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

Quick Facts

• In general, Esurance offers less expensive rates than Amica Mutual
• Amica Mutual offers more affordable prices for policyholders whose driving record contains an at-fault collision
• Esurance has cheaper premiums for policyholders who live in rural neighborhoods

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

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

You might have narrowed your search down to Amica Mutual or Esurance for your next policy, but between the two, which company has more affordable rates for insurance?

Looking at the national average rates for both carriers, Esurance is around $60 a month less expensive than Amica Mutual.

Even so, that doesn't necessarily mean Esurance will be the more affordable option for every single driver. After all, car insurance companies can offer drastically different rates to every driver depending on rating factors like your credit score, your driving record, where you call home, or even your age (among other things), so prices will vary quite a bit from person to person.

So, if you want to find out which of Amica Mutual or Esurance is really the best for you, keep reading to see average rates for each carrier broken down by a bunch of different rate factors.

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

Amica Mutual and Esurance only compete against each other in one states, with Esurance offering cheaper premiums to the average driver in all of them. New Jersey has the most noticable difference, where Esurance prices are $130 less expensive than insurance rates at Amica Mutual.

That being said, there are plenty of other factors that go into your auto insurance bill than just where you live. Read on to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for car insurance than any other group of drivers. It's typically because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

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 insurance pay over 2% less than those who use Esurance.

That being said, both carriers will offer you dramatically lower prices once you turn 25. Esurance offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Amica Mutual's average rates reduce almost 60% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the most affordable auto insurance prices out there. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for car insurance.

So, which company offers the best rates to retired drivers? Esurance gets the edge, with prices for drivers 65 and older $113 more affordable than the national average for Amica Mutual.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are normally more expensive for single policyholders than they are for married drivers? That's because policies for married couples usually cover more than one vehicle, which several companies will give you a discount for.

For those who are single, the difference in average rates between these two carriers is not very significant, with Esurance prices coming in at about 6% less than Amica Mutual's. But for married policyholders, the advantage is clear - Esurance offers the lowest average premiums.

Amica Mutual or Esurance: Average Rates by Gender

Men are statistically more likely than women to get into collisions and file an insurance claim. That means when it comes to auto insurance men will generally end up paying a little more.

With Amica Mutual, men typically pay around 2% more per month than women., but with Esurance, the difference is closer to 7% a month.

When it comes to the cheapest prices for each gender, Esurance comes out on top for both men and women. On average, male drivers save about $53 per month and women save about $68 with Esurance compared to the average Amica Mutual policyholder.

Amica Mutual vs. Esurance: 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.

For most people, insurance can be pretty complicated. There are lots of different coverages that account for several different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

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

Looking specifically at state minimum limits for liability insurance, Esurance has the slight edge, with average monthly premiums coming in at $201. If you want a full coverage policy with the same state minimum limits, Esurance again has the edge, with policies averaging around $396 a month to Amica Mutual's $508.

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

It's no secret -- drivers with good records end up getting the best deals on their auto 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 at-fault accidents will most likely raise your rates, but is Amica Mutual or Esurance cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Amica Mutual for their car insurance can normally expect their monthly bill to go up about 20% after getting a speeding ticket. Esurance policyholders can expect a less drastic increase of around 16%.

However, Amica Mutual has more affordable prices for drivers in both categories, offering rates that are 11% and 7% cheaper, respectively, compared to Esurance.

Which Company is Best for Drivers After an Accident?

Amica Mutual drivers who get in a collision can expect to see their premiums increase by over 15%, while those who have insurance through Esurance will see about a 35% increase.

At the end of the day, the less expensive prices come from Amica Mutual, with average premiums coming in at $254 compared to Esurance's $364.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your insurance bill. For example, Amica Mutual increases average rates by nearly $500 per month -- that's nearly a 70% increase.

How does Credit Score Impact Amica Mutual and Esurance Rates?

Did you know many car insurance companies take into account your credit score when determining prices? Certain states and carriers do not allow for credit score to be used as an auto insurance factor, but it does affect lots of policyholders out there.

The reasoning auto insurance companies use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper premiums, while those with poor credit will generally be forced to pay more.

Looking at Amica Mutual and Esurance specifically, which carrier has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a pretty big impact on your monthly insurance cost. That's because the fewer miles you put on your vehicle, the less likely you are to be in an accident and file 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 premiums for Esurance, with drivers who put 6,000 miles on their car yearly paying around $1 less each month compared to those who drive 12,000 miles every year. Still, for drivers in both categories, Esurance is the more affordable carrier.

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

Where your home is can have a sizable impact on your monthly auto insurance payment. Typically, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders because of the small number of vehicles that are on the roads where they live.

Esurance boasts the most affordable average rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to pay about $211 per month with Esurance and $321 with Amica Mutual. Drivers in suburban ZIP codes pay a monthly rate of around $288 with Esurance compared to $348 with Amica Mutual. For drivers in urban ZIP codes, Esurance's average prices are about $396 while Amica Mutual offers premiums around $408.

Amica Mutual vs. Esurance Discounts

No matter why you might be in the market for a new car 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 taking advantage of as many insurance discounts as possible.

The challenging part is finding all of the discounts you can take advantage of, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and looked at all of the different discounts Amica Mutual and Esurance offer their customers so that you can find the one that has the most discounts and, therefore, the largest savings.

Esurance knocks Amica Mutual out of the park when it comes to the sheer number of discounts available, offering 24 different discounts to Amica Mutual's 24.

A couple of those are overlapping for things like. Esurance also offers discounts for ABS, advance quote, agency transfer, and more.

Amica Mutual's discounts come through just.

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

You've seen the role certain variables have on your auto insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, which carrier is the right fit for you?

Esurance might be best for you if....

• You will be the only person on the car insurance policy.
• You want the most robust protection via a "full coverage" policy.
• You don't spend much time in your car.

Amica Mutual might be best for you if...

• You have received a ticket within the last few years.
• You want to save money on your auto insurance after a collision.
• You want to save money while purchasing car insurance for a teenager.

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

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several companies, not just Amica Mutual and Esurance. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

Amica Mutual vs. Esurance FAQs

Is Amica Mutual or Esurance cheaper?

Esurance is the cheaper of the two companies when looking at national average rates, with policies averaging $299 a month with Esurance and $359 for Amica Mutual. But that doesn't mean Esurance will be the lowest company for everyone, since there are a range of different factors that come into play when it comes to your insurance bill.

Who is better, Amica Mutual or Esurance?

Unfortunately, the only answer we can give you is "it depends.". One carrier is not necessarily "better" for everyone -- it all comes down to what your unique car insurance profile looks like. For example, Esurance is less expensive for drivers who have less-than-stellar credit scores, while Amica Mutual offers cheaper prices for drivers with an at-fault collision on their record.

Why do Amica Mutual and Esurance offer me different rates?

Auto insurance carriers use a lot of different variables when calculating the rates they charge. Factors such as where you park your car, where you call home, gender, age, and sometimes even things like your credit score can all be used. Both Amica Mutual and Esurance use different formulas, so it's likely they'll offer different premiums. The best way to determine which company is the cheapest for you is by comparing personalized quotes from multiple different companies.

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

The only way to find the insurance carrier that's right for you is by getting quotes from a handful of carriers 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 area information and you'll get quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't Amica Mutual or Esurance 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.