Amica vs. State Farm: Which Is the Best? (2025)
State Farm earned an IQ Score of 9.3 out of 10, compared to Amica’s 8.6.
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Written byAlani Asis
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3 años de experiencia en redacción de contenidos
Artículos en destacadas publicaciones financieras
Alani es una escritora independiente especializada en finanzas personales. Su objetivo es hacer que los temas complejos sean más accesibles a través de contenidos divertidos y digestibles.
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Edited byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Data reviewed byKonstantin Halachev
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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.
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Table of contents
If you’re looking for new car insurance, State Farm and Amica are both good options. Both offer auto insurance nationwide and provide high levels of quality customer service. So, the best choice between the two comes down to your needs.
Amica offers more car insurance add-ons to customize your policy, but its monthly premiums are higher than the national average of $138. State Farm provides affordable rates for many drivers but has a short list of coverage and discount options.
Quick Facts
Amica and State Farm telematic programs offer savings for good driving.
While Amica rates are higher, the auto insurer has more discounts to choose from.
State Farm is a good choice for people who’d like to work with an in-person insurance agent.
Amica vs. State Farm: The verdict
Both companies offer home, renters, and life insurance, allowing you to save by bundling insurance products. Amica wins in coverage options, while State Farm offers lower rates. So, drivers looking to add the standard coverages to their policy at an affordable price may prefer State Farm. People who have more complex insurance needs may want to work with Amica.
While Amica mainly sells its policies online, State Farms sells policies through a network of independent agents across the country. If you want to work with an insurance agent in person, there’s likely an office near you. The best insurer for you depends on your insurance needs and personal preferences.
Factor  | Amica | State Farm |
|---|---|---|
| IQ Score | 8.6 | 9.3 |
| J.D. Power customer satisfaction score | 833 out of 1,000 | 833 out of 1,000 |
| Average quote: liability only | $56 | $56 |
| Number of discounts | 18 | 10 |
| Number of states where it operates | 49 | 48 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Amica
Amica placed No. 2 in New England in the 2023 J.D. Power U.S. Auto Insurance Study, which measures the level of customer satisfaction a company provides during the claims process.[1]
| 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. | $279/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. | $433/mo |
4.5
Best choiceBased on 171 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 (99)
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.
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 Mutual Insurance Company launched in 1907, making it the oldest mutual insurer offering car insurance in the U.S. Amica offers auto, homeowners, life, marine, and more types of insurance in all 50 states. Amica offers flexible coverage options, including gap insurance, roadside assistance, and rental reimbursement. The company has strong financial stability and credit ratings from AM Best, and J.D. Power ranked it No. 1 for claims satisfaction in the U.S. It also receives fewer than average complaints, according to the National Association of Insurance Commissioners Complaint Index.
Pros
Good ratings for customer service and satisfaction
Multiple discounts and coverage options available
Excellent 4.4 Trustpilot score
Cons
Higher-than-average rates for drivers with traffic violations
Limited number of local offices
Doesn’t offer rideshare insurance
State Farm
In 2022, State Farm was the largest auto insurer for direct premiums written in the United States.[2] It also finished in the top three in most regions in the 2023 J.D. Power U.S. Auto Insurance Study.[1]
| User Reviews | 4.1 |
|---|---|
| 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. | $56/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 |
4.1
Best choiceBased on 12,804 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 (6,584)
Alfonzo
Verified Review
Bad Insurance Experience
Reviewed in West Virginia on December 2025
Not good. I was told that my insurance was going to be $280.00 a month, but it was actually $494.00.
Tracy
Verified Review
Look what Wildbowilly found
Reviewed in Texas on December 2025
I would highly recommend State Farm. The staff at Steelhammer in Victoria, Texas is great. There is none better in the insurance company game. The rates I have received there are very spot on, and I'm really very satisfied. So State Farm, keep up the good work.
Steven
Verified Review
Great Insurance
Reviewed in Minnesota on December 2025
No issues at all.
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 is the largest U.S. auto insurer by market share and has operated for more than 100 years. Available in all 50 states, State Farm stands out for its customer service, extensive discounts, and optional coverages. The insurer ranked fifth for overall customer satisfaction in the 2023 J.D. Power U.S. Auto Claims Satisfaction Study. Safe drivers can enjoy many State Farm discounts, including ones for young motorists who complete an approved driver training course, for having a vehicle with certain safety equipment, and for going three years or longer without violations or at-fault accidents.
Pros
High rates of customer satisfaction
Rideshare insurance available
Savings for bundling auto with home, renters, condo, or life insurance
Cons
No gap insurance offering
May not be the cheapest choice for drivers with violations
Accident forgiveness limited to longtime customers with clean driving records
Amica StreetSmart vs. State Farm Drive Safe & Save
Amica StreetSmart and State Farm Drive Safe & Save are mobile apps that use telematics technology to track a policyholder’s driving. Both programs offer an up-front discount at enrollment, which may increase as the user practices safe and good driving. Amica members can also earn rewards to cash in as gift cards or charity donations.
