Amica vs. Safeco Car Insurance [2021]

When you compare Amica vs. Safeco car insurance rates, Amica’s tend to be cheaper at an average of $1,385 annually while Safeco’s annual rates are around $1,710. Amica offers more for customers who want to include collision and comprehensive coverage with their car insurance, and both Amica and Safeco car insurance have positive ratings with 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: Aug 5, 2021

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Here's What You Need to Know

  • Amica car insurance rates are $1,385 annually on average
  • Safeco car insurance rates are around $1,710 annually on average
  • Amica offers more car insurance coverage options than Safeco

If you’re considering purchasing car insurance, you may want to compare Amica vs. Safeco car insurance companies.

Amica auto insurance and Safeco insurance company offer car insurance for virtually any driver. Whether you are a young driver, a high-risk driver, or a seasoned driver with a clean driving record, Safeco and Amica car insurance both have coverage options for you.

Before you choose any car insurance company, you should be sure to compare rates to get the best deal. So before you search specifically for affordable Amica vs. Safeco car insurance quotes, you should check for quotes from other companies in your area.

Enter your ZIP code into our free tool above to compare quotes from top car insurance companies near you before you decide to buy Amica or Safeco car insurance.

How much is car insurance with Amica and Safeco?

Amica and Safeco car insurance rates will vary for each policyholder based on a variety of factors, such as a person’s age, gender, driving history, credit history, and much more. But we can look at the average rates to get an idea of what you might be paying.

Amica’s average annual rate for full coverage car insurance is $1,385. This would equate to a monthly rate of around $115.

In contrast, an average annual rate with Safeco is approximately $1,710, or $143 per month. 

While these rates indicate that a policy with Amica would cost a few hundred dollars less per year than one with Safeco, this may not be the case for you. Get a direct quote from each company to learn the rates for your specific situation.

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What types of coverage do Amica and Safeco offer?

Amica offers a vast array of coverage options to policyholders. These coverage options include:

  • Medical payments (MedPay)
  • Personal injury protection (PIP)
  • Bodily injury liability
  • Property damage liability
  • Uninsured/underinsured motorist
  • Collision coverage
  • Comprehensive coverage
  • Roadside assistance
  • Rental reimbursement
  • Accident forgiveness

While Safeco does not offer as many options for car insurance coverage, you will find most of the standard coverage options. Safeco’s coverages include:

  • Bodily injury liability
  • Property damage liability
  • Medical payments (MedPay)
  • Uninsured/underinsured motorist
  • New vehicle replacement
  • Rental reimbursement
  • Roadside assistance

The coverage options with each company are a very important consideration. While Safeco is missing some coverage options — like collision and comprehensive car insurance — both companies do offer roadside assistance.

With roadside assistance, Safeco or Amica towing would be free of charge and you could count on help if your car broke down unexpectedly.

When you’re considering which company to trust for car insurance, you want to make sure you’ll be able to get the kind of protection you need.

Do Amica and Safeco have mobile apps?

Both Amica and Safeco allow policyholders to get quotes, access account information, file claims, and review the status of their claims via mobile apps.

In addition to quotes and claims information, Amica’s app also allows policyholders to request 24-hour roadside assistance. Policyholders may also call a local agent should they choose to do so.

Safeco policyholders must request roadside assistance from an agent, who will likely use Safeco Now to request assistance, as well as manage any claims that go along with it. Policyholders are also welcome to use the Safeco insurance claims phone number to make requests.

Does Amica or Safeco have better financial ratings?

Amica has an A+ (Superior) rating with financial rating company A.M. Best. This means you are in good hands when making a claim with Amica and can count on getting the support you need.

Safeco received an A (Excellent) rating with A.M. Best. So both companies are capable of honoring your business and taking care of your needs, though Amica rates a bit higher.

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Which company is best, Amica or Safeco?

The only way for you to know which company would work best for you is to compare rates and coverages from each. This will ensure you will be happy with the company you choose and will not be in for any surprises.

You should always compare quotes from multiple companies before choosing one to do business with.

Now that you’ve finished this Amica vs. Safeco car insurance review, enter your ZIP code into our free tool below to see car insurance rates from multiple companies in your area.

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