Amica Mutual vs. New Jersey Skylands: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Amica Mutual offers significantly cheaper premiums than New Jersey Skylands
• Amica Mutual has more affordable prices for policyholders who drive fewer than 12,000 miles annually
• New Jersey Skylands offers more discounts than Amica Mutual Insurance

Amica Mutual vs. New Jersey Skylands: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering large discounts, 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 New Jersey Skylands as potential options, but between the two, which carrier will offer you less expensive premiums?

As you can see, New Jersey Skylands has average rates that are about 22% per month more expensive than those from Amica Mutual when looking at the national average rates for insurance.

However, Amica Mutual may not be the cheapest or best option for every driver out there. Auto insurance companies use a variety of complex algorithms to calculate rates, so depending on how clean your driving record is or how good your credit score is (among a whole range of other factors), you could see wildly different prices from the ones above.

So, if you want to find out which of Amica Mutual or New Jersey Skylands is really the best for you, keep reading to see average rates for each company broken down by a variety of different rate factors.

Amica Mutual or New Jersey Skylands: Average Car Insurance Rates by State

Amica Mutual and New Jersey Skylands only compete against each other in New Jersey, where Amica Mutual offers the cheaper average premiums. For New Jersey residents, Amica Mutual offers car insurance for $426 a month on average. New Jersey Skylands's average prices come out to be more expensive, at $460 per month.

There are plenty of other factors that go into your insurance payment than just where you live. Read on to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance premiums of any other group of drivers out there on the road. Generally, that's because young, inexperienced drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

But that doesn't mean teen drivers can't still save money on their auto insurance. Just look at the table above -- where 18-year-old drivers who have Amica Mutual for their insurance pay more than $250 less than those who use New Jersey Skylands.

Even so, with both carriers, you'll see your prices reduce significantly once you turn 25. For example, average rates for Amica Mutual policyholders decrease over $400 and New Jersey Skylands's prices drop around $500 over that time.

Which is the Best Company for Retired Drivers?

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

So, which carrier offers the best premiums to retired drivers? Amica Mutual gets the slight edge here, with average rates coming in at about $345 monthly compared to New Jersey Skylands's $357. That being said, the difference is only around 5%, so other factors (such as your credit score or where you live) will likely come into play when determining which company has the lowest prices for you.

Which is the Best Company for Married Drivers?

Did you know that car insurance premiums are usually more expensive for those who are single than they are for married couples? That's normally because married drivers tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Amica Mutual is the clear winner for single drivers, with rates about $152 a month more affordable than New Jersey Skylands, on average. It's not quite so glaring for married policyholders, where drivers who use Amica Mutual save nearly $35 per month.

Amica Mutual vs. New Jersey Skylands: Average Rates by Gender

Because men are more likely to get tickets and get into collisions, they have an increased chance of filing a claim with insurance. Therefore, men typically pay more for insurance than women.

Men generally pay around $6 a month more than women with Amica Mutual, and about $7 more with New Jersey Skylands.

When it comes to the cheapest prices for each gender, Amica Mutual comes out on top for both men and women, with average premiums $102 less for men and $101 cheaper for women.

Amica Mutual or New Jersey Skylands: 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 a complicated subject for most people. There are a bunch of different coverages that account for lots of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

Even so, most 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 a collision) and full coverage (which normally refers to having comprehensive and collision coverages in addition to what you get with a liability policy).

If you're looking for state minimum liability insurance, Amica Mutual usually offers significantly cheaper rates of $210 compared to New Jersey Skylands's $297. When it comes to full coverage policies with similar limits, Amica Mutual again has the edge, with policies around $100 per month less expensive than New Jersey Skylands, on average.

Is Amica Mutual or New Jersey Skylands Better for Drivers with Spotty Records?

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

Tickets and accidents will most likely raise your premiums, but is Amica Mutual or New Jersey Skylands cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Amica Mutual policyholders can expect their prices to go up an average of $53 a month if they get a ticket, while New Jersey Skylands typically raises premiums about $67 per month, on average.

However, Amica Mutual tends to offer the best prices for drivers both with clean records and with a speeding ticket, offering rates that are $105 and $119 more affordable, respectively, compared to New Jersey Skylands Insurance.

Which Company is Best for Drivers After an Accident?

