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Allstate and Amica are national insurance companies offering standard and specialty auto insurance policies. Allstate is a well-known insurance company available in all 50 states. Amica is a mutual insurance company that provides both traditional policies and dividend policies, which means you may receive a portion of your premium back as a dividend.
Amica's car insurance is available in every state except Hawaii. However, it offers other types of insurance in the Aloha State, such as pet and motorcycle policies. You also can't get an Amica car insurance quote online in Louisiana, so you must contact an agent.
Allstate is generally cheaper, but it has more customer complaints than Amica. Allstate also typically offers more policy options and add-ons, such as paint and fabric protection and tire and wheel coverage.
When comparing Allstate vs. Amica, I believe Allstate is the better choice for most people, especially if your main concerns are price and availability.
How we evaluate products
FinanceBuzz researches a number of factors in each auto insurance provider to create our reviews. These factors include cost and discounts, complaints and customer satisfaction, coverage, and ease of use. We also gather information from sources such as Insurify, J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC), and the Better Business Bureau (BBB) to ensure we provide the most useful information to our readers.
Allstate pros and cons
- Offers a wide range of coverage options, including specialty policies not found at other insurance companies
- May be cheaper than some other carriers, depending on your situation
- Has a roadside assistance program with annual membership, pay-per-use, and policy add-on options
- Ranked below average in the 2024 J.D. Power Claims Satisfaction Study
- May not offer all coverage options in your area
- Risky drivers may see higher rates with Allstate's Drivewise program
Learn more in our Allstate review
Amica pros and cons
- Has a large variety of coverage options, including auto glass replacement
- Earned a high rating in the 2024 J.D. Power Claims Satisfaction Study
- May pay you dividends, depending on your policy
- Can have more expensive coverage in some areas
- Doesn't offer auto policies in Hawaii and requires calling to get a quote in Louisiana
- Potentially limited rideshare coverage, depending on your state
Learn more in our Amica review
Which company is better?
| Allstate | Amica | |
| AM Best | A+ (Superior) | A+ (Superior) |
| J.D. Power claims satisfaction | 691/1,000 (15th place) | 746/1,000 (2nd place) |
| BBB | A+ (Not Accredited) | A+ (Accredited) |
| NAIC complaints | 50.00 (more than expected) | 0.57 (fewer than expected) |
Amica and Allstate both have A+ (Superior) financial ratings from AM Best, a company that rates the financial strength of insurance companies. This gives some reassurance that both insurers have the ability to pay future claims. They also both have A+ ratings with the BBB, but Allstate isn't currently accredited.
Amica had a 2024 NAIC complaint index of 0.57 for private passenger auto policies. A score of 1 is considered average, so 0.57 means it had fewer claims than expected. On the other hand, Allstate had an NAIC complaint index of 50.00 for private passenger auto policies, meaning it had 50 times the number of complaints expected of a company its size.
Additionally, in the 2024 J.D. Power U.S. Auto Insurance Study, Amica earned the highest ranking in the Northeast region but didn't rank in the surveys for other regions. Allstate generally earned slightly below-average customer satisfaction rankings overall but had above-average rankings in Florida and Texas. Amica also ranked second for claims satisfaction compared to Allstate's 15th place, indicating a better claim-handling experience for Amica policyholders.
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Which company is cheaper?
If you're looking for the cheapest car insurance, Allstate is generally the better option. However, since the amount you pay for car insurance depends on multiple factors — including your age, gender, location, driving record, and credit score — you might find comparable rates with each company or cheaper coverage with another company.
| Driver type | Allstate liability-only monthly premium | Allstate full coverage monthly premium |
| Clean driving record | $60 | $128 |
| Speeding ticket on driving record | $73 | $154 |
| At-fault accident on driving record | $77 | $162 |
| DUI on driving record | $98 | $208 |
| Teen driver | $118 | $251 |
| Senior driver | $45 | $95 |
| Data sourced from Insurify | ||
Compare Allstate's rates to the Amica averages below.
| Driver type | Amica liability-only monthly premium | Amica full-coverage monthly premium |
| Clean driving record | $146 | $269 |
| Speeding ticket on driving record | $216 | $399 |
| At-fault accident on driving record | $227 | $419 |
| DUI on driving record | $211 | $389 |
| Teen driver | $204 | $377 |
| Senior driver (60s) | $107 | $197 |
| Senior driver (70s) | $107 | $198 |
| Data sourced from Insurify | ||
Clean driving record
If you're looking for ways to save money on car insurance, Allstate is usually cheaper than Amica for those with a clean driving record. Allstate drivers who don't have tickets or accidents can expect to pay about $59 monthly for liability-only coverage and $128 monthly for full coverage car insurance. Comparatively, Amica's customers pay an average of $269 monthly for full coverage and $146 for liability-only coverage.
Average rate:
Speeding ticket on driving record
Drivers with speeding tickets will likely find better rates with Allstate, although your mileage may vary. Allstate drivers with a ticket generally pay an average of $73 per month for liability insurance after a speeding ticket. Amica charges an average of $214 monthly, a $141 difference. Plus, full coverage averages $157 per month with Allstate versus $388 with Amica.
