Ameriprise vs. Amica Car Insurance [2021]

In a comparison of Ameriprise vs. Amica, Amica came out on top. Amica offers more affordable rates than Ameriprise. Amica offers more discounts than Ameriprise. Furthermore, Amica is more well-reviewed by the Better Business Bureau than Ameriprise. Ameriprise and Amica hold an identical Financial Strength Rating from A.M. Best.

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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: May 25, 2021

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Here's what you need to know...

  • More discounts are provided by Amica
  • Amica offers more affordable rates than Ameriprise
  • Amica is more well-reviewed by the Better Business Bureau than Ameriprise
  • Ameriprise and Amica received the same FSR from A.M. Best

Comparing car insurance companies can be overwhelming if only because there are so many of them. For this reason, we will focus on Ameriprise vs. Amica Car Insurance Company today.

In our Ameriprise vs. Amica car insurance review, we will be covering company pricing, discounts, and company ratings.

Prior to diving into our Ameriprise vs. Amica car insurance comparison, type your ZIP code into our free and helpful tool above to find affordable car insurance quotes in your area.

Ameriprise vs. Amica: Which company offers more affordable rates?

When comparing car insurance companies, many people choose to start with pricing. Amica vs. Ameriprise: which car insurance is cheaper?

Average Annual Car Insurance Rates by Company
CompanyAverage Annual Annual Rates
Ameriprise$1,387
Amica$1,071
State Farm$1,340
Progressive$1,365
Esurance$1,165
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Is it easy to find affordable Ameriprise vs. Amica car insurance quotes? As you can see, when it comes to company pricing, Amica handily won.

This is because Amica insurance is not only about $300 cheaper per year than Ameriprise, but about $300 cheaper per year than the rest of the shown competition.

Let’s move on to discounts on Ameriprise vs. Amica car insurance rates and see if Amica can strengthen its lead.

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Which company has better discounts?

When you go about comparing car insurance companies, it is of the utmost importance that you inquire about discount availability. Let’s look at a table that will show us the best discounts available from major insurers.

Car Insurance Discounts Available by Company
CompaniesAdaptive HeadlightsAdaptive Cruise ControlAnti-lock BrakesAnti-TheftDaytime Running LightsElectronic Stability ControlForward Collision WarningGreen VehicleLane Departure WarningNewer VehiclePassive RestraintVIN EtchingVehicle Recovery
21st CenturyN/AN/AYesYesYesN/AN/AYesN/AYesYesN/AYes
AAAN/AN/AYesYesYesN/AN/AN/AN/AYesYesN/AYes
AllstateN/AN/A10%10%2%2%N/A10%N/A30%30%N/A10%
American FamilyN/AN/AYesYesYesYesN/AN/AN/AN/A30%N/AYes
AmeripriseN/AN/A3%3%YesN/AN/AN/AN/AN/A3%N/A5%
AmicaYesN/A5%25%N/A5%8%N/AN/AN/A30%N/A10%
Country FinancialYesN/AYes10%YesYesYesN/AN/A10%YesN/AN/A
EsuranceN/AN/A5%25%YesN/AN/AYesN/AYes33%Yes25%
FarmersYesN/AYesYesYesYesN/A5%N/AYesYesYesYes
GEICON/AN/A5%25%1%N/AN/AN/AN/AYes40%N/A25%
Liberty Mutual5%5%5%20%5%5%5%10%YesN/AYes5%35%
MetLifeYesYes5%10%5%YesYesN/AYesYes5%10%10%
NationwideYesYes5%25%5%YesYesN/AYesYes20%Yes25%
ProgressiveYesYesYesYesYesYesYesN/AYesYesYesYesYes
Safe AutoN/AN/A5%N/A5%N/AN/AN/AN/AYes5%YesYes
SafecoN/AN/AYesYesN/AN/AN/AN/AN/AYes2%YesYes
State FarmN/AN/A5%15%N/AN/AN/AN/AN/A40%40%N/A5%
The GeneralN/AN/A8%8%N/AN/AN/AN/AN/AN/A8%N/A8%
The HanoverN/AN/A5%5%5%N/AN/AN/AN/AN/A5%N/AYes
The Hartford3%N/A3%3%3%N/A3%3%N/A3%3%N/A3%
TravelersN/AN/AYesYesYesN/AN/A10%N/A10%YesYesYes
USAAN/AN/AYesYesYesN/AN/AN/AN/A12%YesYesYes
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As you can see, both companies offer a variety of car insurance discounts. Amica, however, offers two more than Ameriprise insurance.

Amica has an available discount for possessing adaptive headlights, electronic stability control, and a forward collision warning. Many of these are accessible via your Amica login.

Both companies have discounts available for anti-lock brakes, anti-theft devices, daytime running lights, passive restraint, and vehicle recovery.

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Ameriprise vs. Amica: Which company is more well-reviewed?

We will now wrap up with Amica and Ameriprise auto insurance reviews from A.M. Best and the Better Business Bureau (BBB).

The BBB’s rating scale goes from “A+” down to “F”. Ameriprise received a rating of “A-“, but lacks BBB accreditation. How did Amica fare in comparison? Not only did Amica receive an “A+”, but also an accreditation.

A.M. Best’s Financial Strength Rating (FSR) scale ranges from “A++” down to “D.”

Ameriprise received an FSR of “A+.” Did Amica do better again? It turns out both companies are tied for this category.

Should you buy Ameriprise vs. Amica car insurance? Amica won by quite a bit.

Don’t let your comparison stop with Ameriprise vs. Amica, though. Type your ZIP code into our free and helpful tool below.

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