Allstate vs Amica
Comparing Allstate and Amica auto insurance means looking beyond the price of a quote. This guide compares coverage options, discounts, safe-driving programs, accident forgiveness, vehicle protection, roadside assistance, claims-related features and other factors that can affect the value of an auto policy.
“`Allstate vs Amica: At a Glance
“`Allstate Auto Insurance
Allstate offers a broad range of standard and optional auto insurance coverages, along with digital tools, agent support, Drivewise and optional Accident Forgiveness.
- Liability, collision and comprehensive coverage
- Uninsured and underinsured motorist coverage
- Medical payments and personal injury protection where applicable
- Rental reimbursement
- Roadside assistance
- Drivewise safe-driving program
- Optional Accident Forgiveness
- Rideshare and other specialized coverage options
Amica Auto Insurance
Amica provides customizable auto coverage with multiple policy options through YourPlan, safe-driving discounts through StreetSmart and a dividend policy option where available.
- Liability, collision and comprehensive coverage
- Medical and uninsured/underinsured motorist coverage
- Roadside assistance
- Rental car reimbursement
- GAP insurance
- Rideshare and delivery coverage
- StreetSmart safe-driving program
- Dividend and traditional policy options where available
Coverage Comparison
“`Both insurers offer the core types of auto insurance protection that many U.S. drivers look for. The exact coverage choices, limits and availability depend on the policy and state.
| Coverage / Feature | Allstate | Amica |
|---|---|---|
| Liability coverage | Available for bodily injury and property damage liability. | Available for bodily injury and property damage liability. |
| Collision coverage | Helps pay for repair or replacement of a vehicle damaged in a covered collision, subject to policy terms. | Helps cover damage to the insured vehicle resulting from a covered collision. |
| Comprehensive coverage | Covers qualifying non-collision damage such as theft, fire, weather and falling objects. | Covers qualifying non-collision damage such as theft, fire, vandalism and weather-related events. |
| Uninsured / Underinsured Motorist | Available as part of Allstate’s auto coverage options, subject to state and policy terms. | Available as part of Amica’s auto coverage options, subject to state and policy terms. |
| Medical protection | Medical payments and PIP are available where applicable. | Medical payments and PIP are available depending on state and policy. |
| Rental reimbursement | Available for covered claims, subject to selected coverage and policy terms. | Available as rental car reimbursement or alternative transportation under applicable coverage options. |
| Roadside assistance | 24/7 roadside assistance is available, including services such as jump starts and flat-tire assistance. | Roadside assistance is available as an optional coverage, with services including towing, tire changes and jump starts. |
| GAP protection | Vehicle protection options may be available depending on policy and eligibility. | GAP insurance can help cover the difference between a vehicle’s actual cash value and the amount owed on a loan or lease after a covered total loss. |
| Rideshare / delivery | Rideshare coverage is available in applicable situations and states. | Amica offers coverage options for rideshare or delivery driving where available. |
Allstate Drivewise vs Amica StreetSmart
“`One of the clearest differences between these insurers is how their telematics programs approach safe-driving information. Both programs use mobile technology to evaluate driving behavior and can connect safer driving with potential savings.
Allstate Drivewise
Drivewise measures driving habits such as safe speeds and safe stops. Allstate also describes factors including braking, time of day and phone activity in its driving program information.
Allstate states that participation can provide savings, with the amount depending on individual circumstances and program requirements.
Amica StreetSmart
StreetSmart is Amica’s mobile safe-driving program. Amica says the program evaluates behaviors such as hard braking, speeding, road segment type and phone distraction.
Amica states that eligible policyholders can earn discounts through StreetSmart, with savings dependent on participation, driving performance, timing and eligibility.
| Telematics Feature | Allstate Drivewise | Amica StreetSmart |
|---|---|---|
| Mobile-based program | Yes | Yes |
| Safe-speed information | Yes | Speeding is evaluated |
| Braking behavior | Yes | Hard braking is evaluated |
| Phone-related driving behavior | Included among Drivewise factors | Phone distraction and phone use are evaluated |
| Potential premium savings | Yes, subject to program requirements and state availability | Yes, subject to eligibility and program requirements |
Accident Forgiveness
“`Optional Accident Forgiveness
Allstate describes Accident Forgiveness as an optional feature that can prevent a qualifying accident from increasing the customer’s rate, including an accident where the policyholder was at fault, subject to the applicable terms.
Availability and eligibility can depend on the policy and state.
Accident Forgiveness Through YourPlan
Amica includes Accident Forgiveness in its Signature YourPlan tier. The company describes the feature as helping protect against a rate increase after a first at-fault accident, subject to qualifying conditions.
YourPlan features and availability can vary by state.
Amica YourPlan: Three Coverage Levels
“`Amica’s YourPlan structure gives customers three levels of auto insurance coverage: Essential, Advantage and Signature. Each tier adds features to the previous level.
| YourPlan Feature | Essential | Advantage | Signature |
|---|---|---|---|
| New Car Replacement | Included | Included | Included |
| Full Glass | — | Included | Included |
| Roadside Assistance | — | $100 per disablement | $300 per disablement |
| Rental / Alternative Transportation | — | $1,200 per accident | $2,250 per accident |
| Accidental Death Benefit | — | $10,000 | $50,000 |
| Quality Parts Guarantee | — | Included | Included |
| Better Car Replacement | — | — | Included |
| Accident Forgiveness | — | — | Included |
Discounts and Potential Savings
“`Allstate Savings Opportunities
Allstate describes several ways eligible customers may reduce their auto insurance costs.
