Amica vs. Travelers Auto Insurance in 2025 (Side-by-Side Review)
Compare Amica vs. Travelers auto insurance to find the right digital tools and UBI programs for you. Amica auto insurance includes Platinum Choice policies with Prestige repair benefits, starting at $65 a month. Travelers’ $53 monthly plans feature IntelliDrive usage-based tracking and multi-policy savings.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jul 10, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 10, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
768 reviewsCompany Facts
Min. Coverage
A.M. Best Rating
Complaint Level
Pros & Cons
768 reviews
1,733 reviewsCompany Facts
Min. Coverage
A.M. Best
Complaint Level
Pros & Cons
1,733 reviewsComparing Amica vs. Travelers auto insurance comes down to what you value most — customizable coverage or technology-driven savings.
Amica vs. Travelers Auto Insurance Rating
| Rating Criteria |  |  |
|---|---|---|
| Overall Score | 4.4 | 4.3 |
| Business Reviews | 4.5 | 4.5 |
| Claim Processing | 4.8 | 4.5 |
| Company Reputation | 4.5 | 4.5 |
| Coverage Availability | 5.0 | 5.0 |
| Coverage Value | 4.3 | 4.3 |
| Customer Satisfaction | 2.1 | 2.1 |
| Digital Experience | 4.5 | 4.5 |
| Discounts Available | 5.0 | 5.0 |
| Insurance Cost | 4.0 | 4.1 |
| Plan Personalization | 4.5 | 4.5 |
| Policy Options | 4.1 | 4.1 |
| Savings Potential | 4.4 | 4.4 |
| Amica Review | Travelers Review |
Amica stands out with its Platinum Choice Auto program, which adds perks like accident forgiveness, full glass coverage, and Prestige repair options. Travelers focuses on cheap usage-based auto insurance through IntelliDrive and offers flexible bundling discounts and roadside assistance.
This comparison breaks down their policy features, driver programs, and coverage upgrades so you can decide which provider better fits your needs.
- Amica’s $65 monthly plan includes accident forgiveness and Prestige repair benefits
- Travelers’ $53 monthly policy features IntelliDrive tracking and early quote discounts
- Amica Insurance scores higher for better customer service and claims satisfaction
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
| Age & Gender | | |
|---|---|---|
| 16-Year-Old Female | $306 | $392 |
| 16-Year-Old Male | $339 | $517 |
| 30-Year-Old Female | $72 | $53 |
| 30-Year-Old Male | $76 | $58 |
| 45-Year-Old Female | $72 | $54 |
| 45-Year-Old Male | $65 | $53 |
| 60-Year-Old Female | $60 | $49 |
| 60-Year-Old Male | $62 | $50 |
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.
Amica vs. Travelers Auto Insurance 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
| Driving Record | | |
|---|---|---|
| Clean Record | $65 | $53 |
| Not-At-Fault Accident | $99 | $76 |
| Speeding Ticket | $81 | $72 |
| DUI/DWI | $123 | $112 |
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 Auto Insurance 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
| Credit Score | | |
|---|---|---|
| Excellent | $60 | $53 |
| Good | $323 | $157 |
| Fair | $734 | $200 |
| Poor | $431 | $285 |
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.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Amica vs. Travelers Auto Insurance Market Share
The Travelers Indemnity Company holds 4.3% of the U.S. auto insurance market, while Amica Mutual Insurance Company only controls 1.0%. Amica Mutual Insurance Company isn’t as big as Travelers, but that’s partly because it focuses more on service than size. However, Travelers has more leverage to offer competitive rates and additional digital tools like IntelliDrive.
And when compared to other major insurers, Travelers lands on the lower end of the price spectrum, especially when you consider that Allstate and Liberty Mutual both exceed $225 per month for full coverage.
Auto Insurance Monthly Rates by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $65 | $215 |
| $53 | $141 |
 | $87 | $228 |
 | $62 | $166 |
 | $76 | $198 |
 | $43 | $114 |
 | $96 | $248 |
 | $63 | $164 |
 | $50 | $150 |
 | $47 | $123 |
Amica, on the other hand, is closer in price to Farmers and American Family but doesn’t beat Geico, Progressive, or State Farm when it comes to affordability.
If cost is a big factor, Travelers stands out as the more budget-friendly option, but you should compare quotes from multiple companies to find the right policy price.
Learn More: How to Get a Quote From an Auto Insurance Company
Amica vs. Travelers Auto Insurance Discounts
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
| Discount Type | | |
|---|---|---|
| Anti-Theft | 18% | 15% |
| Auto Pay | 7% | 6% |
| Bundling | 30% | 13% |
| Defensive Driving | 12% | 20% |
| Good Driver | 25% | 10% |
| Good Student | 15% | 8% |
| Low Mileage | 25% | 20% |
| Multi-Car | 25% | 25% |
| Pay-in-Full | 10% | 15% |
| Safe Driver | 15% | 17% |
| UBI | 20% | 30% |
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 Insurance Reviews & Ratings
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
| Agency | | |
|---|---|---|
 | Score: 746 / 1,000 Avg. Satisfaction | Score: 684 / 1,000 Below Avg. Satisfaction |
 | Score: A+ Excellent Business Practices | Score: A Good Business Practices |
 | Score: 85/100 Excellent Customer Feedback | Score: 76/100 Good Customer Feedback |
 | Score: 0.73 Fewer Complaints Than Avg. | Score: 3.96 More Complaints Than Avg. |
 | Score: A+ Superior Financial Strength | Score: A++ Superior Financial Strength |
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.
