
Amica vs. State Farm FAQs
An Amica versus State Farm insurance company comparison can help you decide which insurer is better for your situation. See below for answers to some frequently asked questions.
Which is cheaper: Amica or State Farm?
State Farm tends to have cheaper auto insurance rates than Amica. But auto insurance premiums depend on a variety of factors, including your age, insurance history, coverage, vehicle type, location, and deductibles.[3]
Which insurance company has the best reputation?
State Farm and Amica both have strong reputations in the auto insurance industry, with excellent customer satisfaction, claims satisfaction, and fewer-than-average complaints.
Who owns Amica Insurance?
Amica is a mutual insurance company, which means it’s owned by its policyholders. Eligible policyholders can receive up to 20% in annual dividends when certain conditions are met.
Who is State Farm’s biggest competitor?
State Farm has several competitors, including Progressive, GEICO, and Allstate.
Which car insurance company offers the cheapest insurance?
COUNTRY Financial has the cheapest auto insurance rates on average, based on Insurify rate data. Other car insurance companies with cheap rates include Auto-Owners and USAA.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
)
List of National and Regional Car Insurance Companies
January 20, 2026
)
Travelers Auto Insurance: User Reviews and Quotes
January 20, 2026
)
USAA Auto Insurance: User Reviews and Quotes
January 20, 2026
)
State Farm Auto Insurance: User Reviews and Quotes
January 20, 2026
)
Liberty Mutual Insurance Review: 3,351+ User Ratings
January 21, 2026
)
GEICO Auto Insurance: User Reviews and Quotes
January 20, 2026
)
Farmers Auto Insurance: User Reviews and Quotes
January 20, 2026
)
Allstate Insurance Review: 8,324+ User Ratings
January 20, 2026
Sources
- National Association of Insurance Commissioners. "Property and Casualty Insurance Industry 2024 Top 25 Groups and Companies by Countrywide Premium."
- J.D. Power. "2025 U.S. Auto Insurance Study."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
)
Elizabeth Rivelli
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Elizabeth has been a contributor at Insurify since October 2022.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.