Both companies will increase prices pretty significantly if you get into an at-fault accident with New Jersey Skylands climbing by over $65. Amica Mutual has a less extreme rise, but you can still expect to pay just under $40 more than you were prior to your first collision.

Overall, drivers who use Amica Mutual end up with the cheaper prices after an accident, with monthly premiums averaging $254 compared to New Jersey Skylands Insurance's $387.

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

If you have a DUI on your record and are looking for more affordable prices, Amica Mutual tends to be the much less expensive option with average premiums of $699 a month compared to $747 from New Jersey Skylands.

How does Credit Score Impact Amica Mutual and New Jersey Skylands Rates?

You may not have known, but your credit score can come into play when carriers determine your monthly bill. This isn't always the case (for example, Massachusetts and Hawaii are two states that ban the practice entirely), but it will come into play for several drivers.

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

Looking at Amica Mutual and New Jersey Skylands specifically, which one has the most affordable rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Amica Mutual. Drivers with "excellent" credit can save nearly 30% compared to New Jersey Skylands, and those with "good" scores can also expect to see savings -- around $100 or 25% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

Amica Mutual typically offers lower prices than New Jersey Skylands when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about $67 per month less with Amica Mutual compared to New Jersey Skylands, and those with "poor" scores normally save an average of around $91 per month.

Is Amica Mutual or New Jersey Skylands Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a large impact on how much insurance carriers will charge for coverage. Usually, those who drive fewer miles will end up with less expensive rates since there's less of a chance of getting into a collision and causing an insurance claim.

In this case, neither Amica Mutual or New Jersey Skylands report increasing premiums for drivers with higher annual mileage figures. Even so, Amica Mutual comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle yearly, with average prices of $359 a month for both.

Amica Mutual vs. New Jersey Skylands: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a sizable role in how much you pay for car insurance. 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 boasts the most affordable average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the cheapest prices from both companies, but Amica Mutual comes out on top with average rates about $321 monthly. Amica Mutual also has cheaper average premiums for drivers in urban and suburban ZIP codes -- a $147 and $123 per month respective difference when compared to New Jersey Skylands policyholders in similar areas.

Amica Mutual vs. New Jersey Skylands Discounts

Regardless of 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 possible. That's where auto insurance discounts comes into play.

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you qualify for.

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

New Jersey Skylands blows Amica Mutual away when it comes to the sheer amount of discounts available, offering 18 different discounts to Amica Mutual's zero.

There are a couple discounts both carriers offer, but New Jersey Skylands also offers advance quote discounts, anti-theft discounts, company car discounts, and more that Amica Mutual does not.

Amica Mutual's discounts come through just.

Final Thoughts: Is Amica Mutual or New Jersey Skylands 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 company offers, too. That's all well and good, but at the end of the day, is Amica Mutual or New Jersey Skylands the right carrier for you, your vehicle, and your wallet?

Amica Mutual might be best for you if....

• You have below-average credit.
• You want basic insurance coverage at the state minimum limits.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

New Jersey Skylands might be best for you if...

• You care about discounts (New Jersey Skylands offers the most).

We hope this guide helps you get a good idea of the differences between Amica Mutual and New Jersey Skylands and that you can now make a more informed 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 several carriers, not just Amica Mutual and New Jersey Skylands. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top auto insurance companies in your area, all in just a few minutes.

Amica Mutual vs. New Jersey Skylands FAQs

Is Amica Mutual or New Jersey Skylands cheaper?

Looking just at the national average premiums, Amica Mutual is the less expensive of the two carriers, offering average rates of $359 a month compared to $460 for New Jersey Skylands. But Amica Mutual won't necessarily be the lowest carrier for each driver, since there are many different factors that are considered when it comes to your car insurance cost.

Who is better, Amica Mutual or New Jersey Skylands?

Sadly, the answer truly is "it depends.". No one company is "better" for everyone -- it all comes down to what your unique auto insurance profile looks like.

Why do Amica Mutual and New Jersey Skylands offer me different rates?

Insurance companies take a look at lots of different variables when calculating the prices they charge drivers. Things such as age, your driving record, gender, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Amica Mutual and New Jersey Skylands use different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from multiple different carriers.

How do I know if Amica Mutual or New Jersey Skylands is right for me?

The only way to find the auto 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, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best car insurance carriers in your area. That way, you can guarantee you're getting the lowest premium. And who knows, the best carrier for you might not be Amica Mutual or New Jersey Skylands 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.