Amica vs. The Hartford Car Insurance [2021]

When comparing Amica vs. The Hartford car insurance companies, rates aren’t available online. However, Amica scored an A+ rating with A.M. Best, and The Hartford received an A-. When it comes to the BBB, both Amica and The Hartford scored an A+, but Amica is accredited and The Hartford is not. Consider rates, ratings, and discounts before deciding if Amica vs. The Hartford auto insurance is right for you.

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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: Sep 7, 2021

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Here's What You Need to Know

  • Amica and The Hartford car insurance quotes aren’t available online
  • Amica scored higher with A.M. Best than The Hartford
  • Both Amica and The Hartford scored an A+ with the BBB

Choosing between the best auto insurance companies out there can be difficult. That’s why we are comparing Amica vs. The Hartford car insurance companies side by side for you.

We will compare Amica vs. The Hartford car insurance by looking at rates, ratings, and discounts to see which company is best for you.

To learn more, read our Amica car insurance review and our The Hartford car insurance review.

Keep in mind that you don’t just have to choose between Amica vs. The Hartford. Shop around and compare multiple companies. Enter your ZIP code below to compare free quotes from multiple car insurance companies near you today.

How much are Amica vs. The Hartford car insurance rates?

As we stated above, Amica vs. The Hartford auto insurance rates aren’t readily available online. However, we can give you rates from the top car insurance companies in the country to give you an idea of what to expect.

There are many different factors used to determine your car insurance rates. We will look at the most common now.

Your age, gender, and marital status can all be used to determine your car insurance rates. Younger drivers will pay the highest rates since they lack driving experience and are more likely to be in an accident.

This table shows you the average annual rates for top insurance companies based on age, gender, and marital status:

Average Annual Car Insurance Rates Based on Age, Gender, and Marital Status
CompanyAverage Annual Rates Single 17-Year-Old FemaleAverage Annual Rates Single 17-Year-Old MaleAverage Annual Rates Single 25-Year-Old FemaleAverage Annual Rates Single 25-Year-Old MaleAverage Annual Rates Single 35-Year-Old FemaleAverage Annual Rates Single 35-Year-Old MaleAverage Annual Rates Single 60-Year-Old FemaleAverage Annual Rates Single 60-Year-Old Male
Allstate$9,282.19$10,642.53$3,424.87$3,570.93$3,156.09$3,123.01$2,913.37$2,990.64
American Family$5,996.50$8,130.50$2,288.65$2,694.72$2,202.70$2,224.31$1,992.92$2,014.38
Farmers$8,521.97$9,144.04$2,946.80$3,041.44$2,556.98$2,557.75$2,336.80$2,448.39
GEICO$5,653.55$6,278.96$2,378.89$2,262.87$2,302.89$2,312.38$2,240.60$2,283.45
Liberty Mutual$11,621.01$13,718.69$3,959.67$4,503.13$3,802.77$3,856.84$3,445.00$3,680.53
Nationwide$5,756.37$7,175.31$2,686.48$2,889.04$2,360.49$2,387.43$2,130.26$2,214.62
Progressive$8,689.95$9,625.49$2,697.73$2,758.66$2,296.90$2,175.27$1,991.49$2,048.63
State Farm$5,953.88$7,324.34$2,335.96$2,554.56$2,081.72$2,081.72$1,873.89$1,873.89
Travelers$9,307.32$12,850.91$2,325.25$2,491.21$2,178.66$2,199.51$2,051.98$2,074.41
USAA$4,807.54$5,385.61$1,988.52$2,126.14$1,551.43$1,540.32$1,449.85$1,448.98
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Your driving record is one of the most significant factors used to calculate your auto insurance rates. Drivers with an accident, ticket, or DUI will pay higher rates, and drivers with multiple issues on their driving record will pay extremely high rates.

Take a look at how your driving record affects your average annual car insurance rates:

Average Annual Car Insurance Rates by Driving History
CompanyAverage Annual Rates with Clean RecordAverage Annual Rates with 1 AccidentAverage Annual Rates with 1 DUIAverage Annual Rates with 1 Speeding Violation
Allstate$3,819.90$4,987.68$6,260.73$4,483.51
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Farmers$3,460.60$4,518.73$4,718.75$4,079.01
GEICO$2,145.96$3,192.77$4,875.87$2,645.43
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
Nationwide$2,746.18$3,396.95$4,543.20$3,113.68
Progressive$3,393.09$4,777.04$3,969.65$4,002.28
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Travelers$3,447.69$4,289.74$5,741.40$4,260.80
USAA$1,933.68$2,516.24$3,506.03$2,193.25
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It might surprise you to learn that your credit score can be used by car insurance companies to determine your rates. Insurers believe that you are less likely to file a claim if you have a high credit score.

