Amica Mutual vs. Main Street America: Which Company is the Best Fit for You?

Looking for car insurance and wondering if Amica Mutual or Main Street America is the right carrier for you? If so, you're probably wondering which company has the lowest prices or the biggest discounts. Luckily, we've done the heavy lifting for you and compared the two companies to help you find the best deal on your next car insurance policy.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for insurance, Main Street America offers significantly less expensive premiums than Amica Mutual
  • Main Street America offers more affordable rates for policyholders whose driving record contains an at-fault collision
  • Main Street America has cheaper premiums for policyholders who live in urban areas


Amica Mutual or Main Street America: 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 hefty savings, you're probably wondering exactly how much you might be able to save.

You might be considering Amica Mutual or Main Street America, but which carrier will save you the most?

Amica Mutual Main Street America
$359$227

Looking at nationwide averages, Amica Mutual is quite a bit more expensive than Main Street America, with prices averaging $359 a month compared to just $227 with Main Street America.

But that doesn't necessarily mean Main Street America will be the more affordable option for each driver. Car insurance carriers vary their rates depending on things like where you live, how good your credit score is, how old you are, how clean your driving record is, and a ton of other factors, so premiums could differ drastically from person to person.

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

Amica Mutual vs. Main Street America: Average Car Insurance Rates by State

State Amica Mutual Main Street America
RI$403$241

Amica Mutual and Main Street America only compete against each other in one states, with Main Street America offering less expensive rates to the average driver in all of them. Rhode Island has the most noticable difference, where Main Street America premiums are $162 more affordable than auto insurance prices at Amica Mutual.

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 companies determine your rates. Keep reading to learn more.


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Which is the Best Company For Young Drivers?

Amica Mutual Main Street America
18-year-old drivers$700$477
25-year-old drivers$288$219

You might already know that teen drivers normally pay a lot more for insurance than any group out there on the road. That's typically 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 prices, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Main Street America for their auto insurance pay over 30% less than those who use Amica Mutual.

However, with both carriers, you'll see your rates drop significantly by the time you turn 25. For example, average premiums for Amica Mutual policyholders reduce around $400 and Main Street America's prices decrease more than $250 over that time.

Which is the Best Company for Retired Drivers?

Amica Mutual Main Street America
65+-year-old drivers$345$181

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

So, which company offers the best rates to retired drivers? Main Street America gets the edge here, with average premiums coming in at about $181 per month compared to Amica Mutual's $345.

Which is the Best Company for Married Drivers?

Amica Mutual Main Street America
Single$386$265
Married$323$177

Married couples tend to get slightly cheaper car insurance rates than those who are single. That's because policies for married drivers generally cover more than one vehicle, which lots of companies will give you a discount for.

For single policyholders, the difference in average prices between these two carriers is significant, with Main Street America rates coming in at a third less than Amica Mutual's. For married policyholders, the advantage is clear again - Main Street America has the edge when it comes to average premiums.

Amica Mutual or Main Street America: Average Rates by Gender

Amica Mutual Main Street America
Male$362$224
Female$356$230

Men are statistically more likely than women to get into a collision or get pulled over for speeding. That means when it comes to auto insurance men will usually end up paying a little more.

On average, women see prices around 2% per month less with Amica Mutual, but surprisingly, with Main Street America, women generally pay about 3% more a month than men.

Looking at the data for each carrier specifically, Main Street America offers the cheapest average rates for both men and women, with average prices $138 less for men and $126 cheaper for women.


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Amica Mutual vs. Main Street America: Compare State Minimum vs. Full Coverage Rates

Amica Mutual Main Street America
State Minimum*$210$159
Full Coverage**$508$295

*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 so many different coverages and limits that it can make it pretty confusing to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (that covers property damage and bodily injury 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 what you get with liability coverage).

Looking specifically at state minimum liability insurance, Main Street America has the edge, with average monthly premiums coming in at $159. If you want a full coverage policy with the same state minimum limits, Main Street America again has the edge, with policies averaging around $295 per month to Amica Mutual's $508.

Is Amica Mutual or Main Street America 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.

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

Which Company is Best for Drivers with Speeding Tickets?

Amica Mutual Main Street America
Clean Record$215$175
1 Speeding Ticket$268$236

Policyholders who use Amica Mutual for their car insurance can usually expect their monthly bill to go up about 20% after getting a speeding ticket. Main Street America policyholders can expect a bit more drastic of an increase of around 26%.

Even so, Main Street America tends to offer the best prices for drivers both with clean records and with a ticket. With Main Street America Insurance, drivers with a clean record can save about $40 a month and drivers with a speeding ticket can save around $32 per month.

Which Company is Best for Drivers After an Accident?

Amica Mutual Main Street America
Clean Record$215$175
1 At-Fault Accident$254$215

Amica Mutual drivers who get in a collision can expect to see their premiums rise by just under $40, while those who have insurance through Main Street America will see about a $40 increase.

At the end of the day, Main Street America offers the most affordable prices for drivers with an at-fault accident on their records, with average premiums coming in at $215 compared to Amica Mutual Insurance's $254.

Which Company is Best for Drivers with a DUI?

