Amica vs. The General Car Insurance [2021]

If you are comparing Amica vs. The General car insurance companies, you’ll find that Amica tends to have lower rates and more coverage options than The General. The General does include liability, collision, and comprehensive coverage while being willing to insure high-risk drivers with poor driving records. Amica has an A+ rating with A.M. Best while The General has an A- rating.

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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: Jul 23, 2021

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Here's What You Need to Know

  • Compared to The General, Amica’s car insurance rates are a bit lower
  • The General does not offer as many coverage options to clients but does insure high-risk drivers more frequently
  • Both Amica and The General have positive reviews with A.M. Best

If you are comparing car insurance companies to find your best option, you should consider comparing Amica vs. The General auto insurance.

Amica and The General car insurance companies are both quite well known, and they offer many coverages and services to their policyholders. With Amica and The General insurance, you can purchase car insurance—like liability car insurance—among other insurance products.

Before you decide to buy Amica or The General car insurance, you should always compare car insurance quotes from multiple companies to be sure you find exactly what you need.

You can use our free tool above to compare car insurance quotes from multiple companies before reading more about how Amica vs. The General car insurance stack up.

How much are Amica and The General car insurance rates?

Let’s take a look at some samples of Amica vs. The General car insurance quotes.

Annual rates for full coverage with Amica car insurance is typically around $1,385. This number varies based on a variety of factors including a person’s age, gender, driving history, credit history, and more.

Rates with The General are often more than those with Amica, with a standard annual rate of around $1,752.

Both Amica and The General car insurance quotes are subject to change. Your best bet is to get a quote with your own unique information to be sure you know exactly how much you would be paying for car insurance coverage.

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Is The General just for high-risk drivers?

All types of drivers are able to find a car insurance policy with The General. You do not need to be a high-risk driver to be with the company. There is also a good chance that you will be able to get cheaper rates with The General if you have a clean driving record.

The General is often associated with high-risk drivers, and the company does pride itself on making car insurance available to drivers with a poor driving history.

Be aware that, while The General may offer you car insurance coverage as a high-risk driver, you will likely not be able to count on cheap premiums. If you have a less-than-perfect driving record, you can expect to pay more for your car insurance.

What types of coverage do Amica and The General offer?

Amica and The General offer a substantial number of coverage options to  policyholders. The coverage options for each company are as follows:

Amica vs. The General Car Insurance Coverage Options
Amica Coverage OptionsThe General Coverage Options
Accident ForgivenessLiability Coverage
Bodily Injury LiabilityMedical Payments (MedPay)
Collision CoverageUnderinsured Motorist Coverage (UI/UIM)
Comprehensive CoverageComprehensive Coverage
Full Glass CoverageCollision Coverage
Gap CoverageRental Car Reimbursement
Liability Coverage
Medical Payments
(MedPay)
Personal Injury Protection (PIP)
Platinum Choice Auto
Property Damage
Rental Reimbursement
Roadside Assistance
Uninsured and Underinsured Motorist Coverage (UI/UIM)
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As you can see, Amica offers a bit more by way of coverage than The General, but both companies have plenty of options to consider as you search for the perfect car insurance company.

Which company has better ratings, Amica or The General?

When it comes to ratings and reviews, Amica and The General both garner some pretty impressive results.

Amica car insurance reviews tend to be fairly positive, and the company has received an A+ (superior) rating with A.M. Best. Likewise, The General has earned an A- (excellent) rating with A.M. Best. While this rating is a bit lower than Amica’s, it is still quite respectable.

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Should I go with Amica or The General?

If you are looking for more coverage options with the opportunity to pay less for car insurance coverage, you may want to go with Amica for your car insurance needs.

However, if you are a new, young, or high-risk driver looking for car insurance coverage, you may have better luck with The General.

Before you commit to Amica or The General car insurance rates, you should be sure to search for car insurance quotes from multiple companies to compare and find the best rates for you.

In fact, now that you’ve read more on affordable Amica vs. The General car insurance options, you can enter your ZIP code into our free tool below to compare rates from the best companies near you.

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