Allstate vs. Amica Mutual: Which Company is the Best Fit for You?

Quick Facts

• In general, Allstate offers significantly cheaper premiums than Amica Mutual
• Allstate offers more affordable average prices for policyholders who drive fewer than 6,000 miles every year
• Amica Mutual has less expensive rates in CT, MA, NJ, and RI

Allstate or Amica Mutual: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering big savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Allstate or Amica Mutual as your top options, but which company has cheaper premiums for auto insurance?

Looking at nationwide averages, Allstate has average rates that are around 45% a month more affordable than those from Amica Mutual.

But Allstate may not be the lowest or best option for every driver out there. Insurance carriers vary their prices depending on things like how clean your driving record is, how old you are, where you live, how good your credit score is, and a variety of other factors, so rates will vary quite a bit from person to person.

So, if you want to find out which of Allstate or Amica Mutual is really the best for you, keep reading to see average premiums for each company broken down by many different rate factors.

Allstate vs. Amica Mutual: Average Car Insurance Rates by State

Allstate and Amica Mutual compete against each other in four states, with Allstate offering less expensive prices to the average driver in all of them. If you live in Massachusetts, Amica Mutual is the cheaper of the two companies when looking at the overall average premiums. Allstate is the more affordable option in Connecticut, New Jersey, and Rhode Island.

That being said, there's a lot more that goes into your car insurance cost than just where you call home. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance prices of any group out there on the road. It's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean that teen drivers have to just accept sky-high insurance rates. As you can see above, teens who use Allstate save over 35% per month compared to those who use Amica Mutual.

However, both carriers will offer you dramatically lower prices by the time you turn 25. For example, average rates for Allstate policyholders lower almost 65% and Amica Mutual's premiums drop nearly 60% over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable rates you can find.

When looking at Allstate and Amica Mutual specifically, which carrier is best for retired drivers? Allstate gets the edge here, with average prices coming in at about $152 per month compared to Amica Mutual's $345.

Which is the Best Company for Married Drivers?

Did you know that auto insurance premiums are normally less expensive for married drivers than they are for single policyholders? This usually boils down to married couples having more than one vehicle on their policy -- something lots of insurance companies will reward with discounts.

For single drivers, the difference in average rates between these two carriers is significant, with Allstate prices coming in at around 40% less than Amica Mutual's. The advantage for married policyholders with Allstate is also obvious, where drivers save about $150 a month.

Allstate or Amica Mutual: Average Rates by Gender

Men are statistically more likely than women to get into a collision or get pulled over for speeding. That means when it comes to auto insurance men will usually end up paying a little more.

Usually, men see premiums around 4% per month higher with Allstate, and about 2% more with Amica Mutual.

When it comes to the cheapest rates for each gender, Allstate comes out on top for both men and women. On average, women save about $162 a month and men save around $159 with Allstate compared to the average Amica Mutual policyholder.

Allstate vs. Amica Mutual: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Insurance isn't the easiest topic to understand. There are so many different terms and limits that it can make it pretty confusing to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability coverage).

Looking specifically at state minimum liability limits, Allstate has the significant edge, with average monthly premiums coming in at $108. If you want a full coverage policy with the same state minimum limits, Allstate again has the edge, with policies averaging about $289 per month to Amica Mutual's $508.

Is Allstate or Amica Mutual Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with at-fault collisions and speeding tickets on your record, but which of these two companies offers the most affordable prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Allstate for their insurance can generally expect their monthly bill to go up around 15% after getting a speeding ticket. Amica Mutual policyholders can expect a bit more drastic of an increase of about 20%.

That being said, Allstate tends to offer the best prices for both drivers who have clean records and those with a recent ticket -- their rates are around 27% more affordable for drivers with clean records and 32% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Allstate drivers who get in a collision can expect to see their rates increase by just under $75, while those who have insurance through Amica Mutual will see around a $40 increase.

At the end of the day, the cheaper premiums come from Allstate, with average prices coming in at $229 compared to Amica Mutual Insurance's $254.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- typically a lot more than an accident or speeding ticket. Amica Mutual drivers usually see a 69% climb in their auto insurance premiums after a DUI charge, while Allstate will normally increase prices by about 31%.

