Amica Mutual vs. Plymouth Rock Assurance: Which Company is the Best Fit for You?

Quick Facts

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

Amica Mutual or Plymouth Rock Assurance: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. With so many ads from all sorts of companies offering large savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Amica Mutual or Plymouth Rock Assurance for your next policy, but between the two, which company has cheaper rates for car insurance?

Looking at the national average rates for both carriers, Amica Mutual has average rates that are around 24% a month more expensive than those from Plymouth Rock Assurance.

But that doesn't mean Plymouth Rock Assurance will necessarily be more affordable than Amica Mutual for every single driver. Auto insurance companies use a variety of complex algorithms to determine prices, so depending on where you live or how old you are (among a whole bunch of other factors), you could see wildly different premiums from the ones above.

Luckily, we've broken down average rates from both Amica Mutual and Plymouth Rock Assurance by a range of different rate factors, so read on to find out which carrier is the best for you.

Amica Mutual vs. Plymouth Rock Assurance: Average Car Insurance Rates by State

Amica Mutual and Plymouth Rock Assurance only compete against each other in two states, with Plymouth Rock Assurance offering less expensive premiums to the average driver in all of them. Massachusetts has the most noticable difference, where Plymouth Rock Assurance prices are $96 cheaper than car insurance premiums at Amica Mutual.

That being said, there are plenty of other factors that go into your insurance cost than just where you live. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance prices of any group on the road. It's generally because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

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 15% per month compared to those who use Plymouth Rock Assurance.

That being said, both carriers will offer you dramatically lower premiums once you turn 25. For example, average prices for Amica Mutual policyholders decrease about $400 and Plymouth Rock Assurance's rates reduce over $500 over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Amica Mutual and Plymouth Rock Assurance specifically, which company is best for retired drivers? Plymouth Rock Assurance gets the edge, with premiums for drivers 65 and older more than 50% less expensive than the national average for Amica Mutual.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive insurance rates than married policyholders. That's normally because married couples tend to own and insure multiple vehicles, which can often earn you a discount.

For those who are single, the difference in average premiums between these two companies is significant, with Plymouth Rock Assurance rates coming in at around 10% less than Amica Mutual's. The advantage for married drivers with Plymouth Rock Assurance is also obvious, where drivers save over 45% a month.

Amica Mutual or Plymouth Rock Assurance: Average Rates by Gender

Did you know men tend to pay more for auto insurance than women? That's because women are less likely to get into accidents and get speeding tickets, which decreases the chances of filing a claim with insurance.

With Amica Mutual, women typically pay about $6 per month less than men, and around $27 less with Plymouth Rock Assurance.

Looking at the data for each carrier specifically, Plymouth Rock Assurance offers the lowest average prices for both men and women, with average premiums 21% less for men and 27% cheaper for women.

Amica Mutual vs. Plymouth Rock Assurance: 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 isn't the easiest topic to understand. There are so many different coverages and terms that it can make it pretty confusing to find the right policy for you.

However, the most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability).

Looking specifically at state minimum liability limits, Plymouth Rock Assurance has the edge, with average monthly rates coming in at $165. If you want a full coverage policy with the same state minimum limits, Plymouth Rock Assurance again has the edge, with policies averaging about $383 a month to Amica Mutual's $508.

Is Amica Mutual or Plymouth Rock Assurance 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.

Speeding tickets and collisions will most likely raise your prices, but is Amica Mutual or Plymouth Rock Assurance more affordable for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Amica Mutual for their car insurance can usually expect their monthly bill to go up around 20% after getting a speeding ticket. Plymouth Rock Assurance policyholders can expect a bit more drastic of an increase of about 37%.

If you have gotten a ticket, Amica Mutual tends to offer the best premiums at around 18% cheaper, while Plymouth Rock Assurance has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Amica Mutual can expect to see about an $39 -- or around 15% -- rise in their auto insurance rates. Drivers who use Plymouth Rock Assurance for their insurance will see a monthly bill about $54 (or 21%) more expensive after reporting an accident to their auto insurance company.

At the end of the day, Amica Mutual offers the cheapest prices for drivers with an at-fault accident on their records, with average rates coming in at $254 compared to Plymouth Rock Assurance's $262.

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 -- generally a lot more than a collision or speeding ticket. On average, Amica Mutual will raise your prices around 69% after a DUI, while Plymouth Rock Assurance's average premiums climb by nearly 30%.

But if you end up with a DUI charge and are looking for more affordable prices, Plymouth Rock Assurance tends to be more affordable for the average driver, with monthly premiums coming in at about $296 to Amica Mutual's $699.

