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

Quick Facts

• Looking at the national averages for auto insurance, Penn National offers significantly less expensive premiums than Amica Mutual
• Penn National has cheaper rates for residents of suburban areas
• Penn National offers more affordable premiums for residents of rural areas

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

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering large discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Amica Mutual or Penn National as your top options, but between the two, which one has more affordable rates for insurance?

Looking at the national average rates for both companies, Penn National has average rates that are about 40% per month cheaper than those from Amica Mutual.

That being said, that doesn't necessarily mean Penn National will be the less expensive option for every single driver. After all, auto insurance carriers can offer drastically different rates to each driver depending on rating factors like where you call home, your credit score, your driving record, or even your age (among other things), so prices will vary quite a bit from person to person.

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

Amica Mutual or Penn National: Average Car Insurance Rates by State

Amica Mutual and Penn National only compete against each other in one states, with Penn National offering more affordable prices to the average driver in all of them. New Jersey has the most noticable difference, where Penn National rates are over 50% cheaper than car insurance prices at Amica Mutual.

That being said, there's a lot more that goes into your auto 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 rates of any other group of drivers out there on the road. It's normally because young, inexperienced 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 premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Penn National for their insurance pay nearly $250 less than those who use Amica Mutual.

Even so, both companies will decrease rates by the time drivers turn 25. For example, average prices for Amica Mutual policyholders reduce more than $400 and Penn National's premiums drop almost $300 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.

When looking at Amica Mutual and Penn National specifically, which carrier is best for retired drivers? Penn National gets the edge, with premiums for drivers 65 and older nearly 55% more affordable than the national average for Amica Mutual.

Which is the Best Company for Married Drivers?

Did you know that insurance prices are typically less expensive for married policyholders than they are for single policyholders? This usually boils down to married couples having more than one car on their policy -- something lots of car insurance carriers will reward with discounts.

When it comes to relationship status, Penn National is the clear winner for single drivers, with rates around $135 a month cheaper than Amica Mutual, on average. The advantage for married drivers with Penn National is also obvious, where drivers save over 45% per month.

Amica Mutual vs. Penn National: Average Rates by Gender

Men are statistically more likely than women to get into accidents and get tickets. That means when it comes to insurance men will generally end up paying a little more.

With Amica Mutual, men usually pay about $6 a month more than women, and around $5 more with Penn National.

Looking at overall affordability, Penn National comes out on top for both men and women, with average premiums 39% less for men and 40% cheaper for women.

Amica Mutual or Penn National: 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.

For most people, car insurance can be pretty complicated. There are so many different terms and coverages that it can make it pretty confusing to find the right policy.

But most policies end up falling into two different types of coverage -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with a liability policy).

If you're looking for state minimum liability insurance, Penn National normally offers significantly more affordable prices of $144 compared to Amica Mutual's $210. When it comes to full coverage policies with similar limits, Penn National again has the edge, with policies about $200 per month less expensive than Amica Mutual, on average.

Is Amica Mutual or Penn National 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 rates, but is Amica Mutual or Penn National cheaper for drivers with less-than-ideal driving 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 Penn National typically raises premiums around $40 per month, on average.

However, Penn National tends to offer the best prices for drivers both with clean records and with a speeding ticket, offering prices that are $76 and $89 less expensive, respectively, compared to Amica Mutual Insurance.

Which Company is Best for Drivers After an Accident?

Amica Mutual drivers who get in a collision can expect to see their rates increase by over 15%, while those who have insurance through Penn National will see about a 35% increase.

Overall, the more affordable premiums come from Penn National, with monthly prices averaging $206 compared to Amica Mutual Insurance's $254.

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 car insurance bill -- usually a lot more than an accident or ticket. On average, Amica Mutual will climb your rates around 69% after a DUI, while Penn National's average premiums climb by just under 60%.

If you have a DUI on your record and are looking for more affordable prices, Penn National tends to be the much less expensive option with average rates of $346 monthly compared to $699 from Amica Mutual.