But if you end up with a DUI charge and are looking for more affordable rates, Allstate tends to be less expensive for the average driver, with monthly premiums coming in at around $227 to Amica Mutual's $699.

How does Credit Score Impact Allstate and Amica Mutual Rates?

Did you know many car insurance carriers take your credit score into account when determining prices? This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as an insurance factor) but it might come into play for a lot of policyholders.

Insurance companies argue that those with poor credit scores are less likely to pay their bills on time each month, which raises the risk involved on their end, while the opposite is true for those with good credit.

So, which company offers the cheapest rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Allstate will usually reward you the most. For policyholders with "excellent" credit scores, Allstate comes in more than 41.77 cheaper. Drivers with "good" credit scores generally save about 42% with Allstate compared to average premiums from Amica Mutual.

Which Company is Best for Drivers with Bad Credit?

Allstate typically offers lower rates than Amica Mutual when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around 49% a month less with Allstate compared to Amica Mutual, and those with "poor" scores typically save an average of about 49% a month.

Is Allstate or Amica Mutual Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a big impact on your monthly auto insurance bill? Normally, those who drive fewer miles will end up with more affordable premiums since there's less of a chance of causing a collision and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Amica Mutual charges. However, there's a small difference in monthly prices for Allstate, with policyholders who drive 6,000 miles yearly paying around $3 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Allstate is the cheaper carrier.

Allstate or Amica Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a pretty big impact on your monthly car insurance payment. Generally, those who live in rural areas will pay less than drivers in urban areas since there are a lot fewer vehicles on the road where they live, which lowers the chances of an accident.

When comparing these two carriers side-by-side, Allstate usually comes out as the lowest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Allstate's average rates are about $186 less than Amica Mutual Insurance. People who live in suburban areas pay around $149 less with Allstate compared to Amica Mutual. Those in rural areas can expect to save about $147 with Allstate compared to Amica Mutual.

Allstate vs. Amica Mutual Discounts

You want to save as much money as you can, right? The best way to do that is by taking advantage of as many insurance discounts as possible.

But with what seems like a million different discounts out there, it can be challenging to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts Allstate and Amica Mutual offer their customers so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Allstate knocks Amica Mutual out of the park when it comes to the sheer number of discounts available, offering 40 more discounts than Amica Mutual.

There are a couple discounts both companies offer, but Allstate also offers discounts for ABS, advance quote, agency transfer, and more.

Amica Mutual's discounts come through just.

Final Thoughts: Is Allstate or Amica Mutual Best for You?

So, you've seen how different factors can affect your auto insurance premiums. We've broken down the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, which company is the right one for you and your specific driver profile?

Allstate might be best for you if....

• You already have plans to move to another state -- Amica Mutual Insurance only offers policies in four states.
• You're looking for the best prices on liability only coverage.
• You're of retirement age and want to take advantage of lower rates.

Amica Mutual might be best for you if...

• You're looking for the best rates in CT, MA, NJ, and RI.

Hopefully, this guide helps you get a better idea of the difference between Allstate and Amica Mutual and that you can now make a more informed decision when it comes to your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several carriers, not just Allstate and Amica Mutual. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top insurance companies in your area, all in just a few minutes.

Allstate vs. Amica Mutual FAQs

Is Allstate or Amica Mutual cheaper?

Allstate is the less expensive of the two carriers when looking at national average premiums, with policies averaging $199 per month with Allstate and $359 for Amica Mutual. Even so, that doesn't mean Allstate will be the cheapest carrier for everyone, since there are multiple different variables that are considered when it comes to your car insurance bill.

Who is better, Allstate or Amica Mutual?

Unfortunately, the real answer is "it depends.". One company is not "better" for everyone -- it all boils down to your unique auto insurance profile.

Why do Allstate and Amica Mutual offer me different rates?

Insurance companies use several different factors when calculating the prices they charge. Things like age, gender, where you call home, your driving record, and sometimes even things like your credit score can all come into play. Both Allstate and Amica Mutual calculate premiums using different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if Allstate or Amica Mutual is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top insurance carriers for free. That way, you can guarantee you're getting the lowest rate. And maybe you'll find that the best carrier for you isn't Allstate or Amica Mutual at all, but another you hadn't even thought of!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.