Amica vs Farmers: which is better for car insurance in 2026?
Across our six scoring categories, Amica comes out ahead in 5, Farmers in 1. Amica edges the weighted overall score by 0.6 of a point, on the strength of price, claims satisfaction, complaint record, financial strength, discounts. That is not a reason to skip Farmers: it scores higher on digital experience, and a quote that comes in lower beats a review that scores higher. Amica is the safer default; Farmers is worth a quote if you are among drivers who want an agent and have specific coverage needs farmers can meet.
Amica vs Farmers, side by side
Sources: average premiums from NerdWallet's August 2026 rate analysis (Quadrant Information Services), for a 35-year-old driver with a clean record and good credit in a 2023 Toyota Camry LE at 12,000 miles a year, 100/300/50 limits with $1,000 deductibles — national average $2,356. Claims satisfaction from the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (segment average 700). Complaint record from NerdWallet's analysis of NAIC complaint data, 2022–2024. Financial strength from AM Best. Discounts and app data from each carrier's published pages and the Apple App Store / Google Play, retrieved August 2026. Updated August 2026.
Category by category
Price
Amica aheadAmica averages $3,167/yr for full coverage against Farmers's $4,048/yr — about $881 a year, or 73.4 dollars a month, in Amica's favor for this profile.
$3,167 a year for full coverage, 34% above the national average. Amica is one of the most expensive carriers here, and does not pretend otherwise.
$4,048 a year for full coverage, 72% above the national average and the most expensive carrier in this review by a wide margin.
Claims satisfaction
Amica aheadAmica takes claims satisfaction on 718/1,000 against Farmers's 690/1,000.
718 out of 1,000, eighteen points above the segment average and seventh overall in the J.D. Power 2025 study.
690 out of 1,000, ten points below the segment average.
Complaint record
Amica aheadAmica takes complaint record on Fewer than expected against Farmers's About the expected number.
Fewer complaints than expected for its size.
Close to the number of complaints expected for its size.
Financial strength
Amica aheadAmica takes financial strength on A+ against Farmers's A.
AM Best A+ (Superior), affirmed March 2026.
AM Best A (Excellent).
Discounts
Amica aheadAmica takes discounts on 17 published against Farmers's 10 published*.
Seventeen published discounts — among the longest lists here — including bundling up to 30% and multi-car up to 25%.
Roughly ten discounts, though Farmers blocks automated access to its own discounts page, so we could not verify the list or its telematics program name directly.
Digital experience
Farmers aheadFarmers takes digital experience on 4.84 iOS / 4.7 Android against Amica's 4.82 iOS / 3.2 Android.
4.82 on the App Store but 3.2 on Google Play across a small rating base. The platform gap is severe and Android users should set expectations accordingly.
4.84 on the App Store and 4.7 on Google Play — the best-rated app pairing in this review, across a relatively small rating base.
So which one?
Pick Amica if…
- You are among drivers who will pay more for service and expect to file claims.
- Price is your first filter — Amica averages $3,167/yr for full coverage on our benchmark profile.
- You care most about how a claim actually goes: Amica scores 718/1,000.
- You want the lower complaint record — Amica sits at Fewer than expected.
Pick Farmers if…
- You are among drivers who want an agent and have specific coverage needs farmers can meet.
- You would rather handle everything in an app than on a phone call.
- Availability fits: 40 states, through agents — the Farmers brand left Florida in 2023 and does not write in Alaska, Delaware, Hawaii, Maine, New Hampshire, Rhode Island, South Carolina, Vermont or West Virginia.
Amica vs Farmers, answered
The questions people ask before switching between these two.
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