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

Quick Facts

• Based on national averages for auto insurance, Mercury offers cheaper prices than Amica Mutual
• Amica Mutual has less expensive premiums for policyholders whose driving record contains an at-fault collision
• Mercury tends to be a much more affordable option for policyholders who drive fewer than 12,000 miles yearly

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

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

You might have narrowed it down to Amica Mutual or Mercury, but which one will offer you less expensive rates?

Looking at the national average rates for both carriers, Amica Mutual has average rates that are around 18% a month more expensive than those from Mercury.

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

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

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

Amica Mutual and Mercury only compete against each other in one states, with Mercury offering more affordable rates to the average driver in all of them. New Jersey has the most noticable difference, where Mercury prices are $47 less expensive than auto insurance premiums at Amica Mutual.

There's a lot more that goes into your insurance cost than just your home state. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance prices of any other group of drivers. It's 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 rates, teen drivers can still find ways to save money. As you can see above, teens who use Amica Mutual save almost 4% per month compared to those who use Mercury.

However, both carriers will reduce premiums by the time drivers turn 25. Mercury 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 prices lower nearly 60% during that same period.

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 lowest premiums out there.

But who has the best rates for retired drivers between Amica Mutual and Mercury? Mercury gets the edge, with prices for drivers 65 and older over 35% more affordable than the national average for Amica Mutual.

Which is the Best Company for Married Drivers?

Did you know that auto insurance rates are usually more expensive for single policyholders than they are for married drivers? That's because policies for married couples normally cover multiple vehicles, which quite a few companies will give you a discount for.

For those who are single, the difference in average premiums between these two carriers is not very significant, with Mercury prices coming in at about 7% less than Amica Mutual's. But for married policyholders, the advantage is clear - Mercury offers the most affordable average rates.

Amica Mutual or Mercury: Average Rates by Gender

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

Normally, men see premiums around $6 a month higher with Amica Mutual, and about $15 with Mercury.

When it comes to the cheapest prices for each gender, Mercury comes out as the most affordable option for both genders, with average rates 17% less for men and 19% cheaper for women.

Amica Mutual vs. Mercury: 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.

Car insurance isn't the easiest topic to understand. Everyone needs auto insurance, but there are so many different terms and limits that it can be hard to find the right policy for you.

That being said, most policies end up falling into two different types of coverage -- liability coverage (which provides property damage and bodily injury coverage for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside liability).

Looking specifically at state minimum liability limits, Mercury has the edge, with average monthly premiums coming in at $184. If you want a full coverage policy with the same state minimum limits, Mercury again has the edge, with policies averaging around $406 per month to Amica Mutual's $508.

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

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Collisions and speeding tickets will most likely raise your rates, but is Amica Mutual or Mercury cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Amica Mutual for their auto insurance can typically expect their monthly bill to go up about 20% after getting a speeding ticket. Mercury policyholders can expect a less drastic increase of around 19%.

Even so, Amica Mutual has less expensive premiums for drivers in both categories, offering prices that are $22 and $26 cheaper, respectively, compared to Mercury Insurance.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Amica Mutual can expect to see about an $39 -- or around 15% -- rise in their insurance rates. Drivers who use Mercury for their car insurance will see a monthly bill about $109 (or 32%) more expensive after reporting an accident to their auto insurance company.

At the end of the day, Amica Mutual offers the lowest prices for drivers with an at-fault accident on their records, with average premiums coming in at $254 compared to Mercury Insurance's $346.

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 insurance bill -- generally a lot more than a collision or ticket. Amica Mutual drivers usually see a 69% increase in their car insurance rates after a DUI charge, while Mercury will usually climb premiums by around 22%.

How does Credit Score Impact Amica Mutual and Mercury Rates?

You may not have known, but your credit score can come into play when companies determine your monthly bill. Certain states and carriers do not allow for credit score to be used as a car insurance factor, but it will come into play for several drivers.

The reasoning auto insurance companies use is that policyholders 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.

Looking specifically at Amica Mutual and Mercury, which company has the best rates for drivers 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 Mercury 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 substantial impact on your monthly prices? Normally, those who drive less will end up with more affordable premiums since there's less of a chance of causing an accident and filing an insurance claim.

In this case, neither Amica Mutual or Mercury report increasing prices for drivers with higher annual mileage figures. That being said, Mercury comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car annually, with average rates of $295 a month for both.

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

Where you park your vehicle can have a large impact on your monthly insurance bill. Usually, 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.

Mercury tends to offer the lowest premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, Mercury Insurance's average rates are about $7 less than Amica Mutual Insurance. People who live in suburban areas pay around $73 less with Mercury compared to Amica Mutual. Those in rural areas can expect to save about $112 with Mercury compared to Amica Mutual.

Amica Mutual vs. Mercury Discounts

You want to save as much money as you can, right? 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 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 Mercury offer their customers so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Mercury blows Amica Mutual away when it comes to the sheer amount of discounts available, offering 27 different discounts to Amica Mutual's zero.

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

Amica Mutual's discounts come through just.

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

So, we've broken down the average prices for many of the variables car insurance carriers look at, and we've shown you all the discounts each carrier offers. That's all well and good, but when it comes down to it, which company is the best carrier for you and your specific profile and needs?

Mercury might be best for you if....

• You value the experience that comes with a large national auto insurance carrier.
• You live in an urban area.
• You are purchasing your insurance with a spouse.

Amica Mutual might be best for you if...

• You've received a ticket for speeding recently and don't want to see your rates increase.
• You have an at-fault collision on your record.
• You want to save money while purchasing car insurance for a teenager.

Hopefully, this guide helps you get a better idea of the difference between Amica Mutual and Mercury and that it aids in making a more informed decision about your insurance.

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

Amica Mutual vs. Mercury FAQs

Is Amica Mutual or Mercury cheaper?

Mercury is the less expensive of the two companies when looking at national average premiums, with policies averaging $295 per month with Mercury and $359 for Amica Mutual. But that doesn't mean Mercury will be the most affordable company for each policyholder, since there are several different factors that come into play when it comes to your auto insurance payment.

Who is better, Amica Mutual or Mercury?

Sadly, the answer truly is "it depends.". No single carrier is necessarily "better" for everyone -- it all depends on the makeup of your unique insurance profile. For example, Mercury is cheaper for drivers who have less-than-stellar credit scores, while Amica Mutual offers more affordable prices for drivers with an at-fault accident on their record.

Why do Amica Mutual and Mercury offer me different rates?

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

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

The only way to find the insurance carrier 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 information once and you'll get quotes from dozens of your local top auto insurance companies for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't Amica Mutual or Mercury 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.