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

You've probably seen ads offering big savings on car insurance, but are Amica Mutual or Arbella right for you? Which carrier offers the most affordable premiums, or the most discounts? Read on to see how Amica Mutual and Arbella compare, and to find out which company is the best one for you, your vehicle, and your budget.
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Quick Facts

  • Based on national averages for auto insurance, Arbella offers significantly less expensive prices than Amica Mutual
  • Amica Mutual offers more affordable rates for drivers who have below-average credit
  • Arbella offers cheaper average prices for policyholders who live in urban areas

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

So, you're thinking about switching to a new insurance policy. With so many ads from all sorts of companies offering huge savings, you're probably wondering exactly how much you might be able to save.

You might be considering Amica Mutual or Arbella as potential options, but which company will offer you more affordable rates?

Amica Mutual Arbella

As you can see, Arbella has average rates that are around 60% a month less expensive than those from Amica Mutual when looking at the national average rates for insurance.

That being said, that doesn't necessarily mean Arbella will be the cheaper option for every single driver. Auto insurance carriers use all sorts of complex algorithms to determine premiums, so depending on where you live or how clean your driving record is (among multiple other factors), you could see wildly different prices from the ones above.

Wanting to know if Amica Mutual or Arbella is really the right carrier for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

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

State Amica Mutual Arbella

Amica Mutual and Arbella only compete against each other in Massachusetts, where Arbella offers the cheaper average rates. Arbella drivers tend to pay about $53 per month less on average compared to drivers who use Amica Mutual for their car insurance.

There are plenty of other factors that go into your insurance payment than just your home state. Read on to find out more.

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Which is the Best Company For Young Drivers?

Amica Mutual Arbella
18-year-old drivers$700$351
25-year-old drivers$288$128

Young drivers -- especially teens -- generally pay a lot for auto insurance compared to older drivers. Usually, that's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use Arbella save almost 50% a month compared to those who use Amica Mutual.

Even so, both companies will lower prices by the time drivers turn 25. For example, average premiums for Amica Mutual policyholders reduce about $400 and Arbella's rates drop over $200 over that time.

Which is the Best Company for Retired Drivers?

Amica Mutual Arbella
65+-year-old drivers$345$94

Drivers around retirement age typically enjoy some of the cheapest insurance prices out there. After all, they've likely been driving for quite some time, which normally reduces their chances of collisions and other infractions that can raise rates.

When looking at Amica Mutual and Arbella specifically, which company is best for retired drivers? Arbella gets the edge, with premiums for drivers 65 and older $251 more affordable than the national average for Amica Mutual.

Which is the Best Company for Married Drivers?

Amica Mutual Arbella

You may not be aware, but car insurance prices tend to be more expensive for those who are single than they are for married couples. That's usually because married policyholders tend to own and insure more than one vehicle, which can often earn you a discount.

For single policyholders, the difference in average rates between these two carriers is significant, with Arbella premiums coming in at around half of Amica Mutual's. For married drivers, the advantage is clear again - Arbella has the edge when it comes to average prices.

Amica Mutual or Arbella: Average Rates by Gender

Amica Mutual Arbella

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to auto insurance men will normally end up paying a little more.

With Amica Mutual, women generally pay about $6 per month less than men; men and women end up paying the same monthly rates with Arbella.

Looking at overall affordability, Arbella offers the lowest average premiums for both men and women, with average rates 59% less for men and 58% cheaper for women.

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

Amica Mutual Arbella
State Minimum*$210$83
Full Coverage**$508$216

*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.

It's no secret that insurance can be a complicated subject for most people. There are so many different coverages and limits that it can make it pretty confusing to find the right policy for you.

However, most policies end up falling into two different types of coverage -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which typically refers to having collision and comprehensive coverages in addition to what you get with a liability policy).

Looking specifically at state minimum limits for liability insurance, Arbella has the significant edge, with average monthly premiums coming in at $83. If you want a full coverage policy with the same state minimum limits, Arbella again has the edge, with policies averaging around $216 a month to Amica Mutual's $508.

Is Amica Mutual or Arbella 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.

Speeding tickets and accidents will most likely raise your prices, but is Amica Mutual or Arbella cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Amica Mutual Arbella
Clean Record$215$117
1 Speeding Ticket$268$125

Policyholders who use Amica Mutual for their auto insurance can generally expect their monthly bill to go up about 20% after getting a speeding ticket. Arbella policyholders can expect a less drastic increase of around 6%.

Even so, Arbella tends to offer the best prices for both drivers who have a recent ticket and those with clean records. With Arbella Insurance, drivers with a clean record can save about $98 per month and drivers with a speeding ticket can save around $143 a month.

Which Company is Best for Drivers After an Accident?

Amica Mutual Arbella
Clean Record$215$117
1 At-Fault Accident$254$151

Both companies will increase premiums pretty significantly if you get into an at-fault collision with Amica Mutual climbing by about 15%. Arbella has a less extreme increase, but you can still expect to pay nearly 25% more than you were prior to your first accident.

At the end of the day, Arbella offers the most affordable prices for drivers with an at-fault collision on their records, with average rates coming in at $151 compared to Amica Mutual Insurance's $254.

Which Company is Best for Drivers with a DUI?

Amica Mutual Arbella
Clean Record$215$117
1 DUI$699$206

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. For example, Amica Mutual increases average premiums by nearly $500 per month -- that's just under a 70% increase.