How does Credit Score Impact Amica Mutual and Penn National Rates?

Did you know that many insurance companies take into account your credit score when calculating premiums? Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for a lot of policyholders.

Auto insurance companies argue that those with poor credit scores are less likely to pay their bills on time every month, which increases the risk involved on their end, while the opposite is true for those with good credit.

So, which company offers the lowest prices for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Penn National. Policyholders with "excellent" credit can save over 35% compared to Amica Mutual, and those with "good" scores can also expect to see savings -- about $117 or 39% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Penn National typically offers lower premiums than Amica Mutual when it comes to drivers with bad credit. Drivers with "fair" credit pay around $192 a month less with Penn National compared to Amica Mutual, and those with "poor" scores generally save an average of about $220 per month.

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

The amount of time you spend behind the wheel of your car plays a big role in how much car insurance carriers will charge for coverage. That's because the fewer miles you put on your vehicle, the less likely you are to get into a collision and cause an insurance claim.

In this case, neither Amica Mutual or Penn National report increasing rates for drivers with higher annual mileage figures. That being said, Penn National comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car every year, with average premiums of $218 per month for both.

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

Where you live can have a substantial impact on your monthly auto insurance bill. Typically, those who live in urban areas will pay more than drivers in rural areas due to the number of vehicles that are on the roads in those areas.

Penn National tends to offer the cheapest rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest prices from both companies, but Penn National comes out on top with average premiums around $165 a month. Penn National also has more affordable average prices for drivers in urban and suburban ZIP codes -- a $133 and $136 a month respective difference when compared to Amica Mutual policyholders in similar areas.

Amica Mutual vs. Penn National Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many insurance discounts as you can.

The difficult part is finding all of the discounts you can take advantage of, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Below, we've compared all of the different discounts offered by Amica Mutual and Penn National so that you can see which company can save you the most money each month.

Penn National knocks Amica Mutual out of the park when it comes to the sheer number of discounts available, offering 16 more discounts than Amica Mutual.

There are a couple discounts both carriers offer, but Penn National also offers ABS discounts, added pip option discounts, advance quote discounts, and more that Amica Mutual does not.

Amica Mutual's discounts come through just.

Final Thoughts: Is Amica Mutual or Penn National Best for You?

So, you've seen how different factors can affect your car insurance rates. We've broken down the different discounts each company offers, too. But, when it comes down to it, which insurance carrier is the right fit for you?

Penn National might be best for you if....

• You have a speeding ticket on your driving record.
• You're looking for more protection with "full coverage" auto insurance.
• You're buying insurance for a teen and looking for a wallet-friendly option.

Amica Mutual might be best for you if...

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

We hope this guide helps you get a better idea of the difference between Amica Mutual and Penn National and that it aids in making a more informed decision about 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 companies, not just Amica Mutual and Penn National. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best auto insurance carriers in your area, all in just a few minutes.

Amica Mutual vs. Penn National FAQs

Is Amica Mutual or Penn National cheaper?

Looking just at the national average prices, Penn National is the less expensive of the two companies, offering average rates of $218 per month compared to $359 for Amica Mutual. Even so, Penn National won't necessarily be the most affordable company for everyone, since there are several different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Amica Mutual or Penn National?

Unfortunately, the real answer is "it depends.". No one carrier is "better" for each driver -- it all boils down to your unique insurance profile.

Why do Amica Mutual and Penn National offer me different rates?

Car insurance carriers take a look at several different factors when determining the rates they charge drivers. Things like gender, your driving record, where you call home, age, and sometimes even things like your credit score can all be taken into consideration. Both Amica Mutual and Penn National use different formulas, so each one will most likely offer different premiums. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a variety of different companies.

How do I know if Amica Mutual or Penn National 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, sites like Compare.com do 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. With those, you can guarantee you're getting the best premium. And who knows, the best company for you might not be Amica Mutual or Penn National 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.