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

Quick Facts

• Based on national averages for car insurance, State Farm offers significantly cheaper rates than Amica Mutual
• State Farm has less expensive premiums for policyholders who live in rural neighborhoods
• State Farm tends to be a much more affordable option for drivers who have below-average credit

Amica Mutual or State Farm: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering large savings. But exactly how much can you save by switching?

You've maybe even narrowed it down to Amica Mutual or State Farm as potential options, but between the two, which carrier has cheaper prices for auto insurance?

Looking at the national average rates for both carriers, State Farm is quite a bit cheaper than Amica Mutual, with rates averaging $158 a month compared to $359 with Amica Mutual.

However, that doesn't mean State Farm will necessarily be less expensive than Amica Mutual for every single driver. Car insurance companies vary their premiums depending on things like where you live, how old you are, how clean your driving record is, how good your credit score is, and all sorts of other factors, so prices will differ quite a bit from person to person.

Wanting to know if Amica Mutual or State Farm 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. State Farm: Average Car Insurance Rates by State

Amica Mutual and State Farm compete against each other in four states, with State Farm offering more affordable premiums to the average driver in all of them. Rhode Island has the most noticable difference, where State Farm prices are $321 cheaper than auto insurance rates at Amica Mutual.

That being said, there's a lot more that goes into your insurance payment than just your home state. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance premiums of any other group of drivers out there on the road. That's normally because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean teen drivers can't still save money on their insurance. Just look at the table above -- where 18-year-old drivers who have State Farm for their car insurance pay almost 50% less than those who use Amica Mutual.

That being said, both carriers will drop rates by the time drivers turn 25. For example, average premiums for Amica Mutual policyholders lower nearly 60% and State Farm's prices reduce almost 60% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the cheapest auto insurance premiums you can find. After all, they've likely been driving for quite some time, which typically decreases their chances of collisions and other infractions that can raise prices.

But who has the best rates for retired drivers between Amica Mutual and State Farm? State Farm gets the edge, with premiums for drivers 65 and older nearly 70% less expensive than the national average for Amica Mutual.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance prices tend to be more expensive for single drivers than they are for married drivers. This usually boils down to married policyholders having multiple vehicles on their policy -- something lots of car insurance companies will reward with discounts.

For single policyholders, the difference in average rates between these two carriers is significant, with State Farm premiums coming in at around half of Amica Mutual's. The advantage for married couples with State Farm is also obvious, where drivers save about $200 per month.

Amica Mutual or State Farm: Average Rates by Gender

You may not know, but men generally pay more for auto insurance than women do. This is because men are statistically more likely than women to get into accidents and file an insurance claim, which leads to increased risk for insurers and, therefore, higher rates.

With Amica Mutual, women typically pay around $6 a month less than men, and about $12 less with State Farm.

Looking at the data for each company specifically, State Farm comes out on top for both men and women. On average, male drivers save about $198 per month and women save around $204 with State Farm compared to the average Amica Mutual policyholder.

Amica Mutual vs. State Farm: 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.

It's no secret that car insurance can be a complicated subject for most people. Everyone needs insurance, but there are so many different limits and coverages that it can be hard to find the right policy for you.

Even so, most 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 generally refers to having collision and comprehensive coverages in addition to liability coverage).

Looking specifically at state minimum liability limits, State Farm has the significant edge, with average monthly prices coming in at $99. If you want a full coverage policy with the same state minimum limits, State Farm again has the edge, with policies averaging about $216 a month to Amica Mutual's $508.

Is Amica Mutual or State Farm Better for Drivers with Spotty Records?

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

You'll probably end up paying more with at-fault collisions and speeding tickets on your record, but which of these two carriers offers the lowest prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Amica Mutual for their insurance can normally expect their monthly bill to go up around 20% after getting a speeding ticket. State Farm policyholders can expect a less drastic increase of about 14%.

That being said, State Farm has more affordable premiums for drivers in both categories. With State Farm, drivers with a clean record can save around $81 per month and drivers with a ticket can save about $113 a month.

Which Company is Best for Drivers After an Accident?

Amica Mutual drivers who get in an accident can expect to see their rates climb by just under $40, while those who have insurance through State Farm will see around a $30 increase.

At the end of the day, the less expensive prices come from State Farm, with average premiums coming in at $163 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 auto insurance bill -- usually a lot more than a collision or speeding ticket. For example, Amica Mutual increases average rates by nearly $500 per month -- that's nearly a 70% increase.

How does Credit Score Impact Amica Mutual and State Farm Rates?

You may not realized it, but your credit score can come into play when companies determine your monthly bill. This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as a car insurance factor) but it does affect many policyholders out there.

Car insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

So, which carrier offers the most affordable prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a pretty big impact on your monthly insurance bill. Generally, the more milage you drive, the more you can expect to pay for auto insurance.

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 premiums for State Farm, with drivers who put 6,000 miles on their car annually paying about $13 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, State Farm is the more affordable company.

Amica Mutual or State Farm: 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 sizable impact as well. Normally, those who live in rural areas will pay less than drivers in urban areas due to the small number of vehicles that are on the roads where they live.

When comparing these two companies side-by-side, State Farm typically comes out as the lowest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save around $194 with State Farm compared to Amica Mutual. People who live in suburban areas pay about $187 less with State Farm compared to Amica Mutual. For policyholders in urban ZIP codes, State Farm's average rates are around $223 less than Amica Mutual Insurance.

Amica Mutual vs. State Farm Discounts

You want to save as much money as you can, right? The best way to do that is by utilizing 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 hard to find all the ones you can take advantage of.

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

State Farm blows Amica Mutual away when it comes to the sheer amount of discounts available, offering 23 more discounts than Amica Mutual.

A couple of those are overlapping for things like. State Farm also offers discounts for ABS, annual mileage, anti-theft, and more.

Amica Mutual's discounts come through just.

Final Thoughts: Is Amica Mutual or State Farm Best for You?

You've seen the role certain factors have on your auto insurance and the different discounts carriers offer. But, when it comes down to it, which insurance company is the right one for you and your specific driver profile?

State Farm might be best for you if....

• You have a speeding ticket on your driving record.
• You already have a great credit score.
• 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 helps you get a better idea of the difference between Amica Mutual and State Farm and that it aids in making a more informed decision about your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several companies, not just Amica Mutual and State Farm. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

Amica Mutual vs. State Farm FAQs

Is Amica Mutual or State Farm cheaper?

State Farm is the cheaper of the two companies when looking at national average prices, with policies averaging $158 a month with State Farm and $359 for Amica Mutual. Even so, that doesn't mean State Farm will be the most affordable carrier for each policyholder, since there are several different variables that are considered when it comes to your insurance cost.

Who is better, Amica Mutual or State Farm?

Unfortunately, the answer truly is "it depends.". Neither company is necessarily "better" for every policyholder -- it all depends on the makeup of your unique car insurance profile.

Why do Amica Mutual and State Farm offer me different rates?

Auto insurance carriers use several different factors when determining the rates they charge. Variables like your driving record, where you call home, age, gender, and sometimes even things like your credit score can all be used. Both Amica Mutual and State Farm use different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from multiple different companies.

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

The only way to find the insurance company that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top car insurance companies for free. With those, you can guarantee you're getting the best premium. And maybe you'll find that the best carrier for you isn't Amica Mutual or State Farm 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.