Amica doesn't spend much on splashy TV ads, but in large surveys, its customers say Amica Mutual is terrific in every way: low prices, helpful customer service and no hassles over claims. Amica is America's oldest mutual auto insurer, and it operates in every state except Hawaii. Still, it's small in comparison to the big-name companies, and reviews say Amica is very picky about its clients. If you've got a checkered driving past, you'll likely have better luck with a big insurance agency like State Farm.
The United Services Automobile Association (USAA) earns excellent ratings all around, like Amica Mutual, but USAA is open only to current and former military personnel and their children. It's the eighth-biggest auto insurer in America, with unusual financial strength. USAA is also the favorite insurer for the wealthy in one survey.
State Farm is the largest auto insurer in North America. A quick web search turns up tons of complaints and lawsuits, especially from people who have had their claims denied, but national data shows that State Farm isn't in the wrong that often. Overall, customers say State Farm is a better ally than other big auto insurers, and if you're not the best insurance risk in the world, experts say State Farm is more likely to accept you than a top-rated small insurer like Amica Mutual.