This table shows you how much your credit score can affect your auto insurance rates.

Average Annual Car Insurance Rates Based on Credit Rating
CompanyGood Credit RatingFair Credit RatingPoor Credit Rating
Allstate$3,859.66$4,581.16$6,490.65
American Family$2,691.74$3,169.53$4,467.98
Farmers$3,677.12$3,899.41$4,864.14
GEICO$2,434.82$2,986.79$4,259.50
Liberty Mutual$4,388.18$5,604.24$8,802.22
Nationwide$2,925.94$3,254.83$4,083.29
Progressive$3,628.85$3,956.31$4,737.64
State Farm$2,174.26$2,853.00$4,951.20
Travelers$4,058.97$4,344.10$5,160.22
USAA$1,821.20$2,219.83$3,690.73
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Keep in mind, some states like California don’t allow companies to use your credit score to calculate rates

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Does Amica or The Hartford have better car insurance discounts?

One great way to lower rates is with car insurance discounts. Since most companies offer many different types of discounts, you can find at least one that will save you money.

This table shows you available car insurance discounts from both Amica and The Hartford:

Car Insurance Discounts from Amica and The Hartford
Car Insurance DiscountsAmicaThe Hartford
Adaptive Headlightsxx
AirbagsN/Ax
Anti-lock Brakesxx
Anti-Theftxx
Claim Freexx
Continuous Coveragexx
Daytime Running LightsN/Ax
Defensive Driverxx
Distant Studentxx
Driver's Edxx
Driving Device/AppN/Ax
Early SigningN/Ax
Electronic Stability ControlxN/A
Family LegacyxN/A
Family PlanN/Ax
Farm VehicleN/Ax
Forward Collision Warningxx
Full Paymentxx
Garaging/Storingxx
Good Studentxx
Good/Safe Driverxx
Green VehicleN/Ax
Homeownerxx
Low Mileagexx
Loyaltyxx
Marriedxx
Membership/GroupN/Ax
Multiple DriversN/Ax
Multiple Policies30%5%
Multiple Vehicles25%x
Newer VehicleN/Ax
OccupationN/Ax
On-Time PaymentsN/Ax
Paperless Documentsxx
Paperless/Auto Billingxx
Passive Restraintxx
Recent RetireesN/Ax
RenterxN/A
Senior/Mature DriverN/Ax
Stable ResidenceN/Ax
Switching ProviderxN/A
Utility VehicleN/Ax
Vehicle Recoveryxx
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While both Amica and The Hartford insurance companies offer some of the same discounts, there are some key differences.

Amica, for example, offers an electronic stability control discount, but The Hartford does not. However, The Hartford offers an early signing discount, and Amica doesn’t.

Discount amounts can also vary. Amica offers a 30% discount for having multiple policies, but The Hanover only offers a 5% discount.

How do Amica and The Hartford compare in financial strength and customer satisfaction?

Rates aren’t all that’s important when picking a car insurance company. You want to have full confidence that your company will be there when you need them.

A.M. Best rates companies on how financially stable they are. Amica received an A+ rating, which means it has a superior ability to meet financial obligations.

The Hartford received an A- rating, showing an excellent ability to meet obligations.

The Better Business Bureau (BBB) rates companies based on how well they do with customer interaction. Both Amica and The Hartford scored an A+, but Amica is accredited and The Hartford isn’t.

Companies are rated on billing, products offered, claims, and pricing by J.D. Power. Both Amica and The Hartford scored above average in most regions.

Amica vs. The Hartford Car Insurance: The Bottom Line

Amica and The Hartford offer many different types of insurance, such as auto, home, and condo insurance coverages. You can also find The Hartford or Amica used cars coverage.

Both companies offer websites that allow customers access to their accounts. With your The Hartford or Amica insurance login, you can get information about your coverages and check on claims.

You can file Amica claims online at any time, and you can access roadside assistance or find an auto shop through the Amica website.

You can also file The Hartford claims online. The Hartford offers business insurance and commercial auto insurance as well.

Finding affordable Amica vs. The Hartford car insurance is really about your personal information. Drivers who are younger or have a bad driving record will pay much higher rates.

Shop around and compare rates, ratings, and discounts from multiple car insurance companies to find the best deal for you.

Before you buy Amica vs. The Hartford car insurance, enter your ZIP code below to compare free car insurance quotes from companies in your area.

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