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Choosing a car insurance provider can be challenging. If you're considering Amica, reviewing its rates carefully will help you decide if it's the right fit. However, we recommend comparing quotes from several providers to ensure you're getting the best value and saving money on your car insurance.
Amica car insurance pricing per month
Full-coverage car insurance from Amica costs an average of $458 per month. Drivers who choose minimum liability-only coverage pay an average of $292.
Keep in mind these are average prices. Your individual rate will depend on factors like age, location, credit score, and driving history. While your actual Amica rate may be different, these averages provide a useful benchmark for comparing providers.
| Amica average monthly cost | National average monthly cost | |
| Full coverage | $458 | $186 |
| Liability-only | $292 | $104 |
Amica's rates versus other car insurance providers
Each company evaluates risk and applies discounts differently, which can affect pricing. Comparing quotes will show you how Amica measures up for your particular situation.
| Provider | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $114 | $59 |
| Progressive | $182 | $106 |
| GEICO | $148 | $95 |
| Allstate | $148 | $79 |
| USAA | $105 | $56 |
| Amica | $458 | $292 |
Amica's rates by age
Age is a major pricing factor for Amica, as it is for most insurers. Car insurance for teen drivers comes with the highest cost, averaging around $871 per month for full coverage.
Rates tend to decrease as you enter your 20s, with Amica averaging $601. This downward trend continues through your 30s at an average of $453 and your 40s at $446.
The lowest rates often occur during your 50s and 60s, with monthly averages of approximately $384 and $325, respectively.
Premiums may increase again in your 70s, averaging near $336 per month. These patterns show how insurers evaluate risk throughout different life stages.
| Age group | Amica average monthly full coverage cost | National average monthly cost |
| Teens | $871 | $360 |
| 20s | $601 | $242 |
| 30s | $453 | $199 |
| 40s | $446 | $191 |
| 50s | $384 | $177 |
| 60s | $325 | $159 |
| 70s | $336 | $162 |
Amica's rates for high-risk drivers
A record of traffic violations or accidents will typically result in higher car insurance rates with Amica. High-risk drivers with a speeding ticket can expect to pay an average of $661 per month. Those with an at-fault accident face monthly rates around $616.
DUI violations result in significantly higher premiums, with monthly costs averaging about $698. While these numbers reflect typical high-risk driver pricing, your actual rate depends on the recency of the incident and other factors.
| Driving record | Amica average monthly full coverage cost | National average monthly cost |
| Accident | $616 | $249 |
| Speeding ticket | $661 | $241 |
| DUI | $698 | $275 |
How does your credit score affect your rate with Amica?
Your credit score factors into insurance rate calculations in all but four states. California, Hawaii, Massachusetts, and Michigan are the exceptions.
Where credit matters, Amica adjusts pricing according to your credit tier. Excellent credit holders pay an average of $372 per month. Good credit results in slightly higher rates at approximately $444.
Monthly premiums for average credit scores typically fall near $427. Poor credit leads to costs closer to $560 per month on average.
These figures demonstrate credit's impact on monthly premiums, though your exact rate will also reflect other personal factors.
| Credit score | Amica average monthly cost of full coverage | National average monthly cost |
| Excellent | $372 | $164 |
| Good | $444 | $179 |
| Average | $427 | $194 |
| Poor | $560 | $228 |
FAQs
Why did Amica switch to six-month policy terms?
Amica transitioned from 12-month to six-month policy terms in most states to adapt more quickly to changing market conditions and provide customers with more current pricing. This change allows Amica to offer more frequent opportunities for policyholders to qualify for the paid-in-full discount, potentially resulting in savings. However, shorter policy terms could mean rates are adjusted more frequently, so customers might see premium changes twice yearly instead of annually.
Does Amica offer dividend policies for auto insurance?
Amica uniquely offers dividend policies as an alternative to traditional auto insurance. These special policies may pay back 5-20% of your annual premium if certain financial conditions are met, though dividend policies typically come with higher initial premiums.
Can I bundle my Amica auto insurance with other policies?
Amica provides substantial bundling discounts when you combine auto insurance with home, condo, renters, life, or umbrella policies, potentially saving up to 30% on your premiums.
Bottom line
Is Amica the right car insurance company for you? Getting quotes from Amica and other providers, then comparing them on price and service, is the best way to decide.
Data throughout provided by Insurify.
Average rate:
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