Amica vs USAA
A detailed comparison of Amica and USAA auto insurance, covering protection options, vehicle replacement, safe-driving programs, roadside assistance, rental benefits, discounts and important policy features.
Amica offers auto insurance through multiple coverage levels, including Essential, Advantage and Signature options, with features such as New Vehicle Replacement, Better Vehicle Replacement, Quality Parts Guarantee and Accident Forgiveness.
View Amica Auto Insurance →USAA provides auto insurance with standard coverage options and additional features including SafePilot, SafePilot Miles, Car Replacement Assistance, roadside assistance, rental reimbursement and rideshare gap protection.
View USAA Auto Insurance →Amica vs USAA: Quick Comparison
This snapshot focuses on documented features and programs. Coverage availability, limits, discounts and eligibility can vary by state and policy.
Auto Insurance Coverage
Both insurers provide core auto insurance protection, while their additional coverage structures give drivers different ways to customize a policy.
Liability Protection
Liability coverage can help pay for covered injuries or property damage for which the insured driver is legally responsible.
State requirements and policy limits apply.Collision Coverage
Collision coverage can help repair or replace an insured vehicle after a covered collision, subject to the applicable deductible.
Available through both insurers.Comprehensive Coverage
Comprehensive coverage generally addresses covered damage that occurs outside a collision, including events such as theft, vandalism and certain weather-related losses.
Coverage terms and deductibles apply.Uninsured Motorist
Both insurers provide options for protection involving drivers who have no insurance or insufficient insurance, subject to state rules.
Availability varies by state.Medical Coverage
Amica offers medical coverage options that can help with certain medical expenses after an accident involving covered occupants.
Policy and state requirements apply.Rental Protection
Both companies offer options that can help with transportation while a vehicle is being repaired following a covered loss.
Limits depend on the selected coverage.Amica vs USAA Vehicle Replacement
Replacement protection can become important when a vehicle is totaled because standard actual cash value reflects depreciation.
Amica Vehicle Replacement
Amica states that New Vehicle Replacement is included with all auto policies. For a qualifying new vehicle, coverage can apply when a covered total loss occurs within the first year or before 12,000 miles, whichever comes first.
- New Vehicle Replacement included with all auto policies
- First year or 12,000 miles, whichever comes first
- Replacement cost without depreciation adjustment
- Better Vehicle Replacement included with Signature
USAA Car Replacement Assistance
USAA offers Car Replacement Assistance for qualifying situations. The coverage provides an additional 20% of the vehicle’s actual cash value when the applicable requirements are met.
- Additional amount above actual cash value
- Designed to help address depreciation
- Available as an additional coverage option
- Eligibility and state restrictions apply
Amica’s approach includes a specific New Vehicle Replacement feature and a separate Better Vehicle Replacement option. USAA’s Car Replacement Assistance instead adds 20% to actual cash value in qualifying situations. These are different forms of protection and should be compared using the actual policy terms.
Amica Better Vehicle Replacement vs USAA Replacement Assistance
Amica Better Vehicle Replacement
When a covered vehicle is totaled and qualifies for Better Vehicle Replacement, Amica bases the settlement on the actual cash value of a comparable vehicle that is one model year newer.
- Included with Signature auto policies
- One model year newer valuation
- Requires Collision and Comprehensive/OTC
- Subject to eligibility and state availability
USAA Car Replacement Assistance
USAA’s feature takes a different approach by providing an additional amount above the vehicle’s actual cash value after a qualifying total loss.
- 20% above actual cash value
- Applies in qualifying situations
- Helps offset depreciation
- Policy terms and state availability apply
Amica StreetSmart vs USAA SafePilot
Both insurers use smartphone-based telematics programs, but the advertised discount structures and scoring details are different.
Amica StreetSmart
Amica StreetSmart is a smartphone app that measures driving behavior and can provide discounts based on driving performance.
- Hard braking
- Speeding
- Road segment type
- Phone distraction and phone use
- Phone screen tapping
- 91-day driving score
USAA SafePilot
USAA SafePilot uses the DriveSafe app to automatically record trips and evaluate driving behavior. USAA states that eligible participants can receive up to 15% for participation and earn up to 30% at renewal.
