Mercury vs Amica: Which is Better for You?
Compare rates from the top car insurance companies in your area.
Mercury or Amica Mutual Insurance: Which company is best for you?
Deciding on a car insurance company is complex: rates can vary based on your driving history, age, and location, and companies offer an array of perks. Mercury and Amica are two of the top insurers, selling affordable policies across most of America.
To help simplify the comparison process, we have gathered typical costs from Amica and Mercury. These take into account a variety of pricing components, including credit, driving behavior, and age. Take a look at these rates and find an affordable policy today.
Want to learn more? Consult our comprehensive reviews of Mercury and Amica.
Mercury vs. Amica: by credit level
If you have very poor credit, Mercury could be a better option for you. Typically, Mercury offers lower prices than Amica for prospective clients with credit scores of lower than 580. Drivers with excellent credit — a score of 800-plus — should lean toward View common insurance rates by credit level for Amica and Mercury below.
INSURER RATES BY CREDIT SCORE: AMICA VS. MERCURY
|Credit score||Mercury avg. annual premium||Amica avg. annual premium|
|Very Poor (300-579)||$1,115||$2,010|
|Very Good (740-799)||$1,115||$1,174|
Mercury vs. Amica: by citation
If you are saddled with an at-fault accident, speeding ticket, reckless driving citation, or DUI in your recent history, Amica could be a better choice than Mercury. Every car insurance company prices its policies differently, so always do your due diligence and compare quotes to understand which insurer suits you.
INSURER RATES BY VIOLATION: AMICA VS. MERCURY
|Violation||Mercury avg. annual premium||Amica avg. annual premium|
|At-fault accident (damage < $1,000)||$1,822||$1,646|
|At-fault accident (damage > $1,000)||$1,125||$1,152|
Mercury vs. Amica: by age
Insurance companies rely on a driver's age to outline potential risk, assigning rates on a sliding scale. Insurance is usually more expensive for teen drivers — thanks to their inexperience — and more affordable for middle-aged drivers. Since every insurance company prices age tiers differently, it's smart to shop around and find the perfect policy for you.
As a general rule, teen drivers should choose Mercury over Amica: MERCURY offers average yearly savings of $1,949 versusAmica.
INSURER RATES BY AGE: AMICA VS. MERCURY
|Age||Mercury avg. annual premium||Amica avg. annual premium|
Affordability aside, Mercury and Amica each carry pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Dive into the data before making your decision.
|Discount Comparison||Mercury||Amica Mutual Insurance|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Mercury||Amica Mutual Insurance|
|JD Power Rankings||N/A||Excellent|
|Other Products||Mercury||Amica Mutual Insurance|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Mercury||Amica Mutual Insurance|
|About||Rated A+ by AM Best, Mercury Insurance has been saving customers money on home and auto insurance since 1962.||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||Mercury offers roadside assistance as an optional addition to your policy which provides coverage 24/7 for things like reimbursement for locking keys in your car, a flat tire change, and even a tow up to the limit on your policy.||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||Mercury insurance offers additional accommodations to military service members like accepting out of state licenses, physical damage only coverage, and more!||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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