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

Quick Facts

• Looking at the national averages for insurance, Vermont Mutual offers significantly more affordable rates than Amica Mutual
• Vermont Mutual offers more affordable premiums for policyholders who drive a short distance to work everyday
• Vermont Mutual has cheaper prices for policyholders who don't have any speeding tickets, DUIs, or at-fault accidents on their record

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

Are you considering a new insurance policy? With so many ads from all sorts of companies offering big discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Amica Mutual or Vermont Mutual for your next policy, but which carrier will save you the most?

Looking at nationwide averages, Vermont Mutual is quite a bit cheaper than Amica Mutual, with rates averaging $173 per month compared to $359 with Amica Mutual.

However, Vermont Mutual may not be the most affordable or best option for each driver out there. Auto insurance companies use tons of complex algorithms to calculate prices, so depending on how old you are or where you live (among a variety of other factors), you could see wildly different rates from the ones above.

Luckily, we've broken down average premiums from both Amica Mutual and Vermont Mutual by several different rate factors, so read on to find out which carrier is the best for you.

Amica Mutual or Vermont Mutual: Average Car Insurance Rates by State

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

But there's more to car insurance than just where you call home. As we mentioned above, there's a lot of things that go into how auto insurance carriers determine your premiums. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for car insurance than any group on the road. 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 rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Vermont Mutual for their insurance pay more than $350 less than those who use Amica Mutual.

But both companies will offer you dramatically lower prices by the time you turn 25. For example, average premiums for Amica Mutual policyholders lower nearly 60% and Vermont Mutual's rates reduce over 50% over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Amica Mutual and Vermont Mutual specifically, which company is best for retired drivers? Vermont Mutual gets the edge, with rates for drivers 65 and older more than 60% less expensive than the national average for Amica Mutual.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance premiums tend to be cheaper for married couples than they are for those who are single. That's because policies for married policyholders usually cover multiple cars, which many carriers will offer you a discount for.

When it comes to relationship status, Vermont Mutual is the clear winner for single drivers, with prices about $188 a month more affordable than Amica Mutual, on average. The advantage for married drivers with Vermont Mutual is also obvious, where drivers save over 55% per month.

Amica Mutual vs. Vermont Mutual: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident. That means when it comes to car insurance men will typically end up paying a little more.

On average, women see premiums around 2% a month less with Amica Mutual, and about 8% less with Vermont Mutual.

Looking at the data for each carrier specifically, Vermont Mutual offers the lowest average rates for both men and women, with average prices $182 less for men and $190 cheaper for women.

Amica Mutual or Vermont Mutual: 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 insurance can be a complicated subject for most people. There are so many different limits and coverages that it can make it pretty confusing to find the right policy.

That being said, the most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with liability coverage).

If you're looking for state minimum liability insurance, Vermont Mutual generally offers significantly cheaper premiums of $85 compared to Amica Mutual's $210. When it comes to full coverage policies with similar limits, Vermont Mutual again has the edge, with policies around $250 per month less expensive than Amica Mutual, on average.

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

You've probably seen plenty of commercials from auto insurance companies 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 collisions will most likely raise your rates, but is Amica Mutual or Vermont Mutual more affordable for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Amica Mutual policyholders can expect their premiums to go up an average of $53 a month if they get a ticket, while Vermont Mutual typically raises rates about $7 per month, on average.

Even so, Vermont Mutual is normally the less expensive option for drivers both with clean records and with a speeding ticket, offering prices that are $98 and $144 cheaper, respectively, compared to Amica Mutual Insurance.

Which Company is Best for Drivers After an Accident?

Both carriers will increase premiums pretty significantly if you get into an at-fault accident with Amica Mutual climbing by just under $40. Vermont Mutual has a less extreme climb, but you can still expect to pay over $25 more than you were prior to your first collision.

Overall, drivers who use Vermont Mutual end up with the cheaper prices after an accident, with monthly prices averaging $144 compared to Amica Mutual Insurance's $254.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your car insurance bill. For example, Amica Mutual increases average rates by nearly $500 a month -- that's just under a 70% increase.

If you have a DUI on your record and are looking for more affordable prices, Vermont Mutual tends to be the much less expensive option with average premiums of $307 per month compared to $699 from Amica Mutual.

How does Credit Score Impact Amica Mutual and Vermont Mutual Rates?

Did you know that many auto insurance companies take into account your credit score when calculating rates? This isn't always the case (for example, Massachusetts and California are two states that ban the practice entirely), but it might come into play for lots of drivers.

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

Looking at Amica Mutual and Vermont Mutual specifically, which one has the best premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Vermont Mutual. Drivers with "excellent" credit can save nearly 60% compared to Amica Mutual, and those with "good" scores can also expect to see savings -- around $178 or 60% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

Vermont Mutual typically offers lower prices than Amica Mutual when it comes to drivers with bad credit. Drivers with "fair" credit pay about $238 per month less with Vermont Mutual compared to Amica Mutual, and those with "poor" scores usually save an average of around $250 a month.

Is Amica Mutual or Vermont Mutual 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 your monthly rates. That's because the more miles you put on your car each year, the more likely you are to get into an accident and cause an insurance claim.

In this case, neither Amica Mutual or Vermont Mutual report increasing premiums for drivers with higher annual mileage figures. Vermont Mutual comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle each year, with average prices of $173 a month for both.

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

Where you call home can play a big role in how much you pay for car insurance. Generally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers due to the number of cars that are on the roads in those areas.

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

Policyholders in rural ZIP codes see the most affordable prices from both companies, but Vermont Mutual comes out on top with average rates about $152 monthly. Vermont Mutual also has cheaper average premiums for drivers in urban and suburban ZIP codes -- a 51% and 51% per month respective difference when compared to Amica Mutual policyholders in similar areas.

Amica Mutual vs. Vermont Mutual Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many auto insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you can take advantage of.

In the table below, we've broken down all of the different discounts offered by both Amica Mutual and Vermont Mutual so that you can find the company that has the most discounts and, therefore, the biggest savings.

Vermont Mutual knocks Amica Mutual out of the park when it comes to the sheer number of discounts available, offering 14 more discounts than Amica Mutual.

Both carriers offer a lot of the same discounts -- like -- but Vermont Mutual also offers ABS discounts, advance quote discounts, annual mileage discounts, and more that Amica Mutual does not.

Amica Mutual's discounts come through just.

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

So, we've broken down the average rates for many of the variables insurance companies look at, and we've shown you all the discounts each company offers. That's all well and good, but at the end of the day, is Amica Mutual or Vermont Mutual the best carrier for you, your vehicle, and your wallet?

Vermont Mutual might be best for you if....

• You're single and purchasing car insurance by yourself.
• You want basic insurance coverage at the state minimum limits.
• You don't spend much time in your car.

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 good idea of the differences between Amica Mutual and Vermont Mutual and that it aids in making a more informed decision about 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 multiple carriers, not just Amica Mutual and Vermont Mutual. 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. Vermont Mutual FAQs

Is Amica Mutual or Vermont Mutual cheaper?

Looking just at the national average premiums, Vermont Mutual is the more affordable of the two carriers, offering average rates of $173 a month compared to $359 for Amica Mutual. That being said, Vermont Mutual won't necessarily be the lowest carrier for every policyholder, since there are a range of different factors that come into play when it comes to your auto insurance payment.

Who is better, Amica Mutual or Vermont Mutual?

Unfortunately, the only answer we can give you is "it depends.". One company is not "better" for everyone -- it all boils down to your unique insurance profile.

Why do Amica Mutual and Vermont Mutual offer me different rates?

Auto insurance companies take a look at quite a few different variables when determining the prices they charge drivers. Things such as where your home is, gender, where you park your vehicle, age, and sometimes even things like your credit score can all come into play. Both Amica Mutual and Vermont Mutual calculate premiums differently, so each one will most likely offer different rates. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from many different carriers.

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

The only way to find the car insurance company that's right for you is by getting quotes from several 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 ZIP code and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be Amica Mutual or Vermont Mutual at all!

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.