Amica vs. Travelers Car Insurance [2021]

When you compare Amica vs. Travelers car insurance, Amica doesn’t have online rates available, but Travelers' car insurance rates are around $370 a month for full coverage. Both Amica and Travelers have A+ ratings from A.M. Best and the BBB. However, Amica is accredited by the BBB and Travelers is not. As you compare Amica vs. Travelers car insurance quotes, look at rates, ratings, and discounts to find the best fit 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

  • It’s hard to compare Amica vs. Travelers car insurance rates since Amica doesn’t have rates listed online
  • Amica and Travelers both score an A+ rating with A.M. Best and the BBB
  • Amica ranks above average in customer service, but Travelers ranks below average

Choosing between Amica vs. Travelers car insurance companies can be difficult. We will compare them head to head to help you decide which is right for you.

Read our Amica car insurance review and our Travelers car insurance review to learn more about each company individually. Look at rates, ratings, and discounts as you decide if Amica or Travelers car insurance is right for you.

The good news is that you don’t have to limit your options to just Amica vs. Travelers. Shop around and compare multiple companies to find your best deal.

Keep reading to learn more about Amica vs. Travelers car insurance or enter your ZIP code above to compare free quotes from car insurance companies near you today.

Is Amica or Travelers car insurance cheaper?

While Amica car insurance rates are not available online, we can show you how Travelers stacks up against the best auto insurance companies in the country.

Many different factors go into finding affordable Amica vs. Travelers car insurance quotes. First, let’s look at how your age, gender, and marital status affect your car insurance rates. 

This table shows you average annual rates based on demographics:

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
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
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
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
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Younger drivers lack experience and will pay higher rates, and unfortunately, Travelers offers the highest rates of the top companies to young drivers.

Next, your driving record is a significant factor when determining your auto insurance rates. Drivers with a bad record will pay much higher rates.

This table shows you the average annual car insurance rates based on driving history:

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
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
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Travelers car insurance rates are on the high end of the comparison, no matter your driving history.

Did you know that your credit score can also affect your auto insurance? Insurance companies believe that drivers with a higher score will be more willing to pay for damages themselves and avoid filing a claim.

This table shows you how your credit score affects your rates. Keep in mind that some states do not allow insurance companies to use your credit score to calculate rates:

Average Annual Car Insurance Rates Based on Credit Rating
CompanyGood Credit RatingFair Credit RatingPoor Credit Rating
American Family$2,691.74$3,169.53$4,467.98
Liberty Mutual$4,388.18$5,604.24$8,802.22
State Farm$2,174.26$2,853.00$4,951.20
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Travelers’ auto insurance rates are among the highest regardless of your credit rating.

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Does Amica or Travelers have better car insurance discounts?

Car insurance discounts allow drivers to lower rates easily. Most companies offer a plethora of discounts in different categories, so you should be able to find at least one or two to save money.

This table shows you the car insurance discounts offered by Amica and Travelers:

Car Insurance Discounts from Amica and Travelers
Car Insurance DiscountsAmicaTravelers
Adaptive HeadlightsxN/A
Anti-lock Brakesxx
Claim Freexx
Continuous Coveragex15%
Daytime Running LightsN/Ax
Defensive Driverxx
Distant Studentx7%
Driver's Edx8%
Driving Device/AppN/Ax
Early SigningN/A3-10%
Electronic Stability ControlxN/A
Family LegacyxN/A
Forward Collision WarningxN/A
Full Paymentx7.50%
Further EducationN/Ax
Good Studentxx
Good/Safe Driverx10-23%
Green VehicleN/Ax
Low Mileagexx
Multiple Policies30%13%
Multiple Vehicles25%8%
Newer VehicleN/A10%
On-Time PaymentsN/A15%
Paperless DocumentsxN/A
Paperless/Auto Billingx2-3%
Passive Restraintxx
Switching ProviderxN/A
Vehicle Recoveryxx
VIN EtchingN/Ax
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Although many of the discounts are the same, there are some differences.

For example, Amica offers a discount for being married, but Travelers does not. However, Travelers offers an occupation discount, and Amica does not.

Discount amounts can also vary. Amica offers a 30% discount for having multiple policies, and Travelers only offers a 13% savings for the same discount.

How do Amica and Travelers compare in financial strength and customer satisfaction?

Ratings can be just as important as rates when it comes to insurance. You need to know you are giving your money to a company you can count on.

A.M. Best ranks the financial stability of insurance companies. Both Amica and Travelers received A+ ratings, showing a superior ability to meet financial obligations.

The Better Business Bureau (BBB) rates companies based on how well they interact with customers. Again, both Amica and Travelers scored an A+. However, Amica is accredited and Travelers is not.

Prices, billing, claims, and the items offered are among the characteristics used by J.D. Power to assess companies based on customer satisfaction.

While Amica scored above average in most regions, Travelers scored below average with J.D. Power.

Amica vs. Travelers Car Insurance: The Bottom Line

Amica and Travelers offer many types of insurance, including auto, home, and motorcycle coverages. You can also find other products, such as Travelers or Amica roadside assistance.

Both companies offer websites that are easy to use. Using MyTravelers or your Amica auto insurance login, you can access your policies, file claims, and even find an auto repair shop.

You can also access Travelers or Amica bill pay online, making it easy to keep up with your payments.

Deciding whether or not to buy Amica or Travelers car insurance can be difficult. Look at rates, ratings, and discounts to see which company can offer you the best deal.

Don’t forget that you don’t have to choose between Amica vs. Travelers auto insurance companies. Compare quotes from multiple companies to find the coverage you want at low rates. Enter your ZIP code below to get started with free quotes from car insurance companies in your area.

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