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

Quick Facts

• Based on national averages for insurance, Metlife offers slightly cheaper premiums than Amica Mutual
• Amica Mutual has more affordable prices for drivers who have an at-fault accident on their record
• Metlife offers more affordable premiums for drivers who have less-than-stellar credit

Amica Mutual vs. Metlife: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. With so many ads from all sorts of companies offering huge discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Amica Mutual or Metlife, but which company has less expensive rates for auto insurance?

Looking at the national average rates for both companies, Metlife is about $19 per month more affordable than Amica Mutual.

Even so, that doesn't necessarily mean Metlife will be the cheaper option for every driver. Car insurance carriers vary their prices depending on things like how clean your driving record is, how good your credit score is, where you live, how old you are, and a ton of other factors. So, at the end of the day, rates from each carrier will differ quite a bit from person to person.

Luckily, we've broken down average prices from both Amica Mutual and Metlife by lots of different rate factors, so read on to find out which company is the best for you.

Amica Mutual or Metlife: Average Car Insurance Rates by State

Amica Mutual and Metlife compete against each other in four states, with Amica Mutual offering less expensive premiums to the average driver in all of them. New Jersey has the most noticable difference, where Amica Mutual prices are over 40% cheaper than insurance rates at Metlife.

That being said, there's a lot more that goes into your car insurance payment than just where you live. Keep reading to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for insurance than any group on the road. It's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. For example, 18-year-old drivers pay an average of more than $250 less a month by choosing Amica Mutual over Metlife.

But both companies will reduce prices by the time drivers turn 25. For example, average rates for Amica Mutual policyholders drop over $400 and Metlife's premiums decrease around $500 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the lowest insurance rates you'll ever see. After all, they've likely been driving for quite some time, which generally reduces their chances of accidents and other infractions that can increase prices.

But who has the best premiums for retired drivers between Amica Mutual and Metlife? Metlife gets the edge, with prices for drivers 65 and older more than 40% less expensive than the national average for Amica Mutual.

Which is the Best Company for Married Drivers?

Did you know that car insurance premiums are normally more affordable for married policyholders than they are for single drivers? This usually boils down to married drivers having more than one car on their policy -- something many auto insurance carriers will reward with discounts.

When it comes to relationship status, Amica Mutual is the clear winner for single policyholders, with rates about $48 per month less expensive than Metlife, on average. The advantage is also clear for married couples - Metlife offers the most affordable average premiums.

Amica Mutual vs. Metlife: 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 insurance men will usually end up paying a little more.

Generally, men see prices around 2% a month higher with Amica Mutual, and nearly 10% with Metlife.

Looking at overall affordability, Metlife offers the cheapest average rates for both men and women. On average, women save about $30 per month and men save about $8 with Metlife compared to the average Amica Mutual policyholder.

Amica Mutual or Metlife: 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.

It's no secret that car 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.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which generally refers to having comprehensive and collision coverages alongside liability).

In this case, Amica Mutual offers the most affordable average prices for state minimum liability insurance, while Metlife has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $5 with Amica Mutual Insurance, while full coverage comes out to be around $40 cheaper with MetLife.

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

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

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

Which Company is Best for Drivers with Speeding Tickets?

Amica Mutual policyholders can expect their premiums to go up an average of $53 a month if they get a ticket, while Metlife typically raises rates about $59 per month, on average.

That being said, Amica Mutual has more affordable prices for drivers in both categories, offering premiums that are $5 and $11 less expensive, respectively, compared to MetLife.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Amica Mutual can expect to see around an $39 -- or about 15% -- increase in their auto insurance prices. Drivers who use Metlife for their insurance will see a monthly bill around $148 (or 40%) more expensive after reporting a collision to their auto insurance carrier.

Overall, the cheaper rates come from Amica Mutual, with monthly premiums averaging $254 compared to MetLife's $368.

Which Company is Best for Drivers with a DUI?

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. For example, Amica Mutual increases average rates by just under $500 a month -- that's just under a 70% increase.

How does Credit Score Impact Amica Mutual and Metlife Rates?

You may not have known, but your credit score can be used as one of the factors to calculate your monthly car insurance premiums. This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it does affect a lot of policyholders out there.

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

Looking at Amica Mutual and Metlife specifically, which one has the lowest prices 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 Metlife 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 big impact on your monthly insurance bill? Normally, those who drive less will end up with more affordable premiums since there's less of a chance of getting into a collision and causing 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 rates for Metlife, with drivers who put 6,000 miles on their vehicle yearly paying about $3 less each month compared to those who drive 12,000 miles annually. Still, Metlife is the cheaper option for drivers in both categories.

Amica Mutual vs. Metlife: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your car can have a large impact on your monthly car insurance cost. Generally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because there are a lot more vehicles on the roads in those areas.

When comparing these two companies side-by-side, Metlife normally comes out as the cheapest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the most affordable prices from both carriers, but Metlife comes out on top with average rates around $299 per month. Metlife also has less expensive average prices for drivers in urban and suburban ZIP codes -- a 5% and 4% per month respective difference when compared to Amica Mutual policyholders in similar areas.

Amica Mutual vs. Metlife Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible. That's where car insurance discounts comes into play.

The hard part is finding all of the discounts you're eligible for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

In the section below, we've taken a look at all of the different discounts Amica Mutual and Metlife offer their customers so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Metlife knocks Amica Mutual out of the park when it comes to the sheer number of discounts available, offering 36 more discounts than Amica Mutual.

Both companies offer a lot of the same discounts -- like -- but Metlife also offers AAA discounts, ABS discounts, academic discounts, and more that Amica Mutual does not.

Amica Mutual's discounts come through just.

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

You've seen the effect certain variables have on your auto insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which carrier is the right one for you and your specific profile and needs?

Metlife might be best for you if....

• Your credit score is high.
• You live in an urban area.
• You have a short drive to work everyday.

Amica Mutual might be best for you if...

• You don't have any speeding tickets, DUIs, or at-fault collisions on your record.
• You've received a ticket for speeding recently and don't want to see your premiums climb.
• You want basic car insurance coverage at the state minimum limits.

We hope this guide has ben a valuable resource as you compare Amica Mutual and Metlife. We also hope we've given you the information you need to make the best decision about your 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 multiple companies, not just Amica Mutual and Metlife. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top insurance carriers in your area, all in just a few minutes.

Amica Mutual vs. Metlife FAQs

Is Amica Mutual or Metlife cheaper?

Looking just at the national average prices, Metlife is the more affordable of the two companies, offering average rates of $340 a month compared to $359 for Amica Mutual. But Metlife won't necessarily be the lowest company for everyone, since there are a range of different factors that are considered when it comes to your car insurance bill.

Who is better, Amica Mutual or Metlife?

Sadly, the real answer is "it depends.". No single carrier is "better" for everyone -- it all comes down to what your unique auto insurance profile looks like. For example, Amica Mutual offers less expensive rates for single drivers, while Metlife is more affordable for drivers who have already retired.

Why do Amica Mutual and Metlife offer me different rates?

Car insurance carriers take a look at several different variables when calculating the premiums they charge policyholders. Things like where you call home, gender, where your home is, age, and sometimes even things like your credit score can all be used. Both Amica Mutual and Metlife use different formulas, so each one will most likely offer different prices. The only real way to see which company is the most affordable for you is by comparing personalized quotes from multiple different companies.

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

The only way to find the auto 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 free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the cheapest price. And who knows, the best company for you might not be Amica Mutual or Metlife at all!

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.