THE VERDICT
Allstate is better than Amica overall, according to WalletHub’s grading criteria. Allstate beats Amica when it comes to financial stability, types of insurance, and it offers 24/7 live customer service, but Amica wins out when it comes to the number of discounts and cost. Allstate is also available in all 50 states and Washington D.C., while Amica doesn’t serve customers in Hawaii. The average cost of an Allstate policy in Massachusetts is $135 per month, while the average cost of an Amica policy is $123 per month.
Compare Amica vs. Allstate
- Types of Insurance: Allstate beats Amica
- Cost: Amica beats Allstate
- Discounts: Amica beats Allstate
- NAIC Rating: Amica beats Allstate
- J.D. Power Rating: Amica beats Allstate
- Market Share: Allstate beats Amica
Allstate has a higher consumer review score on WalletHub. Amica, on the other hand, has a higher rating from J.D. Power and a better customer complaint score from the National Association of Insurance Commissioners (NAIC). So Amica has a slight edge in the customer reviews category.
However, Allstate and Amica have both received more than the average number of customer complaints for insurers their size, according to the NAIC. Complaints have mainly been about delays in the claims-handling process from Allstate and unexpected surcharges from Amica.
Despite their high complaint totals, Allstate and Amica received solid scores from AM Best, one of the nation’s leading credit rating agencies. Allstate has also earned good ratings from S&P and Moody’s Investors Service, a further testament to the company’s financial strength and claims-paying ability. Amica, however, has yet to receive scores from S&P or Moody’s.
Allstate ultimately bests Amica when it comes to attracting customers, too. Allstate is the fourth-largest personal auto insurance provider in the nation, as it earned 10.4% of the market share in 2021, according to the Insurance Information Institute. Amica, on the other hand, didn’t make the top 10 list.
Amica vs Allstate: Customer Satisfaction Ratings
| Source |
Allstate |
Amica |
| NAIC Complaint Index |
2.45 |
0.80 |
| J.D. Power Rating (Customer Satisfaction) |
3.2/5 |
3.5/5 |
| J.D. Power Rating (Claim Satisfaction) |
4.4/5 |
4.5/5 |
| WalletHub Editor's Rating |
2.9/5 |
4.2/5 |
| WalletHub User's Rating |
1.5/5 |
2.0/5 |
The NAIC calculates its Complaint Index score by dividing a company’s number of complaints by its share of market premiums. If that score is higher than the national average of 1.00, the company has received more complaints than is typical for insurers of a similar size. Both Allstate and Amica exceed that benchmark.
To learn more about what sets these two auto insurance providers apart, check out WalletHub’s full
Allstate review and
Amica review.
