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

Want to know if Amica Mutual or Selective is the better choice for insurance? You're probably wondering which carrier offers the best prices or the most discounts. Check out our latest guide below to find out which of these two companies is the best for you.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for car insurance, Selective offers significantly less expensive premiums than Amica Mutual
  • Selective has cheaper rates for policyholders who drive fewer than 12,000 miles yearly
  • Selective offers more affordable average prices for policyholders who are looking to purchase insurance with a spouse

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

You might be considering Amica Mutual or Selective as potential options, but between the two, which carrier will save you the most?

Amica Mutual Selective

Looking at the national average rates for both carriers, Amica Mutual is quite a bit more expensive than Selective, with rates averaging $359 a month compared to just $184 with Selective.

Even so, Selective may not be the most affordable or best option for every driver out there. After all, insurance companies can offer drastically different rates to every driver depending on rating factors like your driving record, your age, where you call home, or even your credit score (among other things). So, at the end of the day, premiums from each company will differ quite a bit from person to person.

Wanting to know if Amica Mutual or Selective is really the right carrier for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

Amica Mutual vs. Selective: Average Car Insurance Rates by State

State Amica Mutual Selective

Amica Mutual and Selective only compete against each other in New Jersey, where Selective offers the cheaper average premiums. Selective drivers tend to pay about $242 per month less on average compared to drivers who use Amica Mutual for their car insurance.

But there's more to auto insurance than just your home state. As we mentioned above, there's a lot of things that go into how insurance carriers determine your prices. Keep reading to learn more.

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Which is the Best Company For Young Drivers?

Amica Mutual Selective
18-year-old drivers$700$446
25-year-old drivers$288$166

You might already know that teen drivers typically pay a lot more for car insurance than any other group of drivers out there on the road. It's 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.

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. As you can see above, teens who use Selective save over 35% a month compared to those who use Amica Mutual.

But with both companies, you'll see your prices decrease significantly by the time drivers turn 25. Selective offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Amica Mutual's average rates drop almost 60% during that same period.

Which is the Best Company for Retired Drivers?

Amica Mutual Selective
65+-year-old drivers$345$120

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

But who has the best premiums for retired drivers between Amica Mutual and Selective? Selective gets the edge, with prices for drivers 65 and older more than 65% less expensive than the national average for Amica Mutual.

Which is the Best Company for Married Drivers?

Amica Mutual Selective

You may not be aware, but auto insurance rates tend to be cheaper for married policyholders than they are for single policyholders. That's because policies for married couples usually cover several vehicles, which several carriers will give you a discount for.

For those who are single, the difference in average premiums between these two companies is significant, with Selective prices coming in at around half of Amica Mutual's. For married drivers, the advantage is clear again - Selective has the edge when it comes to average rates.

Amica Mutual or Selective: Average Rates by Gender

Amica Mutual Selective

You may not know, but men normally pay more for insurance than women do. This is because men are statistically more likely than women to cause a collision and get into accidents, which leads to increased risk for insurers and, therefore, higher premiums.

Typically, women see prices about $6 per month more affordable with Amica Mutual, and around $10 less with Selective.

When it comes to the lowest premiums for each gender, Selective comes out as the most affordable option for both genders, with average rates $173 less for men and $177 cheaper for women.

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Amica Mutual vs. Selective: Compare State Minimum vs. Full Coverage Rates

Amica Mutual Selective
State Minimum*$210$127
Full Coverage**$508$241

*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 auto insurance can be pretty complicated. Everyone needs car insurance, but there are so many different limits and coverages that it can be hard to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (which provides property damage and bodily injury coverage for other drivers and their passengers 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 limits for liability insurance, Selective has the significant edge, with average monthly premiums coming in at $127. If you want a full coverage policy with the same state minimum limits, Selective again has the edge, with policies averaging about $241 a month to Amica Mutual's $508.

Is Amica Mutual or Selective 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.

Collisions and speeding tickets will most likely raise your prices, but is Amica Mutual or Selective less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Amica Mutual Selective
Clean Record$215$141
1 Speeding Ticket$268$217

Policyholders who use Amica Mutual for their insurance can generally expect their monthly bill to go up around 20% after getting a speeding ticket. Selective policyholders can expect a bit more drastic of an increase of about 35%.

That being said, Selective tends to offer the best prices for drivers both with clean records and with a ticket, offering rates that are $74 and $51 more affordable, respectively, compared to Amica Mutual Insurance.

Which Company is Best for Drivers After an Accident?

Amica Mutual Selective
Clean Record$215$141
1 At-Fault Accident$254$162

Amica Mutual drivers who get in an accident can expect to see their prices climb by over 15%, while those who have insurance through Selective will see around a 15% increase.

At the end of the day, Selective offers the lowest premiums for drivers with an at-fault collision on their records, with average rates coming in at $162 compared to Amica Mutual Insurance's $254.

Which Company is Best for Drivers with a DUI?

Amica Mutual Selective
Clean Record$215$141
1 DUI$699$217

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even a collision. For example, Amica Mutual increases average prices by nearly $500 per month -- that's nearly a 70% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, Selective tends to be cheaper for the average driver, with monthly premiums coming in at about $217 to Amica Mutual's $699.

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How does Credit Score Impact Amica Mutual and Selective Rates?

Did you know many car insurance carriers take into account your credit score when determining rates? This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as an auto insurance factor) but it does affect quite a few policyholders out there.

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

Looking at Amica Mutual and Selective specifically, which one has the best prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Amica Mutual Selective
Excellent Credit Score$249$179
Good Credit Score$299$180

If you have solid credit, Selective will normally reward you the most. For policyholders with "excellent" credit scores, Selective comes in just under 28.11 more affordable. Drivers with "good" credit scores usually save around 40% with Selective compared to average rates from Amica Mutual.

Which Company is Best for Drivers with Bad Credit?

Amica Mutual Selective
Fair Credit Score$400$183
Poor Credit Score$540$195

Selective typically offers lower premiums than Amica Mutual when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 54% a month less with Selective compared to Amica Mutual, and those with "poor" scores typically save an average of around 64% monthly.

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

Amica Mutual Selective
6,000 Annual Miles$359$184
12,000 Annual Miles$359$184

Did you know that the amount of time you spend in your car have a big impact on your monthly rates? That's because the fewer miles you put on your car, the less likely you are to be in an accident and file an insurance claim.

In this case, neither Amica Mutual or Selective report increasing premiums for drivers with higher annual mileage figures. Still, Selective comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle annually, with average prices of $184 per month for both.

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

Where you park your car can play a sizable role in how much you pay for auto insurance. Normally, those who live in urban areas will pay more than drivers in rural areas since there are a lot more vehicles on the roads where they live.

Amica Mutual Selective
Urban Areas$408$210
Suburban Areas$348$204
Rural Areas$321$139

Selective tends to offer the most affordable rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Selective Insurance's average prices are about 49% less than Amica Mutual Insurance. People who live in suburban areas pay around 41% less with Selective compared to Amica Mutual. Those in rural areas can expect to save about 57% with Selective compared to Amica Mutual.

Amica Mutual vs. Selective Discounts

No matter 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 you can. That's where insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be challenging to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Amica Mutual and Selective so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Amica Mutual Selective
Advance Quote Discount 
Anti-Theft Discount 
Defensive Driver Discount 
Distant Student Discount 
Driver Training Discount 
Good Driving Discount 
Good Student Discount 
Group Discount 
Multi-Car Discount 
Multi-Policy Discount 
Occasional Operator Discount 
Passive Restraint Discount 
Prior Insurance Discount 

Selective blows Amica Mutual away when it comes to the sheer amount of discounts available, offering 13 more discounts than Amica Mutual.

A couple of those are overlapping for things like. Selective also offers discounts for advance quote, anti-theft, defensive driver, and more.

Amica Mutual's discounts come through just.

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

So, you've seen how different variables can affect your auto 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 best one for you and your specific needs?

Selective might be best for you if....

  • You will be the only person on the car insurance policy.
  • You're looking for discounts -- Selective has the most.
  • Your neighborhood is in a rural area.

Amica Mutual might be best for you if...

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

Hopefully, this guide has ben a valuable resource as you compare Amica Mutual and Selective. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on car insurance -- comparing quotes from several carriers, not just Amica Mutual and Selective. Luckily, sites like make it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best auto insurance companies in your area, all in just a few minutes.

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Amica Mutual vs. Selective FAQs

Is Amica Mutual or Selective cheaper?

Selective is the less expensive of the two carriers when looking at national average premiums, with policies averaging $184 a month with Selective and $359 for Amica Mutual. However, that doesn't mean Selective will be the cheapest company for each policyholder, since there are a range of different factors that come into play when it comes to your car insurance cost.

Who is better, Amica Mutual or Selective?

Unfortunately, the real answer is "it depends.". Neither carrier is necessarily "better" for every policyholder -- it all depends on what your unique auto insurance profile looks like.

Why do Amica Mutual and Selective offer me different rates?

Insurance companies use a lot of different variables when calculating the prices they charge. Factors such as age, your driving record, gender, where your home is, and sometimes even things like your credit score can all be used. Both Amica Mutual and Selective calculate rates using different formulas, so it's likely they'll offer different premiums. The best way to determine which company is the most affordable for you is by comparing personalized quotes from lots of different carriers.

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

The only way to find the auto insurance carrier 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 insurance carriers for free. With those, you can guarantee you're getting the best price. And maybe you'll find that the best company for you isn't Amica Mutual or Selective 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.

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