But if you end up with a DUI charge and are looking for more affordable rates, Arbella tends to be more affordable for the average driver, with monthly premiums coming in at around $206 to Amica Mutual's $699.

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How does Credit Score Impact Amica Mutual and Arbella Rates?

In many cases, your credit score can be used as one of the variables to calculate your monthly insurance prices. This isn't true for everyone (Michigan, for example, has banned the use of credit score as an auto insurance factor) but it does affect lots of drivers out there.

Car insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

So, which carrier offers the cheapest premiums for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Amica Mutual Arbella
Excellent Credit Score$249No Data Available
Good Credit Score$299No Data Available

You'll often be rewarded if you have great credit. Improving your "good" credit score to an "excellent" one will typically save Amica Mutual Insurance customers about 15%. On the other hand, because undefined doesn't have data available for credit scores, they most likely don't use credit to calculate your rates.

Which Company is Best for Drivers with Bad Credit?

Amica Mutual Arbella
Fair Credit Score$400No Data Available
Poor Credit Score$540No Data Available

Having bad credit normally means you'll also see higher prices with Amica Mutual Insurance. If your credit score is in the "poor" range, at Amica Mutual Insurance, you may pay around 25% more a month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). undefined, on the other hand, doesn't have data available for credit scores, which means drivers with bad credit may find better rates with undefined over Amica Mutual Insurance.

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

Amica Mutual Arbella
6,000 Annual Miles$359$142
12,000 Annual Miles$359$157

The amount of time you spend behind the wheel of your car plays a big role in how much auto insurance companies will charge for coverage. Usually, those who drive fewer miles will end up with less expensive 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 rates for Arbella, with policyholders who drive the least paying about $15 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, Arbella is the more affordable company.

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

Where you park your car can play a pretty big role in how much you pay for car insurance. Normally, those who live in urban areas will pay more than policyholders in rural areas because of the number of vehicles that are on the roads where they live.

Amica Mutual Arbella
Urban Areas$408$186
Suburban Areas$348$168
Rural Areas$321$96

Arbella boasts the most affordable average prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

If you live in a rural area, you can expect to pay around $96 monthly with Arbella and $321 with Amica Mutual. Drivers in suburban ZIP codes pay about $168 with Arbella compared to Amica Mutual's $348 per month. In urban areas, Arbella's average rates are around $186 per month compared to Amica Mutual's $408.

Amica Mutual vs. Arbella Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you can take advantage of.

Luckily, we did the hard work for you and compared all of the different discounts offered by Amica Mutual and Arbella so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Amica Mutual Arbella
Annual Mileage Discount 
Anti-Theft Discount 
Continuous Insurance Discount 
Distant Student Discount 
Driver Training Discount 
Good Driving Discount 
Good Student Discount 
Group Discount 
Hybrid Vehicle Discount 
Marketing Partner Discount 
Mature Driver Discount 
Military Discount 
Multi-Car Discount 
Multi-Policy Discount 
Online Quote Discount 
Paid In Full Discount 
Passive Restraint Discount 
Renewal Discount 

Arbella knocks Amica Mutual out of the park when it comes to the sheer number of discounts available, offering 18 different discounts to Amica Mutual's 18.

A couple of those are overlapping for things like. Arbella also offers discounts for annual mileage, anti-theft, continuous insurance, and more.

Amica Mutual's discounts come through just.

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

You've seen the role certain factors have on your auto insurance and the different discounts carriers offer. But, when it comes down to it, which insurance company is the right carrier for you and your specific driver profile?

Arbella might be best for you if....

  • You have a clean driving record, free of collisions, tickets, or DUIs.
  • You're looking for discounts -- Arbella has the most.
  • You drive fewer than 12,000 miles annually.

Amica Mutual might be best for you if...

  • You're worried about the impact your credit score will have on your prices.
  • You have above-average credit.

Hopefully, this guide helps you get a better idea of the difference between Amica Mutual and Arbella. We also hope we've given you the information you need to make the best decision about your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple companies, not just Amica Mutual and Arbella. Luckily, sites like do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top auto insurance carriers in your area, all in just a few minutes.

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Amica Mutual vs. Arbella FAQs

Is Amica Mutual or Arbella cheaper?

Arbella is the less expensive of the two companies when looking at national average rates, with policies averaging $150 a month with Arbella and $359 for Amica Mutual. That being said, that doesn't mean Arbella will be the cheapest carrier for everyone, since there are a variety of different variables that come into play when it comes to your car insurance bill.

Who is better, Amica Mutual or Arbella?

Unfortunately, the only answer we can give you is "it depends.". Neither company is "better" for every policyholder -- it all depends on what your unique insurance profile looks like. For example, Amica Mutual is cheaper for drivers who have less-than-stellar credit scores, while Arbella offers more affordable premiums for drivers with an at-fault accident on their record.

Why do Amica Mutual and Arbella offer me different rates?

Auto insurance carriers use many different factors when determining the prices they charge. Things such as age, your driving record, where you call home, gender, and sometimes even things like your credit score can all be used. Both Amica Mutual and Arbella use different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from many different companies.

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

The only way to find the car insurance company that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, makes it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the cheapest premium. And maybe you'll find that the best carrier for you isn't Amica Mutual or Arbella at all, but another you hadn't even thought of!


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.

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