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.
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.
| Credit score | Liberty Mutual avg. annual premium | Amica 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 |
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.
| Violation | Liberty Mutual avg. annual premium | Amica 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 |
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..
| Age bracket | Liberty Mutual avg. annual premium | Amica 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 Comparison | Liberty Mutual | Amica 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 Comparison | Liberty Mutual | Amica Mutual Insurance |
|---|---|---|
| Financial Strength | Excellent | Superior |
| JD Power Rankings | ||
| User Satisfaction | A+ | A+ |
| Other Products | Liberty Mutual | Amica Mutual Insurance |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Liberty Mutual | Amica Mutual Insurance |
|---|---|---|
| About | Liberty 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 Assistance | Liberty Mutual offers 24-hour Roadside Assistance — covering towing to the nearest qualified repair facility, fuel delivery, jump starts, and unlocking vehicle doors — with 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 Discounts | Liberty 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 Questions | Why 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 forgivenessSimply 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 backI would try calling back again. It could be that the agent you spoke with was misinformed. See More Questions | Should I drop my 25yo son from insurance? To answer your first question, will removing your son from the policy help decrease your premium, it depends. Some companies are going to charge you because the claim was made on your policy so your rates can still be impacted at renewal, even if you take your son off the policy. Should I get my insurance company involved or pay for the damage myself if I backed into a tree?It will ultimately depend on your deductible and the extent of the damage. Unfortunately, backing into a tree will be considered an "at-fault" accident if you file a claim with your insurance company. See More Questions |
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| Top States | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas |