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

Quick Facts

• In general, Amica Mutual offers significantly more affordable rates than Encompass
• Amica Mutual offers more affordable premiums for policyholders who live in suburban areas
• Encompass may help you save more money -- they offer more discounts than Amica Mutual Insurance

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

So, you're considering switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering considerable savings. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Amica Mutual or Encompass, but between the two, which company will offer you less expensive prices?

Looking at nationwide averages, Amica Mutual has average rates that are around 23% a month cheaper than those from Encompass.

But that doesn't necessarily mean Amica Mutual will be the less expensive option for every driver. Auto insurance carriers use a ton of complex algorithms to determine rates, so depending on how good your credit score is or how clean your driving record is (among an array of other factors), you could see wildly different premiums from the ones above.

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

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

Amica Mutual and Encompass only compete against each other in three states, with Amica Mutual offering cheaper premiums to the average driver in all of them. Connecticut has the most noticable difference, where Amica Mutual prices are $299 more affordable than car insurance rates at Encompass.

There's a lot more that goes into your auto insurance payment than just where you live. Read on to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance prices of any group on the road. Generally, that's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Amica Mutual for their car insurance pay almost 40% less than those who use Encompass.

However, with both companies, you'll see your rates reduce significantly once you turn 25. For example, average premiums for Amica Mutual policyholders drop about $400 and Encompass's prices decrease over $500 over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest rates you'll ever find.

So, which company offers the best prices to retired drivers? In this case, Encompass has the slight edge, with premiums around $10 per month less than Amica Mutual. Even so, that difference is less than 5%, which means it ultimately will come down to other variables, like your credit score or where you live.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive auto insurance rates than married couples. That's normally because married drivers tend to own and insure more than one vehicle, which can often earn you a discount.

For single policyholders, the difference in average premiums between these two carriers is significant, with Amica Mutual prices coming in at a third less than Encompass's. But for married policyholders, that advantage is much less clear - Amica Mutual has the edge when it comes to average premiums , but the difference is only a dollar.

Amica Mutual or Encompass: Average Rates by Gender

Men are statistically more likely than women to get into accidents and get tickets, which means they'll typically end up paying more for car insurance than women.

Generally, men see prices about $6 a month higher with Amica Mutual, and around $25 with Encompass.

Looking at overall affordability, Amica Mutual comes out on top for both men and women, with average rates $115 less for men and $98 cheaper for women.

Amica Mutual vs. Encompass: 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.

It's no secret that auto insurance can be a complicated subject for most people. Everyone needs insurance, but there are so many different limits and coverages that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability coverage).

Looking specifically at state minimum liability insurance, Amica Mutual has the significant edge, with average monthly premiums coming in at $210. If you want a full coverage policy with the same state minimum limits, Amica Mutual again has the edge, with policies averaging about $508 per month to Encompass's $629.

Is Amica Mutual or Encompass 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.

It's no secret secret that speeding tickets and at-fault collisions lead to higher prices, but which carrier -- Amica Mutual or Encompass -- has the lowest rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Amica Mutual for their insurance can usually expect their monthly bill to go up around 20% after getting a speeding ticket. Encompass policyholders can expect a bit more drastic of an increase of about 21%.

That being said, Amica Mutual tends to offer the best prices for both drivers who have a recent ticket and those with clean records. With Amica Mutual Insurance, drivers with a clean record can save around $12 a month and drivers with a speeding ticket can save about $20 per month.

Which Company is Best for Drivers After an Accident?

Both companies will raise premiums pretty significantly if you get into an at-fault collision with Encompass increasing by around 31%. Amica Mutual has a less extreme rise, but you can still expect to pay more than 15% more than you were prior to your first accident.

At the end of the day, Amica Mutual offers the most affordable prices for drivers with an at-fault collision on their records, with average rates coming in at $254 compared to Encompass Insurance's $328.

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 auto insurance bill -- typically a lot more than an accident or ticket. Encompass drivers usually see a 78% raise in their car insurance premiums after a DUI charge, while Amica Mutual will usually climb rates by about 69%.

How does Credit Score Impact Amica Mutual and Encompass Rates?

You may not have known, but your credit score can be used as one of the factors to calculate your monthly auto insurance prices. This isn't true for everyone (for example, Hawaii and Michigan are two states that ban the practice entirely), but it does affect several drivers out there.

Insurance carriers argue that those with good credit scores are more likely to pay their bills on time every month, which lowers the risk involved on their end, while the opposite is true for those with bad credit.

So, which company offers the best rates for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Amica Mutual or Encompass 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 large impact on your monthly auto insurance bill? Normally, 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 prices for Encompass, with policyholders who drive 6,000 miles each year paying around $2 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Amica Mutual is the cheaper carrier.

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

Where your home is can have a substantial impact on your monthly insurance cost. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

When comparing these two companies side-by-side, Amica Mutual typically comes out as the lowest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to pay about $321 a month with Amica Mutual and $404 with Encompass. People in suburban areas pay a monthly premium of around $348 with Amica Mutual compared to $434 with Encompass. In urban areas, Amica Mutual's average prices are about $408 while Encompass offers rates around $560.

Amica Mutual vs. Encompass 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 hard to find all the of the ones you're eligible for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Amica Mutual and Encompass so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Encompass blows Amica Mutual away when it comes to the sheer amount of discounts available, offering 26 different discounts to Amica Mutual's zero.

A couple of those are overlapping for things like. Encompass also offers discounts for ABS, advance quote, anti-theft, and more.

Amica Mutual's discounts come through just.

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

So, we've broken down the average prices for many of the variables car insurance carriers look at, and walked through the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, is Amica Mutual or Encompass the best carrier for you and your specific needs?

Amica Mutual might be best for you if....

• You want to save money on your auto insurance after an accident.
• You have below-average credit.
• You're married and plan to have both of your names on the vehicle's insurance policy.

Encompass might be best for you if...

• You value the experience that comes with a large national car insurance company.
• You want to save extra money with discounts.
• You're of retirement age and want to take advantage of lower rates.

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

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on car insurance -- comparing quotes from a handful of companies, not just Amica Mutual and Encompass. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.

Amica Mutual vs. Encompass FAQs

Is Amica Mutual or Encompass cheaper?

Amica Mutual is the more affordable of the two companies when looking at national average premiums, with policies averaging $359 a month with Amica Mutual and $466 for Encompass. Even so, that doesn't mean Amica Mutual will be the cheapest carrier for everyone, since there are a variety of different factors that come into play when it comes to your car insurance bill.

Who is better, Amica Mutual or Encompass?

Unfortunately, the only answer we can give you is "it depends.". One company is not necessarily "better" for everyone -- it all comes down to what your unique auto insurance profile looks like. For example, Encompass is cheaper for drivers who have already retired, while Amica Mutual offers more affordable prices for single drivers.

Why do Amica Mutual and Encompass offer me different rates?

Insurance carriers use lots of different variables when determining the rates they charge. Factors such as where you park your vehicle, gender, age, where you live, and sometimes even things like your credit score can all come into play. Both Amica Mutual and Encompass 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 several different companies.

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

The only way to find the auto 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, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best carrier for you isn't Amica Mutual or Encompass 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.