- Drivewise safe-driving program
- Accident Forgiveness as an optional feature
- Multi-policy / bundling savings
- Student-related discounts
- Other discounts depending on driver and policy characteristics
Amica Savings Opportunities
Amica publishes a broad selection of discounts and savings programs, with availability varying by state and eligibility.
- Bundling discounts
- Multi-car discounts
- Accident-free discount
- Good student discount
- Young-driver training discount
- Defensive-driver discount
- Paid-in-full discount
- Paperless and AutoPay discounts
- Vehicle safety-feature discounts
- StreetSmart safe-driving savings
Amica Dividend Policies: An Important Difference
“`Amica offers both traditional non-dividend policies and dividend policies. With a qualifying dividend policy, part of the premium may be returned to the policyholder when the applicable conditions are met.
Amica currently states that dividend payments average between 5% and 20% of the annual premium, while also stating that dividend policies are not available in every state, may not be available on every policy type and are not guaranteed.
This means a dividend should not be treated as an automatic discount or guaranteed reduction in the cost of insurance.
Vehicle Protection Options
“`Allstate
Allstate provides standard physical-damage protection through collision and comprehensive coverage and also offers additional vehicle-related options depending on the policy and state.
- Collision coverage
- Comprehensive coverage
- Rental reimbursement
- Rideshare coverage in applicable situations
- Accident Forgiveness
- Other specialized vehicle protection options
Amica
Amica provides several additional vehicle protection features through its auto coverage options and YourPlan packages.
- New Car Replacement
- Better Car Replacement
- GAP insurance
- Rental and alternative transportation
- Roadside assistance
- Glass coverage
- Quality Parts Guarantee
- Rideshare and delivery coverage
Roadside Assistance and Digital Experience
“`| Feature | Allstate | Amica |
|---|---|---|
| Roadside assistance | 24/7 assistance including services such as flat fixes and jump starts. | Available with services such as towing, tire changes and jump starts. |
| Mobile app | Digital ID cards, agent access, claims-related tools and other features. | Digital policy and account management features are available through Amica’s digital services. |
| Claims support | Online and app-based claim tools are available. | Amica provides claims and policy support through its customer service channels. |
| Safe-driving technology | Drivewise | StreetSmart |
How Your Auto Insurance Price Can Differ
“`There is no single Allstate or Amica price that applies to every driver. Insurance premiums are individualized and can change based on factors such as:
Age, driving history, claims history and other rating characteristics can affect the quote.
State, ZIP code, local insurance requirements and risk factors can affect pricing and coverage.
Vehicle type, value, repair costs, safety equipment and usage can influence premiums.
Limits, deductibles and optional coverages can materially change the final premium.
Bundling, safe driving, student status, payment method and other factors may affect available savings.
Eligible customers may receive different savings depending on participation and driving-program results.
Allstate vs Amica: Key Differences to Check
“`| What to Compare | Allstate | Amica |
|---|---|---|
| Safe-driving program | Drivewise | StreetSmart |
| Accident Forgiveness | Optional feature, subject to eligibility and terms | Included in Signature YourPlan, subject to availability and terms |
| Dividend policy | Not presented as a standard Allstate auto policy feature | Available in some states and policy types; dividends are not guaranteed |
| GAP | Vehicle protection options depend on policy and eligibility | GAP insurance available as an auto coverage option |
| New-car protection | Additional vehicle protection options may be available | New Car Replacement included in applicable YourPlan tiers |
| Better Car Replacement | Availability depends on applicable Allstate options | Available through Signature YourPlan |
| Rideshare / delivery | Rideshare coverage available in applicable situations | Rideshare and delivery coverage available where offered |
| Roadside assistance | 24/7 roadside services | Optional roadside assistance coverage |
| Policy customization | Multiple coverage and optional protection choices | YourPlan Essential, Advantage and Signature structures |
How to Compare Allstate and Amica Quotes
“`Enter the same drivers, vehicles, address and driving history when comparing quotes.
Comparing different liability limits can make one quote appear cheaper even though the coverage is different.
Use comparable comprehensive and collision deductibles when evaluating premiums.
Review rental reimbursement, roadside assistance, GAP, new-car protection and other options rather than comparing price alone.
Ask each insurer which discounts apply to your specific driver profile, vehicle and state.
Before purchasing, compare the declarations, limits, deductibles, exclusions and optional features included in the actual quote.
Which Features Matter Most for Different Drivers?
“`Compare Allstate Drivewise and Amica StreetSmart carefully, including program availability, measured driving behaviors, participation requirements and potential savings.
Pay particular attention to vehicle replacement options, GAP protection, collision and comprehensive deductibles and repair-related features.
Compare the total cost of the insurance package rather than looking only at the standalone auto premium.
Check whether a dividend policy is available in your state and whether your policy qualifies. A dividend is not guaranteed.
Frequently Asked Questions
“`What is the main difference between Allstate and Amica auto insurance?
Does Allstate have a safe-driving discount?
Does Amica have a safe-driving discount?
Does Amica offer dividends on auto insurance?
Does Amica offer GAP insurance?
Does Allstate offer accident forgiveness?
Does Amica offer accident forgiveness?
Which company has cheaper car insurance?
Explore the Full Company Profiles
“`Review each insurer’s dedicated page on Newest Cars Insurance before comparing your final coverage options.
“`