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State Farm and Amica are well-known insurers with many coverage options and strong financial strength ratings. However, State Farm has much cheaper rates and many more local agents for in-person help. Amica earns better marks for customer service and claims handling, though, and provides easy access to an online assistant that can help with most issues.
State Farm is likely your better bet if your main focus is affordability or widespread in-person support. But if you prioritize top-notch customer service and prefer a digital experience with help from an AI assistant or via phone rather than from an in-person agent, Amica may be a better choice for you.
Amica also broadly offers guaranteed asset protection. That is an important consideration if you're leasing or financing your car since it ensures the payout fully covers the loan or lease balance if your car is totaled or stolen.
How we evaluate products
FinanceBuzz researches a number of factors in each auto insurance provider to create our reviews. These factors include cost and discounts, complaints and customer satisfaction, coverage, and ease of use. We also gather information from sources such as Insurify, J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC), and the Better Business Bureau to ensure we provide the most useful information to our readers.
State Farm pros and cons
- Large network of around 19,000 local agents
- Generally more affordable rates than Amica
- Reimburses travel expenses after an accident occurring 50 miles or more from home
- Higher number of complaints relative to market share than Amica
- F rating from the BBB
Learn more in our State Farm review
Amica pros and cons
- Second-highest-rated insurer for claims satisfaction by J.D. Power
- Lower number of complaints relative to market share compared with State Farm
- A+ rating from the BBB
- Widely available GAP insurance coverage
- Costlier premiums than State Farm
- Fewer local agents to offer support
- No reimbursement of travel expenses for accidents away from home
Learn more in our Amica review
Which company is better?
| State Farm | Amica | |
| AM Best | A++ | A+ |
| J.D. Power claims satisfaction | 710/1,000 | 746/1,000 |
| BBB | F | A+ |
| NAIC complaints | 0.84 | 0.57 |
AM Best is a credit rating agency assessing financial stability. While State Farm's A++ rating is a bit higher than Amica's A+, both insurance companies are financially stable.
Both also had a below-average number of complaints relative to market share with the NAIC. However, State Farm had a worse NAIC complaint index of 0.84 versus Amica's 0.57.
Some of the biggest differences between the companies involve customer service metrics. In the J.D. Power 2024 U.S. Auto Claims Satisfaction Study, Amica earned a much higher score than State Farm and came in second place. Amica also has a much better BBB rating (A+ versus F).
This means that while both companies are financially stable, Amica may do a better job of offering customers the assistance they need with their policies.
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Which company is cheaper?
State Farm is much cheaper for drivers in all demographic categories compared with Amica. While Amica does offer a few more opportunities than State Farm to earn discounts, it's unlikely this will make up for the initial disparity in average premiums between the two insurers.
If you want to save money on car insurance, you may prefer State Farm as its costs for liability-only and full coverage policies are likely to be considerably less. Consider the type of driver you are and compare each company's insurance rates in the tables below.
| Driver type | State Farm liability-only monthly premium | State Farm full-coverage monthly premium |
| Clean driving record | $53 | $115 |
| Speeding ticket on driving record | $63 | $136 |
| At-fault accident on driving record | $66 | $143 |
| DUI on driving record | $86 | $186 |
| Teen driver | $98 | $212 |
| Senior driver (60s) | $38 | $83 |
| Senior driver (70s) | $34 | $74 |
| Data sourced from Insurify | ||
Now compare State Farm's averages to Amica's.
| Driver type | Amica liability-only monthly premium | Amica full-coverage monthly premium |
| Clean driving record | $146 | $269 |
| Speeding ticket on driving record | $216 | $399 |
| At-fault accident on driving record | $227 | $419 |
| DUI on driving record | $211 | $389 |
| Teen driver | $204 | $377 |
| Senior driver (60s) | $107 | $197 |
| Senior driver (70s) | $107 | $198 |
| Data sourced from Insurify | ||
Clean driving record
State Farm generally offers more affordable rates for drivers with a clean record. In fact, the average liability-only premiums Amica charges drivers with no past problems are nearly three times what State Farm charges.
Average rate:
Speeding ticket on driving record
Insurers consider speeding a risky behavior because crashes are more likely to occur and to be serious at high speeds. Again, Amica is more expensive for this group of drivers, charging them about 3.5 times what State Farm does for a liability-only policy.
At-fault accident on driving record
Drivers who have had one accident are considered to be at greater risk of having another collision, so they pay higher premiums. State Farm's average liability-only premiums are about 25% to 40% cheaper than Amica's for drivers who have been involved in major and minor collisions.
DUI on driving record
Average premiums for a driver with a DUI are higher with Amica than with State Farm. However, both insurers charge much more for drivers who have a history of impairment while operating a vehicle.
Teen driver
If the insurers charge them average premiums, teen drivers will pay more than double for an Amica liability-only policy than for a State Farm policy. Teens are always considered high-risk and cost more to insure with either company, but Amica's premiums are a lot pricier.
Senior driver
Senior drivers are riskier to insure because their advanced age can affect reflexes, vision, and other traits that impact driving ability. Once again, State Farm offers far more affordable rates, with Amica's average liability premiums coming in at around 3.25 times what State Farm charges.