- Phone usage
- Braking behavior
- Driving activity
- Driving score
- Up to 15% participation discount
- Up to 30% at renewal for safe driving
Amica states that StreetSmart driving data affects the premium discount, not the underlying rate, while USAA states that participation in SafePilot will not raise the premium. Both programs are subject to location, eligibility and program requirements.
SafePilot Miles vs Amica Mileage Options
USAA SafePilot Miles
SafePilot Miles is designed for drivers who want mileage-based insurance pricing combined with safe-driving factors.
- Monthly rate can adjust based on mileage and other factors
- Up to 20% savings for lower mileage
- Up to 20% earned safe-driving discount
- Mobile app required for participating drivers
Amica StreetSmart
Amica’s current telematics program focuses primarily on driving behavior rather than presenting the same mileage-based pricing structure as USAA SafePilot Miles.
- Driving behavior is scored over 91 days
- Speeding is evaluated
- Hard braking is evaluated
- Phone distraction is evaluated
- Rewards may also be available through the app
Roadside Assistance & Rental Coverage
Amica Roadside Assistance
Amica offers roadside assistance through qualifying coverage tiers. The YourPlan comparison lists $100 per disablement for Advantage and $300 per disablement for Signature.
Limits and availability may vary by state.USAA Roadside Assistance
USAA roadside assistance can help with situations such as a flat tire, dead battery, lockout, running out of gas and towing.
Policy terms and applicable limits apply.Rental & Alternative Transportation
Amica’s YourPlan lists rental and alternative transportation limits of $1,200 per accident for Advantage and $2,250 for Signature.
USAA also offers rental reimbursement coverage.Amica’s Platinum Choice Auto package includes Prestige Rental Coverage, which can provide up to $5,000 toward a rental with no daily limit for a covered accident, subject to the package and applicable terms.
Additional Features
Amica Features
- New Vehicle Replacement
- Better Vehicle Replacement
- Quality Parts Guarantee
- Accident Forgiveness in Signature
- Full Glass Coverage in qualifying plans
- Identity Fraud Monitoring with Platinum Choice
- Prestige Rental Coverage with Platinum Choice
- Dividend policy option in qualifying situations
USAA Features
- Car Replacement Assistance
- SafePilot
- SafePilot Miles
- Rideshare Gap Protection
- Roadside Assistance
- Rental Reimbursement
- Multi-vehicle discount opportunities
- Driver training discount opportunities
Discounts & Potential Savings
Advertised discounts are only one part of an auto insurance quote. The underlying premium, coverage limits, deductibles and driver-specific rating factors also affect the final price.
| Potential Savings Area | Amica | USAA |
|---|---|---|
| Safe Driving | StreetSmart: up to 20% off qualifying premiums. | SafePilot: up to 30% at renewal for qualifying safe driving. |
| Participation Discount | New eligible StreetSmart users can receive a participation discount. | SafePilot offers up to 15% for enrollment and participation in applicable locations. |
| Low Mileage | StreetSmart focuses on driving behavior. | SafePilot Miles can provide up to 20% savings for lower mileage. |
| Bundling | Amica advertises multiline savings of up to 30% in qualifying situations. | Bundling and other discount opportunities may be available. |
| Multi-Vehicle | Discount availability varies. | Multi-vehicle discount available in qualifying situations. |
| Driver Training | Approved defensive-driver courses may qualify for a discount. | Eligible driver-training courses may qualify for a discount. |
| Vehicle Safety Features | Discounts may apply for qualifying safety equipment. | Discount opportunities depend on the policy and location. |
A 20% or 30% advertised discount cannot by itself determine which policy will have the lower final premium. Compare matching coverage limits and deductibles when obtaining quotes.
Which Features Matter for Different Drivers?
The most useful comparison depends on the vehicle, driving habits, coverage priorities and available options in the driver’s state.
You recently bought a new vehicle
Compare Amica’s New Vehicle Replacement requirements with USAA’s Car Replacement Assistance and review exactly how a total-loss settlement would be calculated.
You want telematics savings
Compare StreetSmart and SafePilot based on the driving behaviors measured, discount structure and availability in your state.
