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

How do Amica Mutual and Foremost compare when it comes to insurance prices and discounts? If you want to find out which carrier has the best premiums for your unique profile, check out our latest guide below.
Newly insured car driving down the road
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Quick Facts

  • In general, Foremost offers significantly more affordable rates than Amica Mutual
  • Amica Mutual offers less expensive average prices for policyholders whose driving record contains an at-fault collision
  • Foremost tends to be a much cheaper option for policyholders who live in suburban areas

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

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

You've maybe even narrowed your search down to Amica Mutual or Foremost as potential options, but which carrier will offer you less expensive rates?

Amica Mutual Foremost

As you can see, Foremost is around $89 a month more affordable than Amica Mutual when looking at the national average rates for auto insurance.

However, that doesn't necessarily mean Foremost will be the cheaper option for each driver. Car insurance carriers use a variety of complex algorithms to determine premiums, so depending on how good your credit score is or how old you are (among quite a few other factors), you could see wildly different rates from the ones above.

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

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

State Amica Mutual Foremost

Amica Mutual and Foremost only compete against each other in one states, with Foremost offering less expensive premiums to the average driver in all of them. New Jersey has the most noticable difference, where Foremost rates are $34 cheaper than insurance prices at Amica Mutual.

That being said, there's a lot more that goes into your auto insurance cost than just where you call home. Read on to find out more.

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Which is the Best Company For Young Drivers?

Amica Mutual Foremost
18-year-old drivers$700$572
25-year-old drivers$288$228

Teen drivers will almost always have the most expensive car insurance premiums of any group on the road. The reason is that 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 rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Foremost for their insurance pay almost 20% less than those who use Amica Mutual.

That being said, with both companies, you'll see your prices drop significantly once you turn 25. Foremost offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Amica Mutual's average premiums reduce nearly 60% during that same period.

Which is the Best Company for Retired Drivers?

Amica Mutual Foremost
65+-year-old drivers$345$219

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

When looking at Amica Mutual and Foremost specifically, which carrier is best for retired drivers? Foremost gets the edge, with premiums for drivers 65 and older $126 more affordable than the national average for Amica Mutual.

Which is the Best Company for Married Drivers?

Amica Mutual Foremost

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 premiums between these two carriers is significant, with Foremost prices coming in at a quarter less than Amica Mutual's. The advantage is also clear for married drivers - Foremost offers the most affordable average rates.

Amica Mutual or Foremost: Average Rates by Gender

Amica Mutual Foremost

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

Normally, men see premiums about 2% per month higher with Amica Mutual, and around 1% with Foremost.

Looking at the data for each company specifically, Foremost comes out as the cheapest option for both genders, with average prices 25% less for men and 25% cheaper for women.

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

Amica Mutual Foremost
State Minimum*$210$173
Full Coverage**$508$366

*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 lots of different coverages that account for many 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.

Even so, the most common policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers if you cause an accident) and full coverage (which typically refers to having collision and comprehensive coverages in addition to liability coverage).

Looking specifically at state minimum liability limits, Foremost has the edge, with average monthly rates coming in at $173. If you want a full coverage policy with the same state minimum limits, Foremost again has the edge, with policies averaging about $366 a month to Amica Mutual's $508.

Is Amica Mutual or Foremost 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.

You'll probably end up paying more with speeding tickets and at-fault collisions on your record, but which of these two companies offers the lowest premiums to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Amica Mutual Foremost
Clean Record$215$202
1 Speeding Ticket$268$258

Policyholders who use Amica Mutual for their insurance can generally expect their monthly bill to go up around 20% after getting a speeding ticket. Foremost policyholders can expect a bit more drastic of an increase of about 22%.

But Foremost tends to offer the best prices for drivers both with a ticket and with a clean record, offering prices that are 6% and 4% cheaper, respectively, compared to Amica Mutual Insurance.

Which Company is Best for Drivers After an Accident?

Amica Mutual Foremost
Clean Record$215$202
1 At-Fault Accident$254$381

Amica Mutual drivers who get in a collision can expect to see their rates rise by just under $40, while those who have insurance through Foremost will see around a $200 increase.

At the end of the day, the less expensive premiums come from Amica Mutual, with average prices coming in at $254 compared to Foremost Insurance Group's $381.

Which Company is Best for Drivers with a DUI?

Amica Mutual Foremost
Clean Record$215$202
1 DUI$699$238

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even an accident. On average, Amica Mutual will climb your rates about 69% after a DUI, while Foremost's average prices climb by more than 15%.

But if you end up with a DUI charge and are looking for more affordable premiums, Foremost tends to be more affordable for the average driver, with monthly premiums coming in at around $238 to Amica Mutual's $699.

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How does Credit Score Impact Amica Mutual and Foremost Rates?

Did you know many car insurance carriers take into account your credit score when determining rates? Certain states and companies do not allow for credit score to be used as an auto insurance factor, but it will come into play for many policyholders.

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

Looking specifically at Amica Mutual and Foremost, which one has the best prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Amica Mutual Foremost
Excellent Credit Score$249$236
Good Credit Score$299$261

If you have a great credit score, Foremost will normally reward you the most. For policyholders with "excellent" credit scores, Foremost comes in NaN cheaper. Drivers with "good" credit scores typically save about 13% with Foremost compared to average rates from Amica Mutual.

Which Company is Best for Drivers with Bad Credit?

Amica Mutual Foremost
Fair Credit Score$400$277
Poor Credit Score$540$306

Foremost typically offers lower premiums than Amica Mutual when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 31% per month less with Foremost compared to Amica Mutual, and those with "poor" scores usually save an average of about 43% per month.

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

Amica Mutual Foremost
6,000 Annual Miles$359$270
12,000 Annual Miles$359$270

The amount of time you spend behind the wheel of your car plays a big role in your monthly insurance bill. That's because the more milage you drive, the more likely you are to be in a collision and file an insurance claim.

In this case, neither Amica Mutual or Foremost report increasing rates for drivers with higher annual mileage figures. That being said, Foremost comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car each year, with average prices of $270 a month for both.

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

Where you live can have a considerable impact on your monthly car insurance payment. Generally, those who live in urban areas will pay more than drivers in rural areas since there are a lot more vehicles on the road where they live, which increases the chances of an accident.

Amica Mutual Foremost
Urban Areas$408$318
Suburban Areas$348$287
Rural Areas$321$205

When comparing these two companies side-by-side, Foremost normally 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 save around $116 with Foremost compared to Amica Mutual. People who live in suburban areas pay about $61 less with Foremost compared to Amica Mutual. For policyholders in urban ZIP codes, Foremost Insurance Group's average rates are around $90 less than Amica Mutual Insurance.

Amica Mutual vs. Foremost 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. That's where insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be difficult 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 Amica Mutual and Foremost offer their customers so that you can see which company can save you the most money each month.

Amica Mutual Foremost
Advance Quote Discount 
Anti-Theft Discount 
Defensive Driver Discount 
Distant Student Discount 
EFT Discount 
Good Driving Discount 
Minor Child Discount 
Multi-Car/Single Driver Discount 
Multi-Policy Discount 
Paid In Full Discount 
Paperless Discount 
Prior Carrier Discount 

Foremost blows Amica Mutual away when it comes to the sheer amount of discounts available, offering 12 different discounts to Amica Mutual's zero.

Both carriers offer many of the same discounts -- like -- but Foremost also offers discounts for advance quote, anti-theft, defensive driver, and more.

Amica Mutual's discounts come through just.

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

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

Foremost might be best for you if....

  • You've been pulled over for speeding recently.
  • You're looking for the best premiums on liability only coverage.
  • You live in a rural neighborhood.

Amica Mutual might be best for you if...

  • Your driving record contains an at-fault accident.

Hopefully, this guide helps you get a good idea of the differences between Amica Mutual and Foremost and that it aids in making a more informed decision about your auto insurance.

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

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Amica Mutual vs. Foremost FAQs

Is Amica Mutual or Foremost cheaper?

Foremost is the less expensive of the two carriers when looking at national average rates, with policies averaging $270 per month with Foremost and $359 for Amica Mutual. That being said, that doesn't mean Foremost will be the most affordable company for every policyholder, since there are a variety of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Amica Mutual or Foremost?

Unfortunately, the real answer is "it depends.". No one carrier is necessarily "better" for everyone -- it all depends on what your unique insurance profile looks like. For example, Foremost is more affordable 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 Foremost offer me different rates?

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

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

The only way to find the car insurance carrier 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 make it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top insurance carriers 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 Foremost 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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