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

Looking for car insurance and wondering if Amica Mutual or Safety is the right company for you? If so, you're probably wondering which carrier has the cheapest prices or the biggest discounts. Luckily, we've done the heavy lifting for you and compared the two companies to help you find the best deal on your next insurance policy.
Newly insured car driving down the road
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Quick Facts

  • In general, Safety offers significantly cheaper rates than Amica Mutual
  • Safety offers less expensive average premiums for drivers who have an at-fault accident on their record
  • Safety offers more discounts than Amica Mutual Insurance

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

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering huge discounts. But exactly how much can you save by switching?

You might be considering Amica Mutual or Safety as potential options, but which one will offer you more affordable prices?

Amica Mutual Safety

Looking at nationwide averages, Safety has average rates that are about 40% per month less expensive than those from Amica Mutual.

Even so, Safety may not be the lowest or best option for every single driver out there. Car insurance companies vary their rates depending on things like how old you are, how clean your driving record is, how good your credit score is, where you live, and tons of other factors, so premiums will vary quite a bit from person to person.

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

Amica Mutual or Safety: Average Car Insurance Rates by State

State Amica Mutual Safety

Amica Mutual and Safety only compete against each other in one states, with Amica Mutual offering cheaper premiums to the average driver in all of them. Massachusetts has the most noticable difference, where Amica Mutual prices are over 60% more affordable than auto insurance rates at Safety.

But there's more to calculating car insurance prices than just your home state. Read on to learn more.

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Which is the Best Company For Young Drivers?

Amica Mutual Safety
18-year-old drivers$700$421
25-year-old drivers$288$209

Young drivers -- especially teens -- typically pay a lot for insurance compared to older drivers. The reason is that 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. As you can see above, teens who use Safety save nearly $300 a month compared to those who use Amica Mutual.

That being said, with both carriers, you'll see your rates reduce significantly once you turn 25. Safety offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. Amica Mutual's average premiums lower almost 60% during that same period.

Which is the Best Company for Retired Drivers?

Amica Mutual Safety
65+-year-old drivers$345$164

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable prices out there.

But who has the best premiums for retired drivers between Amica Mutual and Safety? Safety gets the edge here, with average prices coming in at around $164 monthly compared to Amica Mutual's $345.

Which is the Best Company for Married Drivers?

Amica Mutual Safety

Married drivers tend to get slightly less expensive insurance rates than single drivers. That's because policies for married couples usually cover several cars, which a lot of companies will offer you a discount for.

When it comes to relationship status, Safety is the clear winner for those who are single, with premiums about $145 per month cheaper than Amica Mutual, on average. The advantage for married policyholders with Safety is also obvious, where drivers save more than 40% a month.

Amica Mutual vs. Safety: Average Rates by Gender

Amica Mutual Safety

Men are statistically more likely than women to cause a collision and get into accidents, which means they'll normally end up paying more for auto insurance than women.

With Amica Mutual, women generally pay around $6 per month less than men, while with Safety, the difference is closer to $11 a month.

Looking at overall affordability, Safety comes out as the cheapest option for both genders. On average, women save about $144 per month and men save about $139 with Safety compared to the average Amica Mutual policyholder.

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Amica Mutual or Safety: Compare State Minimum vs. Full Coverage Rates

Amica Mutual Safety
State Minimum*$210$122
Full Coverage**$508$313

*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.

Car insurance can be a complicated subject for most people. There are multiple different coverages that account for several 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.

But most policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability).

If you're looking for state minimum liability insurance, Safety usually offers significantly more affordable rates of $122 compared to Amica Mutual's $210. When it comes to full coverage policies with similar limits, Safety again has the edge, with policies around $200 a month cheaper than Amica Mutual, on average.

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

You've probably seen plenty of commercials from insurance carriers offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

Tickets and accidents will most likely raise your rates, but is Amica Mutual or Safety more affordable for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Amica Mutual Safety
Clean Record$215$129
1 Speeding Ticket$268$190

Amica Mutual policyholders can expect their prices to go up an average of $53 per month if they get a ticket, while Safety typically raises premiums about $61 a month, on average.

However, Safety has less expensive rates for drivers in both categories, offering prices that are 40% and 29% cheaper, respectively, compared to Amica Mutual Insurance.

Which Company is Best for Drivers After an Accident?

Amica Mutual Safety
Clean Record$215$129
1 At-Fault Accident$254$226

Both companies will increase premiums pretty significantly if you get into an at-fault collision with Safety increasing by over $95. Amica Mutual has a less extreme climb, but you can still expect to pay just under $40 more than you were prior to your first accident.

Overall, the less expensive prices come from Safety, with monthly premiums averaging $226 compared to Amica Mutual Insurance's $254.

Which Company is Best for Drivers with a DUI?

Amica Mutual Safety
Clean Record$215$129
1 DUI$699$324

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. Amica Mutual drivers usually see a 69% increase in their auto insurance rates after a DUI charge, while Safety will generally climb prices by around 60%.

If you have a DUI on your record and are looking for more affordable rates, Safety tends to be the much more affordable option with average premiums of $324 a month compared to $699 from Amica Mutual.

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How does Credit Score Impact Amica Mutual and Safety Rates?

Did you know that many insurance carriers take into account your credit score when calculating prices? This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it does affect quite a few drivers out there.

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

So, which carrier offers the best rates for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Amica Mutual Safety
Excellent Credit Score$249$142
Good Credit Score$299$151

If you have great credit, you'll usually find a better deal with Safety. Drivers with "excellent" credit can save just under 45% compared to Amica Mutual, and those with "good" scores can also expect to see savings -- about $148 or 49% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

Amica Mutual Safety
Fair Credit Score$400$188
Poor Credit Score$540$261

Safety typically offers lower premiums than Amica Mutual when it comes to drivers with bad credit. Drivers with "fair" credit pay around $212 per month less with Safety compared to Amica Mutual, and those with "poor" scores normally save an average of about $279 per month.

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

Amica Mutual Safety
6,000 Annual Miles$359$216
12,000 Annual Miles$359$219

Did you know that the amount of time you spend in your car have a sizable impact on your monthly car insurance bill? That's because the fewer miles you drive, the less likely you are to get into a collision and cause 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 Safety, with policyholders who drive the least paying around $3 less each month compared to those who drive 12,000 miles yearly. Still, Safety is the more affordable option for drivers in both categories.

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

Where your home is can play a substantial role in how much you pay for insurance. Generally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because there are a lot fewer cars on the roads in those areas.

Amica Mutual Safety
Urban Areas$408$282
Suburban Areas$348$221
Rural Areas$321$148

When comparing these two carriers side-by-side, Safety usually comes out as the lowest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the cheapest prices from both companies, but Safety comes out on top with average rates about $148 monthly. Safety also has less expensive average premiums for drivers in urban and suburban ZIP codes -- a $126 and $127 a month respective difference when compared to Amica Mutual policyholders in similar areas.

Amica Mutual vs. Safety 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, and the best way to do that is by utilizing as many auto insurance discounts as you can.

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're eligible for.

In the table below, we've compared all of the different discounts offered by Amica Mutual and Safety so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Amica Mutual Safety
Advance Quote Discount 
Annual Mileage Discount 
Anti-Theft Discount 
Book Transfer Policy Discount 
Distant Student Discount 
Driver Training Discount 
E-Signature Discount 
Employee Discount 
Good Driving Discount 
Good Student Discount 
Group Discount 
Mature Driver Discount 
Multi-Car Discount 
Multi-Policy Discount 
Paperless Discount 
Passive Restraint Discount 
Renewal Discount 
Telematics Discount 

Safety blows Amica Mutual away when it comes to the sheer amount of discounts available, offering 18 more discounts than Amica Mutual.

There are a couple discounts both carriers offer, but Safety also offers advance quote discounts, annual mileage discounts, anti-theft discounts, and more that Amica Mutual does not.

Amica Mutual's discounts come through just.

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

So, you've seen how different factors can affect your insurance prices. We've broken down the different discounts each carrier offers, too. But, at the end of the day, which insurance company is the best company for you and your specific driver profile?

Safety might be best for you if....

  • You have a DUI charge on your record.
  • You already have a great credit score.
  • You've started working from home and don't have much of a commute.

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 Safety 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 auto insurance policy is to compare quotes from a handful of companies, not just Amica Mutual and Safety. Luckily, makes it easy for you to do just that. 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.

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Amica Mutual vs. Safety FAQs

Is Amica Mutual or Safety cheaper?

Looking just at the national average rates, Safety is the more affordable of the two companies, offering average rates of $217 per month compared to $359 for Amica Mutual. Even so, Safety won't necessarily be the lowest carrier for every policyholder, since there are a variety of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Amica Mutual or Safety?

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

Why do Amica Mutual and Safety offer me different rates?

Auto insurance carriers take a look at several different factors when determining the premiums they charge drivers. Things such as gender, where you live, age, your driving record, and sometimes even things like your credit score can all come into play. Both Amica Mutual and Safety calculate rates differently, so each one will most likely offer different premiums. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a bunch of different companies.

How do I know if Amica Mutual or Safety 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, sites like 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 companies in your area. With those, you can guarantee you're getting the lowest rate. And who knows, the best carrier for you might not be Amica Mutual or Safety at all!


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.

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