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

You've probably seen ads offering big savings on insurance, but are Amica Mutual or Grange right for you? Which carrier offers the lowest prices, or the most discounts? Read on to see how Amica Mutual and Grange compare, and to find out which company is the best one for you, your vehicle, and your budget.
Newly insured car driving down the road
Why You Can Trust trust shield

At, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust

Quick Facts

  • In general, Grange offers significantly cheaper rates than Amica Mutual
  • Amica Mutual has less expensive premiums for policyholders whose driving record contains an at-fault collision
  • Grange offers more affordable average prices for policyholders who drive fewer than 12,000 miles annually

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

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering big savings. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Amica Mutual or Grange, but which carrier will save you the most?

Amica Mutual Grange

Looking at the national average rates for both carriers, Grange has average rates that are around 30% a month less expensive than those from Amica Mutual.

But Grange may not be the cheapest or best option for each driver out there. After all, car insurance companies can offer drastically different rates to every driver depending on rating factors like your credit score, where you call home, your driving record, or even your age (among other things), so rates will change quite a bit from person to person.

Luckily, we've broken down average premiums from both Amica Mutual and Grange by a variety of different rate factors, so read on to find out which carrier is the best for you.

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

State Amica Mutual Grange

Amica Mutual and Grange only compete against each other in one states, with Amica Mutual offering cheaper prices to the average driver in all of them. Massachusetts has the most noticable difference, where Amica Mutual premiums are $63 more affordable than auto insurance rates at Grange.

But there's more to insurance than just the state you live in. As we mentioned above, there's a lot of things that go into how car insurance carriers determine your prices. Continue reading to see how other variables will affect your rates.

Find your best rate in just a few minutes

Which is the Best Company For Young Drivers?

Amica Mutual Grange
18-year-old drivers$700$551
25-year-old drivers$288$205

You might already know that teen drivers normally pay a lot more for insurance than any other group of drivers 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 car insurance premiums. As you can see above, teens who use Grange save almost 20% per month compared to those who use Amica Mutual.

That being said, both companies will offer you dramatically lower rates once you turn 25. For example, average premiums for Amica Mutual policyholders decrease nearly 60% and Grange's prices reduce almost 65% over that time.

Which is the Best Company for Retired Drivers?

Amica Mutual Grange
65+-year-old drivers$345$200

Drivers around retirement age generally enjoy some of the most affordable auto insurance rates you'll ever find. After all, they've likely been driving for quite some time, which typically decreases their chances of collisions and other infractions that can raise premiums.

When looking at Amica Mutual and Grange specifically, which company is best for retired drivers? Grange gets the edge here, with average prices coming in at about $200 a month compared to Amica Mutual's $345.

Which is the Best Company for Married Drivers?

Amica Mutual Grange

You may not be aware, but car insurance rates tend to be less expensive for married couples than they are for single drivers. That's because policies for married drivers usually cover multiple vehicles, which several carriers will give you a discount for.

For those who are single, the difference in average premiums between these two companies is significant, with Grange prices coming in at a quarter less than Amica Mutual's. The advantage for married policyholders with Grange is also obvious, where drivers save around $150 a month.

Amica Mutual or Grange: Average Rates by Gender

Amica Mutual Grange

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 typically end up paying a little more.

With Amica Mutual, men usually pay about 2% more per month than women., and around 5% with Grange.

Looking at overall affordability, Grange comes out as the cheapest option for both genders. On average, women save about $113 a month and men save about $107 with Grange compared to the average Amica Mutual policyholder.

Find your best rate in just a few minutes

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

Amica Mutual Grange
State Minimum*$210$185
Full Coverage**$508$313

*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 pretty complicated. Everyone needs auto insurance, but there are so many different coverages and limits that it can be hard to find the right policy for you.

However, most policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which normally refers to having collision and comprehensive coverages in addition to what you get with liability).

Looking specifically at state minimum liability insurance, Grange has the edge, with average monthly rates coming in at $185. If you want a full coverage policy with the same state minimum limits, Grange again has the edge, with policies averaging around $313 per month to Amica Mutual's $508.

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

You've probably seen plenty of commercials from car insurance carriers offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

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

Which Company is Best for Drivers with Speeding Tickets?

Amica Mutual Grange
Clean Record$215$180
1 Speeding Ticket$268$235

Policyholders who use Amica Mutual for their insurance can generally expect their monthly bill to go up about 20% after getting a speeding ticket. Grange policyholders can expect a bit more drastic of an increase of around 23%.

Even so, Grange has cheaper premiums for drivers in both categories -- their rates are around 16% more affordable for drivers with clean records and 12% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Amica Mutual Grange
Clean Record$215$180
1 At-Fault Accident$254$266

Amica Mutual drivers who get in an accident can expect to see their rates climb by over 15%, while those who have insurance through Grange will see about a 30% increase.

At the end of the day, Amica Mutual offers the lowest premiums for drivers with an at-fault accident on their records, with average prices coming in at $254 compared to Grange Insurance's $266.

Which Company is Best for Drivers with a DUI?

Amica Mutual Grange
Clean Record$215$180
1 DUI$699$314

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

But if you end up with a DUI charge and are looking for more affordable rates, Grange tends to be more affordable for the average driver, with monthly premiums coming in at around $314 to Amica Mutual's $699.

Find your best rate in just a few minutes

How does Credit Score Impact Amica Mutual and Grange Rates?

Often times, your credit score can come into play when carriers calculate your monthly bill. This isn't true for everyone (for example, Michigan and Massachusetts are two states that ban the practice entirely), but it will come into play for lots of policyholders.

The reasoning car 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 prices, while those with poor credit will typically be forced to pay more.

So, which carrier offers the most affordable rates for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Amica Mutual Grange
Excellent Credit Score$249$193
Good Credit Score$299$223

Which Company is Best for Drivers with Bad Credit?

Amica Mutual Grange
Fair Credit Score$400$252
Poor Credit Score$540$343

Find your best rate in just a few minutes

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

Amica Mutual Grange
6,000 Annual Miles$359$248
12,000 Annual Miles$359$250

How much you drive can have a pretty big impact on your monthly prices. Usually, those who drive fewer miles will end up with cheaper premiums since there's less of a chance of causing an accident 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 Grange, with policyholders who drive 6,000 miles each year paying about $2 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Grange is the less expensive company.

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

Where you live can play a big role in how much you pay for insurance. Generally, those who live in rural areas will pay less than drivers in urban areas because of the small number of cars that are on the roads where they live.

Amica Mutual Grange
Urban Areas$408$292
Suburban Areas$348$235
Rural Areas$321$220

Grange boasts the lowest average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Grange Insurance's average prices are around 28% less than Amica Mutual Insurance. People who live in suburban areas pay about 32% less with Grange compared to Amica Mutual. Those in rural areas can expect to save around 31% with Grange compared to Amica Mutual.

Amica Mutual vs. Grange 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.

The difficult 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 broke down all of the different discounts offered by both Amica Mutual and Grange so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Amica Mutual Grange
ABS Discount 
Advanced Safety Feature Discount 
Agency Transfer Discount 
Annual Mileage Discount 
Anti-Theft Discount 
Company Car Discount 
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount 
Distant Student Discount 
Driver Training Discount 
Employee Discount 
Good Driving Discount 
Good Student Discount 
Group Discount 
Hybrid Vehicle Discount 
Legacy Discount 
Life Policy Discount 
Mature Driver Discount 
Multi-Car Discount 

Grange blows Amica Mutual away when it comes to the sheer amount of discounts available, offering 28 different discounts to Amica Mutual's zero.

Both carriers offer many of the same discounts -- like -- but Grange also offers discounts for ABS, advanced safety feature, agency transfer, and more.

Amica Mutual's discounts come through just.

Find your best rate in just a few minutes

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

So, we've broken down the average rates for many of the factors 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, which insurance company is the best one for you and your specific needs?

Grange might be best for you if....

  • You will be the only person on the auto insurance policy.
  • You want the most robust protection via a "full coverage" policy.
  • You're of retirement age and want to take advantage of lower premiums.

Amica Mutual might be best for you if...

  • You want to save money on your insurance after a collision.

Hopefully, this guide helps you get a good idea of the differences between Amica Mutual and Grange. We also hope we've given you the information you need to make the best decision when it comes to your car 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 auto insurance -- comparing quotes from several carriers, not just Amica Mutual and Grange. Luckily, sites like make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top insurance companies in your area, all in just a few minutes.

Find your best rate in just a few minutes

Amica Mutual vs. Grange FAQs

Is Amica Mutual or Grange cheaper?

Grange is the more affordable of the two carriers when looking at national average prices, with policies averaging $249 per month with Grange and $359 for Amica Mutual. But that doesn't mean Grange will be the most affordable carrier for everyone, since there are a range of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Amica Mutual or Grange?

Sadly, the real answer is "it depends.". Neither company is necessarily "better" for each policyholder -- it all depends on the makeup of your unique auto insurance profile. For example, Grange is cheaper for drivers who have less-than-stellar credit scores, while Amica Mutual offers more affordable premiums for drivers with an at-fault collision on their record.

Why do Amica Mutual and Grange offer me different rates?

Car insurance companies use many different factors when determining the rates they charge. Variables like age, your driving record, gender, where you park your vehicle, and sometimes even things like your credit score can all be taken into consideration. Both Amica Mutual and Grange calculate prices using different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from lots of different carriers.

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

The only way to find the insurance company that's right for you is by getting quotes from multiple companies 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 auto insurance carriers for free. That way, you can guarantee you're getting the lowest premium. And maybe you'll find that the best carrier for you isn't Amica Mutual or Grange 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.

About's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of's content is ever influenced by the companies and brands we partner with.
  •'s editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes