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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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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...

  • 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 because there’s such a wide range to choose from. This auto insurance comparison should at least help you make a decision between Amica and USAA. Getting insurance quotes will more than likely save you money, just because you’ll be able to find a policy that’s right for you, rather than going with a made-for-everyone sort of standard coverage.

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!

What are the advantages to Amica?

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. For families, this can be a big win, since you can cover more of your life in one stop.

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What are some of Amica’s disadvantages?

  • Amica is regarded by some as a second tier auto insurance company because it does not give its policy holders 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

When someone is in the market for a new insurance provider, sometimes being able to talk with someone easily, or use their online services without getting a headache, can make or break a decision.

Does USAA come with any 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 one in their “Customer Service Champs” list from 2007. Since consumer reports and reviews can have a large impact on a business, this is good news for the shopper who likes a high level of satisfaction when dealing with customer service.

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.

What are the benefits of a USAA insurance policy?

  • 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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What are some disadvantages to USAA?

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

Can you get 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.

How can you compare USAA and Amica insurance products?

The insurance industry can seem intimidating if you’ve never had to shop around. One of the best ways to do a true comparison of USAA and Amica is to compare personalized quotes. There are different coverage amounts, and each person’s need varies, so you need to find what will suit your profile of life.

Use our free tool to compare quotes from the wide variety of different companies that are out there, and see which company is the best for you. Get started finding the best car insurance coverage now!

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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