At-fault accident on driving record
Although Amica is a solid insurance company, you may want to look elsewhere if you have an accident on your driving record. Amica's liability-only insurance costs an average of $227 a month after an at-fault accident, compared to Allstate's $77. If you want full coverage after an accident, you'll pay an average of $413 per month with Amica, compared to $162 with Allstate.
DUI on driving record
If you have a DUI, be prepared to pay significantly more for car insurance, no matter which company you choose. Allstate charges drivers with a DUI an average of $208 per month for full coverage while Amica charges an average of $373 per month. If you only need liability coverage, Allstate charges $98 monthly while Amica charges $205.
Teen driver
Younger drivers typically pay more for car insurance, partly because they have less experience behind the wheel. Teen drivers with Allstate pay an average of $251 a month for full coverage car insurance and $118 for liability coverage. Teen drivers with Amica pay an average of $368 for full coverage and $202 for liability coverage.
Senior driver
Older adult drivers generally pay less for car insurance than younger drivers. Allstate customers in their 50s typically pay an average of $51 per month for liability-only coverage while those in their 70s pay around $45 per month. Comparatively, drivers who use Amica pay an average of $116 a month in their 50s and $108 monthly in their 70s for similar coverage.
Discounts
Discounts can help you save a significant amount on car insurance. While some insurance companies offer only a few savings opportunities, Allstate and Amica both provide a long list.
Amica, for example, offers a discount if you are claim-free for three or more years. It also offers up to 20% off your premium if you enroll in StreetSmart, a safe driving program that uses a mobile app to monitor your driving habits.
While Allstate offers similar discounts, it doesn't have a loyalty discount or one for taking a defensive driving course.
| Discount | Does Allstate have it? | Does Amica have it? |
| Loyalty | No | Yes |
| Multi-policy/bundling | Yes | Yes |
| Multiple vehicle | No | Yes |
| Airbag | No | Yes |
| Anti-lock brakes | Yes | No |
| Anti-theft | Yes | Yes |
| Safe driver | Yes | Yes |
| Good student | Yes | Yes |
| Away-from-home student | Yes | Yes |
| New car | Yes | No |
| Pay in full | Yes | Yes |
| Automatic payments | Yes | Yes |
| GAP insurance | No | No |
| Senior | No | No |
| Military | No | No |
| Defensive driving course | No | Yes |
Driverwise vs. StreetSmart
One of the best ways to lower your car insurance rate is to be a safe driver. Allstate and Amica both offer usage-based car insurance that can help you save more if you allow the insurance company to monitor your driving habits through a mobile app.
Drivewise
Allstate's Drivewise program is optional, but it can help you save money if you're a safe driver and can take at least 50 trips before renewing your policy. Through the Drivewise app, Allstate will give you a driving score based on your driving habits, which might help you save money. However, risky drivers may see their rates increase if they use the program.
StreetSmart
Amica's StreetSmart also monitors your driving habits through an app. Amica will provide a discount just for participating in the program for the first time, and you can earn additional discounts at policy renewal for being a safe driver. Plus, enrolled drivers can earn points towards e-gift cards at stores like Best Buy, Sephora, or Target. Using StreetSmart doesn't affect your rates but may impact the discount you qualify for.
Coverage
Although Allstate and Amica offer many of the same standard and specialty policies, they differ in some options.
Both companies offer traditional coverage options like:
- Collision
- Comprehensive
- Liability
- Medical payments
- Uninsured and underinsured motorist
- Roadside assistance
- Guaranteed asset protection (GAP)
- Personal injury protection (PIP)
- Personal umbrella policy
- Rental reimbursement
- Glass coverage
- Rideshare insurance
- Motorcycle insurance
However, Allstate offers more add-on policies, such as:
- Excessive wear and tear on leased vehicles
- Tire and wheel protection
- Complete protection, including lost key fobs, dings and dents, and other optional coverages
- Extended vehicle care after your manufacturer's warranty ends
FAQs
How do I contact Allstate?
You can contact Allstate customer support 24/7 through its website chatbot or mobile app. You can also call Allstate at 800-726-6033, send an email through its website, use the X platform, or reach out to an agent directly.
How do I contact Amica?
Amica customer service is available by phone at 800-242-6422, via email, or through a live chat with a customer service representative. Hours of operation are Monday through Friday from 6 a.m. to 12 a.m. ET and Saturday and Sunday from 7 a.m. to 12 a.m. ET.
Is Allstate the most expensive insurance?
Allstate usually isn't the most expensive insurance. Many insurance carriers, including Amica, offer more expensive coverage. However, the amount you pay for car insurance depends on several factors and your specific situation, so it's best to get and compare quotes from multiple companies.
How are Amica and Allstate different?
Allstate is generally cheaper and has more policy options than Amica. While both companies offer discounts, Amica typically provides more savings opportunities. Amica also has better customer service ratings and fewer complaints than Allstate, although both have earned an A+ rating from the BBB and A.M. Best.
Bottom line
Both Allstate and Amica are reputable car insurance companies that offer standard and specialty coverage offerings. Although Allstate is generally cheaper, it has received lower customer satisfaction scores and a higher number of customer complaints. Amica is generally more expensive, but it has better customer service and more discount options.
As you research the best car insurance, pay attention to customer complaints, rankings, and the available policy types and amounts. You should also get at least three quotes to ensure you get the best price. Taking these steps can help you ensure you have the best coverage when you really need it.
Average rate:
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