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Compare Amica vs. State Farm Car Insurance

What’s the difference between Amica Auto Insurance and State Farm Car Insurance? See how our editors compare the two companies below.
Last Updated: April 27, 2024
Amica Auto Insurance
4.7 / 5 - Excellent
#7 in Car Insurance
State Farm Car Insurance
4.3 / 5 - Excellent
no_rank
vs

Key Facts

  • Rated one of 'America's Best Insurance Companies' of 2024 by Forbes.
  • Switch to Amica for reliable coverage, hassle-free claims and exceptional customer care.
  • Get up to 25% off when you insure more than one vehicle.
  • Experience the Amica difference. Get your auto quote today.
  • Strong financial ratings
  • Good variety of discount options
  • Large number of local agents
  • Classic cars, motorcycle, and recreation vehicle insurance
  • Great coverage options
  • 24/7 claims reporting
  • Roadside assistance

OVERALL RATINGS

 AmicaState Farm
Coverage5.0/54.5/5
Financial Strength4.5/54.5/5
Supplemental Coverage5.0/50.0/5
Pricing & Discounts5.0/54.5/5
Claims Satisfaction & Customer Experience5.0/54.5/5
Automation5.0/54.5/5

Coverage Compared

Basic Coverage

Amica
vs
State Farm
  • Bodily Injury Liability
  • Property Damage Liability
  • Personal Injury
  • Medical Payments
  • Uninsured/Underinsured Motorist
  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Medical Payments
  • Uninsured/Underinsured Motorist

Additional Coverage

Amica
vs
State Farm
  • Rental Reimbursement
  • Towing & Labor Cost
  • Glass
  • Rental Reimbursement
  • Towing & Labor Cost

Coverage Fine Print

Vehicle Coverage: Collision, Roadside Assistance, Rental Reimbursement, Comprehensive (OTC), Glass Coverage. Covers Uninsured/Underinsured Motorist Property and Bodily Injury.
Mobile App 24/7 Claims Processing

What do their customers think?

National Association of Insurance Commissioners

 Amica State Farm
NAIC Complaint Ratio
0.0
2.58
NAIC Total Complaints 2020
0
9,444

Customer Ratings

 Amica State Farm
Trust Pilot Rating
7.4 out of 10
7.5 out of 10
BBB Rating
A+
Date Collected
2018-09-07
2017-10-10
*The NAIC Car Insurance complaint ratio (in this case 0.0) compares a company’s performance to other companies in the market. The median complaint ratio across all car insurance companies is 1. A score below 1 means the company received fewer than the expected number of complaints. A score above 1 means the company received a more than the expected number of complaints.
*The NAIC Car Insurance complaint ratio (in this case 2.58) compares a company’s performance to other companies in the market. The median complaint ratio across all car insurance companies is 1. A score below 1 means the company received fewer than the expected number of complaints. A score above 1 means the company received a more than the expected number of complaints.

Comparing Financial Stregnth

Key Details

 Amica State Farm
Underwriter
Amica Mutual Insurance Company
State Farm Mutual Automobile Insurance Company
Premiums Written 2020
$2
$39,194,660,434
Marketshare
0.36%
18.3%
AM Best Financial Rating
A+
A++
*The above information reflects the financial strength of the underwriter of the Amica car insurance policies: Amica Mutual Insurance Company.
*The above information reflects the financial strength of the underwriter of the State Farm car insurance policies: State Farm Mutual Automobile Insurance Company.

Pricing & Discounts

 Amica State Farm
Per Mile Pricing Available?

Discounts

Amica
vs
State Farm
  • Multiple Vehicle
  • Anti-Theft
  • Student
  • Bundled Policy
  • Multiple Vehicle
  • Safe Driver
  • Anti-Theft
  • Vehicle Safety
  • Homeowner
  • Student
  • Bundled Policy

Additional Discounts

Amica
vs
State Farm
  • Full/Automatic Payment

Discounts Fine Print

Passive restraint, adaptive headlight, electronic stability, forward-collision warning, defensive driver training, driver training, student away at school, loyalty, claim-free, home ownership, e-discount, multi-line, legacy (family).
Defensive Driving Course Discount - Customers in specific areas may qualify for an additional discount by taking a driver safety course.

Driver Training Discount - Offers a discount for vehicle operators under the age of 21 who complete an approved driver education course.

Passive Restraint Discount - 1993 and older vehicles equipped with a factory-installed air bag or other passive restraint systems can receive a discount up to 40% on medical-related coverage.

Contact & Additional Information

 Amica State Farm
Homepage URL
Company Phone
(800) 242-6422
(800) 782-8332
Headquarters Address
100 Amica Way, Lincoln, RI, 02865
One State Farm Plaza, Bloomington, IL, 61710
Year Founded
1907
1922

Final Verdict

Amica Auto Insurance has a higher overall rating than State Farm Car Insurance. Amica scores better than State Farm across: Coverage, Supplemental Coverage, Pricing & Discounts, Claims Satisfaction & Customer Experience, and Automation. Both companies score similarly on Financial Strength.


Customer Comments & Reviews

E
erlinda h
1/13/2020
State Farm Car Insurance review
Angel Hall state farm ins agency/Palm coast Florida....Brianna took all the informations from me for Auto and Homeowners policies! She was very friendly,,efficient and pleasant.. Although my coverage is not in effect yet,I feel that I would like the services of this agency! It's so close to home but first and foremost Ifeel very welcomed and important! Thank you ERLINDA HOUSE


Starling B
3/23/2019
State Farm Car Insurance review
I have been a happy State Farm customer since 2001 (18 yrs). While rates fluctuate, we've never strayed. I have shopped on more than one occasion, but never made a switch. My agent and staff know me and are always responsive and helpful. I was a bit frustrated a few years back when my daughter was in a very minor accident and State Farm just paid the claim to a fraud without any questions. Our rates went up just a bit, but that was to be expected. Overall, I am very happy and have no plans to change!


Kiersten M
1/15/2019
State Farm Car Insurance review
Been insured with State Farm for over 27 years on homes and autos. I moved from Indiana to Florida almost 3 yrs ago...my rates have increased 5-10% every 6 months since moving to Florida, whereas I barely had even a $3 increase each YEAR, if any at all on the same vehicle, while living in Indiana. I believe agents, and their greediness, have A LOT to do with any insurance experience. I used the roadside assistance coverage for the first time in those 27 yrs and the experience was painless...I’ll never change another tire myself again, as the cost of coverage is pennies!


G
Golda Y
7/18/2018
State Farm Car Insurance review
We have had State Farm bundling everything since we were married 50 years ago. I think this insurance is as good as your agent. A good agent is an advocate for the client. I have never seen my current agent but she had a very competent & customer savvy front person. Since that person left after about 10 years, I am very disappointed. Nobody reviews my insurance or finds the discounts for us. I have to initiate and even when they are applied the rates still increase. I am thinking of looking at Shelter Insurance where the girl who was so customer friendly went. How often are the agents claiming credit that their staff deserves?