Liberty Mutual vs Amica

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Liberty Mutual or Amica Mutual Insurance:
Which Company is Best for You?

Choosing an auto insurance company can be tricky: companies' rates differ based on your location, age, and driving history, and companies offer an array of discounts. Liberty Mutual and Amica are two of the most popular insurance companies, offering competitively priced policies in most US states.

In an effort to make insurance shopping seamless, we collected average rates from Amica and Liberty Mutual. These take into account myriad rating factors, including credit rating, driving behavior, and age. Examine these rates and find your next car insurance policy today.

Seeking more information? Check out our reviews of Liberty Mutual and Amica.

 

Liberty Mutual vs. Amica: insurance rate comparison

 

Liberty Mutual vs. Amica: pricing by credit score

If you have very poor credit, Amica could be a better option for you. On average, Amica offers more affordable rates than Liberty Mutual for drivers with credit scores of 579 or less. Drivers with outstanding credit — a score of 800-plus — should favor Check out typical insurance costs by credit tier for Amica and Liberty Mutual below.

 
COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: AMICA VS. LIBERTY MUTUAL
Credit scoreLiberty Mutual avg. annual premiumAmica avg. annual premium
Very Poor (300-579)$3,228$2,010
Fair (580-669)$2,276$1,389
Good (670-739)$2,109$1,352
Very Good (740-799)$1,878$1,174
Exceptional (800-850)$1,792$1,057
 

Liberty Mutual vs. Amica: high-risk insurance rate comparison

If you've got an at-fault crash, speeding ticket, reckless driving violation, or DWI in your rear view mirror, Amica could be a better choice than Liberty Mutual. Every insurer will handle driving offenses differently, so it's worth comparing quotes to understand which insurer is best for you.

 
HIGH-RISK INSURANCE RATE COMPARISON: AMICA VS. LIBERTY MUTUAL
ViolationLiberty Mutual avg. annual premiumAmica avg. annual premium
At-fault accident (damage < $1,000)$2,776$1,646
At-fault accident (damage > $1,000)$2,112$1,152
DUI/DWI$4,182$3,356
Reckless driving$3,459$2,761
Speeding ticket$2,068$1,390
 

Liberty Mutual vs. Amica: rates by age

Insurance companies rely on a driver's age to outline risk potential, pricing premiums accordingly. A car insurance policy is commonly priciest for beginning and young drivers — due to their inexperience — and relatively affordable for drivers aged 25 or older. Because each insurance company evaluates age brackets in a different way, it's wise to compare rates and find a great fit.

As a general rule, teen drivers should choose Amica instead of Liberty Mutual: the former's average annual rates are $1,193 less than the latter's..

 
RATES BY AGE BRACKET: AMICA VS. LIBERTY MUTUAL
Age bracketLiberty Mutual avg. annual premiumAmica avg. annual premium
Teens$6,559$5,366
20s$2,686$1,631
30s$1,942$1,631
40s$1,926$1,151
50s$1,793$1,105
60s$1,746$1,066
 

Cost aside, Liberty Mutual and Amica come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

Discount ComparisonLiberty MutualAmica Mutual Insurance
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonLiberty MutualAmica Mutual Insurance
Financial Strength ExcellentSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
User Satisfaction

A+

A+

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Other FeaturesLiberty MutualAmica Mutual Insurance
AboutLiberty Mutual's "Buy Online Now” option may qualify drivers for additional discounts. Liberty Mutual customizes its insurance offerings so drivers only pay for what they need.At Amica Mutual Insurance, you'll be protected with an affordable auto policy that's customized to fit your needs, complete with unbeatable customer service.
Roadside AssistanceLiberty Mutual offers 24-hour Roadside Assistance (covering towing to the nearest qualified repair facility, fuel delivery, jump starts, and unlocking vehicle doors) with the purchase of optional Towing & Labor coverage.Amica's roadside assistance program is available 24 hours a day to help with jump-starting a dead battery, changing a flat tire, delivering fuel if you run out of gas, and a towing up to 15 miles to the nearest repair facility.
Additional DiscountsLiberty Mutual offers additional discounts such as Newly Independent, New Teen and Good Payer discounts. In addition, Liberty Mutual offers benefits like Accident Forgiveness. Liberty Mutual also allows drivers to lock in their rate for a full year.Amica offers additional discounts for "loyalty", a "tenure" discount for the length of time you were with your prior company, and a legacy discount to drivers under 30 who were covered by Amica on a family member's policy.
Recent QuestionsWhy did my rate increase for a $25 towing claim?
Unfortunately, you were given the correct information. Insurance companies base their rates on the risk of having to pay any claim.
Can I get a refund for premiums I was forced to pay after accident?
Unfortunately, I do not have any experience with this matter. It does seem like a major oversight on part of Liberty Mutual.
What's the difference between a vanishing deductible and accident forgiveness
Simply put: Accident Forgiveness with Liberty Mutual: If you're accident-free for five years (with any company), the company will forgive your first accident and not raise your rates. Furthermore, this policy can apply to all members of the household, including teenagers.
Insurer refuses to give me my money back
I would try calling back again. It could be that the agent you spoke with was misinformed.
See More Questions
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