Amica vs Farmers Car Insurance

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Last Updated: January 2022


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Amica VS Farmers
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User Ratings
OptionsAmica Farmers
251 reviews
506 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAmica Farmers
Call Center RepresentativeAbout average--
Insurer WebsiteAbout averageAbout average
Local AgentAmong the bestAbout average
Overall SatisfactionBetter than mostAbout average
Policy OfferingsBetter than mostAbout average
PricingBetter than mostAbout average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAmica Farmers
Claim ServicingAmong the bestAbout average
Estimation ProcessBetter than mostAbout average
First Notice of Loss (FNOL)Among the bestAbout average
Overall SatisfactionAmong the bestAbout average
Rental ExperienceAbout averageAbout average
Repair ProcessBetter than mostThe rest
SettlementAmong the bestAbout average
J.D. Power Ratings by Region (out of 1000)
RegionAmica Farmers
California--795 pt
The rest
Central--821 pt
About average
Florida--820 pt
About average
Mid-Atlantic--814 pt
The rest
New England879 pt
Among the best
North Central--808 pt
The rest
Northwest--785 pt
The rest
Southwest--797 pt
The rest
Texas--822 pt
About average
Mobile App Ratings
RegionAmica Farmers
361 Reviews
2,565 Reviews
9 Reviews
538 Reviews
Financial Ratings
OptionsAmica Farmers
A.M. BestA+A
Standard & Poor's--A

Auto Insurance Quotes

For Married Drivers

CityAmica Farmers
Santa Monica--$120

For Single Drivers

CityAmica Farmers
Santa Monica--$263

For Male Drivers

CityAmica Farmers
Santa Monica--$269

For Female Drivers

CityAmica Farmers
Santa Monica--$114

For Drivers with Speeding Ticket

CityAmica Farmers
Santa Monica--$302

For Drivers with No Speeding Ticket

CityAmica Farmers
Santa Monica--$168

For Drivers Age Between 18-40

CityAmica Farmers
Santa Monica--$303

For Drivers Age Between 40-65

CityAmica Farmers
Santa Monica--$104

For Drivers Age of 65+

CityAmica Farmers
Santa Monica--$101

For Drivers with Average Credit

CityAmica Farmers
Santa Monica--$149

For Drivers with Fair Credit

CityAmica Farmers
Santa Monica--$134

For Drivers with Good Credit

CityAmica Farmers
Santa Monica--$140

For Drivers with Excellent Credit

CityAmica Farmers
Santa Monica--$343

Quotes & Discounts

Discount typeAmica Farmers
Multiple VehicleUp to 25%Varies
Anti-Theft DeviceUp to 15%Varies
Good StudentUp to 10%Varies
Low MileageUp to 10%--
Multiple PolicyUp to 10%Up to 10%
Student Away at SchoolUp to 10%Varies
Anti-lock BrakeUp to 5%Varies
Accident ForgivenessVaries--
Claims Free RenewalVariesVaries
Defensive DriverVariesVaries
Driving trainingVariesVaries
Electronic Stability ControlVariesVaries
Good DriverVariesVaries
Paid in fullVariesVaries
Paperless documentsVariesVaries
Preferred paymentVariesVaries
Provider SwitchVariesVaries
Affinity group--Varies
Daytime Running Lights--Varies
Driving Habits--Varies
EV/Hybrid--Up to 5%
Early Quote--Varies
Good Payer--Varies
Home Owner--Varies
Mature driver--Varies
On Your Own--Varies
Passive Restraint--Varies
Professional organization--Varies
Senior Adult--Varies
VIN Etching--Varies
Youth Driving--Varies

Payment Methods

Discount typeAmica Farmers
Automatic Online Payment
Bank Payment/Direct Deposit yes--
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
In Person Payment
Mail Payment
Mobile App Payments
Multi-Payment Installment Plans
Online Payment
Phone Payment

Features and Services

Features and ServicesAmica Farmers
24/7 serviceyes--
Accident forgivenessyesyes
Diminishing deductibleyes--
Enhanced towing & substitute coverageyes--
Flexible / convenient paymentsyesyes
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyesyes
Text and email alertsyes--

Optional Coverages

Optional CoveragesAmica Farmers
Accident Forgiveness
Accidental Death, Dismemberment, Disability
Airbag Replacement Coverage
Antique or Collector Car Insurance
Comprehensive Claim Forgiveness
Electronic Key & Lock Replacement
Emergency Lockout Coverage
Glass Coverage yesyes
Incident Forgiveness
Loss of Use Coverage
New Car Replacement Coverage
No Fault Coverage
Original Equipment Manufacturer Coverage
Personal/Upgraded Item Coverage
Platinum Choice Auto
Rental Reimbursement
Ridesharing Coverage
Roadside Assistance
Small Claim Forgiveness
Umbrella Policy
Vanishing Deductible

