21st Century vs. Amica Car Insurance Comparison [2024]

Amica and 21st Century are both accredited auto insurance companies with plenty to offer. When trying to choose between 21st Century vs. Amica, it is important to determine your needs.

For example, if you live outside of California, then you will likely have trouble finding an auto insurance policy with 21st Century. 21st Century offers low rates and options for those with bad driving records, however, Amica has better customer reviews.

Amica and 21st Century are both featured in our article about the best car insurance companies.

Both companies have mostly positive ratings from several online rating systems. We even provided information on their financial ratings from the Better Business Bureau and more in our guide below.

To learn more about the differences between Amica and 21st Century read on, then compare insurance rates from top auto insurance companies by inputting your ZIP code into our comparison tool.

21st Century vs. Amica: Car Insurance Coverage and Options

Both 21st Century and Amica have options for standard and full coverage. What is included in a standard car insurance policy? In many cases, standard auto insurance coverage includes the minimum amount of insurance that is required by your state, while full coverage car insurance may include add-ons like towing services and rental car insurance.

Some average car insurance rates based on coverage can be found in the chart below. However, these rates can differ greatly based on many factors.

Average Car Insurance Rates of Basic Coverage Types

Basic Coverage Types	Annual Car Insurance Rates	Monthly Car Rates	Three-Month Car Insurance Rates
Comprehensive	$148	$12	$36
Collision	$326	$27	$81
Liability	$555	$46	$138
Full	$1,029	$86	$258

For more information on the coverage options and discounts offered by 21st Century and Amica, read on.

What are their coverage options?

21st Century and Amica both have similar options available for standard coverage. Where 21st Century stands out is that it offers 24/7 roadside assistance at no additional charge.

21st Century vs. Amica Coverage

Type of Coverage	Offered by 21st Century	Offered by Amica
Collision	Yes	Yes
Comprehensive	Yes	Yes
Liability	Yes	Yes
Underinsured and Uninsured Motorist	Yes	Yes
Medical Payments	Yes	Yes
Bodily Injury	Yes	Yes
Property Damage	Yes	Yes
Roadside Assistance	Yes	No

Even if you find the rates to be too expensive, both companies have discounts available. Check them out in the section below.

What discounts do they offer?

In the chart below, you can see all the car insurance discounts offered by 21st Century and Amica.

21st Century vs Amica Discounts

Based on the chart above, you can see that Amica currently offers more discounts than 21st Century. However, there may be additional discounts depending on where you live. Contact one of Amica or 21st Century’s agents to inquire.

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21st Century vs. Amica: Comparing Car Insurance Rates

Neither 21st Century nor Amica provides many of their insurance rates online, however, most insurance companies base your rates on several factors: your driving record, the area in which you live, how much your car is used, your age, the car you drive, your credit record, and how much car insurance you need.

Additionally, gender is factored into your insurance rates with some companies, however, this is illegal in certain states, including California, Hawaii, Massachusetts, Pennsylvania, North Carolina, and Montana.

21st Century vs. Amica: Ratings and Customer Satisfaction

Both 21st Century and Amica have been reviewed on several different review sites. Amica appears to have more positive reviews, however, both have good ratings from sites like the Better Business Bureau and A.M. Best.

What are their financial ratings?

Included in the chart below are ratings for 21st Century and Amica from top financial rating companies A.M. Best, Standard and Poor, and the Better Business Bureau.

21st century vs. Amica Financial Ratings

Financial Rating Company	21st Century	Amica
Better Business Bureau	A+	A+
AM Best	A	A+
Standard and Poor	BBB+	N/A

As you can see, both companies got similar ratings from all these financial rating companies. To find out what customers had to say, read on.

How do customers rate them?

21st Century has plenty of mixed reviews online, while Amica has mostly positive reviews. Complaints about 21st Century include the fact that they only offer policies for California car insurance and their limited discounts.

A common complaint about Amica is that they sometimes don’t offer insurance to those with less than great driving records. 21st Century, on the other hand, offers SR-22 car insurance options for those that have had DUIs or other reckless driving marks made against them.

Currently, there don’t seem to be any Consumer Reports ratings for 21st Century available, however, we have provided Amica Insurance reviews via consumer reports in the chart below.

Amica Consumer Reports Rating

Category	Rating
Excellentase of Reaching an Agent	Excellent
Simplicity of the Process	Excellent
Promptness of Response	Excellent
Damage Amount	Excellent
Agent Courtesy	Excellent
Timely Payment	Excellent
Freedom to Select Repair Shop	Excellent
Being Kept Informed of Claim Status	Excellent

Amica has a consumer reports readers’ score of 96. Online, you can also find Amica Insurance reviews on Yelp and Amica Insurance reviews on Reddit.

21st Century vs. Amica: Which company is the best?

21st Century and Amica both have their pros and cons. This is why it is important to determine your exact needs and wants. 21st Century might be better if you have a bad driving record, but Amica has better satisfaction ratings. Additionally, Amica home insurance is also available.

Remember, rates aren’t always the most important thing to consider. You must make sure that your policy covers everything you need. Additionally, most companies offer several discounts that can help decrease your rates.

If you are tired of searching through “Top 5 insurance companies” articles, compare rates from top companies in your area by out the quote box below.