Amica vs. Safeco: Which is better?
Amica is a better car insurance company than Safeco for most drivers, but it’s close. Amica’s outstanding customer service reputation sets it apart from Safeco (and lots of other competitors).
But car insurance from Amica can be expensive, especially for drivers who have made a claim or have bad credit. While Safeco is generally cheaper, it’s still a good idea to compare car insurance quotes from multiple companies so you get the cheapest rates in your area.
Amica vs. Safeco: at a glance
Category | Amica | Safeco |
---|---|---|
Price and discounts | 4.2 | 4.0 |
Financial strength | 4.3 | 3.4 |
Customer experience | 4.9 | 4.3 |
Coverage options | 3.6 | 3.5 |
Overall Policygenius rating | 4.7 | 4.2 |
We scored these categories on a five-point scale.
Is Amica or Safeco cheaper?
Safeco has cheaper car insurance than Amica. On average, the cost of car insurance from Safeco is $169 less per year than Amica. Both companies are cheaper than the national average, but Safeco is $233 cheaper while Amica is $64 cheaper.
Amica | Safeco | |
---|---|---|
Clean record | $1,574 | $1,405 |
Policygenius cost rating | 4.2 | 4.0 |
Does Amica or Safeco have better discounts?
Amica is the better car insurance company for car insurance discounts. Amica offers savings for signing up for automatic payments, paperless billing, and paying your entire premium at once, while Safeco doesn’t. Amica also offers a legacy discount for young drivers whose parents have Amica policies, as well as a discount for owning a home.
Discount | Amica | Safeco |
---|---|---|
Yes | No | |
Bundling discount | Yes | Yes |
Yes | No | |
Yes | Yes | |
Yes | No | |
Yes | Yes | |
Homeowner discount | Yes | No |
Legacy insured discount | Yes | No |
Multi-car discount | Yes | Yes |
Yes | No | |
Pay-in-full discount | Yes | No |
Yes | Yes | |
Yes | No | |
Secure vehicle discount | Yes | No |
Young driver training discount | Yes | No |
Comparing usage-based insurance from Amica and Safeco
Amica and Safeco have similar usage-based insurance discounts. Both StreetSmart (from Amica) and RightTrack (Safeco) have a trial period of around 90 days and a sign-up bonus. Also, neither company raises rates for driving poorly during the trial period.
We think that Safeco’s usage-based insurance is a little better than Amica’s because of the maximum discount offered. You could save up to 30% on your rate with Safeco, but only 20% with Amica.
UBI highlights | StreetSmart by Amica | RightTrack by Safeco |
---|---|---|
Maximum discount | Up to 20% | Up to 30% |
Savings just for signing up | Yes | Yes |
Length of trial period | 91 days | 90 days |
Can it raise your rates? | No | No |
Is Amica or Safeco better for customer experience?
Amica is not just better for customer experience than Safeco, but it also has some of the best customer service ratings of any car insurance company. Amica received the highest rating on the 2022 J.D. Power Claims Satisfaction study, which ranks consumers' feelings about their insurer’s claims service. Safeco scored lower than average.
According to the National Association of Insurance Commissioners, Amica also received fewer complaints than average. The average complaint index is 1.0, but Amica’s complaint index is just 0.66.
Customer service rating | Amica | Safeco |
---|---|---|
J.D. Power Claims Satisfaction score | 903 | 865 |
J.D. Power Digital Experience score | 702 | 738 |
NAIC Complaint index | 0.66 | 0.76 |
Policygenius customer experience rating | 4.9 | 4.3 |
Amica has better financial strength than Safeco
Amica has better financial strength than Safeco, according to ratings from A.M. Best. This means that A.M. Best is confident in the long term stability of Amica and its ability to pay out future claims.
Financial strength scores | Amica | Safeco |
---|---|---|
A.M. Best Financial Strength Rating | A+ | A |
Policygenius financial strength rating | 4.3 | 3.4 |
Is Amica or Safeco better for coverage options?
Amica is better than Safeco for drivers who want more coverage options. Amica offers gap insurance, which may be required if you lease or finance your car.
If you own your car outright, the companies are about the same. Both have the same basic add-ons, like rental reimbursement and roadside assistance. Amica and Safeco also offer new car replacement coverage.
But Amica also offers a top-tier, “Platinum” coverage package that includes extra add-ons like credit monitoring and extra coverage for rental cars.
Coverage options | Amica | Safeco |
---|---|---|
Diminishing deductible | No | Yes |
Yes | No | |
Yes | No | |
Yes | Yes | |
Yes | Yes | |
Yes | Yes | |
Policygenius coverage rating | 3.6 | 3.5 |
Are there better companies than Amica and Safeco?
Amica and Safeco are both solid choices for car insurance, but if you want cheaper rates another company may be better for you.
If you want the cheapest rates, State Farm and GEICO have lower average premiums than either Amica or Safeco. Travelers is also cheaper than Amica and Safeco, and also has lots of add-ons for complete coverage.
Depending on where you live, a smaller regional carrier like Erie or Auto-Owners could offer better coverage for less.