Amica vs USAA Car Insurance

Compare car insurance for Amica vs USAA by looking at rates and ratings. Both Amica and USAA received superior ratings from AM Best and offer competitive rates with a variety of coverage options.

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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: Jan 26, 2021

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Here's what you need to know...

  • Amica and USAA both offer competitive rates and a variety of coverage options
  • Amica is available to any U.S. citizen
  • USAA offers lower premiums and a simplified claims processing experience

It is sometimes difficult to figure out which insurance company would be the best fit for your needs. This auto insurance comparison should help you make a decision between Amica and USAA.

After you’ve read it, be sure to use the free tool on this page for a personalized car insurance comparison with many different car insurance companies!

Amica Advantages

One of the top insurance business analysts, A.M. Best Company, consistently lists Amica as a superior company with an A++ rating.

One of the main reasons that A.M. Best gave Amica this ranking is because Amica has continuously shown a firm capability to fulfill all their responsibilities to their policyholders. It has excelled in these consumer areas:

It has excelled in these consumer areas:

  • Insurance claims paid quickly
  • Insurance rates are kept low
  • Service is offered across the United States (excluding Hawaii)
  • Insurance premium payments are free online and by phone

The Better Business Bureau (BBB) gives Amica an A+ rating on an A+ to F scale.

Amica has been in business since 1907 in Lincoln, Rhode Island.

Amica has over 3,000 employees and 39 U.S. agent offices nationwide. There are not any shareholders because it’s entirely owned by the policyholders.

Amica also maintains a high rating in J.D. Power & Associates. It offers home, car, individual liability umbrella, life and marine insurance.

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Amica Disadvantages


  • Amica is regarded by some as a 2nd tier auto insurance company because it does not give its policyholders the individual attention that other bigger insurance auto insurers with agents in almost every town can provide.
  • Non-personal attention does allow Amica to charge lower rates, although it can risk lowering their customer service satisfaction.
  • Customers may not find an office close to their home.
  • The monthly payment option costs $2 every month.

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USAA Advantages

USAA insurance is a long-established company that was formed by 25 army officers in San Antonio, Texas, in 1922.

Their purpose was to provide insurance for one another’s cars and personal trucks. USAA has expanded up to 7.2 million policyholders. It is the only unified finance service business in the United States.

Business Week Magazine rated USAA number 1 in their “Customer Service Champs” list from 2007.

USAA ranked first out of 25 U.S. businesses including Lexus and Four Seasons Hotels.

USAA achieved the same rating in Business Week’s March 3rd, 2008 issue.

USAA Insurance Policy Benefits

  • Policyholders receive prompt and helpful service.
  • Claims are processed without undue delays or harassment.
  • The premiums have low rates
  • No shareholders. The profits are returned to members or used for USAA’s financial stability.
  • USAA offers many types of insurance, personal banking, and investment services.

USAA’s financial stability has been rated exceptional by Moody Investor’s Service, extremely strong by Standard & Poor’s and superior by A.M. Best company.

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USAA Disadvantages


  • USAA is only available to military personnel and their families.
  • USAA members do not offer personalized services that many bigger companies may offer.

Discounted Auto Insurance

USAA and Amica auto Insurance often provide drivers that have a less-than-perfect record with discounted automobile policies online or by phone. Both Amica and USAA offer many different types of car insurance discounts.

Comparing Amica and USAA Car Insurance Quotes

One of the best ways to do a true comparison of USAA and Amica is to compare personalized quotes.

Use our free tool to compare quotes from many different companies and see which company is the best for you. Get started finding the best car insurance coverage now!

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