Online Quoting by State

  • Amica
  • Farmers
  • Both

Uber and Lyft driver insurance

  • Amica
  • Farmers
  • Both

SR‌-22 Insurance by State

  • Amica
  • Farmers
  • Both

Compare Insurance Products

ProductAmica Farmers
Car InsuranceCar Insuranceyesyes
Business InsuranceBusiness Insurance--yes
Classic Car InsuranceClassic Car Insurance--yes
Condo InsuranceCondo Insuranceyesyes
Earthquake InsuranceEarthquake Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyesyes
Marine InsuranceMarine Insuranceyes--
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insuranceyesyes
Pet InsurancePet Insurance--yes
Recreational InsuranceRecreational Insurance--yes
Renters InsuranceRenters Insuranceyesyes
Small Business InsuranceSmall Business Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • Amica Reviews
  • Farmers Reviews
5 Stars
57 %
4 Stars
6 %
3 Stars
7 %
2 Stars
4 %
1 Star
26 %

Most Positive Review

By Billy
I've NEVER NEVER EVER HAD NO BAD EXPERIENCE WITH ( AMICA ) They've always been kind with the local office an the outside customer service operators when I've ever had a question about my policy. I'm not really looking to change to somewhere else. I do get curious at times just to see if anyone else is cheaper than Amica, so far no one else has been able to beat Amica so I'm sticking with Amica. Thank You For Having the Best an Greatest Coverage on my vehicle an home. Keep up the GREAT WORK :)

Most Critical Review

By Lauren
If I could give zero stars, I would. We spoke with a representative [Michael Young] and he got us set up for a policy on a house we're planning to close on. We waited for confirmation on the policy, and waited, and waited. As the closing date approached, we received a call from him saying to give him a call back, no big deal. We did, no return call. Tried multiple times over the next four days. Nothing. Sent emails, called again. Find out through another call [again still can't get a hold of Michael] that they just need confirmation that we'll handle a small bit of left over mold [which our inspector said was not a problem] withing 30 days of closing. Sure thing! We'll handle that. Meanwhile, our loan officer is trying to get a hold of them as well to finalize details. Finally get a call TWO DAYS before closing to hear they will not be able to insure us. Thanks AMICA for making home buying so stressful! We'll be sure to let everyone know how "helpful" you are.

All Reviews

Showing 1 - 10 out of 251 Reviews
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The service
To get a cheaper rate.
Good company ! I was a customer of Amica for 10 + years. I had both auto and home insurance with them. They always always great! Very professional ! Good service
Bought a house last year in Wilmington, NC and insured it with Amica as they had the best premium price for my older home. Hurricane Florence rolled through last fall and now they are trying up my premiums by more than 50% because I made a legitimate claim. Basically they are more or less trying to drop me for fulfilling their obligations. Other people in the area who made claims are experiencing only very minor increases in their insurance rates, or none at all.
Frank T
5 renewal Policies where cancel because over the years the cost increased so much and I had no claims it force me to go out and get it quoted what a surprise I got, I been getting screwed badly, I spoke with Amica 3 times on the phone, cancelation letters were mailed from the new insurance company, I know Amica got the cancelation letters because they called me 3 times to letting me know that after the current Policies expired I was not going to be covered with Amica. The day after the 5 Policies expired my checking account was charger, I never signed the renewals they got cancelation letters and still got withdraw from my account, when I called they confirm everything was canceled and they would mail me a check, this is not acceptable first the withdrawal should of never happen and now I have to wait for a check to be mailed and waste time cashing a check. Let’s hope next month I don’t get charged again. Is unbelievable how fast they can take money out of your account but to pay you back you need to wait.
Never told you would not renew his insurance
Christian L
Amica used to be good but as of late they are absolutely horrific. Their insurance agents go back on what they say, making changes without informing both parties on the account of the changes like they say they have to. Going through a divorce is stressful enough but having Amica make up rules as they go along doesn't make things easier or any less stressful. No matter what information they were given they went against it 100% and never actually contacted me when changes were made by my exwife. Now, they are claiming that they had consent to make said changes. From who? My exwife made all the changes without my consent. After speaking with a ********* of a representative, I asked to speak to a manager. They are all at lunch yet supposedly their lunches are staggered so there is always a manager free. Absolutely awful company that leaves a very sour taste in your mouth. If you want to get screwed over by a car insurance company (more so than other insurance companies), go with Amica. If you want someone honest, go somewhere else don't waste your time. I will NEVER go back to Amica. They are absolutely horrible.
Showing 1 - 10 out of 251 reviews


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With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.