Amica vs State Farm Auto Insurance

Compare car insurance for Amica vs State Farm by looking at rates and ratings. The National Auto Insurance Study rated Amica a 4 out of 5 for overall satisfaction and State Farm a 3 for overall satisfaction.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 8, 2021

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Here's what you need to know...

  • State Farm is a much larger company with more coverage options
  • Amica boasts higher ratings for pricing, billing, and customer experience
  • Both companies offer car insurance coverage to meet customers’ needs


State Farm has been the largest automobile insurance company in the United States since 1942. Amica, on the other hand, is much smaller in size though they offer a wide range of coverage options.

However, the company has earned awards for having the highest customer satisfaction among national auto insurers for the past ten years straight.

Read on to compare Amica and State Farm, and then enter your zip code to receive quotes from multiple insurance companies!

How did Amica begin?

103 years ago, A. T. Vigneron believed that horseless carriages were going to totally change the American way of life. He formed an automobile insurance company in 1907 within Providence, Rhode Island.

In 1994, Amica moved its headquarters to a bigger corporate park close to Lincoln, Rhode Island. From there, they steadily made their move into the world of affordable rates and multiple forms of protection for its customers.

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How Big is Amica?

Amica has 3,000 employees across the United States and has offices in all states except Hawaii.

Its insurance product lines have expanded from exclusively selling auto insurance to currently offering:

  • Automobile
  • Permanent and term life
  • Health
  • Annuity funds
  • Retirement
  • Marine, small to large craft
  • Homeowners
  • Condominiums
  • Renters
  • Umbrella personal liability

When shopping for a cheap insurance quote, finding a company that offers multiple types of coverage can end up saving you money, since you can potentially bundle your policies. One payment versus many is a great for peace of mind comes time to pay bills!

How did State Farm start?

In June of 1922, George Mercherle started State Farm Mutual Automobile insurance company with Minnie Jones and Verna Crusades in Bloomington, Illinois.

The automobile insurance company focused on selling to farmers to provide them with lower rates.

Mercherle’s purpose was to provide farmers with reduced premiums based on the fact that they drove less often than city residents.

There were 125 agents working for State Farm by 1925. Currently, State Farm has 17,627 agents and 343 offices across the United States and in Ontario, Alberta and New Brunswick, Canada. As far as auto insurance coverage is concerned, State Farm is now a widely recognized name, no longer just for farmers.

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Why is State Farm the largest U.S. auto insurer?

State Farm employs 67,029 individuals to service 78.8 million policyholders. Their policies break down into these insurance categories:

  • Auto – $42.4 million
  • Property and Casualty – $27.4 million
  • Life – $7.8 million
  • Health – $1.2 million

State Farm has $3.7 billion in mutual fund assets under their management and 424,914 individual mutual fund accounts. It maintains two million State Farm Bank® accounts in the United States.

State Farm provides about 100 products within several types of insurance and financial services, including:

  • Marine
  • Auto
  • Homeowners
  • Renters
  • Condominium owners
  • Life
  • Annuities
  • Business Property and Casualty
  • Surety & Fidelity Bonds
  • Banking

It can be a little shocking to realize that a company that once could only provide you with an auto insurance policy can now give you life insurance as well, but that’s a sign that a company recognizes the need for growth and choices within the market.

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What does customer satisfaction look like with State Farm and Amica?

Here are J. D. Power & Associates results from homeowner and auto insurance studies. The ratings display Amica first and State Farm second.

National Homeowners Insurance Study:

  1. Overall Satisfaction – Amica N/A, State Farm 3
  2. Policy Offerings – Amica N/A, State Farm 4
  3. Pricing – Amica N/A, State Farm 3
  4. Local Agent – Amica N/A, State Farm 4
  5. Call Center Representative – Amica N/A, State Farm 4
  6. Insurer Website – Amica N/A, State Farm 3

National Auto Insurance Study:

  1. Overall Satisfaction – Amica 4, State Farm 3
  2. Policy Offerings – Amica 3, State Farm 3
  3. Pricing – Amica 4, State Farm 3
  4. Local Agent – Amica N/A, State Farm 3
  5. Call Center Representative – Amica 4, State Farm N/A
  6. Insurer Website – Amica N/A, State Farm 2

State Farm or Amica for Car Insurance?

When deciding between State Farm and Amica for a car insurance policy, it’s important to remember that there are many reasons why you should compare companies, and that there’s a trove of them out there to explore. Make sure that you’re not just looking at price, either. Cheap insurance premiums don’t always provide you with the protection you need. You’ll want to look at what features come with your policy, and get the details of coverage broken down, either by phone or online.

Enter your zip code to compare quotes from multiple companies today!

References:

  1. https://www.amica.com/en.html
  2. https://www.annuityfyi.com/basics/
  3. https://www.statefarm.com/
  4. https://www.statefarm.com/small-business-solutions/insurance/inland-marine-mobile-property
  5. https://www.jdpower.com/ratings/study/U.S.-Household-Insurance-Study-Homeowners-Insurance/652ENG
  6. https://www.jdpower.com/ratings/study/U.S.-Insurance-Shopping-Study/524ENG

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