Farmers vs Amica
Compare the coverage, vehicle protection, accident forgiveness, repair benefits, telematics programs, rental options and discounts offered by Farmers and Amica.
Farmers
Farmers provides standard auto coverage plus optional protections such as Vehicle Replacement Plus, OEM/New Original Parts, Rental Alternative, Accident Forgiveness and Signal.
View Farmers Auto Insurance →Amica
Amica provides customizable auto coverage with features including New Vehicle Replacement, Better Vehicle Replacement, Quality Parts Guarantee, StreetSmart and Signature-level protections.
View Amica Auto Insurance →Farmers vs Amica: Quick Comparison
The table below focuses on major features rather than attempting to reduce two different insurance products to a single score.
Auto Insurance Coverage
Both insurers provide the core coverages drivers commonly need, while the optional features can create more meaningful differences.
Flexible coverage options
Farmers lists liability, comprehensive, collision, uninsured and underinsured motorist coverage, medical payments and PIP where applicable, along with additional options such as roadside, rental reimbursement, rideshare, OEM parts and residual debt coverage.
Customizable auto protection
Amica offers liability and other core auto coverages together with options such as roadside assistance, GAP protection, rental transportation, glass protection and enhanced vehicle replacement.
Vehicle Replacement: A Major Difference
Total-loss protection can matter significantly when a vehicle is newer, financed or expensive to replace.
Why this matters
A policy can look inexpensive until a newer vehicle is totaled. When comparing Farmers and Amica, review the exact total-loss provisions rather than comparing premium alone.
Accident Forgiveness
One at-fault accident every three years
Farmers states that Accident Forgiveness can forgive one at-fault accident every three years when the applicable coverage is included. Farmers Flex also describes eligibility after 36 continuous months for qualifying customers.
First qualified accident
Amica includes Auto Accident Forgiveness with Signature auto policies. The first qualified accident may be forgiven when the policyholder, driver and loss satisfy the applicable requirements.
Farmers Signal vs Amica StreetSmart
Both programs use smartphone telematics, but the details of the programs and their relationship with pricing are different.
Farmers Signal
Signal monitors driving behavior such as phone distraction, hard braking, driving time and mileage.
Amica StreetSmart
StreetSmart measures factors including hard braking, speeding, road segment type and phone distraction.
Read the telematics terms carefully
Farmers states that riskier Signal driving behavior could increase the premium at renewal. Amica describes StreetSmart as a program that uses driving data to determine discounts and rewards, with current privacy information also stating that collected data can be used in rating and future pricing. Program availability varies.
OEM Parts & Repair Protection
Rental & Roadside Assistance
| Feature | Farmers | Amica |
|---|---|---|
| Rental Coverage | Rental reimbursement can cover a rental for up to 30 days while a covered vehicle is being repaired. | Rental and alternative transportation coverage is available, with limits depending on the selected policy. |
| Alternative Transportation | Rental Alternative can provide a daily stipend that may be used for transportation expenses. | Amica offers Alternative Transportation coverage with policy-specific limits. |
| Roadside Assistance | 24/7 roadside assistance can include towing, tire changing, locksmith service and jump starts. | 24/7 roadside assistance can include towing, flat-tire changes, battery jump-starts, fuel delivery and lockout services. |
| Enhanced Rental | Farmers offers rental options depending on the selected policy. | Platinum Choice includes Prestige Rental Coverage with enhanced limits subject to the package terms. |
Discounts & Savings Programs
Multiple discount categories
Farmers lists discounts for areas including safe driving, Signal participation, automatic payments, good students, distant students, multi-car households and other qualifying circumstances.
Bundling, driving & vehicle discounts
Amica lists discounts for bundling, multiple cars, accident-free driving, defensive-driver training, good students, safety equipment and StreetSmart.
Which Features Should You Compare?
New Car Owner
Compare new-car replacement eligibility, depreciation protection, deductibles and OEM repair provisions.
Financed Vehicle
Review GAP or residual-debt provisions and how each policy handles an outstanding loan after a total loss.
Safe Driver
Compare accident forgiveness requirements and telematics participation terms.
High-Mileage Driver
Review telematics rules, mileage-related considerations, roadside protection and rental coverage.
Rideshare Driver
Verify exactly when rideshare or delivery protection applies and where gaps may exist between policies.
Repair-Focused Driver
Compare OEM parts, repair programs, glass coverage, rental transportation and deductible options.
Questions to Ask Before Comparing Quotes
Farmers vs Amica Questions
What is the main difference between Farmers and Amica auto insurance?
Does Farmers offer accident forgiveness?
Does Amica offer accident forgiveness?
Does Farmers offer vehicle replacement protection?
Does Amica offer new vehicle replacement?
Does Amica offer Better Vehicle Replacement?
Do Farmers and Amica offer telematics?
Do Farmers and Amica offer OEM parts protection?
Related Insurance Pages
Compare the Policy, Not Just the Price
Farmers and Amica offer different combinations of coverage and optional protections. Compare identical limits and deductibles, then review the features that matter most for your vehicle and driving situation.
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