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

Quick Facts

• In general, Travelers offers significantly cheaper premiums than Amica Mutual
• Travelers offers less expensive average prices for policyholders who live in rural neighborhoods
• Travelers has more affordable premiums for policyholders who drive fewer than 6,000 miles yearly

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

You might be considering Amica Mutual or Travelers for your next policy, but between the two, which carrier will offer you cheaper rates?

Looking at nationwide averages, Travelers is quite a bit cheaper than Amica Mutual, with premiums averaging $167 a month compared to $359 with Amica Mutual.

That being said, Travelers may not be the cheapest or best option for every single driver out there. After all, insurance carriers can offer drastically different rates to every driver depending on rating factors like your age, where you call home, your credit score, or even your driving record (among other things), so rates could change drastically from person to person.

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

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

Amica Mutual and Travelers only compete against each other in three states, with Travelers offering more affordable premiums to the average driver in all of them. Rhode Island has the most noticable difference, where Travelers rates are $229 less expensive than car insurance prices at Amica Mutual.

There's a lot more that goes into your auto insurance bill than just where you live. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for insurance than any group out there on the road. That's 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. For example, 18-year-old drivers pay an average of almost 50% less per month by choosing Travelers over Amica Mutual.

But with both companies, you'll see your prices drop significantly by the time you turn 25. For example, average premiums for Amica Mutual policyholders decrease nearly 60% and Travelers's rates reduce over 60% over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Amica Mutual and Travelers specifically, which carrier is best for retired drivers? Travelers gets the edge, with rates for drivers 65 and older $213 cheaper than the national average for Amica Mutual.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are usually more expensive for single drivers than they are for married policyholders? That's because policies for married drivers generally cover several vehicles, which several carriers will give you a discount for.

For single policyholders, the difference in average prices between these two companies is significant, with Travelers premiums coming in at around half of Amica Mutual's. The advantage for married couples with Travelers is also obvious, where drivers save almost 60% a month.

Amica Mutual or Travelers: Average Rates by Gender

Because women are less likely to get into collisions and get tickets, they have a decreased chance of filing a claim with insurance. So, insurance carriers will often charge women less than men.

Men usually pay about $6 per month more than women with Amica Mutual, but with Travelers, the difference is closer to $11 a month.

Looking at the data for each company specifically, Travelers offers the most affordable average prices for both men and women, with average rates $190 less for men and $195 cheaper for women.

Amica Mutual vs. Travelers: 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 pretty complicated. There are several different coverages that account for a bunch of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers and their passengers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with a liability policy).

Looking specifically at state minimum liability insurance, Travelers has the significant edge, with average monthly premiums coming in at $108. If you want a full coverage policy with the same state minimum limits, Travelers again has the edge, with policies averaging around $225 per month to Amica Mutual's $508.

Is Amica Mutual or Travelers 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.

Speeding tickets and accidents will most likely raise your rates, but is Amica Mutual or Travelers more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

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

Even so, Travelers tends to offer the best prices for drivers both with clean records and with a ticket, offering prices that are $87 and $108 less expensive, respectively, compared to Amica Mutual Insurance.

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 car insurance rates. Drivers who use Travelers for their insurance will see a monthly bill about $45 (or 26%) more expensive after reporting a collision to their auto insurance carrier.

At the end of the day, the more affordable prices come from Travelers, with average premiums coming in at $173 compared to Amica Mutual Insurance's $254.

Which Company is Best for Drivers with a DUI?

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% raise in their insurance prices after a DUI charge, while Travelers will normally increase rates by around 38%.

How does Credit Score Impact Amica Mutual and Travelers Rates?

Often times, your credit score can come into play when companies determine your monthly bill. This isn't true for everyone (for example, California and Michigan are two states that ban the practice entirely), but it does affect quite a few drivers out there.

Car insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with less expensive premiums.

Looking specifically at Amica Mutual and Travelers, which company has the lowest prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

The amount of time you spend behind the wheel of your car plays a big role in how much auto insurance companies will charge for coverage. Usually, the more milage you put on your vehicle each year, the more you can expect to pay for coverage.

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 Travelers, with policyholders who drive 6,000 miles each year paying about $5 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Travelers is the cheaper company.

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

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

Travelers tends to offer the most affordable rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

In urban areas, Travelers's average premiums are around $204 a month compared to Amica Mutual's $408. Drivers in suburban ZIP codes pay about $160 with Travelers compared to Amica Mutual's $348 a month. Those in rural areas can expect to pay around $136 monthly with Travelers and $321 with Amica Mutual.

Amica Mutual vs. Travelers 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, and the best way to do that is by taking advantage of as many auto insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts Amica Mutual and Travelers offer their customers so that you can see which one can save you the most money each month.

Travelers blows Amica Mutual away when it comes to the sheer amount of discounts available, offering 25 more discounts than Amica Mutual.

There are a couple discounts both carriers offer, but Travelers also offers discounts for ABS, advance quote, alternative fuel, and more.

Amica Mutual's discounts come through just.

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

You've seen the effect certain variables have on your car insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, is Amica Mutual or Travelers the right fit for you?

Travelers might be best for you if....

• Your driving record includes a DUI charge.
• You live in an urban area.
• You're of retirement age and want to take advantage of lower rates.

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 Travelers and that you can now make a more informed decision when it comes to your 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 Travelers. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top car insurance companies in your area, all in just a few minutes.

Amica Mutual vs. Travelers FAQs

Is Amica Mutual or Travelers cheaper?

Travelers is the more affordable of the two carriers when looking at national average prices, with policies averaging $167 per month with Travelers and $359 for Amica Mutual. However, that doesn't mean Travelers will be the cheapest carrier for each driver, since there are lots of different factors that are considered when it comes to your insurance cost.

Who is better, Amica Mutual or Travelers?

Unfortunately, the real answer is "it depends.". One company is not "better" for every policyholder -- it all depends on what your unique car insurance profile looks like.

Why do Amica Mutual and Travelers offer me different rates?

Insurance companies use many different variables when determining the premiums they charge. Factors like age, gender, 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 Travelers calculate rates differently, 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 multiple different carriers.

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

The only way to find the auto 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 Compare.com make it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top car insurance carriers 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 Travelers 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.