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

So, you're in the market for a new auto insurance policy. You may have even narrowed down your search to Amica Mutual and Personal Service. But which of these two companies is the best one for you? Read on to find which carrier has the best premiums and biggest discounts.
Newly insured car driving down the road
Why You Can Trust trust shield

At, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust

Quick Facts

  • Looking at the national averages for car insurance, Personal Service offers slightly less expensive rates than Amica Mutual
  • Amica Mutual offers more affordable prices for policyholders whose driving record contains an at-fault collision
  • Personal Service tends to be a much cheaper option for policyholders who are looking to purchase insurance with a spouse

Amica Mutual or Personal Service: 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 big savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Amica Mutual or Personal Service for your next policy, but which one has more affordable premiums for auto insurance?

Amica Mutual Personal Service

Looking at the national average rates for both carriers, Amica Mutual is around $34 more a month than Personal Service.

However, Personal Service may not be the lowest or best option for every single driver out there. Insurance companies use a variety of complex algorithms to determine prices, so depending on how clean your driving record is or where you live (among a bunch of other factors), you could see wildly different rates from the ones above.

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

Amica Mutual vs. Personal Service: Average Car Insurance Rates by State

State Amica Mutual Personal Service

Amica Mutual and Personal Service only compete against each other in New Jersey, where Personal Service offers the cheaper average prices. Personal Service drivers tend to pay about $101 per month less on average compared to drivers who use Amica Mutual for their car insurance.

But there's more to calculating insurance rates than just where you call home. Read on to find out more.

Find your best rate in just a few minutes

Which is the Best Company For Young Drivers?

Amica Mutual Personal Service
18-year-old drivers$700$624
25-year-old drivers$288$318

Young drivers -- especially teens -- normally pay a lot for auto insurance compared to older drivers. That's generally because teen drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

Even so, that doesn't mean that teen drivers have to just accept sky-high car insurance prices. For example, 18-year-old drivers pay an average of over 10% less a month by choosing Personal Service over Amica Mutual.

But with both carriers, you'll see your rates lower significantly once you turn 25. Personal Service offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Amica Mutual still has the most affordable premiums at $288 a month.

Which is the Best Company for Retired Drivers?

Amica Mutual Personal Service
65+-year-old drivers$345$231

Once you approach retirement age, you'll usually enjoy the cheapest insurance prices you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for car insurance.

But who has the best rates for retired drivers between Amica Mutual and Personal Service? Personal Service gets the edge, with premiums for drivers 65 and older almost 35% less expensive than the national average for Amica Mutual.

Which is the Best Company for Married Drivers?

Amica Mutual Personal Service

You may not be aware, but auto insurance prices tend to be more expensive for those who are single than they are for married policyholders. That's because policies for married drivers typically cover more than one vehicle, which lots of companies will give you a discount for.

For single drivers, the difference in average rates between these two carriers is not very significant, with Personal Service prices coming in at about 4% less than Amica Mutual's. The advantage for married couples is more obvious, where drivers who use Personal Service save around $60 per month.

Amica Mutual or Personal Service: Average Rates by Gender

Amica Mutual Personal Service

Men are statistically more likely than women to get into a collision or get pulled over for speeding, which means they'll usually end up paying more for car insurance than women.

On average, men see premiums about $6 a month higher with Amica Mutual, and around $45 with Personal Service.

Looking at the data for each carrier specifically, Personal Service offers the most affordable average rates for both men and women. On average, male drivers save about $14 per month and women save about $54 with Personal Service compared to the average Amica Mutual policyholder.

Find your best rate in just a few minutes

Amica Mutual vs. Personal Service: Compare State Minimum vs. Full Coverage Rates

Amica Mutual Personal Service
State Minimum*$210$228
Full Coverage**$508$422

*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, insurance can be pretty complicated. There are so many different limits and coverages that it can make it pretty confusing to find the right policy for you.

That being said, most policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside liability).

When it comes to state minimum liability insurance, Amica Mutual has the edge, while Personal Service offers the cheapest average prices for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $20 with Amica Mutual Insurance, while full coverage comes out to be around $85 more affordable with Personal Service Insurance Company.

Is Amica Mutual or Personal Service 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 at-fault collisions and speeding tickets lead to higher rates, but which company -- Amica Mutual or Personal Service -- has the lowest premiums for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Amica Mutual Personal Service
Clean Record$215$258
1 Speeding Ticket$268$293

Drivers who use Amica Mutual for their insurance can typically expect their monthly bill to go up about 20% after getting a speeding ticket. Personal Service policyholders can expect a less drastic increase of around 12%.

But Amica Mutual tends to offer the best prices for both drivers who have clean records and those with a recent ticket, offering rates that are 17% and 9% cheaper, respectively, compared to Personal Service Insurance Company.

Which Company is Best for Drivers After an Accident?

Amica Mutual Personal Service
Clean Record$215$258
1 At-Fault Accident$254$348

After an accident, drivers who have their auto insurance through Amica Mutual can expect to see about an $39 -- or around 15% -- rise in their car insurance prices. Drivers who use Personal Service for their auto insurance will see a monthly bill about $90 (or 26%) more expensive after reporting a collision to their car insurance carrier.

At the end of the day, drivers who use Amica Mutual end up with the cheaper prices after an accident, with average premiums coming in at $254 compared to Personal Service Insurance Company's $348.

Which Company is Best for Drivers with a DUI?

Amica Mutual Personal Service
Clean Record$215$258
1 DUI$699$400

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. On average, Amica Mutual will climb your prices around 69% after a DUI, while Personal Service's average premiums climb by more than 35%.

But if you end up with a DUI charge and are looking for more affordable rates, Personal Service tends to be more affordable for the average driver, with monthly premiums coming in at about $400 to Amica Mutual's $699.

Find your best rate in just a few minutes

How does Credit Score Impact Amica Mutual and Personal Service Rates?

In many cases, your credit score can be used as one of the variables to calculate your monthly insurance premiums. This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as a car insurance factor) but it will come into play for quite a few policyholders.

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

So, which company offers the best rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Amica Mutual Personal Service
Excellent Credit Score$249$262
Good Credit Score$299$312

If you have a great credit score, Amica Mutual will normally reward you the most. For policyholders with "excellent" credit scores, Amica Mutual comes in NaN less expensive. Drivers with "good" credit scores generally save around 4% with Amica Mutual compared to average prices from Personal Service.

Which Company is Best for Drivers with Bad Credit?

Amica Mutual Personal Service
Fair Credit Score$400$345
Poor Credit Score$540$380

Personal Service typically offers lower premiums than Amica Mutual when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 14% a month less with Personal Service compared to Amica Mutual, and those with "poor" scores normally save an average of around 30% monthly.

Find your best rate in just a few minutes

Is Amica Mutual or Personal Service Better for Drivers who Work from Home or Have Short Commutes?

Amica Mutual Personal Service
6,000 Annual Miles$359$325
12,000 Annual Miles$359$325

Did you know that the amount of time you spend in your car have a pretty big impact on how much insurance carriers will charge for coverage? Typically, those who drive less will end up with cheaper prices since there's less of a chance of causing a collision and filing an insurance claim.

In this case, neither Amica Mutual or Personal Service report increasing rates for drivers with higher annual mileage figures. That being said, Personal Service comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car yearly, with average premiums of $325 per month for both.

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

Where you live can play a considerable role in how much you pay for car insurance. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

Amica Mutual Personal Service
Urban Areas$408$402
Suburban Areas$348$355
Rural Areas$321$217

Personal Service usually comes out as the less expensive option for drivers in rural and urban areas, while Amica Mutual wins in suburban areas.

For drivers in urban ZIP codes, Personal Service Insurance Company's average prices are about 1% less than Amica Mutual Insurance. People who live in suburban areas pay around 2% less with Amica Mutual compared to Personal Service. Those in rural areas can expect to save about 32% with Personal Service compared to Amica Mutual.

Amica Mutual vs. Personal Service Discounts

No matter why you might be in the market for a new 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 car insurance discounts as possible.

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you can take advantage of.

Luckily, we did the hard work for you and looked at all of the different discounts Amica Mutual and Personal Service offer their customers so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Amica Mutual Personal Service
Anti-Theft Discount 
Cellphone Safety Discount 
Defensive Driver Discount 
Good Payer Discount 
Homeowner Discount 
Multi-Car Discount 
Multi-Car/Single Driver Discount 
Paid In Full Discount 
Passive Restraint Discount 
Prior Insurance Discount 

Personal Service knocks Amica Mutual out of the park when it comes to the sheer number of discounts available, offering 10 different discounts to Amica Mutual's 10.

Both companies offer lots of the same discounts -- like -- but Personal Service also offers discounts for anti-theft, cellphone safety, defensive driver, and more.

Amica Mutual's discounts come through just.

Find your best rate in just a few minutes

Final Thoughts: Is Amica Mutual or Personal Service Best for You?

So, you've seen how different factors can affect your insurance rates. We've broken down the different discounts each company offers, too. That's all well and good, but at the end of the day, which insurance carrier is the right carrier for you and your specific driver profile?

Personal Service might be best for you if....

  • You're looking for the company with the most discounts.
  • You want the most robust protection via a "full coverage" policy.
  • You drive fewer than 12,000 miles each year.

Amica Mutual might be best for you if...

  • You have a speeding ticket on your driving record.
  • You already have a great credit score.
  • Your home is located in the suburbs.

Hopefully, this guide has ben a valuable resource as you compare Amica Mutual and Personal Service. 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 auto insurance policy is to compare quotes from a handful of carriers, not just Amica Mutual and Personal Service. Luckily, does all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top insurance companies in your area, all in just a few minutes.

Find your best rate in just a few minutes

Amica Mutual vs. Personal Service FAQs

Is Amica Mutual or Personal Service cheaper?

Personal Service is the more affordable of the two carriers when looking at national average premiums, with policies averaging $325 a month with Personal Service and $359 for Amica Mutual. That being said, that doesn't mean Personal Service will be the cheapest carrier for every policyholder, since there are a range of different variables that are considered when it comes to your auto insurance payment.

Who is better, Amica Mutual or Personal Service?

Unfortunately, the only answer we can give you is "it depends.". No single company is "better" for everyone -- it all comes down to what your unique car insurance profile looks like. For example, Personal Service is cheaper for drivers who have less-than-stellar credit scores, while Amica Mutual offers less expensive prices for policyholders with an at-fault accident on their record.

Why do Amica Mutual and Personal Service offer me different rates?

Auto insurance companies use many different factors when determining the premiums they charge. Variables such as gender, age, where your home is, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Amica Mutual and Personal Service calculate rates using different factors, so it's likely they'll offer different premiums. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a variety of different carriers.

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

The only way to find the 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 do all the hard work for you. 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 most affordable price. And maybe you'll find that the best carrier for you isn't Amica Mutual or Personal Service at all, but another you hadn't even thought of!


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.

About's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of's content is ever influenced by the companies and brands we partner with.
  •'s editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes