Amica vs. Travelers Auto Insurance in 2026 (Side-by-Side Review)

When comparing Amica vs. Travelers auto insurance, Travelers starts at just $49 per month, making it the cheaper option compared to Amica’s $60 starting rate.

Amica vs. Travelers Auto Insurance Rating

Amica offers added value through its Platinum Choice Auto program, with built-in perks like accident forgiveness and Prestige repair benefits.

Travelers leans on IntelliDrive for usage-based savings and sweetens the deal with bundling discounts and roadside assistance. This comparison walks through their pricing, features, and extras to help you choose the better fit.

If you want to lower your auto insurance premiums, enter your ZIP code into our free quote comparison tool to compare your rates against the top insurers.

Compare Amica vs. Travelers Auto Insurance Costs

When looking at full and minimum coverage rates, Travelers clearly undercuts Amica. Travelers offers minimum coverage for $53 a month and full coverage for $141 per month, while Amica’s monthly plans come in at $65 and $215, respectively.

The rate comparison between Amica vs. Travelers Insurance also shows clear differences by age and gender. Travelers consistently offers lower monthly premiums, especially for teens, charging $517 for a 16-year-old male compared to Amica’s $339 monthly rate.

Amica vs. Travelers Auto Insurance Monthly Rates by Age & Gender

That pricing gap tightens with age. For example, a 30-year-old female pays $53 with Travelers and $72 with Amica, making Travelers more affordable across nearly every age bracket. For drivers in their 60s, the rates are closer, but Travelers still holds a slight edge.

Compared to the average cost of car insurance, Amica tends to run higher, but it offers added value through perks like accident forgiveness and repair flexibility. If your main concern is low monthly cost, especially as a younger driver, Travelers may be the better fit.

Travelers offers some of the most affordable coverage, starting at $53 per month for minimum coverage and $141 for full coverage.

Auto Insurance Monthly Rates by Coverage Level

In comparison, Amica’s rates land higher—$65 for minimum and $215 for full coverage. That gap in full coverage pricing alone is nearly $75 per month, which adds up fast over a year. If your main priority is keeping costs low, Travelers stands out as the better-priced option.

Amica tends to justify its higher rates with added service perks and fewer customer complaints, so that extra cost might feel worth it if you value smoother claims and stronger support. On the flip side, Travelers leans into technology-driven savings like IntelliDrive and offers broader multi-policy discounts.

In short, Travelers is built for price-conscious drivers, while Amica might appeal more to those who want consistent service and fewer billing issues over time.

Learn More: How to Get a Quote From an Auto Insurance Company

Amica vs. Travelers: Rates by Driving Record

If your driving history includes a few bumps, Travelers generally offers lower monthly premiums than Amica across the board. Even after a not-at-fault accident or speeding ticket, Travelers remains more affordable, charging $76 and $72, respectively, while Amica charges $99 and $81.

Amica vs. Travelers Auto Insurance Monthly Rates by Driving Record

For drivers with a DUI or DWI, Travelers auto insurance is still slightly cheaper at $112 per month versus Amica’s $123 a month. While the rate differences aren’t massive, they can add up over time.

Amica vs. Travelers: Rates by Credit Score

Credit score plays a big role in pricing, and this table shows a surprising twist — Amica charges drivers with excellent credit less than average at $60 per month, while Travelers auto insurance is still cheaper at $53 per month.

Amica vs. Travelers Auto Insurance Monthly Rates by Credit Score

If your credit is excellent, Amica gives you the best value. But for everyone else, Travelers is much more forgiving and consistent, making it the smarter pick if your score isn’t ideal. Understanding how credit scores affect auto insurance rates helps explain this gap.

Ways to Save on Amica and Travelers Auto Insurance

When it comes to discounts, Amica offers higher savings in most core categories: 25% off for good drivers, low mileage, and multi-car policies, and an impressive 30% bundling discount.

Amica vs. Travelers Auto Insurance Discounts

Travelers, however, outperforms Amica in a few targeted areas like usage-based insurance (UBI) with a 30% savings potential, and slightly higher rewards for safe drivers and pay-in-full options.

If you’re the kind of driver who bundles policies or qualifies for multiple discounts at once, Amica’s structure may result in deeper savings overall. On the other hand, if you’re open to telematics like IntelliDrive and want to earn larger rewards based on driving behavior, Travelers may be the better long-term value.

Amica vs. Travelers Auto Insurance Coverage Options

Both Amica and Travelers offer the standard auto insurance coverage you’d expect—liability, collision, comprehensive, personal injury protection (PIP), and uninsured/underinsured motorist coverage. Liability covers damage or injuries you cause to others, while collision and comprehensive take care of your vehicle if it’s damaged in an accident, stolen, or hit by something like hail.

If you’re financing or leasing, your lender will usually require these. Where the real differences show up is in the add-ons. Amica offers a few extras you don’t always see, like full glass coverage, interior vehicle coverage, and identity fraud monitoring through its Platinum Choice Auto program.

Travelers, on the other hand, leans into technology with IntelliDrive, its usage-based discount program that tracks your driving habits through an app. Both companies offer roadside assistance, rental reimbursement, and accident forgiveness, but only Amica includes accident forgiveness automatically if you qualify. Travelers make you buy it as an add-on.

If you’re the kind of driver who wants more built-in perks and personal support, Amica’s coverage might feel more complete out of the box. But if you’re looking to save based on your driving habits or want flexibility with what you add on, Travelers has more à la carte options to tailor your policy.

Amica vs. Travelers Insurance Reviews & Complaints

Among the best auto insurance companies, both stand out for financial strength, but Amica’s lower complaint rate and higher customer satisfaction make it the stronger choice for service-focused drivers. Amica Insurance consistently ranks better than Travelers across nearly every major rating agency.

Insurance Business Ratings & Consumer Reviews: Amica vs. Travelers

When evaluating the types of insurance of Amica and Travelers, this satisfaction gap also reflects how each company handles claims and service across their auto, home, and umbrella policies.

J.D. Power rates Amica Mutual Insurance Company at 746/1,000, comfortably above Travelers’ 684/1,000, which falls below the industry average. Consumer Reports also places Amica ahead of Travelers Property Casualty Insurance Company with an 85/100 score based on actual customer feedback.

Looking at complaint volume and issue resolution, Amica is the clear leader. The NAIC score for Amica is 0.73, meaning fewer complaints than average. Travelers Insurance comes in at 3.96, which indicates a significantly higher complaint ratio. Even the Better Business Bureau gives Amica an A+ for business practices over Travelers’ A rating.

Pros and Cons of Amica Auto Insurance

Amica auto insurance reviews show how its agents handle customer care, coverage, and claim payouts. If you want a long-term insurer that shares profits with policyholders, Amica stands out.

• Strong Dividend Policy Options: Amica Mutual Insurance Company offers dividend policies that can return up to 20% of your premium.
• High Customer Satisfaction Ratings: J.D. Power, BBB, and Consumer Reports all reflect Amica’s consistent top-tier service.
• Feature-Rich Coverage Options: The Platinum Choice plan includes accident forgiveness, full glass, and Prestige Repair.

So, is Amica the right fit? If you care more about personalized service, generous policy perks, and being with a financially stable mutual company, it’s definitely worth a look.

One Amica customer, pictured above, raves about their 13-year experience with home, auto, and life policies, highlighting smooth claims, easy billing, and unmatched support. That kind of loyalty speaks volumes. Still, there are a few drawbacks to consider before deciding.

• Higher Monthly Premiums: Amica’s $65 minimum and $215 full coverage rates come in higher than competitors like Travelers.
• Limited Market Reach: Amica Property and Casualty Insurance Company has less brand visibility and regional availability.

Amica auto insurance could fit your policy needs if you need additional coverage for new vehicles and prefer to work with an agent for personalized service. Otherwise, Travelers may be the more economical option.

Pros and Cons of Travelers Auto Insurance

Travelers Insurance built its reputation on stability and wide availability, and for many drivers, it strikes a solid balance between affordability and digital convenience.

• Competitive Monthly Rates: With minimum coverage starting at $53 and full coverage around $141, Travelers comes in cheaper than many national providers.
• IntelliDrive Program: Their telematics app can score you up to a 30% discount if you’re a safe driver, and it’s easy to use on any smartphone.
• Robust Discount Options: Travelers offers 15+ discounts, including savings for hybrid vehicles, multi-policies, good students, and homeownership.

Should you go with Travelers? If you’re looking for solid coverage at a good rate (and you’re comfortable with a no-frills experience), it’s a smart, dependable pick. But keep in mind, not every experience is seamless.

One Yelp reviewer ran into trouble when their truck camper was misclassified, and the claim never got paid. It’s a good heads-up to ask the right questions and make sure everything’s clearly listed before you sign off on your policy. Here’s where Travelers might fall short for other drivers:

• Mixed Customer Reviews: The Travelers Indemnity Company scores lower than average in J.D. Power’s claims satisfaction rankings.
• Fewer Perks for Loyal Drivers: Unlike Amica, Travelers doesn’t offer dividend policies or loyalty-driven benefits that pay you back.

You’re looking at a company with deep roots and over 160 years in the market, with fantastic financial ratings. However, Travelers auto insurance reviews reflect poor claims service and customer support. If you want better service, consider Amica.

Comparing Amica and Travelers Auto Insurance

Amica vs. Travelers auto insurance comes down to service and savings. Amica Mutual Insurance Company delivers personalized coverage with its Platinum Choice Auto program, strong claims support, and consistently high customer satisfaction. It’s member-owned, returns dividends, and handles fewer complaints.

Travelers, backed by The Travelers Indemnity Company, focuses on lower prices and usage-based savings with IntelliDrive, making it a better fit for cost-conscious drivers. As you evaluate auto insurance quotes, consider whether you value long-term service or upfront savings to choose the better fit.

Find the best auto insurance rates no matter how much coverage you need by entering your ZIP code into our comparison tool today.