If you want stable rates and fewer claim issues, Amica’s Platinum Choice Auto may offer better long-term value than usage-based insurance.Daniel Walker Licensed Auto Insurance Agent
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.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
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.
Compare Amica and Travelers by what matters most. Amica for service, and Travelers for lower rates through usage-based savings.Alexandra Arcand Insurance and Finance Writer
Find the best auto insurance rates no matter how much coverage you need by entering your ZIP code into our comparison tool today.
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
Frequently Asked Questions
Is Amica better than Travelers for auto insurance?
Amica Mutual Insurance Company stands out for customer satisfaction, claim handling, and dividend perks. Travelers, backed by The Travelers Indemnity Company, typically wins on price. Choose Amica for long-term service and Travelers for affordability.
Is Amica a good auto insurance company?
Yes. Amica Mutual Insurance Company consistently ranks at the top for customer satisfaction and reliability. It has an A+ A.M. Best rating, fewer complaints than the national average, and offers unique benefits like dividend policies that refund up to 20% of premiums annually.
What rank is Travelers Insurance in the U.S. auto market?
Travelers Insurance ranks among the top 10 U.S. auto insurers, holding 4.3% of the market share. It’s one of the largest national providers, offering broad availability, competitive pricing, and usage-based discounts through Travelers IntelliDrive.
Why choose Amica auto insurance over Travelers?
Drivers choose Amica Mutual Insurance Company for its exceptional claims support, low complaint volume, and added perks like accident forgiveness, dividend payouts, and flexible repair options. Although it may cost more upfront, it often delivers better long-term value. Find the best auto insurance company near you by entering your ZIP code into our free quote tool.
Which offers better coverage between Amica vs. Travelers home insurance?
Amica Property and Casualty Insurance Company provides personalized coverage, excellent claims support, and fewer complaints. Travelers Property Casualty Insurance Company generally offers lower premiums and more discount bundling options. Amica excels in service; Travelers leads in price and availability.
Why is Amica more expensive than Travelers auto insurance?
Amica’s average full coverage rate is $215 per month, while Travelers offers it for $141 per month. Amica charges more because of premium features like Platinum Choice Auto, accident forgiveness, and a lower complaint ratio. If you’re wondering why auto insurance for new cars is so expensive, these added protections and service perks often drive up the cost.
Who offers wider geographic coverage between Amica Insurance vs. Travelers Insurance?
Travelers, through Travelers Commercial Insurance Company, is licensed in all 50 states and has a larger agent network. Amica operates in fewer states and has a more regional focus, although it still provides a strong national reach for auto policies.
How much does insurance go up after an accident with Amica?
Rates with Amica can rise by 20%–40% after an at-fault accident. However, policyholders with Platinum Choice Auto may be eligible for accident forgiveness, which can keep premiums stable if you’ve been claim-free prior to the incident.
Where does Amica auto insurance rank in customer service?
Amica Insurance Company ranks near the top across multiple rating agencies. It received 746 points from J.D. Power, an 85/100 from Consumer Reports, and an A+ from the Better Business Bureau, placing it among the auto insurance companies with the best customer service for policyholders who value strong support and satisfaction.
How do I cancel Travelers Insurance?
To cancel a Travelers policy, contact customer service at 1-800-842-5075. You’ll need your policy number and cancellation date. Travelers doesn’t charge a cancellation fee and will refund any unused premium.
Is Travelers a good insurance company?
Yes. The Travelers Indemnity Company is financially strong and affordable. It earned an A++ A.M. Best rating and offers more than 15 discounts. While it doesn’t lead in service scores, it’s one of the most cost-effective options, especially for younger drivers, since auto insurance costs more for young drivers due to higher risk profiles and limited driving history.
What does a Travelers umbrella policy cover?
A Travelers umbrella policy extends liability protection beyond your standard auto and home insurance. It includes bodily injury, property damage, legal fees, and libel/slander protection, with coverage limits up to $10 million, depending on the policy.
What does an Amica umbrella policy cover?
An Amica Mutual Insurance Company umbrella policy covers additional liability up to $5 million. It includes legal defense, personal injury liability, and protection against lawsuits like slander, libel, or landlord liability that exceed your auto or homeowners policy limits.
Who offers the cheapest auto insurance rates, Amica Insurance or Travelers Insurance?
Travelers Insurance Company offers lower rates across most categories — $53 monthly for minimum and $141 per month for full coverage, compared to Amica’s $65 and $215 monthly rates. It’s also cheaper for young drivers, but Amica’s rates stay steadier with age, making it a better option for long-term consistency. Find the cheapest auto insurance near you by entering your ZIP code into our free comparison tool today.
Does Travelers have accident forgiveness?
Yes. Travelers Insurance offers accident forgiveness as an optional feature. After maintaining a clean driving record for five years, your first at-fault accident may not impact your rate.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