Neither company will increase your premiums for poor driving recorded by the app.[3]
StreetSmart isn’t available in all states. Drive Safe & Safe is offered in all states except California, Massachusetts, and Rhode Island.[4]
Amica vs. State Farm: Which is the cheapest?
The monthly average rate for a State Farm liability car insurance policy sits at $56, which is significantly lower than an average Amica policy at $279. Your car insurance premium will vary based on factors like your age, gender, location, claims history, and more.
State Farm: Cheapest for drivers with a clean driving record
Among both insurers, State Farm offers lower car insurance rates for people with a clean driving record.
Driver Type | Amica | State Farm |
|---|---|---|
| Clean driving record | $279 | $56 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
State Farm: Cheapest for drivers with a speeding ticket
Moving violations, such as at-fault accidents and speeding tickets, will likely increase your auto insurance rates. State Farm provides the lowest car insurance rates for drivers with a speeding ticket on their record.
Driver Type | Amica | State Farm |
|---|---|---|
| Drivers with a speeding ticket | $403 | $71 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
State Farm: Cheapest for teen drivers
Among all age groups, teen drivers see the highest rates on their auto insurance policies. With the lowest rates for young drivers, State Farm is the go-to insurance company for big savings.
Driver Type | Amica | State Farm |
|---|---|---|
| 18-year-old | $531 | $114 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
State Farm: Cheapest for drivers with bad credit
Drivers with less-than-perfect credit pay more for car insurance coverage. If you have poor credit, State Farm may be a cost-effective option for you.
Driver Type | Amica | State Farm |
|---|---|---|
| Drivers with bad credit | $341 | $90 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
State Farm: Cheapest for senior drivers
Seniors in their 70s may start to see their premiums increase. If you’re a senior driver, State Farm is the budget-friendly choice.
Driver Type | Amica | State Farm |
|---|---|---|
| Senior drivers | $198 | $40 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Compare coverages: Amica vs. State Farm
Both insurance companies offer the state-minimum liability auto insurance, collision, and comprehensive coverage. They also offer medical payments, personal injury protection, and uninsured/underinsured motorist coverage. Amica offers more coverage options than State Farm for added protection.
State Farm and Amica insurance offer the following coverages:[5] [6]
Coverage | Amica | State Farm |
|---|---|---|
| Gap insurance | Yes | No |
| Full glass coverage | Yes | No |
| Roadside assistance | Yes | Yes |
| Rental reimbursement | Yes | Yes |
| Rideshare insurance | Yes | Yes |
| New-car replacement | Yes | No |
| Travel expenses coverage | No | Yes |
Compare discounts: Amica vs. State Farm
Although Amica has higher rates, it offers more savings opportunities, including loyalty and homeowner discounts. The table below illustrates discount options for both car insurance companies.[7] [8]
Discount | Amica | State Farm |
|---|---|---|
| Clean driving record | Yes | Yes |
| Defensive driving course | Yes | Yes |
| Multi-policy | Yes | Yes |
| Multi-car | Yes | Yes |
| Low mileage | No | No |
| Telematics (safe driving app) | Yes | Yes |
| Anti-theft device | Yes | Yes |
| New car | No | No |
| Military/affiliation | No | No |
| Good student | Yes | Yes |
| Loyalty | Yes | No |
| Auto pay | Yes | No |
| Student away at school | Yes | Yes |
| Homeowner | Yes | No |
| Alternative fuel | No | No |
Amica vs. State Farm FAQs
Below, you’ll find answers to some of the most common questions asked about Amica and State Farm insurance.
How good is Amica at paying claims?
Amica offers superior claims handling service, ranking No. 1 in J.D. Power’s 2023 U.S. Auto Insurance Claims Satisfaction survey.[9]
Who is State Farm’s biggest competitor?
Amica is a worthy competitor when it comes to coverage options, customer service, and financial strength ratings. However, its car insurance policies cost significantly more than State Farm’s. Progressive is another competitor with more affordable rates than Amica, ranking second in highest direct written premiums after State Farm.
What is the best alternative to State Farm?
State Farm competitors GEICO, Progressive, and Allstate provide reliable car insurance at affordable rates, but the best car insurance company for you will offer the coverage you need at the best rate. It’s a good idea to compare quotes from different companies to make the most informed decision on your insurance policy.
Is Amica a good auto insurance company?
Yes. Amica ranks highly in customer satisfaction, claims handling, and financial stability. However, its rates are higher than the industry average.
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.
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Sources
- Jdpower.com. "2023 U.S. Auto Insurance Study."
- National Association of Insurance Commissioners. "Property and Casualty Insurance Industry 2022 Top 5 Groups and Companies by Countrywide Premium."
- Amica. "StreetSmart."
- Statefarm.com. "Drive Safe & Save™ – Safe Driver Discounts."
- Amica. "Car Insurance Coverage."
- Statefarm.com. "Car Insurance Coverage Options."
- Amica. "Car Insurance Discounts."
- Statefarm.com. "Auto Insurance Discounts."
- Jdpower.com. "2023 U.S. Auto Claims Satisfaction Study."
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Alani Asis
Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.
Alani has been a contributor at Insurify since January 2023.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
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.