Amica Mutual Main Street America
Clean Record$215$175
1 DUI$699$283

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your auto insurance bill. On average, Amica Mutual will raise your rates around 69% after a DUI, while Main Street America's average premiums climb by nearly 40%.

But if you end up with a DUI charge and are looking for more affordable prices, Main Street America tends to be more affordable for the average driver, with monthly premiums coming in at about $283 to Amica Mutual's $699.


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How does Credit Score Impact Amica Mutual and Main Street America Rates?

In many cases, your credit score can be used as one of the variables to calculate your monthly insurance rates. This isn't true for everyone (California, for example, has banned the use of credit score as a car insurance factor) but it does affect quite a few policyholders out there.

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 premiums, while those with poor credit will normally be forced to pay more.

So, which carrier offers the cheapest prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Amica Mutual Main Street America
Excellent Credit Score$249$109
Good Credit Score$299$137

If you have a great credit score, Main Street America will typically reward you the most. For drivers with "excellent" credit scores, Main Street America comes in more than 56.22 cheaper. Drivers with "good" credit scores usually save around 54% with Main Street America compared to average rates from Amica Mutual.

Which Company is Best for Drivers with Bad Credit?

Amica Mutual Main Street America
Fair Credit Score$400$179
Poor Credit Score$540$484

Main Street America typically offers lower premiums than Amica Mutual when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about 55% a month less with Main Street America compared to Amica Mutual, and those with "poor" scores generally save an average of around 10% monthly.


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Is Amica Mutual or Main Street America Better for Drivers who Work from Home or Have Short Commutes?

Amica Mutual Main Street America
6,000 Annual Miles$359$225
12,000 Annual Miles$359$229

The amount of time you spend behind the wheel of your car plays a big role in your monthly prices. Normally, those who drive fewer miles will end up with less expensive rates 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 Main Street America, with policyholders who drive 6,000 miles annually paying about $4 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, Main Street America is the cheaper company.

Amica Mutual or Main Street America: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a big impact as well. Typically, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

Amica Mutual Main Street America
Urban Areas$408$264
Suburban Areas$348$230
Rural Areas$321$188

Main Street America boasts the cheapest average prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to pay around $188 a month with Main Street America and $321 with Amica Mutual. Drivers in suburban ZIP codes pay about $230 with Main Street America compared to Amica Mutual's $348 monthly. In urban areas, Main Street America's average premiums are around $264 per month compared to Amica Mutual's $408.

Amica Mutual vs. Main Street America 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 auto insurance discounts as possible.

The challenging part is finding all of the discounts you qualify for, 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 Main Street America offer their customers so that you can find the one that has the most discounts and, therefore, the largest savings.

Amica Mutual Main Street America
ABS Discount 
Anti-Theft Discount 
Defensive Driver Discount 
Distant Student Discount 
Driver Training Discount 
DRL Discount 
EFT Discount 
Good Driving Discount 
Good Payer Discount 
Good Student Discount 
Mature Driver Discount 
Multi-Car Discount 
Multi-Policy Discount 
New Business Discount 
New Vehicle Discount 
Paid In Full Discount 
Passive Restraint Discount 
Renewal Discount 

Main Street America blows Amica Mutual away when it comes to the sheer amount of discounts available, offering 18 more discounts than Amica Mutual.

There are a couple discounts both carriers offer, but Main Street America also offers discounts for ABS, anti-theft, defensive driver, and more.

Amica Mutual's discounts come through just.


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Final Thoughts: Is Amica Mutual or Main Street America Best for You?

So, we've broken down the average rates for many of the factors insurance companies look at, and we've shown you all the discounts each carrier offers. That's all well and good, but at the end of the day, which insurance company is the right company for you and your specific needs?

Main Street America might be best for you if....

  • You're worried about the impact your credit score will have on your premiums.
  • You're looking for discounts -- Main Street America has the most.
  • You're of retirement age and want to take advantage of lower rates.


Amica Mutual might be best for you if...

  • You have a more unique driver profile than those we mentioned above.

Hopefully, this guide has ben a valuable resource as you compare Amica Mutual and Main Street America. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from a handful of carriers, not just Amica Mutual and Main Street America. 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 companies in your area, all for free.


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Amica Mutual vs. Main Street America FAQs

Is Amica Mutual or Main Street America cheaper?

Main Street America is the more affordable of the two carriers when looking at national average prices, with policies averaging $227 a month with Main Street America and $359 for Amica Mutual. That being said, that doesn't mean Main Street America will be the lowest carrier for every driver, since there are a bunch 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 Main Street America?

Sadly, the real answer is "it depends.". Neither company is "better" for each policyholder -- it all depends on what your unique auto insurance profile looks like.

Why do Amica Mutual and Main Street America offer me different rates?

Insurance companies use several different factors when determining the rates they charge. Things like gender, your driving record, age, where you park your vehicle, and sometimes even things like your credit score can all come into play. Both Amica Mutual and Main Street America use different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from a variety of different carriers.

How do I know if Amica Mutual or Main Street America is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top car insurance carriers for free. That way, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't Amica Mutual or Main Street America 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.

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