How does Credit Score Impact Amica Mutual and Plymouth Rock Assurance 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 (for example, Hawaii and Michigan are two states that ban the practice entirely), but it does affect a lot of drivers out there.

The reasoning car insurance carriers use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper rates, while those with poor credit will normally be forced to pay more.

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

Which Company is Best for Drivers with Good Credit?

If you have great credit, Plymouth Rock Assurance will usually reward you the most. For policyholders with "excellent" credit scores, Plymouth Rock Assurance comes in NaN cheaper. Drivers with "good" credit scores typically save around 10% with Plymouth Rock Assurance compared to average rates from Amica Mutual.

Which Company is Best for Drivers with Bad Credit?

Plymouth Rock Assurance typically offers lower premiums than Amica Mutual when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about 23% per month less with Plymouth Rock Assurance compared to Amica Mutual, and those with "poor" scores normally save an average of around 18% a month.

Is Amica Mutual or Plymouth Rock Assurance Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a substantial impact on your monthly rates. Generally, the more milage you put on your car, the more you can expect to pay for auto insurance.

In this case, neither Amica Mutual or Plymouth Rock Assurance report increasing prices for drivers with higher annual mileage figures. Still, Plymouth Rock Assurance comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle every year, with average premiums of $274 a month for both.

Amica Mutual or Plymouth Rock Assurance: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for car insurance, but the type of area you live in can have a pretty big impact as well. Typically, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders due to the number of cars that are on the roads where they live.

Plymouth Rock Assurance boasts the most affordable average premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

In urban areas, Plymouth Rock Assurance's average prices are about $355 while Amica Mutual offers premiums around $408. Drivers in suburban ZIP codes pay a monthly premium of about $283 with Plymouth Rock Assurance compared to $348 with Amica Mutual. Those in rural areas can expect to pay around $183 per month with Plymouth Rock Assurance and $321 with Amica Mutual.

Amica Mutual vs. Plymouth Rock Assurance 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 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 qualify for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Amica Mutual and Plymouth Rock Assurance so that you can find the carrier that has the most discounts and, therefore, the largest savings.

Plymouth Rock Assurance blows Amica Mutual away when it comes to the sheer amount of discounts available, offering 16 more discounts than Amica Mutual.

A couple of those are overlapping for things like. Plymouth Rock Assurance also offers discounts for advance quote, agency transfer, anti-theft, and more.

Amica Mutual's discounts come through just.

Final Thoughts: Is Amica Mutual or Plymouth Rock Assurance Best for You?

So, you've seen how different factors can affect your auto insurance prices. We've shown you all the discounts each carrier offers, too. But, when it comes down to it, which company is the right company for you and your specific driver profile?

Plymouth Rock Assurance might be best for you if....

• You don't have any speeding tickets, DUIs, or at-fault accidents on your record.
• You care about discounts (Plymouth Rock Assurance offers the most).
• You and your spouse are buying car insurance together.

Amica Mutual might be best for you if...

• You have received a ticket within the last few years.
• You want to save money on your auto insurance after an accident.
• You want to save money while purchasing insurance for a teenager.

Hopefully, this guide helps you get a good idea of the differences between Amica Mutual and Plymouth Rock Assurance and that you can now make a more informed decision when it comes to your auto 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 multiple companies, not just Amica Mutual and Plymouth Rock Assurance. 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 car insurance carriers in your area, all in just a few minutes.

Amica Mutual vs. Plymouth Rock Assurance FAQs

Is Amica Mutual or Plymouth Rock Assurance cheaper?

Plymouth Rock Assurance is the less expensive of the two companies when looking at national average rates, with policies averaging $274 per month with Plymouth Rock Assurance and $359 for Amica Mutual. Even so, that doesn't mean Plymouth Rock Assurance will be the cheapest carrier for each driver, since there are a variety of different variables that are considered when it comes to your auto insurance payment.

Who is better, Amica Mutual or Plymouth Rock Assurance?

Unfortunately, the only answer we can give you is "it depends.". No one company is necessarily "better" for every policyholder -- it all depends on the makeup of your unique insurance profile. For example, Plymouth Rock Assurance is more affordable for drivers who have less-than-stellar credit scores, while Amica Mutual offers cheaper premiums for drivers with an at-fault collision on their record.

Why do Amica Mutual and Plymouth Rock Assurance offer me different rates?

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

How do I know if Amica Mutual or Plymouth Rock Assurance is right for me?

The only way to find the insurance company 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 area information and you'll get quotes from dozens of your local top auto insurance companies 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 Plymouth Rock Assurance 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.