Amica vs. The Hartford Car Insurance Comparison [2024]
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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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: May 13, 2024
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- 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 car 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 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 that affect 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. Car insurance for teen drivers comes with 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
| Company | Average Annual Rates Single 17-Year-Old Female | Average Annual Rates Single 17-Year-Old Male | Average Annual Rates Single 25-Year-Old Female | Average Annual Rates Single 25-Year-Old Male | Average Annual Rates Single 35-Year-Old Female | Average Annual Rates Single 35-Year-Old Male | Average Annual Rates Single 60-Year-Old Female | Average 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 |
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 for high-risk car insurance.
Take a look at how your driving record affects your average annual car insurance rates:
Average Annual Car Insurance Rates by Driving History
| Company | Average Annual Rates with Clean Record | Average Annual Rates with 1 Accident | Average Annual Rates with 1 DUI | Average 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 |
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, therefore, car insurance for bad credit is more expensive.
This table shows you how much your credit score can affect your auto insurance rates.
Car Insurance Monthly Rates by Credit Score & Provider
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $125 |
| Farmers | $140 |
| Geico | $120 |
| Liberty Mutual | $68 |
| Nationwide | $145 |
| Progressive | $32 |
| State Farm | $86 |
| Travelers | $110 |
| USAA | $22 |
Keep in mind, some states like California don’t allow companies to use your credit score to calculate rates
Read more:
- Allstate vs. Amica Car Insurance Comparison
- Allstate vs. The Hartford Car Insurance Comparison
- American Family vs. Amica Car Insurance Comparison
- AAA vs. The Hartford Car Insurance Comparison
- Geico vs. The Hartford Car Insurance Comparison
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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 Discounts | Amica | The Hartford |
|---|---|---|
| Adaptive Headlights | x | x |
| Airbags | N/A | x |
| Anti-lock Brakes | x | x |
| Anti-Theft | x | x |
| Claim Free | x | x |
| Continuous Coverage | x | x |
| Daytime Running Lights | N/A | x |
| Defensive Driver | x | x |
| Distant Student | x | x |
| Driver's Ed | x | x |
| Driving Device/App | N/A | x |
| Early Signing | N/A | x |
| Electronic Stability Control | x | N/A |
| Family Legacy | x | N/A |
| Family Plan | N/A | x |
| Farm Vehicle | N/A | x |
| Forward Collision Warning | x | x |
| Full Payment | x | x |
| Garaging/Storing | x | x |
| Good Student | x | x |
| Good/Safe Driver | x | x |
| Green Vehicle | N/A | x |
| Homeowner | x | x |
| Low Mileage | x | x |
| Loyalty | x | x |
| Married | x | x |
| Membership/Group | N/A | x |
| Multiple Drivers | N/A | x |
| Multiple Policies | 30% | 5% |
| Multiple Vehicles | 25% | x |
| Newer Vehicle | N/A | x |
| Occupation | N/A | x |
| On-Time Payments | N/A | x |
| Paperless Documents | x | x |
| Paperless/Auto Billing | x | x |
| Passive Restraint | x | x |
| Recent Retirees | N/A | x |
| Renter | x | N/A |
| Senior/Mature Driver | N/A | x |
| Stable Residence | N/A | x |
| Switching Provider | x | N/A |
| Utility Vehicle | N/A | x |
| Vehicle Recovery | x | x |
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.
Read more: The Hartford Car Insurance Discounts
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 car 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.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
Can I find the rates for Amica and The Hartford car insurance online?
No, the rates for Amica and The Hartford car insurance companies are not available online.
What are the ratings of Amica and The Hartford according to A.M. Best and the BBB?
Amica has an A+ rating with A.M. Best, while The Hartford has an A-. Both companies scored an A+ with the BBB, but Amica is accredited and The Hartford is not.
Do Amica and The Hartford offer discounts on car insurance?
Yes, both Amica and The Hartford offer discounts on car insurance. Some discounts may vary between the two companies.
How do Amica and The Hartford compare in terms of financial strength and customer satisfaction?
Amica has received an A+ rating from A.M. Best, indicating superior financial stability. The Hartford has an A- rating, indicating an excellent ability to meet obligations. Both companies scored well with the BBB, and J.D. Power rates them above average in most regions.
Should I compare quotes from other car insurance companies before choosing between Amica and The Hartford?
Yes, it’s recommended to shop around and compare quotes, rates, ratings, and discounts from multiple car insurance companies to find the best deal for you.