Liberty Mutual vs Amica: Which is Better for You?
Compare rates from the top car insurance companies in your area.
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: by credit level
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.
INSURER RATES BY CREDIT SCORE: AMICA VS. LIBERTY MUTUAL
| 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 |
Liberty Mutual vs. Amica: by citation
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.
INSURER RATES BY VIOLATION: AMICA VS. LIBERTY MUTUAL
| 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 |
Liberty Mutual vs. Amica: 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..
INSURER RATES BY AGE: AMICA VS. LIBERTY MUTUAL
| 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 |
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| Good Student |
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| Student Away at School |
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| Driver Training |
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| Green Vehicles |
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| Ratings Comparison | Liberty Mutual | Amica Mutual Insurance |
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| Financial Strength | Good | Superior |
| JD Power Rankings | Average | Excellent |
| User Satisfaction | 4.2/5 | 4.2/5 |
| Other Products | Liberty Mutual | Amica Mutual Insurance |
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| Other Features | Liberty Mutual | Amica Mutual Insurance |
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| 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. |
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