Discounts
Amica offers more ways to lower car insurance costs with discounts than State Farm. Further, State Farm discounts can vary by location, so understanding your opportunities to save can be more difficult. For example, State Farm's list of discounts in New York specifically lists a discount for anti-lock brakes while California's list of discounts does not.
Amica also offers GAP insurance, which provides invaluable protection if you have a financed or leased vehicle. Often, you end up owing more on these vehicles than they're worth. If that's the case and your car is totaled or stolen, GAP insurance pays the difference.
| Discount | Does State Farm have it? | Does Amica have it? |
| Loyalty | Yes | Yes |
| Multi-policy/bundling | Yes | Yes |
| Multiple vehicle | Yes | Yes |
| Airbag | Yes | Yes |
| Anti-lock brakes | Yes (select states) | No |
| Anti-theft | Yes | Yes |
| Safe driver | Yes | Yes |
| Good student | Yes | Yes |
| Away-from-home student | Yes | Yes |
| New car | No | No |
| Pay in full | Yes | Yes |
| Automatic payments | No | Yes |
| GAP insurance | No | Yes |
| Senior | No | No |
| Military | Yes (select states) | No |
| Defensive driving course | Yes | Yes |
State Farm Drive Safe & Save vs. Amica StreetSmart
State Farm and Amica both offer drivers the option to have their driving monitored and potentially earn discounts for safe behavior. State Farm's program is called Drive Safe & Save, and Amica's is called StreetSmart.
You can use Drive Safe & Save from within the State Farm app and potentially qualify for discounts of up to 30% off your auto coverage. The app pairs with a Bluetooth beacon, and together they automatically record trips and monitor for high-risk behaviors like accelerating quickly, braking hard, taking corners too fast, speeding, and driving while distracted.
Amica StreetSmart is similar. You can download the free app and get an automatic participation discount once you enroll. Amica will then monitor your driving over a rolling 91-day period to determine if you qualify for discounts. The app monitors for hard braking, speeding, road segment type, and phone use.
Amica uses your score to award policy discounts, just as State Farm does, but it also offers the chance to earn rewards for specific driving behaviors. You can redeem these awards in $5 increments.
Coverage
Both State Farm and Amica offer very similar insurance coverage options, including both the standard insurance protections available on every policy, such as collision and comprehensive insurance, as well as personal injury protection.
However, there are some differences. State Farm will provide coverage for travel expenses if you're involved in an accident that is 50 miles or more from home while Amica doesn't provide this type of coverage.
On the other hand, GAP insurance is available through Amica for those who have financed and leased vehicles that they owe more on than the car is worth. State Farm doesn't offer this protection.
Here are the types of auto insurance products that both insurers offer.
- Collision coverage
- Comprehensive coverage
- Bodily injury and property damage liability
- Uninsured/underinsured motorist coverage
- Personal injury protection
- Medical payments coverage
- Rideshare driver coverage
- Emergency roadside service coverage
- Car rental reimbursement
- Auto glass coverage
FAQs
How do I contact State Farm?
You can contact State Farm at 800-SF-CLAIM (800-732-5246) for auto and property claims or 888-624-4410 for claims involving only auto glass damage. There's also a 24/7 phone line for roadside assistance at 877-627-5757, and the number to pay your bill is 800-440-0998.
Other than the 24/7 phone line for roadside assistance, State Farm's website doesn't disclose its customer service hours for other auto insurance issues. However, it does have more than 19,000 local agents spread across the U.S. who are ready to help you in person. Plus, it has an online chat.
How do I contact Amica?
Amica provides a live chat option powered by a virtual assistant called AVA. The live chat for claims is open from 8 a.m. to midnight on weekdays and 10 a.m. to 5:30 p.m. ET on Saturdays. For general customer service, it's open from 6 a.m. to midnight on weekdays and from 7 a.m. to midnight ET on weekends. There's also an email support option.
Telephone support is also available with claims representatives available at 800-242-6422, technical assistance available at 833-915-0019, and general customer service available at 800-242-6422. While claims support is available 24/7, regular customer service representatives are available between 6 a.m. and 10 p.m. on weekdays and 7 a.m. to 8 p.m. ET on weekends.
Amica also provides in-person support, and you can use an office locator to find help. However, there are few local offices.
How does Amica compare to State Farm?
Amica has better customer service ratings than State Farm. It also broadly offers GAP insurance. However, Amica charges higher prices on average than State Farm, and State Farm has many more local agents than Amica.
Is Amica good insurance?
Amica is good insurance for those who are okay with paying a higher price for better service. It has a solid reputation for claims handling and an A+ rating from the BBB, so you can feel confident you're in good hands with your coverage.
Bottom line
Both Amica and State Farm have benefits and disadvantages. Think about whether you'd rather pay a higher price for the solid customer service Amica insurance is likely to provide or whether you think you'd be okay with a worse experience with your claim in exchange for much lower premiums. You should also think about your specific coverage needs, such as GAP insurance.
If neither Amica nor State Farm feels like the right fit, you can also shop around and get quotes from other insurers to find the best car insurance for you. Getting several quotes, reading reviews, and learning about various discounts can help you decide which insurer can meet your needs and provide the best value.
Average rate:
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