You drive relatively few miles
USAA SafePilot Miles may be relevant because it specifically incorporates mileage into its pricing approach in participating locations.
You want broader vehicle-protection features
Amica’s Advantage and Signature tiers include additional options such as Quality Parts Guarantee, Better Vehicle Replacement and Accident Forgiveness.
You frequently need roadside assistance
Compare the actual service limits and cost of roadside coverage, rather than simply checking whether the feature exists.
You drive for a rideshare service
USAA specifically offers Rideshare Gap Protection. Availability and terms should be verified for the driver’s location and policy.
Amica vs USAA: Feature Matrix
| Feature | Amica | USAA |
|---|---|---|
| Core Auto Coverage | Yes | Yes |
| Collision | Available | Available |
| Comprehensive | Available | Available |
| Medical Coverage | Available | Available options |
| Uninsured / Underinsured Motorist | Available | Available |
| Safe-Driving Program | StreetSmart | SafePilot |
| Maximum Advertised Safe-Driving Savings | Up to 20% | Up to 30% at renewal |
| Low-Mileage Program | Not the same mileage-based structure | SafePilot Miles |
| New Vehicle Replacement | Included with all auto policies, subject to terms | Not the same structure |
| Better Vehicle Replacement | Included with Signature | Not the same structure |
| Car Replacement Assistance | Not the same structure | 20% above actual cash value in qualifying situations |
| Quality Parts Guarantee | Included with Advantage and Signature | Policy-specific repair provisions |
| Accident Forgiveness | Included with Signature | Policy and state terms apply |
| Roadside Assistance | Available through qualifying plans | Available |
| Rental Coverage | Available | Available |
| Rideshare Protection | Availability varies | Rideshare Gap Protection |
Amica vs USAA FAQ
What is the main difference between Amica and USAA auto insurance?
Amica provides multiple auto coverage tiers with features such as New Vehicle Replacement, Better Vehicle Replacement, Quality Parts Guarantee and Accident Forgiveness. USAA provides auto coverage alongside programs such as SafePilot, SafePilot Miles and Car Replacement Assistance.
Does Amica offer a safe-driving discount?
Yes. Amica StreetSmart can provide up to 20% off qualifying policy premiums. The program measures factors including hard braking, speeding, road segment type and phone distraction. Availability varies by state.
Does USAA offer a safe-driving discount?
Yes. USAA SafePilot offers up to 15% for participation and can provide up to 30% at renewal for qualifying safe driving, subject to program and location requirements.
Does Amica include New Vehicle Replacement?
Amica states that New Vehicle Replacement is included with all auto policies. For qualifying vehicles, the coverage can apply when a covered total loss occurs within the first year or before 12,000 miles, whichever comes first.
Does Amica offer Better Vehicle Replacement?
Yes. Better Vehicle Replacement is included with Amica Signature auto policies. For qualifying covered total losses, the settlement is based on the actual cash value of a comparable vehicle one model year newer.
Does USAA offer Car Replacement Assistance?
Yes. USAA states that Car Replacement Assistance can provide 20% more than the vehicle’s actual cash value in qualifying total-loss or theft situations, subject to the applicable terms.
Does Amica offer roadside assistance?
Yes. Amica offers roadside assistance through applicable coverage options. Its current YourPlan comparison lists different roadside limits for Advantage and Signature.
Does USAA offer roadside assistance and rental reimbursement?
Yes. USAA offers roadside assistance and rental reimbursement coverage. Services and limits depend on the selected policy and applicable terms.
Does USAA offer rideshare insurance protection?
USAA offers Rideshare Gap Protection for qualifying drivers. Availability and policy requirements vary by location.
Will Amica or USAA always have the lower price?
Not necessarily. Auto insurance premiums are individualized and depend on factors such as location, vehicle, driving history, coverage limits, deductibles and eligible discounts. Quotes should be compared using matching coverage selections.
Related Auto Insurance Pages
Compare Coverage Before Comparing Price
The most useful auto insurance comparison starts with the same liability limits, deductibles and major optional coverages. Once the protection is comparable, quoted prices become much easier to evaluate.